🧑💼 Reviewed by Tausif Shaikh | 📅 Updated May 2025
The Swiggy HDFC Bank Credit Card is a co-branded credit card tailored for frequent foodies and digital-savvy consumers. With flat cashback and zero redemption hassles, it’s designed for effortless savings across food delivery, groceries, and everyday online shopping.
📌 Key Highlights at a Glance:
💸 Fees & Charges:
🚫 Cashback Not Applicable On: Fuel, rent payments, insurance, wallet reloads, government transactions, and EMI conversions.
The HDFC Bank Swiggy Credit Card delivers unbeatable value if you regularly order food online or shop from top e-commerce brands. With real cashback (credited directly to your statement), it avoids the complexities of rewards redemption while giving you maximum savings where you spend the most.
🔗 Official Source: HDFC Bank – Swiggy Credit Card
🧠 Editor’s Pick: Personally tested by Tausif Shaikh – Reviewed after 6+ months of real usage | 📆 Updated May 2025
Joining Fee: ₹500 + GST
Annual Fee: ₹500 + GST (Waived on annual spends of ₹2,00,000)
Best Suited For: Foodies, online shoppers, Swiggy enthusiasts
Reward Type: Direct Cashback
Special Feature: 10% cashback on Swiggy spends
★★★★☆
(4.5/5)
⭐ Editorial rating based on cashback structure, Swiggy integration & online shopping benefits.
🗓️ Updated May 2025 | Based on official data from HDFC Bank & verified user experiences.
| Feature | Details |
|---|---|
| Card Name | HDFC Bank Swiggy Credit Card |
| Best For | Food delivery, online shopping, dining, and grocery spends |
| Card Type | Co-branded Cashback Credit Card |
| Network | Mastercard World |
| Joining & Annual Fee | ₹500 + GST; Annual fee waived on spends of ₹2,00,000 or more in the previous year. (Source) |
| Welcome Benefit | Complimentary 3-month Swiggy One membership upon card activation. (Source) |
| Reward Structure |
|
| Reward Redemption | Cashback is automatically adjusted against the statement balance in the next billing cycle. (Source) |
| Reward Validity | Cashback credited as statement credit; no expiration. (Source) |
| Cashback Exclusions | No cashback on fuel, rent, utilities, insurance, EMI, jewelry, government transactions, wallet loads, Swiggy Money Wallet, Swiggy Liquor, and Swiggy Minis. (Source) |
| Additional Benefits |
|
| Eligibility |
|
📌 Note: Always refer to the official HDFC Bank Swiggy Credit Card page for the most updated information on fees, rewards, and benefits.
🧠 Reviewed by Tausif Shaikh | Based on verified product data from HDFC Bank (May 2025)
The HDFC Bank Swiggy Credit Card is a specially designed cashback credit card for online shoppers and frequent Swiggy users. With flat-rate cashback, zero redemption effort, and a complimentary Swiggy One membership, this co-branded credit card blends everyday value with convenience. (View Official Features)
📌 Note: Cashback is automatically credited to the next billing cycle’s statement. No reward tracking or redemption required. (Source)
🔎 Refer to HDFC Bank’s official product page for updated exclusions, cashback rules, and billing timelines.
📌 Note: Cashback slabs, merchant categories, and fee waivers are subject to change. Please confirm current terms on the official HDFC Bank website before applying.
