Swiggy HDFC Bank Credit Card
About Swiggy HDFC Bank Credit Card
The Swiggy HDFC Bank Credit Card is the undisputed market leader for households that rely heavily on Swiggy for lunch orders, dinner parties, quick-commerce groceries via Instamart, and weekend dining via Dineout. Achieving the maximum ₹1,500 monthly cashback on Swiggy alone translates into ₹18,000 in annual savings.
Rewards and Benefits
Verified privileges, welcome benefits, movie discounts, and airport lounge schedules.
| Category | Details & Conditions |
|---|---|
| 🍔10% Swiggy Cashback | 10% direct cashback on Swiggy Food, Instamart, Dineout, and Genie on orders of ₹249 and above (capped at ₹1,500/month). |
| 🛍️5% Online Partner Apps | 5% cashback on top online merchants including Amazon, Flipkart, Myntra, Nykaa, and Uber on orders of ₹100 and above (capped at ₹1,500/month on BLCK, ₹1,000/month on ORNGE). |
| 💳1% Base Retail Cashback | 1% cashback on other eligible online and offline retail spending (capped at ₹500/month). |
| ⛳Complimentary Golf Rounds | 4 complimentary golf games or lessons per calendar year (1 per quarter) on the BLCK edition. |
| 👑Swiggy BLCK Membership | Complimentary 3-month Swiggy BLCK / One membership unlocked upon card activation. |
| 🎯Milestone Fee Waiver | Annual fee waived on spending ₹2,00,000 or more in an anniversary year (BLCK edition) or ₹1,00,000 (ORNGE edition). |
Fees & Charges
Transparent schedule of annual charges, spend-based reversals, finance APR, and cash advance rates.
| Fee / Charge | Amount & Conditions |
|---|---|
| Spend-Based Waiver | ₹500 + GST (Waived on Spends of ₹2,00,000)Spend target in anniversary year to reverse renewal fee. |
| Interest Rates / Finance Charges | 3.75% Per Month (45.00% Annually)Standard finance charge applicable on revolving retail balances and ATM cash advances until complete settlement (revised w.e.f. August 2024). |
| Late Payment Charges | Nil (Up to ₹100), ₹100 (₹101–₹500), ₹500 (₹501–₹1,000), ₹600 (₹1,001–₹5,000), ₹750 (₹5,001–₹10,000), ₹900 (₹10,001–₹25,000), ₹1,100 (₹25,001–₹50,000), ₹1,300 (Above ₹50,000)Tiered late payment charge based on total outstanding balance if Minimum Amount Due is not paid by payment due date. |
| Foreign Currency Markup | 3.50% + GSTStandard cross-currency conversion fee applicable on overseas transactions and foreign currency billing. |
| Dynamic Currency Conversion (DCC) | 1.00% + GST Markup FeeApplicable on transactions carried out in Indian Currency (INR) at an international location or overseas-registered merchants. |
| Rewards / Cashback Redemption Fee | ₹0 (Direct Automatic Statement Credit)Cashback settles directly against monthly card statement dues with zero redemption fee. |
| Fuel Surcharge Waiver | 1% Fuel surcharge waiver on transactions between ₹400 and ₹5,000 (Max ₹250 per statement cycle)Surcharge waiver excludes GST. Valid across all fuel stations in India. Fuel spends do not accrue reward points. |
| High-Value Fuel Spend Surcharge | 1% fee on fuel spends exceeding ₹15,000/month (Capped at ₹4,999/txn)Applicable on cumulative fuel spends above the monthly threshold in a calendar month. Surcharge is capped at ₹4,999 per transaction. |
| Cash Advance Charges | 2.5% of transaction amount or ₹500 (whichever is higher)Domestic & International ATMs. Finance charge of 3.75% p.m. applies from the date of withdrawal until full payment. |
| Overlimit Charges | 2.5% of Overlimit Amount (Min ₹550)Applicable if retail or merchant transactions exceed the sanctioned credit limit (subject to explicit cardholder consent). |
| Rental Transaction Surcharge | 1% fee capped at ₹4,999 per transactionProcessing fee levied on rental payments via platforms like CRED, Paytm, NoBroker, etc. (w.e.f. 1st July 2025). |
| Online Skill-based Gaming Surcharge | 1% fee on spends exceeding ₹10,000/month (Capped at ₹4,999/month)Applicable on online skill-based gaming transactions exceeding ₹10,000 cumulative in a calendar month (w.e.f. 1st July 2025). |
| Wallet Loading Surcharge (excl. PayZapp) | 1% fee on loads exceeding ₹10,000/month (Capped at ₹4,999/month)Applicable on wallet loading transactions exceeding ₹10,000 cumulative in a calendar month (PayZapp wallet loading is exempt, w.e.f. 1st July 2025). |
| Utility Payments Surcharge | 1% fee on utility spends exceeding ₹50,000/month (Capped at ₹4,999/month)Levied on cumulative utility bill payments (electricity, gas, water) exceeding the threshold in a calendar month. Capped at ₹4,999/month. |
| Third-Party Education Fee Surcharge | 1% fee capped at ₹4,999 per transaction via third-party appsLevied on school/college fee payments made via third-party apps (CRED, Cheq, NoBroker). Zero fee on direct school/college website or POS transactions. |
| Payment Dishonour / Bounce Charges | 2% of payment amount (Min ₹450)Charged if cheque, ECS, NACH, or auto-debit instruction towards credit card payment is returned or dishonoured. |
| Card Replacement Fee | ₹100 + GSTStandard physical card re-issuance fee for lost, stolen, or damaged card. |
| Cash Payment at HDFC Branch / ATM | ₹100 + GST per transactionService fee charged for paying credit card bill via physical cash deposit at HDFC Bank branches or ATMs. |
| Railway Ticket Booking Surcharge | 1% of transaction amount + GSTStandard IRCTC transaction fee charged on railway ticket purchases. |
Pros & Cons
Swiggy HDFC Bank Credit Card Features and Benefits
Comprehensive overview of welcome benefits, quarterly spend bonuses, dining privileges, and renewal fee waiver milestones.
