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HDFC Bank

Swiggy HDFC Bank Credit Card

Swiggy HDFC Bank Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.

Source-traced to issuer Verified 2026-07-30
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Fees & welcome

Joining fee

₹500 + applicable taxes.

Verified · Swiggy HDFC Bank Credit Card product page · 2026-07-30 · source

Annual / renewal fee

  • ₹500 + applicable taxes (levied within 120 days).
  • Renewal fee ₹500 from second year onwards.

Verified · Swiggy HDFC Bank Credit Card FAQs / Program Terms · 2026-07-30 · source

Fee waiver

  • Renewal fee from second year onwards waived on spends of ₹2 lakh and above per annum using the Swiggy HDFC Bank Credit Card.
  • Exclusions: Cash on Call, Balance Transfer, Cash Withdrawal.

Verified · Swiggy HDFC Bank Credit Card FAQs / Program Terms · 2026-07-30 · source

Welcome benefit

  • Complimentary Swiggy One Membership for 3 months on card activation (existing Swiggy One members get 3-month extension).
  • Card must be activated within 37 days of card issuance.
  • Customer must claim 'Swiggy One' on Swiggy app post activation.

Verified · harvested from product page · 2026-07-30 · source

Earn rates

  • 10% cashback on Swiggy App (Food Delivery, Instamart, Dineout, Genie) capped ₹1500/billing cycle.
  • 5% cashback on online shopping (specified categories) capped ₹1500/billing cycle.
  • 1% cashback on other categories capped ₹500/billing cycle.
  • Min transaction ₹249 for 10% (w.e.f 21st April 2026), ₹100 for 5% and 1%.

Verified · harvested from product page · 2026-07-30 · source

Fees & charges

Interest-free period

Up to 50 days interest-free period for all purchases.

Verified · Swiggy HDFC Bank Credit Card FAQs / Program Terms · 2026-07-30 · source

Fuel

Fuel surcharge waiver

1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000, maximum waiver of ₹250 per statement cycle (GST on fuel surcharge not reversed).

Verified · Most Important Terms & Conditions (MITC) cum Key Fact Statement - English (covers Swiggy HDFC Bank Credit Card) · 2026-07-30 · source

Rewards

Milestone benefit

Birthday Week offer: Additional 10% discount on Swiggy Dineout up to ₹500 on minimum order value of ₹3000 (over and above 10% cashback), valid 7 days (3 days before and 3 days after birthday), once per cardholder, eligible only 30 days after card activation (coupon SWIGGYCARDBDAY).

Verified · harvested from product page · 2026-07-30 · source

Reward exclusion

Prepaid Card/Gift Card/WalletRentGovernment related transactionsFuelJewellerySmartpaySmartbuy portalEMI (all types)Cash advancesPurchase of travellers' chequesPurchase of foreign currency and feesand any other categories decided from time to time

Verified · harvested from product page · 2026-07-30 · source

Reward cap

  • 10% cashback capped at ₹1500 per billing cycle.
  • 5% cashback capped at ₹1500 per billing cycle.
  • 1% cashback capped at ₹500 per billing cycle.
  • Maximum cashback per statement cycle: ₹3500.

Verified · Most Important Terms & Conditions (MITC) cum Key Fact Statement - English (covers Swiggy HDFC Bank Credit Card) · 2026-07-30 · source

Redemption value

  • Cashback earned (for statements post 21 June 2024) is auto-redeemed against the outstanding balance in the subsequent statement.
  • Not adjusted against finance charges.
  • No minimum value required for auto redemption.
  • Rewards Redemption Fee of ₹99 and Cashback Redemption Charges of ₹50 are NOT applicable/excluded for Swiggy HDFC Credit Card.
  • Swiggy Money (earned prior to 21 June 2024) expires 1 year after earning.

Verified · Swiggy HDFC Bank Credit Card FAQs / Program Terms · 2026-07-30 · source

Travel & lifestyle

Dining benefit

  • Additional 10% discount on Swiggy Dineout up to ₹500 on minimum order value of ₹3000 during Birthday Week (7 days: 3 days prior and 3 days after birthday), over and above 10% cashback.
  • Applicable once per cardholder, only after 30 days post card activation.
  • Coupon SWIGGYCARDBDAY.

Verified · harvested from product page · 2026-07-30 · source

Protection

Statement credit

  • For statements generated post 21 June 2024, cashback earned is credited against outstanding balance in card statement (auto-redeemed against subsequent cycle's outstanding).
  • Cashback is not adjusted against finance charges.
  • Minimum transaction of ₹249 to earn 10% cashback (w.e.f 21 April 2026) and ₹100 to earn 5% and 1% cashback.

Verified · Most Important Terms & Conditions (MITC) cum Key Fact Statement - English (covers Swiggy HDFC Bank Credit Card) · 2026-07-30 · source

Insurance

Zero lost card liability (available on fraudulent transactions if reported immediately to HDFC Bank's 24-hour Call Centre) and emergency card replacement.

Verified · Swiggy HDFC Bank Credit Card FAQs / Program Terms · 2026-07-30 · source

Eligibility

Eligibility

  • Available on invite-only basis.
  • Can also apply from Swiggy app (Account Section).
  • Existing HDFC Bank credit cardholders can apply.
  • Credit limit will be shared/distributed between cards held (Floater Card).
  • Issued only under Mastercard World platform.
  • Card variants issued based on income criteria, credit profile and location.

Verified · harvested from product page · 2026-07-30 · source

Official sources

Official issuer pageMost Important Terms & Conditions (MITC) cum Key Fact Statement - English (covers Swiggy HDFC Bank Credit Card)harvested from product pageSwiggy HDFC Bank Credit Card FAQs / Program Terms

Verified 2026-07-30 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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