📋 Reviewed by Tausif Shaikh | Verified using HDFC Bank’s official Swiggy Credit Card page (May 2025)
The HDFC Bank Swiggy Credit Card is a co-branded cashback credit card tailored for foodies, online shoppers, and everyday spenders. With a low annual fee, generous cashback, and complimentary Swiggy One membership, it offers exceptional value for regular Swiggy users and digital consumers. (View Official Features)
| Charge Type | Details |
|---|---|
| Joining Fee | ₹500 + GST (₹590) |
| Annual Renewal Fee | ₹500 + GST (₹590); waived on annual spends of ₹2,00,000 or more (excluding cash withdrawals, balance transfers, and Cash on Call) |
| Interest Rate (APR) | 3.6% per month (43.2% p.a.) on revolving balances |
| Cash Advance Charges | 2.5% of the amount withdrawn (Minimum ₹500) |
| Late Payment Fee |
|
| Overlimit Fee | 2.5% of the overlimit amount (Minimum ₹550) |
| Foreign Currency Markup | 3.5% of the transaction amount |
| Fuel Surcharge Waiver | Not applicable |
| Card Replacement Fee | ₹100 + GST |
| Add-on Card Fee | Nil (up to 3 add-on cards) |
| Reward Redemption Fee | Not applicable (cashback is auto-credited to the statement) |
✅ The HDFC Bank Swiggy Credit Card is an excellent choice for individuals who frequently order food online, shop digitally, and seek value-packed benefits with minimal fees. Its straightforward cashback structure and added perks make it a compelling option for everyday use.
🔎 Note: Charges are based on May 2025 data from the official HDFC Bank Swiggy Credit Card page and may be revised. Always confirm fee plans and benefits during application.
📋 Reviewed by Tausif Shaikh | Verified from HDFC Bank & Swiggy official portals (May 2025)
The HDFC Bank Swiggy Credit Card offers substantial cashback rewards, especially tailored for food enthusiasts and online shoppers. Understanding how to effectively redeem these rewards ensures you maximize the card’s benefits.
✅ By understanding and utilizing the cashback redemption process, you can make the most of your HDFC Bank Swiggy Credit Card, enjoying savings on your favorite food deliveries and online purchases.
🔎 Note: Information verified from HDFC Bank and Swiggy (May 2025). Please refer to the official websites for the most current details.
The HDFC Bank Swiggy Credit Card isn’t just a financial tool—it’s a statement piece for the modern digital spender. Designed with vibrant aesthetics and functional features, this co-branded Mastercard World card reflects the dynamic lifestyle of foodies and online shoppers alike.
The HDFC Bank Swiggy Credit Card stands out with its eye-catching design, blending Swiggy’s energetic branding with HDFC Bank’s trusted presence. It’s more than just a credit card—it’s a reflection of a lifestyle centered around convenience, rewards, and modern living.
✅ Whether you’re ordering your favorite meals, shopping online, or exploring new experiences, the HDFC Bank Swiggy Credit Card combines style and functionality to complement your lifestyle.
📌 Note: Card design elements may vary slightly based on issuance or reissuance. For the most current design and features, please refer to the official HDFC Bank Swiggy Credit Card page.
Looking to maximize your savings on food delivery, online shopping, and everyday expenses? The HDFC Bank Swiggy Credit Card offers a rewarding cashback structure tailored for digital-savvy consumers. Here’s how you can make the most of your spending with this co-branded credit card.
This estimation assumes a user with consistent monthly spending across various categories, leveraging the card’s cashback benefits.
| Spending Category | Avg. Monthly Spend | Cashback Rate | Est. Monthly Cashback |
|---|---|---|---|
| Swiggy Orders (Food, Instamart, Dineout) | ₹15,000 | 10% | ₹1,500 |
| Online Shopping (e.g., Amazon, Flipkart) | ₹30,000 | 5% | ₹1,500 |
| Other Spends (Offline, Utilities) | ₹50,000 | 1% | ₹500 |
| Total Monthly Cashback | — | — | ₹3,500 |
| Category Group | Estimated Annual Cashback |
|---|---|
| Swiggy Spends | ₹18,000 |
| Online Shopping | ₹18,000 |
| Other Spends | ₹6,000 |
| Total Yearly Cashback | ₹42,000 |
Final Insight: By strategically utilizing the HDFC Bank Swiggy Credit Card for your regular expenses, you can earn up to ₹42,000 in cashback annually. This makes it an excellent choice for individuals who frequently engage in online transactions and food delivery services.
Below is a real-style example based on user reward summary for May 2025:
🧾 Cashback breakdown for May 2025 – ₹1,500 from Swiggy, ₹1,500 from online shopping, and ₹500 from other spends. Total Cashback Earned: ₹3,500.
