HDFC Swiggy Credit Card
HDFC Bank
Last updated: Feb 03, 2026
₹500
₹500
2%
No lounge access
Contents
The Swiggy HDFC Credit Card is co-branded with Swiggy — offering up to 10% cashback on Swiggy spends and attractive rewards elsewhere.
Features of HDFC Swiggy Credit Card which makes it unique
Swiggy One membership
Complimentary 3-month Swiggy One membership on card activation, offering free deliveries and additional benefits on eligible Swiggy orders.
Savings on food delivery & delivery fees
Better for frequent Swiggy users
Cashback Credited as Swiggy Money
All earned cashback is credited directly as Swiggy Money, making it easy to redeem on food delivery, Instamart, and Dineout.
Instant in-app usability
Simpler than reward points
Rewards Structure of HDFC Swiggy Credit Card
Swiggy app (food, Instamart, dineout)
acceleratedSwiggy app & services
Excludes Swiggy wallet, liquor, and Swiggy Minis
High Cashback on Swiggy: Earn 10% cashback on eligible Swiggy spends including food delivery, Instamart, and Dineout. Cashback is credited as Swiggy Money and is subject to a monthly cap of ₹1,500.
online shopping
acceleratedEligible online merchant transactions
Excludes EMI, wallet loads, gift cards, and fuel
Bonus Cashback on Online Spends: Earn 5% cashback on eligible online shopping transactions. Cashback is credited as Swiggy Money and is subject to a combined monthly cap as per card terms.
all other spends (except fuelwallet)
baseAll eligible retail transactions not covered under accelerated categories
Excludes fuel, rent, wallet loads, EMI transactions, cash withdrawal, and fees
Standard Cashback: Earn 1% cashback on all eligible spends that do not qualify for accelerated cashback categories. Cashback is credited as Swiggy Money.
Milestones of HDFC Swiggy Credit Card
Welcome Benefit
₹10,000 within 90 days of card issuance : ₹1,000 Swiggy Money
Joining Spend Bonus: Get ₹1,000 worth of Swiggy Money on spending ₹10,000 within the first 90 days from card issuance. The reward is credited to the linked Swiggy account after eligibility is met.
Annual Fee Waiver
₹2,00,000 in a card anniversary year : ₹500 annual fee waived
Fee Waiver Benefit: The annual renewal fee is waived if total eligible spends reach ₹2 lakh or more in the card anniversary year.
Fees & Charges of HDFC Swiggy Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹500+ Applicable Charges |
| Annual Fee | ₹500+ Applicable Charges |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹101–₹1,300 |
| Over Limit Fee | 2.5% |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 2.50%of the amount withdrawn (minimum ₹500) |
Renewal Conditions:Waived if annual spends ≥ ₹2,00,000 before renewal date
Fee Explanation Standard HDFC late and penalty charges apply
Detailed Explanation of HDFC Swiggy Credit Card Fees
Forex Markup Fee: 2.0% (Per transaction)
GST extra
International Spends: A forex markup of 2% is charged on all foreign currency transactions. Effective cost becomes ~2.36% including GST.
Cash Withdrawal Fee: 2.5% of the amount withdrawn (minimum ₹500) (Per transaction)
GST extra, interest from day one
Cash Advance Charges: Cash withdrawals attract immediate interest with no interest-free period.
Late Payment Fee: ₹100–₹1,300 (Per billing cycle)
Slab-based, GST extra
Payment Delay Penalty: For Statement Balance: Up to Rs. 100 Nil Rs. 101 to Rs. 500 Rs. 100 Rs. 501 to Rs. 1,000 Rs. 500 Rs. 1,001 to Rs. 5,000 Rs. 600 Rs. 5,001 to Rs. 10,000 Rs. 750 Rs. 10,001 to Rs. 25,000 Rs. 900 Rs. 25,001 to Rs. 50,000 Rs. 1,100 More than Rs. 50,000 Rs. 1,300
Over Limit Fee: 2.5% (Per instance)
GST extra
Credit Limit Breach: Charged when total outstanding exceeds the approved credit limit.
Returned Payment Fee: ₹500 (Per instance)
GST extra
Failed Payment Charge: Applied when a payment fails due to insufficient funds or bank rejection.
Additional Features of HDFC Swiggy Credit Card
Contactless Payments
Tap & pay enabled
Subject to terminal support and transaction limits
Quick & Secure Payments: Supports contactless Tap & Pay transactions for faster checkout at enabled POS terminals.
