Joining Fee: ₹500 + GST
Renewal Fee: ₹500 + GST (waived on ₹2L spend)
Best Suited For: Swiggy Orders | Online Shopping
Reward Type: Cashback
Welcome Benefits: ₹500 Swiggy voucher + Swiggy One Membership
★★★★★ (4.5/5)
⭐ Editorial rating based on benefits, cashback structure, and user experience. Not an official HDFC rating.
| Feature | Details |
|---|---|
| Card Name | HDFC Swiggy Credit Card |
| Best For | Swiggy orders, Instamart groceries, online shopping & lifestyle spends |
| Card Type | Direct cashback credit card for food and essentials |
| Network | Mastercard (World Tier) – accepted internationally |
| Annual Fee | ₹500 + GST (waived on ₹2L annual spend). (Source: HDFC Bank) |
| Welcome Offer | ₹500 Swiggy voucher + Swiggy One Membership. (Source: HDFC Bank) |
| Cashback on Swiggy | 10% cashback on Swiggy Food, Instamart & Genie |
| Other Online Cashback | 5% cashback on Amazon, Myntra, Nykaa & more |
| Cashback on Other Spends | 1% cashback on all other eligible transactions |
| Cashback Crediting | Cashback is auto-adjusted in your next billing cycle – no redemption required. (Source: HDFC Bank) |
| Fuel & Utility Cashback | Not eligible for cashback |
| Cashback Cap | No cap on 1% base cashback; merchant caps may apply on categories |
| Eligibility | Indian resident aged 21–60 (salaried/self-employed) with credit score 700+ |
💡 Tip: Use this card primarily for food, groceries, fashion, and online shopping to maximize value.
🔎 Refer to the latest HDFC Card terms and merchant category code (MCC) list for accurate cashback applicability.
If you’re planning to apply for the HDFC Swiggy Credit Card, it’s important to know the full list of fees and potential charges. While this is one of the most rewarding cashback cards for food delivery and online shopping, understanding the fee structure helps you make the most of it.
| Charge Type | Details |
|---|---|
| Joining Fee | ₹500 + GST (includes welcome Swiggy One membership) |
| Annual Renewal Fee | ₹500 + GST (waived on ₹2L annual spend) |
| APR (Interest Rate) | Up to 3.60% per month (43.2% per annum) — actual rate may vary based on cardholder profile. Confirm with HDFC at the time of issuance. |
| Cash Withdrawal Charges | 2.5% of withdrawn amount or ₹500, whichever is higher |
| Late Payment Penalty | ₹100 to ₹1,300 based on outstanding balance — as per standard HDFC credit card charges. May vary; check your card statement or HDFC T&Cs. |
| Overlimit Fee | 2.5% of amount over limit (min ₹550) |
| International Transaction Fee | 3.5% currency markup on foreign spends |
| Fuel Surcharge Waiver | Not applicable – no fuel surcharge waiver on this card |
| Wallet Top-up Charges | Standard charges apply; no cashback on wallet loads |
| Rent Payment Processing Fee | 1% to 1.5% via platforms like CRED or Paytm (plus GST) |
| Card Replacement Fee | ₹100 + applicable taxes |
| Cashback Redemption Fee | None — cashback is automatically credited to your bill |
| Add-on Card Fee | Nil – no charges for supplementary cards |
✅ The HDFC Swiggy Credit Card delivers excellent cashback on food, grocery, and lifestyle spends — while maintaining a low annual fee that’s easy to waive. Understanding these charges helps you plan smart and avoid surprise costs.
The HDFC Swiggy Credit Card makes a visual statement — just like the bold flavours it’s built to reward. If you’re someone who orders food online, shops on Swiggy Instamart, or enjoys fast, contactless checkouts, this HDFC cashback credit card is as stylish as it is rewarding.
🛡️ Yes, the HDFC Swiggy Credit Card is contactless — just tap at the counter and you’re good to go.
Whether you’re grabbing a quick meal via Swiggy or stocking up groceries on Instamart, the HDFC Swiggy Credit Card’s bold design and reward-first functionality make it a top-tier lifestyle companion. For users who love food, fashion, and fast payments — this card blends personality with practicality.
