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HDFC Bank
HDFC Bank Swiggy Credit Card
4.3Best for dining out
- Joining fee
- ₹500
- Annual fee
- ₹500
- Welcome bonus
- —
- Forex markup
- 3.5%
- Interest p.a.
- 45%
- Min income
- ₹15,000/mo
How this card earns
Reward rates by category, with caps and an estimated yearly value.
| Spend category | Reward rate | Monthly cap | Est. value/yr |
|---|---|---|---|
Dining 10% cashback on Swiggy app (Food, Instamart, Dineout, Genie). From 17 Apr 2026 each qualifying txn must be ₹249+. Capped at ₹1,500/month. | 10% | ₹1,500 | ₹1,800 |
Online shopping 5% cashback on online spends across categories. Capped at ₹1,500/month. | 5% | ₹1,500 | ₹900 |
Everything else 1% cashback on all other (offline) spends. Capped at ₹500/month. | 1% | ₹500 | ₹60 |
| All other spends | 1% | — | ₹1,200 |
Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.
Fees & charges
Joining fee₹500
Annual fee₹500
Annual fee waiverRenewal fee waived on annual spends of ₹2,00,000 or more
Foreign currency markup3.5%
Finance charge (p.a.)45%
Key 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)
What we like
- +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
What to watch
- −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
Compare with similar cards
- Top reward
- 33%
- Annual fee
- ₹12,500
- Welcome bonus
- ₹12,500 value
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- Top reward
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- Annual fee
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- Annual fee
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- Welcome bonus
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