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HDFC Bank · Visa · हिन्दी

Swiggy HDFC Bank Credit Card: full review

The Swiggy HDFC card is the best choice for regular Swiggy, Instamart and Dineout users. The 10% direct cashback on all Swiggy spends combined with 5% on Amazon and Flipkart makes the ₹500 fee a non-issue.

Apply now ↗Annual fee: ₹500 + taxes
Last updated: August 2026 · Current terms verified
HDFC BANK
VISA
)))
SWIGGY
ASHOK KUMAR
12/28
₹500 + taxes (waived on ₹2,00,000/year spend)Annual fee
10% cashback on all Swiggy spends (food, Instamart, Dineout); 5% on select online merchants; 1% on othersReward structure
NoneLounge access

Key benefits of the Swiggy HDFC Bank Credit Card

10% cashback on Swiggy (food, Instamart, Genie, Dineout), min ₹249 per txn, capped ₹1,500/month5% cashback on Amazon, Flipkart, Myntra, Nykaa, Ajio, BookMyShow, Cleartrip (capped ₹1,500/month)1% cashback on all other eligible spends (capped ₹1,000/month)Complimentary 3-month Swiggy One membership on joining
Apply now ↗ Min. income: ₹15,000/month (salaried) · Credit score: 700+
Pros and cons
Pros
✓ Best card for Swiggy users, 10% back on food and groceries
✓ 5% on popular online platforms too
✓ Direct statement cashback, no redemption hassle
✓ Low ₹500 fee easily recovered by Swiggy users
Cons
✗ Cashback caps limit savings for heavy spenders
✗ No lounge access
✗ Min ₹249 per Swiggy transaction to earn 10%
✗ No rewards on fuel, wallet loads or rent
Quick facts
Issuer HDFC Bank
Network Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + taxes (waived on ₹2,00,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹500
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹15,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceHDFC Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for Swiggy HDFC Bank Credit Card is ₹500 + taxes (waived on ₹2,00,000/year spend). The joining fee is ₹500.
The main benefits of the Swiggy HDFC Bank Credit Card are: 10% cashback on Swiggy (food, Instamart, Genie, Dineout), min ₹249 per txn, capped ₹1,500/month; 5% cashback on Amazon, Flipkart, Myntra, Nykaa, Ajio, BookMyShow, Cleartrip (capped ₹1,500/month); 1% cashback on all other eligible spends (capped ₹1,000/month); Complimentary 3-month Swiggy One membership on joining.
10% cashback on all Swiggy spends (food, Instamart, Dineout); 5% on select online merchants; 1% on others
Swiggy HDFC Bank Credit Card is best for Frequent Swiggy and Instamart users. The Swiggy HDFC card is the best choice for regular Swiggy, Instamart and Dineout users. The 10% direct cashback on all Swiggy spends combined with 5% on Amazon and Flipkart makes the ₹500 fee a non-issue.
The minimum income requirement for Swiggy HDFC Bank Credit Card is ₹15,000/month (salaried). A minimum credit score of 700+ is also recommended.
Swiggy HDFC Bank Credit Card does not offer airport lounge access.
Swiggy HDFC Bank Credit Card charges a 2.5% foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Credit Cards for Grocery Shopping →Best Credit Cards for Amazon and Flipkart →
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