Explore Benefits of HDFC BankSwiggyCredit Card

HDFC Bank

Explore Swiggy Credit Card

Basic Information

Welcome Benefits ₹500 Swiggy Money on successful card activation and eligible transaction (subject to current offer)

Card Category Mid Premium

Payment Network Visa, Mastercard

Eligibility Minimum Income Required: As per HDFC Bank internal policy (varies)
Employment Type: Salaried & Self-employed
Age: 21–60 Years (Salaried), 21–65 Years (Self-employed)

Credit Limit Credit limit decided by HDFC Bank based on applicant profile

Rewards Program

Reward Points Not Applicable

Cashback 10% Cashback: Swiggy (Food, Instamart, Dineout)
5% Cashback: Amazon, Flipkart, Myntra, Ajio, Nykaa, BookMyShow, Uber, Ola, PVR, Airbnb, Cleartrip, MakeMyTrip, Yatra, etc. (Eligible MCC)
1% Cashback: All other eligible spends
Monthly Cashback Cap: ₹1,500 (10%), ₹1,500 (5%), ₹500 (1%)

Redemption Cashback automatically credited to card statement

Travel Benefits

Travel Offers HDFC Bank seasonal travel offers may apply

Forex Benefits International merchant offers through Visa/Mastercard

Shopping Benefits

Online Shopping 5% Cashback on eligible online merchants including Amazon, Flipkart, Myntra, Ajio, Nykaa, BookMyShow, Uber, Ola, etc.

Offline Shopping 1% Cashback on eligible retail spends

Brand Offers HDFC SmartBuy & partner merchant offers

EMI Offers Merchant EMI & No Cost EMI available at participating merchants

Fuel Benefits

Fuel Savings 1% Fuel Surcharge Waiver (Applicable fuel stations, transaction limits apply)

Dining & Entertainment

Dining Swiggy Dineout cashback included under Swiggy benefits

Movies BookMyShow eligible for 5% cashback

Entertainment Entertainment merchants eligible under 5% cashback category

Daily Spending Benefits

Utility Bills 1% Cashback

Grocery Swiggy Instamart: 10% Cashback

Insurance Payments 1% Cashback (eligible spends)

Insurance & Protection

Card Security Zero Liability Protection (as per RBI & HDFC policy), Fraud Protection, Lost Card Reporting

Digital Features

Mobile Wallet Google Pay, Samsung Wallet and supported digital wallets

Banking Features HDFC MyCards, NetBanking, Mobile Banking, Instant Card Control

Add-on Features

Family Benefits Add-on card available

EMI Features Smart EMI, Post Purchase EMI Conversion

Fees & Charges

Joining Charges ₹500 + GST

Annual Charges Annual Fee: ₹500 + GST
Waiver: Annual spend of ₹2,00,000

Finance Charges Interest: Up to 3.75% per month (45% p.a.)
Late Payment Fee: As per HDFC Bank credit card fee schedule

Cash Advance Charges Cash Withdrawal Fee: 2.5% (Minimum ₹500)
Cash withdrawal limit depends on sanctioned credit limit

EMI Charges EMI available on eligible transactions
Processing fee as applicable
Interest as per EMI plan

Forex Charges Forex Markup Fee: 3.5% + GST

Other Charges Card Replacement Fee: As per bank schedule
Overlimit Fee: Applicable
Reward Redemption Fee: Not Applicable (Cashback Card)

Customer Support

Service 24×7 Customer Care

Performance & Ratings

Overall Performance ⭐ 4.6/5

Best Usage Best for Cashback, Swiggy Users, Online Shopping

Advantages 10% cashback on Swiggy, 5% cashback on major online brands, low annual fee, automatic cashback credit, fuel surcharge waiver, EMI facility

Limitations Cashback caps, no lounge access, no travel insurance, no reward points, high forex markup, limited offline benefits

Instant Check Eligibility | Swiggy Credit Card

Instant Check Eligibility

Frequently Asked Questions About Swiggy Credit Card

What are the main benefits of the HDFC Bank Swiggy Credit Card?