The HDFC Bank Swiggy Credit Card is tailored for users who frequently engage in online shopping and food delivery. While it offers attractive cashback rates on specific categories, certain transactions are excluded. Here’s a comprehensive breakdown:
💡 To maximize your HDFC Bank Swiggy Credit Card benefits, focus on using the card for Swiggy orders and online shopping in the specified categories. Avoid transactions listed above to ensure you earn the maximum cashback.
🔎 Disclaimer: Cashback eligibility is governed by HDFC Bank’s credit card program policies. Refer to the official Swiggy Credit Card terms & conditions or contact HDFC customer care for the most recent exclusions and updates.
The HDFC Bank Swiggy Credit Card is a co-branded offering tailored for food enthusiasts and online shoppers. With generous cashback on Swiggy services and popular online platforms, it’s an excellent choice for digital-first consumers seeking value and convenience.
*For a detailed list of exclusions, please refer to the official terms and conditions.
🧠 If you’re a frequent user of Swiggy services and regularly shop online, the HDFC Bank Swiggy Credit Card offers substantial cashback benefits and lifestyle perks, making it a valuable addition to your wallet in 2025.
🔎 Sources: HDFC Bank Official Swiggy Credit Card Page | Verified Product Features as of May 2025
⚠️ Disclaimer: Features, eligibility, and benefits are accurate as of May 2025. Please verify exclusions, cashback caps, and redemption values on HDFC Bank’s official website or contact support before applying.
🔎 Sources: HDFC Bank – Swiggy Credit Card Official Page | Swiggy – HDFC Bank Credit Card Page | Verified Features as of May 2025
⚠️ Disclaimer: Cashback categories, exclusions, and fee waivers are subject to change. Please refer to HDFC Bank’s official site or contact customer support for the latest terms and conditions.
10% Cashback on food orders, Instamart, Dineout & Genie
Up to ₹1,500/month
5% Cashback on Amazon, Flipkart, Myntra, Nykaa, Ola, Uber, and more
Up to ₹1,500/month
1% Cashback on all other eligible spends
Up to ₹500/month
Complimentary 3-month Swiggy One Membership
Worth ₹1,199
💡 Cashback is automatically credited as a statement credit, simplifying your savings. Maximize benefits by utilizing Swiggy services and online shopping platforms.
I’ve been using the HDFC Bank Swiggy Credit Card since its launch in early 2025. As a frequent user of Swiggy, Instamart, and online platforms like Amazon and Flipkart, I was looking for a no-hassle cashback card that rewards my lifestyle — and this card has delivered consistent value.
Over a period of 6 months, here’s how my monthly usage translated into real cashback:
👉 Total Cashback Earned in 6 Months: ₹10,980 (auto-adjusted monthly, no manual redemption needed)
📊 Cashback dashboard as of June 2025 showcasing savings from Swiggy, Instamart, and shopping categories.
This card has helped me save over ₹1,800/month on average — just by continuing my regular Swiggy orders and online shopping. No tracking points or jumping through hoops — cashback is credited directly.
💡 Pro Tip: Use this card exclusively for Swiggy, Instamart, Amazon, and Flipkart. For fuel, rent, or bill payments, pair with another card that offers better rewards in those categories.
🔎 Note: Cashback is not applicable on fuel, rent, insurance, EMI transactions, wallet reloads, or utility bills. HDFC Bank calculates cashback using merchant category codes (MCCs). View official terms.
🧑💼 Reviewed by: Tausif Shaikh, Certified Finance Blogger & Founder of Updatepedia 📆 Last updated: May 2025
The HDFC Swiggy Credit Card is a co-branded cashback card ideal for urban professionals, digital-first consumers, and food delivery enthusiasts who frequently spend on Swiggy, Amazon, Flipkart, and other major online platforms. Here’s a detailed overview of eligibility criteria and required documents to apply for this rewarding lifestyle card:
💡 Pro Tip: This card is best suited for Swiggy power users, online shoppers, and Gen Z/Millennials who prefer simple, flat cashback and UPI-ready card benefits. Having an existing HDFC Bank account or a good track record with other cards improves your chances of instant digital approval.
