HDFC
HDFC Bank Swiggy Credit Card
Standard card · No lounge access · fee waiver achievable around ₹2L annual spend · 3.5% forex markup.
- Moderate rewards 1% on General spend
- Low annual fee ₹500 annual fee
Annual fee ₹500 per year
Forex markup 3.5% high
Lounge access 0 no lounge
Rewards / ₹100 1% base cashback
At a glance
Snapshot · usage · fitFast facts
- Annual fee
- ₹500
- Joining fee
- ₹500
- Forex markup
- 3.5%
- Lounge access
- No lounge access
- Reward rate
- 1% cashback
What you'd do with it
- Less suited to international transactions because forex markup is 3.5%.
Best for
- Low annual fee
Not the best for
- High forex markup (3.5%)
- No domestic lounge access
Still worth it?
Evidence-backed snapshotGood fit if
- Annual fee is relatively low at ₹500.
- Fee waiver is on file at ₹2,00,000 annual spend.
- Reward earn and value are both on file.
Watch out for
- Forex markup is 3.5%, so frequent international spends may be costly.
- No lounge access is on file.
Verify before applying
- Welcome benefit timing and claim process.
- Lounge spend criteria, guest rules, and visit caps.
- Annual fee waiver terms and eligible spend exclusions.
- Issuer fees, GST, finance charges, and late-payment terms.
- Reward exclusions, caps, redemption value, and voucher timelines.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~₹500/month (base rewards)
- ~₹6,000/year back · net +₹5,500 after ₹500 fee
- Fee waiver achievable at this spend
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic visits
- No lounge access
- International visits
- Not available in current snapshot
Rewards
- Points per ₹100
- 1 pts
- Effective earn
- 1% cashback
Fees & charges
Fees
- Monthly interest rate
- 3.6% / month
- Annual fee
- ₹500
- Joining fee
- ₹500
- Fee waiver spend
- ₹2,00,000
International Use
- Forex markup
- 3.5%
- Product tier
- Standard
Annual fee break-even math
When does this card pay for itself ₹50K
yearly spend to offset ₹500 fee
At base earn rates, you need roughly ₹50K in yearly spend to offset the ₹500 annual fee.
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · sources · last refresh- Card facts refreshed on 5 June 2026.
- Annual fee on file: ₹500.
- Forex markup currently listed at 3.5%.
- No lounge access is on file in the latest refinery snapshot.