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HDFC Bank

HDFC Bank Swiggy Credit Card

Name: HDFC Bank Swiggy Credit Card
Brand: HDFC Bank

Legacy Swiggy card is being phased out in favour of Ornge / BLCK. Use this record only to understand the legacy offer; check the replacement and fee actually offered to you.

4.3Best for dining out

Verifying

Joining fee incl. GST: ₹590
Renewal fee incl. GST: ₹590
Conditional welcome value: —
Forex markup: 3.5%
Interest p.a.: 45%
Min income (salaried): ₹15,000/mo

Welcome benefits depend on the actual offer and qualifying conditions; points and vouchers are not an automatic cash refund. Activate and claim the three-month Swiggy One offer within 30 days; existing membership/account terms apply.

How this card earns

Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.

Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.

What still needs confirmation

Legacy and successor Swiggy products coexist in issuer material. Minimum order, online MCC eligibility and account migration dates must be checked for the holder.

Spend category	Reward rate	Reward limit
Dining Only the qualifying merchants or payment route below 10% cashback on Swiggy app (Food, Instamart, Dineout, Genie). From 17 Apr 2026 each qualifying txn must be ₹249+. Capped at ₹1,500/month. Monthly cap shown as the spend at which it binds: ₹1,500 cashback per month ÷ 10% = ₹15,000 of Swiggy spend.	10%	₹15,000 spend / month
Online shopping Only the qualifying merchants or payment route below 5% cashback on online spends across categories. Capped at ₹1,500/month. Monthly cap shown as the spend at which it binds: ₹1,500 cashback per month ÷ 5% = ₹30,000 of online spend.	5%	₹30,000 spend / month
Other eligible purchases 1% cashback on all other (offline) spends. Capped at ₹500/month. Monthly cap shown as the spend at which it binds: ₹500 cashback per month ÷ 1% = ₹50,000 of offline spend.	1%	₹500 shared reward / month

Excluded from ordinary earning: Fuel, Rent, Utilities & bills, Insurance, Education. Specific qualifying offers, if any, are listed above.

Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.

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 other eligible purchases, 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
−Being phased out — holders are migrated to Swiggy Ornge (5% on Swiggy, down from 10%) unless they actively choose Swiggy BLCK at Rs 1,000 a year

Eligibility

Age 21–60
Salaried income ₹15,000/mo (≈₹1,80,000/yr)
Self-employed ₹6,00,000/yr (≈₹50,000/mo)

Salaried: min monthly income ₹15,000 (age 21–60). Self-employed: ITR ₹6 lakh+ per annum (age 21–65). Indian citizen.

Check HDFC Bank's current criteria and the source notes. Meeting a published minimum is not approval — the issuer decides every application on its own criteria, including your credit history. How we source this