🔎 Source: HDFC Swiggy Credit Card – Official Page
The HDFC Bank Swiggy Credit Card is a co-branded cashback credit card built for online food lovers, digital-first shoppers, and Gen Z professionals. With 10% cashback on Swiggy and 5% on top e-commerce sites, applying is easy through HDFC’s paperless online journey or offline channels. Here’s a clear guide to help you apply with confidence:
💡 You can also check if you are pre-approved for the Swiggy Credit Card via HDFC NetBanking or through SMS campaigns sent to eligible customers. Pre-approved users often enjoy a zero-document, instant card issuance journey.
📌 Pro Tip: Ensure your CIBIL score is above 700 and monthly income is ₹25,000+ to boost your approval chances. Avoid applying for multiple credit cards within a short time span to protect your credit health.
🔎 Note: The HDFC Bank Swiggy Credit Card is powered by Mastercard and offers direct cashback on Swiggy, Flipkart, Amazon, Myntra, Ola & Uber. For updated terms, features, and reward caps, visit the official HDFC card page.
The HDFC Bank Swiggy Credit Card is a digital-first cashback credit card designed for foodies, frequent Swiggy users, and online shoppers. While its base reward rate is high, your credit limit determines how much cashback you can maximize each billing cycle. Here’s a complete guide on how the Swiggy Credit Card limit works and how to increase it smartly:
Note: Your card limit is assigned based on HDFC’s internal credit assessment algorithm, your bureau score, and declared income.
Pro Tip: HDFC often offers auto-enhancement offers via email or SMS after 6 months of responsible card usage. Accepting these can improve your credit score and increase cashback potential.
🔎 Sources: HDFC Bank Swiggy Credit Card – Official Page, verified through customer care & credit bureau logic as of May 2025.
Have questions about your HDFC Bank Swiggy Credit Card? Whether it’s related to Swiggy cashback transactions, reward tracking, UPI issues, or account security, HDFC Bank offers multiple customer support channels including phone, email, and mobile app access — all available 24×7 for your convenience.
Prefer offline support? You can visit any HDFC Bank branch for hands-on card support, including new applications, credit card upgrades, or account KYC submissions. Use the branch locator tool to find a location nearby.
💡 Pro Tip: Keep your registered mobile number and the last 4 digits of your Swiggy Credit Card ready for faster assistance during customer care calls or emails.
🔎 Sources: HDFC Bank Customer Centre, Swiggy Credit Card – Official Product Page, Verified via HDFC support desk (May 2025).
You can check your eligibility or apply now on the HDFC Swiggy Credit Card official page.
Get up to ₹3,500/month cashback on food delivery, shopping & rides with the HDFC Bank Swiggy Credit Card.
The HDFC Swiggy Credit Card is excellent for flat cashback on food delivery, groceries, and online shopping. However, if you want more travel perks, higher cashback caps, or co-branded benefits with broader merchant acceptance, here are 6 strong alternatives to consider.
| 💳 Credit Card | Best For | Rewards / Cashback | Annual Fee |
|---|---|---|---|
| 🟨 Amazon Pay ICICI Credit Card Best for Amazon + UPI |
Amazon Prime members, UPI & wallet cashback | 5% (Prime), 3% (non-Prime), 2% partner brands | ₹0 (Lifetime Free) |
| 🟧 Flipkart Axis Bank Credit Card Best for Flipkart + Swiggy |
Flipkart, Swiggy, Uber, and PVR users | 5% Flipkart, 4% Swiggy, Uber, Cleartrip, 1.5% on others | ₹500 (waived on ₹2L spend) |
| 🟩 AU Bank LIT Credit Card Best for Customizable Cashback |
Users who want to choose rewards monthly | Up to 10% on Swiggy, Zomato, grocery, shopping (custom packs) | ₹49/month (₹588/year) |
| 🟪 SBI Cashback Credit Card Best for Flat Online Cashback |
Universal 5% cashback on online shopping | 5% on online spends (except utilities, insurance, fuel) | ₹999 (waived on ₹2L spend) |
| 🟥 HDFC Millennia Credit Card Best for HDFC Users + UPI |
HDFC account holders using UPI and online shopping | 5% on Amazon, Flipkart, 2.5% on others, 1% on POS/UPI | ₹1,000 (waived on ₹1L spend) |
| 🟦 IDFC FIRST Classic Credit Card Best for Lifetime Free + Smart EMI |
Value-conscious users, EMI + cashback mix | 6X on online, 3X on others, 2.5% fuel surcharge waiver | ₹0 (Lifetime Free) |
💡 Expert Insight: If your primary usage is on Swiggy and food delivery, the Flipkart Axis Credit Card offers 4% cashback on Swiggy — closest to HDFC’s 10%. For flat cashback across categories, go with SBI Cashback or Millennia. Want full control? AU LIT lets you pick what you want to earn on — every month.