10% Swiggy Acceleration
Earn 10% cashback across Swiggy platforms (Food Delivery, Instamart, Dineout, Genie) on transactions of ₹249 or more, capped at ₹1,500 per month.
5% Online Multiplier
Earn 5% cashback on top online merchants such as Amazon, Flipkart, Myntra, Nykaa, and Uber on transactions of ₹100 or more, capped at ₹1,500 per month.
Golf & Lifestyle Perks
Enjoy 4 complimentary golf games or coaching lessons per calendar year at premier golf courses across India.
Swiggy BLCK Experience
Get 3 months of complimentary Swiggy BLCK / One membership offering free delivery and extra restaurant discounts.
Swiggy HDFC Cashback Allocation
Cashback is calculated per billing cycle and automatically credited as Swiggy Money balance in your linked Swiggy account.
Eligibility Criteria for Swiggy HDFC Bank Credit Card
The following table illustrates the income-based and age-based underwriting criteria:
| Criteria | Salaried Employees | Self-Employed Individuals |
|---|---|---|
| Age | 21 – 60 Years | 21 – 65 Years |
| Income Proof | Net Monthly Income > ₹25,000 | ITR > ₹6,00,000 Per Annum |
| Credit Score (CIBIL) | 720+ recommended | |
How to Apply for Swiggy HDFC Bank Credit Card
Simple 4-step digital application process directly on the official issuer portal:
Check Eligibility
Click "Apply Now" to open the official bank application portal.
Enter Details
Provide your mobile number, PAN, and employment information.
Complete Video KYC
Verify your identity via paperless Aadhaar OTP or a quick 2-minute Video KYC.
Receive Card
Get instant virtual card access and physical card delivery within 5-7 working days.
CardIntel Score v1.1
Objective Card Quality Breakdown
CardIntel Score v1.1 measures structural card quality against a fixed ₹6 lakh annual benchmark. It evaluates 9 factors including Net Ownership ROI, without affiliate commission, editorial preference, or card slug heuristics.
2.66% effective benchmark return
Zero ownership cost with exceptional net return
No monthly or category ceilings
Rewards Catalogue
Domestic (0/5) + Intl (0/3) + Terms (0/2)
3.5% forex markup
Open retail availability
0 benefit pillars qualified
Zero material reward conditions (7/7 pts)
Why this score?
Solid reward return, exceptional net ownership ROI and unrestricted reward cap headroom. The score is reduced by the lounge access terms, forex markup and restricted redemption options.
You need to spend at least ₹37,500 per year (₹3,125/mo) on this card to fully recover its annual fee.
4-Layer Financial Intelligence
Card Economics & Net ROI
Evaluating real economic return after accounting for benchmark spending (₹6,00,000/yr), effective annual fee, and verified category caps.
Calculate Your Real Returns
What You'll Actually Earn
Calculated using CardIntel's deterministic reward rules, fee waivers, and merchant accelerated caps.
Frequently Asked Questions (FAQs)
Official guidance on applications, reward redemptions, credit limit assignments, and customer support.
To earn the accelerated 10% cashback, your Swiggy transaction (Food Delivery, Instamart, Dineout, Genie) must be ₹249 or greater. Orders below ₹249 earn the base 1% cashback.
Verified Bank MITC Provenance
All reward percentages, exclusions, and annual fee waiver rules for Swiggy HDFC Bank Credit Card are verified directly against official bank regulatory filings and Most Important Terms and Conditions (MITC).
CardIntel may earn referral fees from eligible application links. These fees never influence CardIntel Scores, rankings, or recommendations.
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