The Swiggy HDFC Bank Credit Card is designed for dining and everyday cashback benefits. Cardholders get 10% cashback on Swiggy orders and 5% cashback on all other everyday spends. Additionally, it offers complimentary golf rounds and lessons, combining lifestyle perks with financial rewards. The card has a first-year fee of Rs. 500 plus taxes.
The Swiggy HDFC Bank Credit Card is tailored for frequent users of Swiggy, offering 10% cashback across its platforms, including food delivery, Instamart, Dine Out, and Genie. Additionally, it provides 5% cashback on other online transactions and 1% on offline and miscellaneous spends, making it a versatile rewards card for everyday use.
With a modest annual fee of Rs. 500, the card delivers strong value for those who regularly transact on Swiggy. Monthly users of Instamart or food delivery can quickly offset the fee while earning meaningful cashback. For example, spending Rs. 15,000 per month on Swiggy platforms could yield an annual cashback of Rs. 18,000, credited directly to the card statement.
Even for users who don’t use Swiggy frequently, the card’s 5% online and 1% offline cashback ensures it remains competitive among general cashback cards, rivaling options like SBI Cashback and Axis Ace.
Cashback Benefits
Earn 10% cashback (up to Rs. 1,500 per month) on Swiggy app transactions, including food delivery, Instamart, Dineout, and Genie.
Get 5% cashback (capped at Rs. 1,500 monthly) on eligible online purchases across multiple categories. Check the full list of categories and MCC codes for details.
Receive 1% cashback (up to Rs. 500 per month) on all other purchases, including offline transactions.
Discount Offers
Enjoy a 6% discount on domestic and international flight bookings, as well as intercity bus tickets, when booked through Paytm Travel.
Welcome Benefit
Get three months of Swiggy One access at no extra cost when you activate your card.
Annual Fee Waiver
The yearly fee is reversed if your total eligible spending reaches Rs. 2 lakh before the renewal date.
Note: Transactions like Cash on Call, ATM withdrawals, and balance transfers do not count toward the waiver.
Golf Privileges (Mastercard Variant)
Enjoy 4 complimentary green-fee rounds and 12 free coaching sessions at select golf courses.
After using the free sessions, you can continue to play with 50% reduced green fees.
Protection on Lost Card
In case your card is misplaced or stolen, you get zero liability protection on unauthorized usage once the loss is promptly reported.
You can notify the HDFC Bank 24×7 helpline to enable this safeguard.
| Fee Type | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 500 + Taxes | ||||||||||||||||||
| Annual Fee | Rs. 500 + Taxes | ||||||||||||||||||
| Finance Charges | 3.75% p.m. | 45% p.a. | ||||||||||||||||||
| Late Payment Charges |
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Considering the strong cashback value offered by the Swiggy HDFC Credit Card, it’s helpful to see how it stacks up against other popular co-branded cards such as the Amazon Pay ICICI Credit Card and the Flipkart Axis Bank Credit Card. Below is a clear comparison of some of the major features offered by these cards.
| Parameters | HDFC Swiggy | ICICI Amazon Pay | Axis Flipkart |
|---|---|---|---|
| Annual Fee | Rs. 500 | Nil | Rs. 500 |
| Fee Waiver | On Rs. 2 Lakh annual spends | NA | On Rs. 3.5 Lakh annual spends |
| Welcome Benefits | 3 months Swiggy One membership | NA | Save up to Rs. 600 on Flipkart & Swiggy combined |
| Base Cashback Rate | 1% up to Rs. 500 p.m. | 1% | 1% |
| Accelerated Cashback |
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| Other Benefits | Nil | Up to 15% off on dining at partner restaurants |
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| Form of Cashback Redemption | As statement credit | As Amazon Pay balance | As statement credit |
Choose this card if:
You prefer earning straight cashback instead of collecting reward points.
You are looking for an affordable, beginner-friendly credit card.
Your regular routine includes ordering food, groceries, or dining out, letting you benefit from the boosted cashback rates.
You mostly shop online and can take advantage of the enhanced value on digital purchases.
Eligibility Requirements
Age Range: 21 to 60 years
Employment Type: Available to both salaried and self-employed individuals
Minimum Income (Salaried): ₹15,000 per month
Minimum Income (Self-employed): ITR showing over ₹6 lakh annually
If you wish to cancel your Swiggy HDFC Bank Credit Card, it is recommended to follow the official process defined by HDFC Bank to ensure a secure and hassle-free closure.
Contact Customer Care
Initiate Closure Request
Complete Verification
To proceed with the request, you will need to verify your identity by providing:
Confirm the Closure
Important Points
After Card Closure
If you need assistance regarding your Swiggy HDFC Bank Credit Card, you can reach out to the customer support team of HDFC Bank. The bank provides help for billing concerns, payments, card blocking, reward-related queries, and other credit card services.
Customer Care Numbers (India)
These numbers can be used for all types of credit card-related queries across India.
International Support
This number is useful when calling from outside India.
Email Support
You can send your queries or complaints using your registered email ID to receive quicker assistance.
Availability
Services Available
Important Points
No, this card comes with a joining and annual fee of ₹500. You can get the annual fee reversed if your total eligible spending in a year reaches ₹2 lakh. As a starter benefit, you also receive a complimentary 3-month Swiggy One membership when the card is activated.
Yes, the card can be used for shopping across various online platforms. You also earn 5% cashback on select online categories such as fashion, electronics, home-related items, entertainment, and more. The maximum cashback you can earn in this category is ₹1,500 per month.
You can submit your application digitally through the HDFC Bank website by filling out the form and uploading the required documents. If you prefer an offline method, you can visit any HDFC Bank branch and apply directly.
Yes, EMIs can be converted using this credit card. Make sure the merchant or website you are purchasing from supports EMI options on HDFC credit cards before proceeding.
No, this particular card does not include lounge access as part of its benefits.
