Swiggy HDFC Bank Credit Card

  • Joining Fee: ₹500 + GST
  • Renewal Fee: ₹500 + GST
  • Best Suited For: Dining | Food
  • Reward Type: Reward Points
  • Welcome Benefites: Complimentary 3-Month Swiggy One Membership
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HDFC Bank is the top card issuer in India with a diverse portfolio of credit cards ranging from super-premium, travel, fuel, shopping, and more. To offer the best benefits and privileges to customers, HDFC also has a great range of co-branded credit cards and has come out with the exclusive Swiggy HDFC Bank credit card. This is the first time Swiggy has partnered with a bank on a credit card, and you can get the card for a joining fee of ₹500 plus taxes. If you are a loyal Swiggy customer and regularly order food online, then this is a great card for you through which you can save up to ₹42,000 annually. You would get 10% cashback on all Swigyy spends including Dineout and Instamart. As a welcome benefit, you also get a complimentary 3-month Swiggy One membership.

New Features

Spend Based Waiver

Renewal fee waiver on spending Rs. 2 Lakhs in the year


Interest Rates

3.6% per month or 43.2% per annum


Add-on Card Fee

Rewards Redemption Fee

Nil


Fuel Surcharge

N/A

Foreign Currency Markup

3.5% of the total amount


Cash Advance Charges

2.5% of the amount or Rs. 500, whichever is higher

Movie & Dining

10% Cashback on Swiggy app including food orders, Instamart, Dineout, and more


Travel

Upto 5% cashback on merchants like Uber and Ola


International Lounge Access

N/A

Rewards Rate

10% Cashback across Swiggy app, 5% Cashback on online spends, 1% Cashback on other categories


Golf

12 Free Golf Lessons, 4 Free Rounds of Green Fees, and 50% Off on Golf Services


Insurance Benefits

N/A

Reward Redemption

Cashback Against Credit Card Statement


Domestic Lounge Access

N/A


Zero Liability Protection

Pros

Get 10% cashback on all your Swiggy food delivery orders, including Genie and Instamart. Up to ₹1,500 cashback per month across major online shopping platforms. For food enthusiasts, a complimentary Swiggy One membership for three months is extremely beneficial.

Cons

Although this card offers great benefits on food, it could have included additional perks such as free airport lounge access.

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