The HDFC Bank Swiggy Credit Card is designed for customers who frequently order food, shop online and use digital services. Eligible cardholders can enjoy cashback on Swiggy food orders, Instamart, Dineout and selected online shopping categories. The card also offers cashback on other eligible purchases, making it useful for everyday spending. Cashback rates and limits are subject to the applicable card variant and terms and conditions.

How can I apply for an HDFC Swiggy Credit Card online?

You can apply for an HDFC Swiggy Credit Card online through the available application channel. Visit the application page, enter your basic details, verify your mobile number and PAN, and complete the required application steps. HDFC Bank may request additional documents or Video KYC before processing your application. Final approval depends on the bank's eligibility checks and credit assessment.

What is the minimum salary required for an HDFC Bank Swiggy Credit Card?

For the standard Swiggy HDFC Bank Credit Card, the published eligibility criteria specify a minimum monthly income of ₹15,000 for salaried applicants. Self-employed applicants should have an annual ITR exceeding ₹6 lakh. Meeting the income requirement does not guarantee approval, as HDFC Bank also considers credit history, repayment capacity and other eligibility factors.

How much cashback can I earn with the Swiggy HDFC Bank Credit Card?

Eligible cardholders of the standard Swiggy HDFC Bank Credit Card can earn 10% cashback on eligible Swiggy app transactions, 5% on selected online shopping categories and 1% on other eligible purchases. The respective cashback limits are ₹1,500, ₹1,500 and ₹500 per billing cycle. Minimum transaction values, merchant categories and exclusions apply as per the latest bank terms and conditions.

What is the joining fee and annual renewal fee for the HDFC Swiggy Credit Card?

The standard Swiggy HDFC Bank Credit Card carries a joining fee of ₹500 plus applicable taxes. The annual renewal fee is also ₹500 plus applicable taxes. However, cardholders can get the renewal fee waived by spending ₹2 lakh or more during the relevant year before the renewal date, subject to the bank's terms and conditions.

Is the HDFC Swiggy Credit Card suitable for online shopping and food delivery?

Yes, the HDFC Swiggy Credit Card can be a useful option for customers who regularly order food through Swiggy and shop at eligible online merchants. Its cashback structure rewards eligible Swiggy transactions and selected online purchases. Customers should compare their monthly spending habits with the cashback limits to understand the actual savings they may receive.

What credit score is required to get an HDFC Bank Swiggy Credit Card?

HDFC Bank does not guarantee credit card approval based on a single fixed credit score. A good credit history, timely repayment of existing loans and credit card bills, and a healthy credit utilisation ratio can improve your application profile. The bank evaluates each application independently based on its internal credit policies and eligibility requirements.

Can I get an HDFC Swiggy Credit Card without an existing HDFC Bank savings account?

Having an existing HDFC Bank savings account is not necessarily a mandatory condition for applying for a credit card. Eligible new customers can also submit an application through the available application channels. However, the bank may require identity verification, income details and other documents before making its final decision.

How is cashback credited to the Swiggy HDFC Bank Credit Card account?

Eligible cashback earned through the standard Swiggy HDFC Bank Credit Card is generally adjusted against the cardholder's credit card statement as a statement credit. Cashback is calculated according to eligible transactions, billing cycle rules, applicable minimum transaction amounts and category-wise limits. Returns, refunds and excluded transactions may affect the final cashback amount.

What documents are required to apply for an HDFC Bank Swiggy Credit Card?

Applicants may need to provide identity proof, address proof and income-related documents. Commonly accepted documents include PAN Card, Aadhaar Card, Passport, Voter ID, Driving Licence, salary slips, Form 16, bank statements or Income Tax Returns, depending on the applicant's employment type. HDFC Bank may request additional documents during verification.

Does the HDFC Swiggy Credit Card offer a complimentary Swiggy One membership?

Yes, the standard Swiggy HDFC Bank Credit Card offers a complimentary Swiggy One membership for three months as a welcome benefit, subject to successful card activation and applicable conditions. Eligible cardholders may need to claim the membership through the Swiggy app after activation. Existing Swiggy One memberships may also be extended according to the applicable membership terms and conditions.