HDFC Bank · Card guide

Swiggy HDFC Bank Credit Card

10% inside Swiggy app. The best spend depends on your category, monthly cap and whether the yearly fee is waived.

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Where it pays

10% cashback on eligible Swiggy app food, Instamart, Dineout and Genie spends, up to ₹1,500 per billing cycle. Selected eligible online categories earn 5%, separately capped at ₹1,500 per billing cycle. Other eligible spend earns 1%, capped at ₹500 per billing cycle. Swiggy Money, liquor, Minis, fuel, rent, EMI, wallet, jewellery and government spends excluded. ₹500 joining and renewal fee plus taxes; renewal waived at ₹2 lakh qualifying annual spend.

Annual cost: ₹500 plus applicable tax. Renewal waiver after ₹200,000 annual spend; first-year joining fee may still apply.

Read the issuer terms

Checked 26 Sep 2026. Issuer terms can change without this site updating immediately. The source addresses below are shown as text, not outbound links; no unaffiliated redirects are used.

Reward terms: https://www.hdfcbank.com/personal/pay/cards/credit-cards/swiggy-hdfc-bank-credit-card
Fees: https://www.hdfcbank.com/personal/pay/cards/credit-cards/swiggy-hdfc-bank-credit-card

What this estimate leaves out

GST on card fees, welcome bonuses, milestone vouchers, limited-time merchant offers, spend-based exceptions, interest, and changing merchant category codes. Never spend extra solely for rewards.

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