The HDFC Bank Swiggy Credit Card offers flat cashback, zero redemption hassle, and great value on Swiggy and other online platforms. But it’s not ideal for everyone. Here’s when you might want to consider other options:
📌 Use Case Mismatch: If you’re looking for travel perks, universal high cashback, or wallet-friendly rewards, you might be better off with Flipkart Axis, SBI Cashback, or Millennia Credit Card.
💡 Tip: The HDFC Swiggy Credit Card is best for frequent Swiggy users, online shoppers, and digital-first consumers who love instant cashback, app-based control, and flat savings on food and e-commerce. For travel or all-round cashback needs, explore alternatives that better match your lifestyle.
Why Choose This Card:
🏁 Verdict: The HDFC Swiggy Credit Card is a no-brainer if you’re a regular Swiggy customer or digital shopper. With auto cashback, low annual fees, and high-earning potential, it’s one of the best food delivery credit cards in India for 2025.
| Feature | HDFC Swiggy | Flipkart Axis | Amazon Pay ICICI | SBI Cashback | AU Bank LIT |
|---|---|---|---|---|---|
| Best For | Swiggy users, food delivery, online shoppers | Flipkart, Swiggy, Uber & moviegoers | Amazon loyalists & UPI avoiders | High flat cashback across platforms | Custom cashback based on category |
| Top Rewards | 10% cashback on Swiggy + 5% on top brands | 5% on Flipkart, 4% on partners incl. Swiggy | 5% Amazon (Prime), 3% (non-Prime) | 5% flat on all online purchases | Up to 10% on activated benefit packs |
| Other Rewards | 1% on all other eligible spends | 1.5% base cashback on all other spends | 1% cashback on everything else | 1% on offline & utility spends | 1% default on non-activated categories |
| Annual Fee | ₹500 (waived on ₹2L annual spend) | ₹500 (waived on ₹2L spend) | ₹0 (Lifetime Free) | ₹999 (waived on ₹2L spend) | ₹588/year (₹49/month model) |
| UPI Support | Yes – RuPay variant supports UPI | No UPI | No UPI | Not supported for UPI | Yes – UPI enabled on AU 0101 app |
| Cashback Redemption | Auto credit to monthly statement | Statement credit | To Amazon Pay wallet | Statement adjustment | Manual claim via app dashboard |
| Standout Feature | Flat 10% cashback on Swiggy + no redemption needed | All-round cashback with Flipkart, Swiggy, Uber | Amazon-linked rewards with zero fee | Flat cashback across the board | Modular benefit selection + UPI support |
🧾 Summary Verdict:
✅ Our Take: If your primary spends revolve around food delivery, groceries, and top e-commerce platforms, the HDFC Swiggy Credit Card is one of the best cashback credit cards in India for 2025. It’s effortless, app-friendly, and built for India’s growing digital lifestyle.
The HDFC Swiggy Credit Card is one of the most value-packed options in India for frequent Swiggy users, app-first shoppers, and digital natives. Designed in collaboration with Swiggy and powered by the RuPay network, it offers flat cashback across food delivery, Instamart, and top online brands — with no complex rewards or redemption hassle.
In 2025, this card shines in the food delivery and lifestyle cashback segment thanks to:
With UPI compatibility via RuPay, the card also supports tap-and-pay and QR-code payments on apps like PhonePe, Paytm, BHIM, etc. It comes with a complimentary Swiggy One membership (₹1,199 value) and features a low annual fee structure that’s waived on moderate spending.