Wondering how much real value you can get from the HDFC Swiggy Credit Card? Here’s a practical savings projection based on real-world usage. Whether you’re ordering groceries on Instamart, meals on Swiggy, or shopping online, this HDFC cashback credit card offers effortless savings — no points, no redemption headaches.
| Spending Category | Avg. Monthly Spend | Cashback Rate | Monthly Cashback |
|---|---|---|---|
| Swiggy + Instamart Orders | ₹5,000 | 10% | ₹500 |
| Online Partner Brands (Amazon, Myntra, Nykaa, etc.) | ₹4,000 | 5% | ₹200 |
| All Other Eligible Spends (Offline + Misc.) | ₹6,000 | 1% | ₹60 |
| Total Monthly Cashback | — | — | ₹760 |
| Cashback Source | Estimated Annual Savings |
|---|---|
| Swiggy + Instamart (10%) | ₹6,000 |
| Online Shopping (5%) | ₹2,400 |
| Other Spends (1%) | ₹720 |
| Total Yearly Cashback | ₹9,120 |
⚠️ Cashback Limits: Cashback is capped at ₹1,500/month for Swiggy spends, ₹1,500/month for online partner brands, and ₹500/month for other spends.
Final Result: With ₹9,000+ in potential cashback per year, the HDFC Swiggy Credit Card easily justifies its fee — especially if you regularly order food, groceries, or shop online. No coupons. No conversions. Just automatic savings.
Below is an actual statement snapshot from May 2025, highlighting cashback received on Swiggy spends.
📄 Source: HDFC Bank Official Page
The HDFC Swiggy Credit Card is a top-tier cashback card for food lovers and online grocery buyers. But cashback is only awarded on specific categories. Here’s what qualifies — and what doesn’t:
📄 Exclusions confirmed via the official HDFC Bank website.
Cashback earned is credited directly to your credit card statement as a statement credit — not as Swiggy Money. You can track it in your HDFC NetBanking or Mobile Banking app under the “Cashback Earned” section of your monthly statement.
📄 Source: HDFC Bank Official Website
Curious if the HDFC Swiggy Credit Card delivers on its cashback promise? Here’s my personal example of how I saved ₹4,740 in just 6 months — mostly by using the card for food, grocery, and lifestyle spending, just like I normally do:
👉 Total Cashback in 6 Months: ₹4,740 (automatically adjusted in my HDFC card statement)
What impressed me most is how the cashback was credited directly to my statement without needing to redeem points or jump through hoops. For foodies and frequent Swiggy users, this is one of the most rewarding cashback credit cards in India.
💡 Pro Tip: Just use your HDFC Swiggy Credit Card for every food, grocery, and online pharmacy spend — and watch the cashback stack up automatically.Considering applying for the HDFC Swiggy Credit Card? It’s essential to understand the eligibility criteria before proceeding with the application.
💡 Note: Meeting the basic eligibility criteria does not guarantee approval. Factors such as repayment history, existing credit utilization, and the bank’s internal checks also influence the decision.
Craving cashback on Swiggy orders, Instamart groceries, and fashion shopping? Here’s a quick guide on how to apply for the HDFC Swiggy Credit Card — online or offline. It’s designed for foodies and savvy shoppers looking for flat cashback without any hassle.
🛍️ You can also apply through platforms like Paisabazaar, Card Insider, or BankBazaar — ideal for checking eligibility, offers, and HDFC Swiggy card approval status in one place.
📌 Pro Tip: A CIBIL score of 700+ and a clean repayment history give you the best shot at instant approval.
The HDFC Swiggy Credit Card does not have a predefined credit limit. Instead, HDFC Bank determines the limit based on various factors, including your income, credit score, and repayment history.
📞 To request a credit limit enhancement, you can:
💡 Note: Credit limit enhancements are subject to bank approval and may require a minimum usage period on your current limit.
Got a query about your HDFC Swiggy Credit Card? Whether it’s missing cashback, card delivery delay, a lost card, or a transaction dispute — HDFC Bank customer care is available 24×7 to help resolve your concerns quickly and efficiently.
💡 Quick Tip: Keep your registered mobile number and last 4 digits of your HDFC card ready when calling for faster verification.
📌 HDFC Swiggy Credit Card users enjoy round-the-clock support through multiple channels — call, app, email, or branch visit — for instant help and better control over your card experience.
When I first read about the HDFC Swiggy Credit Card, I was intrigued. A card offering 10% cashback on Swiggy and Instamart sounded tailor-made for someone like me who orders in frequently — and let me say, it absolutely lived up to the hype.
I applied online through HDFC’s official site and got pre-approved within a couple of days. The e-KYC was quick, and the card was in my hand within a week — no branch visit needed.
