With a low annual fee of ₹500 + GST and an attractive cashback structure, the card offers strong value for everyday spends. The fee is further offset by a complimentary 3-month Swiggy One membership, making it a compelling option for regular Swiggy users.
Why the Swiggy HDFC Credit Card Stands Out
The key highlight of the Swiggy HDFC Credit Card is its simple and generous cashback program. Cardholders earn 10% cashback on Swiggy spends, including food orders, Instamart, Dineout, and Genie. For frequent users, this alone can translate into significant yearly savings.
In addition to Swiggy spends, the card also offers 5% cashback on popular online platforms and 1% cashback on all other spends. With monthly cashback caps that are practical for most users, the card is well suited for daily usage.
Eligibility Criteria
The eligibility criteria for the Swiggy HDFC Credit Card are straightforward and similar to most entry-level cashback cards.
| Individuals | Years of Age | Income |
|---|---|---|
| Salaried | 21-60 | ₹15,000+ per month |
| Self-Employed | 21-65 | ₹6 Lakhs or more |
Existing HDFC Bank credit cardholders are also eligible to apply .
Fees and Charges
The Swiggy HDFC Credit Card comes with a low annual fee, which is easy to recover through cashback and the welcome benefit.
| Joining Fees | ₹500 + 18%GST (₹90) |
| Welcome Benefit | 3 Month Swiggy One Membership worth ₹1,199 |
| Annual Fees | ₹500 + 18%GST (₹90) |
| Renewal Benefit | Not Applicable |
| Annual Fees Waiver | Waived off for annual card spends over ₹2 lakhs |
For most active users, the annual fee is either fully recovered through cashback or completely waived by meeting the annual spend threshold.
Cashback Structure on Swiggy HDFC Credit Card
The cashback structure is clearly segmented into Swiggy spends, online spends, and all other transactions, each with its own cap.
| Spends Category | Cashback | Maximum Capping | Exclusions |
|---|---|---|---|
| Swiggy Spends (includes Food ordering, Instamart, Dineout and Genie) | 10% |
₹1,500 per month (maximum spends of ₹15,000) |
Swiggy Money Wallet, Swiggy Liquor and Swiggy Minis |
| Online Spends (Flipkart, Amazon, Meesho, Ajio, Ola, Uber, ZoomCar and more) | 5% |
₹1,500 per month (maximum spends of ₹30,000) |
Gift Card and Grocery |
| Other Spends | 1% |
₹500 per month (maximum spends of ₹50,000) |
Fuel, Rent, EMI, Wallet, Jewellery, and Government Related Transactions |
Cashback is now credited directly to the credit card statement instead of Swiggy Money, making redemption simple and flexible.
Mastercard World Tier Benefits
The Swiggy HDFC Credit Card is issued on the Mastercard World platform, unlocking a range of lifestyle and travel benefits.
- 4 complimentary golf rounds per year (1 per month) plus 12 complimentary golf lessons annually
- 50% discount on green fees at select golf courses
- Up to 12% discount on Agoda hotel bookings
- Complimentary stay and dinner for one at select Mastercard partner locations
These benefits can be availed by contacting Mastercard support at 1800-102-6263 or via the official Mastercard website.
Earn IndiGo BluChips on Swiggy Orders
Apart from cashback, the Swiggy HDFC Credit Card also allows you to earn IndiGo BluChips through Swiggy transactions.
For every ₹100 spent on Swiggy platforms such as food delivery, Dineout, and Instamart, you earn 1 IndiGo BluChip. These credit card points can be accumulated and redeemed for travel benefits, including free flight tickets.
As a welcome reward, all cardholders receive a 3-month Swiggy One membership. If you are already a Swiggy One member, the membership period is extended.
Other Charges & Limitations
Before applying, it’s important to be aware of certain limitations:
- No complimentary airport lounge access
- No fuel surcharge waiver
- Foreign currency markup: 3.5% + GST (total 4.13%)
- Finance charges: 3.75% per month (45% annually)
Is the Swiggy HDFC Credit Card Worth It?
The Swiggy HDFC Credit Card is a strong cashback option for users who frequently order food, groceries, or dine out via Swiggy. With up to ₹1,500 monthly cashback on Swiggy spends and additional credit card rewards on online transactions, it delivers solid value for everyday usage.
While it lacks premium perks such as airport lounge access and fuel surcharge waivers, the low annual fee and simple cashback structure make it an excellent choice for Swiggy-first users. The added benefit of earning IndiGo BluChips further enhances its long-term value.
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