Credit Cards · Honest Review
Swiggy HDFC Bank Credit Card
HDFC Bank · Visa
Your Verdict
- ✓10% cashback on all Swiggy orders (food, Instamart, Dineout, Genie) — capped ₹1,500/month
- ✓5% cashback on selected online categories (apparel, electronics, entertainment) — capped ₹1,500/month
- ✓1% cashback on all other spends
- ✓Complimentary Swiggy One membership (3 months on activation)
- ✓Annual fee waived at ₹2L annual spend
What Swiggy HDFC Bank Credit Card costs you
Swiggy HDFC Bank Credit Card carries a ₹500 annual fee and a ₹500 one-time joining fee. The annual fee is waivable: Spend ₹2L/year.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹500 |
| Joining fee (one-time) | ₹500 |
| Fee waiver condition | Spend ₹2L/year |
| Spend required for waiver | ₹2,00,000 / year |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
Swiggy HDFC Bank Credit Card earns 1.00% on all eligible spends as a base reward rate, with accelerated rates on dining & food, online shopping and other bonus categories listed below.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 1.00% |
| 🍽️ Dining & Food | 10% (cap ₹1,500/mo) |
| 🛒 Online Shopping | 5% (cap ₹1,500/mo) |
Complimentary Swiggy One membership for 3 months
Reward types: Cashback
Beyond the reward rate
The non-reward benefits on Swiggy HDFC Bank Credit Card are limited — the card's value proposition is primarily the reward rate structure.
Who can apply for Swiggy HDFC Bank Credit Card
Swiggy HDFC Bank Credit Card requires a minimum net monthly income of ₹25,000 for salaried applicants and a CIBIL score of 720 or above. It is open to salaried and self-employed applicants.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹25,000 |
| CIBIL score | 720+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried & self-employed |
| Typical approval time | 7–10 working days |
Who should (and shouldn't) get Swiggy HDFC Bank Credit Card
- → Heavy spenders on dining & food who want 10% back
- → Heavy spenders on online shopping who want 5% back
- → Moderate spenders who can clear the fee waiver condition
- → Frequent flyers who need airport lounge access
Swiggy HDFC Bank Credit Card — Questions answered
What is the annual fee for Swiggy HDFC Bank Credit Card?
What is the minimum income required for Swiggy HDFC Bank Credit Card?
What is the reward rate on Swiggy HDFC Bank Credit Card for dining & food?
Does Swiggy HDFC Bank Credit Card provide airport lounge access?
How do I get the annual fee waived on Swiggy HDFC Bank Credit Card?
How long does it take to get Swiggy HDFC Bank Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.