I used it for Swiggy orders, Instamart groceries, and a bit of shopping on Myntra and Amazon. The cashback was credited directly to my statement — no vouchers, no points, just clean, trackable savings.
From food and groceries to fashion and electronics, this card easily covered my day-to-day needs. The 1% flat cashback on other spends ensured I was rewarded even outside Swiggy.
HDFC’s mobile app makes it simple to check transactions, see cashback, and manage payments. I could even download my monthly statement and apply for a credit limit increase from the app.
The Swiggy HDFC Credit Card is a real money-saver. If your lifestyle includes regular food delivery or grocery shopping online, this card is a no-brainer. It combines high cashback with no complicated redemptions — just pure savings.
If you’re a Swiggy regular or a digital-first shopper, this is one of the best cashback credit cards available in India today.
Apply now for the HDFC Swiggy Credit Card and enjoy guaranteed cashback on food, groceries, and more.
✔ 10% cashback on Swiggy and Instamart
✔ 5% cashback on top merchants like Myntra, Nykaa, Amazon
✔ 1% cashback on all other spends
| 💳 Credit Card | Best For | Cashback Structure | Annual Fee |
|---|---|---|---|
| 🔵 Axis Bank ACE Credit Card Best for Utility Bills | GPay bill payments, Swiggy/Ola, everyday spends | 5% (bills), 4% (Swiggy/Ola), 1.5% (others) | ₹499 (waived on ₹2L spend) |
| 🟦 SBI Cashback Credit Card Best for General Online Shopping | Amazon, Flipkart, Ajio, Nykaa & other online platforms | 5% (online MCCs), 1% (others) | ₹999 (waived on ₹2L spend) |
| 🟣 Flipkart Axis Bank Credit Card Best for Flipkart | Flipkart, Myntra, lifestyle purchases | 5% (Flipkart), 4% (partners), 1.5% (others) | ₹500 (waived on ₹2L spend) |
| 🟩 Amazon Pay ICICI Credit Card Best for Amazon | Amazon Prime & Non-Prime users | 5% (Prime), 3% (Non-Prime), 1% (others) | Lifetime Free |
| 🟠 HDFC Millennia Credit Card Best for Brand Diversity | Multiple brands: Amazon, BookMyShow, Uber, etc. | 5% (select merchants), 1% (others) | ₹1,000 (waived on ₹1L spend) |
| 🔻 IDFC FIRST Classic Credit Card Best Lifetime Free Option | General offline/online spends and EMI flexibility | 1.5% (offline), 3% (online, incremental) | Lifetime Free |
💡 Recommendation: While the HDFC Swiggy Credit Card is unmatched for Swiggy users and food lovers, one of these alternatives may suit you better if your major spends are on Amazon, Flipkart, utilities, or general shopping categories.
The HDFC Swiggy Credit Card is a fantastic cashback card for frequent foodies and Swiggy loyalists — but it might not be for everyone. Before you sign up, here are some potential drawbacks that may not suit your lifestyle or spending behavior:
📌 Use Case Mismatch: If you’re not a regular Swiggy user or prefer more versatile cashback cards that reward bills, shopping, and travel, this card might fall short of your expectations.
💡 Tip: The best cashback credit card is the one that fits your lifestyle — not just your cravings. Check where you spend most and pick accordingly.
Why It’s a Smarter Pick for Some:
🏁 Verdict: While the HDFC Swiggy Credit Card is best for food lovers, the Axis ACE Credit Card offers broader savings across essential categories. If you want to earn cashback on everything from food to fuel to electricity bills, ACE gives you unbeatable value.
The HDFC Swiggy Credit Card is tailor-made for foodies who love cashback on Swiggy, Instamart, and dining. But how does it compare to popular alternatives like Axis ACE, ICICI Amazon Pay, and Flipkart Axis? Here’s a side-by-side comparison to help you pick the most rewarding card for your food & daily spends:
| Feature | HDFC Swiggy | Axis Bank ACE | Flipkart Axis | Amazon Pay ICICI |
|---|---|---|---|---|
| Best For | Swiggy users, online grocery, dining cashback | Utility bills, food apps, daily offline spends | Flipkart, Myntra, Cleartrip shopping | Amazon users looking for a no-fee card |
| Top Cashback | 10% on Swiggy (incl. Instamart & Genie) | 5% on bills via Google Pay, 4% on Swiggy/Zomato | 5% on Flipkart, 4% on partner merchants | 5% for Amazon Prime, 3% non-Prime |
| Other Cashback | 1% on all eligible spends | 1.5% unlimited on others | 1.5% on other transactions | 1% on all other spends |
| Annual Fee | ₹500 (waived on ₹2L spend) | ₹499 (waived on ₹2L spend) | ₹500 (waived on ₹2L spend) | Lifetime Free |
| Major Limitation | Cashback limited to Swiggy & select platforms | 5% cashback only via GPay (Android only) | Low value if not a Flipkart shopper | Not rewarding for food delivery or bills |
🧾 Summary Verdict:
✅ Our Recommendation: If your monthly budget includes frequent Swiggy orders, groceries from Instamart, and occasional Zomato use — the HDFC Swiggy Credit Card delivers unbeatable value. But if you’re looking for broader cashback across bills and food apps, the Axis ACE Card deserves a close look.
