HDFC Bank
HDFC Bank Swiggy Credit Card
4.3 / 5mastercard
- Joining fee
- ₹500
- Annual fee
- ₹500
- Base reward
- 1%
- Min income
- ₹15,000/mo
- Forex markup
- 3.5%
- Interest p.a.
- 45%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Dining | 10% | ₹1,500 |
| Online shopping | 5% | ₹1,500 |
| Everything else | 1% | ₹500 |
Benefits
- ▸10% cashback on Swiggy app spends (Food, Instamart, Dineout, Genie), capped ₹1,500/mo
- ▸5% cashback on online spends, capped ₹1,500/mo
- ▸1% cashback on all other spends, capped ₹500/mo
- ▸Complimentary 3-month Swiggy One membership on activation
- ▸5% cashback on Cleartrip + 6% instant flight discount (from Apr 2026)
The good
- + Excellent 10% cashback on Swiggy (food, Instamart, Dineout)
- + 5% cashback on broad online spends
- + Low ₹500 fee with easy ₹2 lakh spend waiver
- + Complimentary Swiggy One membership
The catch
- − Monthly cashback caps (₹1,500 Swiggy/online, ₹500 other)
- − 10% Swiggy cashback now needs ₹249+ per transaction (from Apr 2026)
- − No lounge access
- − No fuel surcharge waiver; 3.5% forex markup