HDFC

HDFC Bank Swiggy Credit Card

Good for Swiggy purchases.

HDFC VISA

Swiggy

Should you get this?

Conditional fit

Verified

Why this card

Up to 10% on Swiggy
You can comfortably spend ₹2,00,000 a year on the card.
You spend on swiggy.

Issuer evidence · 3 sources →

Trade-off

The annual fee (₹500) is waived only after ₹2,00,000 of eligible annual spend.

Annual fee ₹500 per year

Base cashback 1%

Lounge access 0 no lounge

Forex markup 3.5% high

Compare with Axis Bank IndiGo →

Similar tier comparison

Rewards

Earning rules

Detail · from the summary above

General spend1%₹500 per month

Swiggy (domestic)10%₹1,500 per month; then 1% base

Online shopping5%online only₹1,500 per month

Redemption value

What a Cashback is worth

Cashback₹1 / pt

Annual fee break-even math

When does this card pay for itself

₹50K

Conservative yearly spend needed at base cashback rates.

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Verified value

₹1 per point

Cashback

Base earn

1% base cashback

Best verified lane

Swiggy (domestic)

10%

View bonus categories →

Caps

Swiggy (domestic)₹1,500 per month
Why?
then 1% base
Online shopping₹1,500 per month
General spend₹500 per month

View full earning rules →

No reward on

These spends do not earn cashback: Rent
Government payments
Fuel
EMI
+4 more

See earning rules →

Costs & fees

Spending requirements

Spend gates · caps · milestone thresholds

Annual fee waiver₹2,00,000yearAnnual fee waiverreasonablestrong

Watch outs

Before choosing this card

Forex markup is 3.5%, so frequent international spends may be costly.

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: ~₹500/month back (base earn · uses base/general earn rate; partner and category bonuses not included)
~₹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 facts

Benefits

Lounge Access

Domestic (cardholder): No complimentary lounge access

Single source · verify on issuer site

Where to verify

Operator-verified anchor
International (cardholder): Not included

Single source · verify on issuer site

Where to verify

Operator-verified anchor

Rewards

Base cashback: 1% base cashback
Reward type: Cashback
Point validity: Points expire 2 years after earning · verified 7 Jul 2026

Fees & charges

Fees

Monthly interest rate: 3.75% / month
Annual fee: ₹500
Joining fee: ₹500 · verified 30 Jun 2026
Fee waiver spend: ₹2,00,000 · verified 30 Jun 2026 Near catalog median waiver (₹2,00,000 vs ₹2,00,000).
Interest-free period: Up to 50 days · verified 7 Jul 2026

International Use

Forex markup: 3.5%

Single source · verify on issuer site

Where to verify

Operator-verified anchor
Product tier: Mid-tier

Travel & perks

Fuel Benefits

At the pump

No fuel surcharge waiver is available on this card.
Fuel transactions do not earn cashback.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits

The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

Monthly cap:₹500 per month.
Monthly cap:₹1,500 per month.
After a category cap is reached, further spends earn the base rate.

Exclusions: 8

These spends do not earn cashback.

Payments

Rent
Government payments

Financial

Fuel
EMI
Wallet loads

Shopping

Online gaming
Liquor
Swiggy Minis

Latest update

Annual fee: ₹500.
Forex markup currently listed at 3.5%.
No complimentary lounge access.

Common questions

From verified card facts

Is this good for lounge access?

No lounge access.

Is this good for international spends?

Forex markup is 3.5%, so frequent international spends may be costly.

Is the annual fee easy to recover?

Fee waiver applies at ₹2,00,000 annual spend. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

Issuer lists a welcome benefit Complimentary 3-month Swiggy One membership. Included items: Swiggy One — Complimentary 3-month Swiggy One membership on activating the card within 30 days of issuance. ~₹1,199 value per the issuer savings chart (membership, not a cash voucher).. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Learn

Learn more

Guides matched to this card — not a random syllabus.

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