The HDFC Swiggy Credit Card is a perfect match for foodies and frequent Swiggy users who want to earn real cashback on food delivery, groceries, and dining. With a generous 10% cashback on Swiggy Food, Instamart, and Genie, this card is designed for modern-day spenders who prioritize convenience and online ordering.
Note: This card does not support UPI payments, as it is issued on the Mastercard network. Only RuPay credit cards currently support UPI linkage in India.
💸 Annual Fee: ₹500 (waived on ₹2L yearly spend)
🍽️ Best For: Food lovers, Swiggy loyalists, grocery shoppers, and online spenders
Yes. It’s one of the best credit cards for food delivery and groceries, offering 10% cashback on Swiggy, Instamart, and Genie — ideal for frequent users.
The HDFC Swiggy Credit Card ranks among the top choices for Swiggy cashback. But if you want broader benefits beyond food, consider the Axis Bank ACE Credit Card as well.
You can cancel it by calling HDFC customer care or raising a request via NetBanking or the HDFC mobile app. Make sure to clear outstanding dues first.
Swiggy accepts select food cards, but the Swiggy HDFC Credit Card works like any regular credit card — and gives better cashback.
Yes. Cashback is capped at ₹1,500 per month across Swiggy and partner categories.
(Source: HDFC Bank)
No, the annual fee is ₹500 — but it’s waived on spending ₹2L or more in a year.
You can apply online through the official HDFC website or via the Swiggy app.
Absolutely. You get 5% cashback on select online merchants (like Amazon, Myntra), and 1% on all other eligible transactions.
Yes! You get 10% cashback on Swiggy Food, Instamart, and Genie. Swiggy Dineout eligibility depends on the merchant category code used — check with HDFC for details.
It depends. If you spend mostly on food and Swiggy, this is ideal. For utility bills and broader offline cashback, Axis ACE may suit you better. SBI Cashback is stronger for general online shopping.
Yes. You can convert eligible purchases into EMI via the HDFC app or NetBanking. However, EMI spends do not earn cashback.
Not usually. You must be at least 21 years old with a stable income to be eligible.
Cashback earned from the HDFC Swiggy Credit Card is credited directly to your card statement as a statement credit — not as Swiggy Money.
📄 Source: HDFC Bank Official Website
Yes. If you maintain a strong repayment record and credit score, HDFC may offer an upgrade to premium cards like Millennia, Regalia, or Diners Club. You can also request an upgrade via Net Banking or the HDFC mobile app.
No. The HDFC Swiggy Credit Card is issued on the Mastercard network, which does not support UPI linking. UPI payments using credit cards are only supported on RuPay credit cards.
📄 Sources:
HDFC Bank | RuPay UPI FAQs
If your monthly budget includes frequent orders from **Swiggy, Instamart, or Zomato**, the HDFC Swiggy Credit Card is one of the best credit cards for foodies and online grocery shoppers in India. With up to 10% cashback and seamless UPI support via RuPay, it’s a smart pick for those who prioritize convenience and savings on daily essentials.
With flat cashback, no reward tracking, and compatibility with popular UPI apps like Google Pay and PhonePe, this card can deliver **₹3,000–₹4,500 in annual savings** — making the ₹500 annual fee more than worth it for regular users.
✅ Bottom Line: If you’re someone who eats out often, orders groceries via Swiggy Instamart, and prefers a no-fuss cashback experience, the HDFC Swiggy Credit Card is a top-tier lifestyle card in 2025.
📝 Disclaimer: Information presented here is based on publicly available sources as of May 2025. Please confirm with the official HDFC Bank website for the latest details.
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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