Credit Cards · Honest Review

Swiggy HDFC Bank Credit Card

HDFC Bank · Visa

₹500Annual fee
1.00%Base rate
3.5%Forex markup
₹15KMin income/mo
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Your Verdict

Swiggy HDFC Bank Credit Card
HDFC Bank · Visa
  • ✓10% cashback on Swiggy app (food delivery, Instamart, Dineout, Genie), capped 1,500/cycle
  • ✓5% cashback on apparel, electronics, personal care and other online categories
  • ✓1% cashback on other eligible spends
  • ✓Free Swiggy One membership for 3 months
  • ✓Low entry barrier with 500 joining fee
₹500/yrAnnual fee
₹500
Annual fee
1.00%
Base reward rate
None
Lounge access
700+
CIBIL score
Our verdict
The Swiggy HDFC Bank Credit Card suits frequent Swiggy users who want straightforward 10% cashback on food delivery, Instamart, and Dineout with a low income threshold. The capped cashback limits per cycle mean heavy spenders will plateau quickly, but for everyday ordering habits it pays for its own fee easily.
Fees & charges

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 2 lakh or more in a year.

FeeAmount
Annual fee (year 2+)₹500
Joining fee (one-time)₹500
Fee waiver conditionSpend 2 lakh or more in a year
Spend required for waiver₹2,00,000 / year
Foreign transaction fee (forex markup)3.5% per transaction
Rewards & cashback

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.

CategoryReward rate
All other spends (base rate)1.00%
🍽️ Dining & Food10% (cap ₹1,500/mo)
🛒 Online Shopping5% (cap ₹1,500/mo)
10%
Dining & Food
Cap ₹1,500/mo
5%
Online Shopping
Cap ₹1,500/mo
Welcome bonus

Complimentary Swiggy One membership for 3 months upon card activation

Reward types: Cashback

Benefits & perks

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.

🛫
No lounge access
This card does not include airport lounge access.
⛽
No fuel surcharge waiver
Standard 1% surcharge applies at fuel pumps.
Eligibility

Who can apply for Swiggy HDFC Bank Credit Card

Swiggy HDFC Bank Credit Card requires a minimum net monthly income of ₹15,000 for salaried applicants and a CIBIL score of 700 or above. It is open to salaried employees and self-employed professionals.

₹15,000
Min monthly income
700+
CIBIL score
21–60
Age (years)
RequirementDetail
Minimum monthly income₹15,000
CIBIL score700+ (good to excellent)
Age range21–60 years
Employment typeSalaried, Self-employed
Typical approval time5-7 working days

Salaried minimum monthly income 15,000; self-employed need ITR of 6 lakh or more per annum. Max age 65 for self-employed.

Verdict

Who should (and shouldn't) get Swiggy HDFC Bank Credit Card

✅ Best for
  • → 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
⚠️ Not ideal for
  • → Frequent flyers who need airport lounge access
  • → International travelers — the 3.5% forex markup adds up quickly
Frequently asked questions

Swiggy HDFC Bank Credit Card — Questions answered

What is the annual fee for Swiggy HDFC Bank Credit Card?
The annual fee is ₹500 from year 2 onwards, with a one-time joining fee of ₹500. The fee is waivable: Spend 2 lakh or more in a year.
What is the minimum income required for Swiggy HDFC Bank Credit Card?
Salaried applicants need a minimum net monthly income of ₹15,000 and a CIBIL score of at least 700. Self-employed applicants typically need equivalent annual income proof. Salaried minimum monthly income 15,000; self-employed need ITR of 6 lakh or more per annum. Max age 65 for self-employed.
What is the reward rate on Swiggy HDFC Bank Credit Card for dining & food?
Swiggy HDFC Bank Credit Card earns 10% on dining & food, capped at ₹1,500 per statement cycle. On all other spends, the base reward rate is 1.00%.
Does Swiggy HDFC Bank Credit Card provide airport lounge access?
Swiggy HDFC Bank Credit Card does not include airport lounge access as a standard benefit. If lounge access is a priority, consider upgrading to a premium variant or a dedicated travel card.
How do I get the annual fee waived on Swiggy HDFC Bank Credit Card?
The annual fee on Swiggy HDFC Bank Credit Card is automatically waived when you meet the spend threshold: Spend 2 lakh or more in a year. You do not need to call the bank — the waiver is applied to the next billing cycle once the condition is met.
How long does it take to get Swiggy HDFC Bank Credit Card approved?
Most applications for Swiggy HDFC Bank Credit Card are processed within 5-7 working days. Pre-approved customers may receive instant digital approval. Physical card delivery typically takes 3–5 business days after approval.
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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.