Synopsis: The HDFC Swiggy Credit Card is a cashback card that offers discounts to many Swiggy users and online shoppers. Read on to learn more about all the benefits and fees that come along with this HDFC co-branded credit card.
If you happen to order food or dine out the HDFC Swiggy Credit Card stands out as the most useful asset. This card comes with tons of complementary benefits and perks such as discounts on food orders or groceries run via instamart. The minimal joining fees and other lowered charges make it a very competitive offering in the current market of co-branded credit cards. In this card review we will break down all the key details that make this card different from the rest.
Swiggy HDFC Bank Credit Card
- Joining Fee: ₹500 + taxes
- Annual Fee: ₹500 + taxes
- Fee Waiver: Waived on annual spends of ₹2 Lakhs or more
- Card Type: Cashback & Co-branded
- Best Suited For: Swiggy users and online shoppers.
Fees & Charges
| Charge Type | Details |
| Interest Rate (APR) | 3.75% per month (45% per annum) |
| Late Payment Fee | ₹100 to ₹1,300 (depending on the outstanding amount) |
| Cash Withdrawal Fee | 2.5% of amount or ₹500 (whichever is higher) |
| Foreign Currency Markup | 3.50% |
Benefits
- 3 months complimentary swiggy One Membership upon card activation in the initial 30 days
- 10% cashback on Swiggy food orders, Instamart groceries or Dineout
- 50 ( Up to ) days of interest-free Credit from the date of purchase
- 12 free golf lessons and access to golf courses per year
- 5% cashback on online spends across multiple platforms
Note: There is no cashback offer on transaction of Fuel, Rent, Utilities, Insurance, EMI, Jewellery, Government spends, or Wallet loads.
Also Read: HDFC Diners Club Black Review: Is This the Best Travel Credit Card in India? (2026)
Redemption Process
- How is cashback credited? It is automatically adjusted against your statement balance in the next billing cycle.
- Reward value: ₹1 Cashback = ₹1 Statement Credit.
Who Should Get This Card?
The thorough card review has resulted in suggesting this card to those who want to add extra comfort in their dining and shopping experience. You should definitely get this card if you:
- If your monthly food and grocery bill on Swiggy exceeds a significant number.
- The 5% cashback on major e-commerce sites makes it a wise choice for online shoppers.
- If you seek a simple reward structure because there is no need to browse catalogs; the money just reduces your bill.
Conclusion
The HDFC Swiggy Credit Card stood out in most card reviews for its cashback structure upon ordering from swiggy. The offer combines instamart, genie, and dine out too. The constant busy life in this generation has led many to order food online frequently, thus in such a situation owning a card that would provide even a percentage off feels like a pleasant asset.
FAQs
A. Yes. You can earn a maximum of ₹1,500 at the 10% rate and ₹1,500 at the 5% rate per month.
A. No, this card does not provide a fuel surcharge waiver.
A. HDFC occasionally runs First Year Free or even LTF offers for existing HDFC customers or regular Swiggy users. Check the Swiggy app or bank website for offers.
Written by Kenbi Riba