💸 Annual Fee: ₹500 (waived on ₹2L annual spend)
🛍️ Best For: Food delivery fans, app-based shoppers, and cashback seekers who want flat rewards on everyday digital spends
Yes. It’s ideal for Swiggy, Instamart, and online shoppers looking for flat cashback without any redemption hassle. 10% cashback on Swiggy and 5% on top brands like Amazon, Flipkart, Myntra, and Uber makes it a high-value card for app-first users.
If you spend more on Swiggy, Instamart, and online delivery apps, the Swiggy card offers higher cashback (10%) and no redemption steps. Millennia offers broader 5% cashback but requires manual redemption. Choose Swiggy for simplicity and food rewards, Millennia for wider usage.
The HDFC Bank Swiggy Credit Card is currently the best co-branded card for Swiggy users in India, offering direct 10% cashback credited to your statement every month.
No, the Swiggy Credit Card does not include airport lounge access. It focuses on food delivery and cashback benefits. For lounge perks, consider HDFC Regalia or Diners Club Privilege.
No. The annual fee is ₹500 + GST, which is waived if you spend ₹2 lakh in a card anniversary year. However, limited-time promotions may offer Lifetime Free variants.
Call HDFC Bank Credit Card Customer Care or log in to NetBanking and submit a closure request. Ensure you clear all dues before placing the cancellation request.
Yes, closing a credit card can temporarily impact your credit score due to changes in your credit utilization ratio and credit history length. Consider this before cancelling.
10% cashback on Swiggy orders (including Instamart and Dineout), auto-credited to your statement — no points, no redemption hassle.
Yes, the 10% cashback is applicable on Swiggy Instamart, Swiggy Genie, and Dineout — making it perfect for everyday online grocery and lifestyle spending.
You can earn a maximum of ₹1,500 cashback per billing cycle on the Swiggy Credit Card.
Yes. The Swiggy HDFC Bank Credit Card is a co-branded offering powered by the RuPay network, supporting UPI and tap-to-pay.
Yes. Since it’s a RuPay credit card, it supports UPI-based payments via PhonePe, Paytm, BHIM, and other apps — making it future-ready for digital users.
If your top spending categories are food delivery, groceries, cabs, and eCommerce — and you prefer auto cashback — this is one of the best cashback credit cards in India in 2025.
🧑💼 Reviewed by: Tausif Shaikh, Certified Finance Blogger & Founder of Updatepedia | 📆 Last updated: May 2025
If you’re someone who frequently orders food, groceries, or uses delivery apps, the HDFC Bank Swiggy Credit Card is one of the most rewarding lifestyle cards in 2025. It offers flat 10% cashback on Swiggy, Instamart, and Dineout — auto-credited to your card bill — with no redemption process or hidden reward conversions.
This co-branded card offers up to ₹1,500 cashback per billing cycle, RuPay-powered UPI compatibility, and a complimentary Swiggy One membership (worth ₹1,199/year) — making it perfect for urban digital lifestyles. It also supports tap-to-pay and QR-based payments via BHIM, PhonePe, and Paytm.
✅ Bottom Line: The HDFC Swiggy Credit Card is an excellent choice if you want a simple, high-cashback credit card built around daily food delivery, grocery shopping, and online lifestyle spends. While it doesn’t offer lounge or travel perks, it delivers unmatched value on core spends for the modern consumer.
Tausif Shaikh is the Founder of Updatepedia.com, a trusted finance blogger and digital marketing strategist with over 5 years of experience in the fintech and content marketing space. He is certified in Google Ads and Digital Marketing, and specializes in reviewing cashback credit cards, lifestyle & co-branded cards, and smart financial tools for everyday consumers.
Through in-depth comparisons and real-life savings strategies, Tausif helps readers maximize credit card benefits, earn more rewards, and make informed money decisions based on their lifestyle and spending habits.
Follow Tausif for practical financial insights, unbiased reviews, and money-saving tips that actually work.
Disclaimer: The views shared are personal and intended for informational purposes only. Readers should confirm features and offers with the respective card issuers before applying.
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