Swiggy HDFC Bank Credit Card
HDFC Bank
Swiggy HDFC Bank Credit Card
HDFC Bank
Annual Fee
₹500
Effective Rate
1.00%
Network
MASTERCARD
Point Value
₹1.00/pt
About Swiggy HDFC Bank Credit Card
10% cashback on Swiggy (food/Instamart/Dineout/Genie); 5% select online; 1% other. 3mo Swiggy One welcome. Mastercard golf. 1% fuel waiver. (Being replaced by Ornge/BLCK variants.)
Best For
Pros & Cons
thumb_upPros
- check_circleSwiggy Cashback
- check_circleSwiggy Instamart Cashback
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹500 with no waiver option
- cancelForeign transaction fee applies on overseas spends
Reward Earning Structure
Each point is worth ₹1.00 — an effective return of 1.00% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 10% | 1000 pts≈ ₹1,000 |
| All other spends | 5% | 500 pts≈ ₹500 |
| All other spends | 1% | 100 pts≈ ₹100 |
Cashback is credited directly to your statement, reducing your outstanding balance. No redemption required.
Card Benefits
Swiggy Cashback
10% cashback on Swiggy food orders
~₹6,000/yr value
Swiggy Instamart Cashback
Cashback on Swiggy Instamart grocery orders
~₹3,000/yr value
Fuel Surcharge Waiver
1% fuel surcharge waiver at all petrol pumps
~₹2,000/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹2,00,000 (ANNUAL)
Annual Fee Waiver – ₹2L Spend: Annual fee of ₹500 waived on achieving annual spends of ₹2,00,000 in the card anniversary year. Cash-on-Call, Balance Transfer and Cash Withdrawals excluded.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the HDFC Bank website.
| Annual Fee | ₹500 |
| Forex Markup | As per issuer schedule |
| Min. Income Required | ₹1,80,000 per year |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: ₹1,80,000
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Swiggy HDFC Bank Credit Card.
Ready to apply for Swiggy HDFC Bank Credit Card?
Apply directly on the HDFC Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.