Card Network
Visa
Global acceptance
Wide Acceptance: Issued on the Visa network, allowing domestic and international usage wherever Visa is accepted.
Digital Card Access
Instant virtual card via HDFC app
Available after card approval
Instant Usage: A virtual card is generated instantly after approval and can be used for online transactions before the physical card arrives.
Welcome Bonus with HDFC Swiggy Credit Card
Welcome Bonus: 3 months Swiggy One membership (₹1,199 value)
Bonus Conditions: On new card issuance
Application Process for HDFC Swiggy Credit Card
Processing Time
Instant approval; card delivered in 7–10 working days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Visit HDFC Swiggy credit card application page
Start Online Application: Apply through the Swiggy app or HDFC Bank’s official website by selecting the HDFC Swiggy Credit Card.
Fill your details & submit KYC docs
Complete KYC: Enter personal, employment, and income details, then complete Aadhaar-based video KYC or document verification.
Verification by bank
Bank Review: HDFC Bank verifies your application, credit profile, and submitted documents.
Card dispatched in a few days
Card Delivery: On approval, a virtual card is issued instantly and the physical card is delivered within 7–10 working days.
Required Documents for HDFC Swiggy Credit Card
ID Proof
All applicantsAccepted documents:
Identity Verification: PAN is mandatory for credit card issuance. Aadhaar is commonly used for identity verification and video KYC.
Address Proof
All applicantsAccepted documents:
Address Verification: The address proof must match the current residential address of the applicant.
Income Proof
Salaried / Self-employed (as applicable)Accepted documents:
Income Assessment: Income documents are required to assess eligibility and credit limit. Requirements may vary based on applicant profile.
HDFC Swiggy Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide across India
International Acceptance
Yes (Visa / Mastercard network)
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for HDFC Swiggy Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹180,000
Minimum annual income
Self-Employed Applicants
₹600,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN, Aadhaar, must be salaried Indian national
- Identity Proof:- Passport Aadhaar card Voter ID Driving licence PAN card Passport size photographs
- Address Proof:- Utility bills (electricity, water, gas, or telephone) Rental agreement Passport Aadhaar card Voter ID
- Income Proof:- Salary slips (for salaried individuals) Income Tax Returns (ITR) Form 16 Bank statements
How Approval Is Decided
- Indian resident
- Age 21–60 years
- Net monthly income ≥ ₹15,000 (for salaried)
- Credit score & banking criteria per HDFC norms
Pros of HDFC Swiggy Credit Card
- Simple co-brand benefits aligned to food/deliverySwiggy-focused benefits: Simple co-branded rewards structure designed for frequent food delivery, Instamart, and dining spends on Swiggy.
- 10% cashback on SwiggyHigh cashback on Swiggy: Earn 10% cashback on eligible Swiggy spends including food delivery, Instamart, and Dineout (monthly cap applies).
- 5% on online shoppingStrong online shopping rewards: Offers 5% cashback on eligible online shopping transactions, which is higher than most entry-level cashback cards.
Cons of HDFC Swiggy Credit Card
- Strict caps per billing cycleMonthly cashback caps: Cashback is subject to strict monthly category-wise limits, which can restrict overall savings for heavy spenders.
- Annual fee if not meeting spend criteriaAnnual fee if spend not met: Annual fee is charged if the ₹2 lakh spend threshold is not achieved in the card anniversary year.
- Limited benefits outside Swiggy / onlineLimited value outside Swiggy: Rewards are less attractive for offline retail, travel, fuel, and other non-online spending categories.
Frequently Asked Questions about HDFC Swiggy Credit Card
What is the joining fee?
Joining and renewal fee is ₹500. It is waived if annual spend ≥ ₹2,00,000.
GST is applicable on the joining fee as per government norms.Is the annual fee waived?
Yes, the ₹500 annual fee is waived if you spend ₹2,00,000 or more in a card anniversary year.
If the spend threshold is not met, the annual fee is charged.How much cashback can I earn on Swiggy?
You can earn 10% cashback on eligible Swiggy spends including food delivery, Instamart, and Dineout, subject to a monthly cap.
Cashback is credited as Swiggy Money.Does this card offer airport lounge access?
No, the HDFC Swiggy Credit Card does not provide airport lounge access.
This is a cashback-focused card without travel benefits.Can I use this card for international transactions?
Yes, international transactions are allowed and attract a 2% forex markup fee plus applicable GST.
Forex charges apply on all foreign currency transactions.Add Your Review
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