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Swiggy HDFC Bank Credit Card

India's best co-branded food card — 10% back on every Swiggy order

Co-branded10% CashbackSwiggyLow Fee
Apply Now — Official HDFC Site ↗
Joining Fee
₹500 + GST
Annual Fee
₹500 + GST
Reward Rate
10% on Swiggy (food/Instamart/Dineout); 5% select online; 1% others
Lounge Access
None
Forex Markup
3.5%
Fuel Waiver
1%
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Key Features & Benefits
  • ✦10% cashback on Swiggy app — food, Instamart, Dineout, Genie (up to ₹1,500/month)
  • ✦5% cashback on select online categories — apparel, travel, entertainment, electronics (up to ₹1,500/month)
  • ✦1% cashback on all other eligible spends (up to ₹1,000/month)
  • ✦Complimentary 3-month Swiggy One membership on joining
  • ✦Free delivery on all Swiggy orders above ₹149 with Swiggy One
  • ✦Extra discounts on partner restaurants and stores
  • ✦Annual fee waiver on ₹2L annual spend
  • ✦World Tier Mastercard privileges
  • ✦Contactless payments enabled
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Welcome & Joining Benefits
  • ✦3-month Swiggy One membership complimentary on card activation
  • ✦Complimentary Swiggy vouchers on joining
Milestone Benefits
  • ✦₹2L annual spend → ₹500 annual fee waived
Pros & Cons

✓ Advantages

  • ✓10% on Swiggy — best rate on any food delivery platform
  • ✓Covers Instamart (grocery) + Dineout + Genie — full Swiggy ecosystem
  • ✓5% on online shopping + 10% Swiggy = covers most daily digital spend
  • ✓Very low ₹500 fee easily waived
  • ✓Swiggy One 3-month membership = free delivery savings

✗ Disadvantages

  • ✗10% capped at ₹1,500/month — power users may hit cap
  • ✗No lounge access
  • ✗3.5% forex markup
  • ✗Best value only for regular Swiggy users
Frequently Asked Questions
Does the 10% apply to Swiggy Instamart?▼
Yes — the 10% cashback applies to all transactions on the Swiggy app including food delivery, Instamart grocery delivery, Dineout restaurant bookings, and Genie pickup/delivery. The ₹1,500 cap is across all Swiggy categories combined.
Is the Swiggy One membership renewed each year?▼
The welcome benefit gives 3 months of Swiggy One on joining. Annual renewal of Swiggy One may be available as a milestone benefit — check current HDFC offer terms.
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