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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