Swiggy HDFC Bank Credit Card Details: Features, Fees, and Who Should Consider It

Food delivery, groceries, and online shopping have become part of daily life. If you’re someone who orders online often, co-branded credit cards like the Swiggy HDFC Bank Credit Card are designed to help you earn cash back and rewards.

Here’s a full breakdown of this card — including cash back benefits, fees, eligibility, and key points to know before you apply.

Main Features at a Glance

• 10% cashback on:

  • Swiggy food delivery

  • Swiggy Instamart

  • Swiggy Dineout & Genie

• 5% cashback on:

  • Online spends across major platforms (Amazon, Flipkart, Nykaa, Myntra, etc.)

• 1% cashback on:

  • All other eligible spends

  • Exclusions-

    • Fuel, Rent, EMI, Wallet, Jewellery, Government Related Transactions

• Other Benefits

  • Complimentary Swiggy One Membership (3 months on card activation)

  • Zero lost card liability on reporting

  • Interest-free period of up to 50 days

  • Contactless payment enabled

  • Fuel surcharge waiver

  • Mastercard Golf Benefits

    • Access to golf courses worldwide

    • 12 free lessons per year

    • 4 complimentary rounds of green fees per calendar year

    • Discounted golf services at 50% of the green fee beyond complimentary sessions

Eligibility Criteria (Indian National)

• Age:

  • Salaried: 21-60 years

  • Self-employed: 21-65 years

• Income:

  • Salaried: ₹15,000+ (Net Monthly Income)

  • Self-employed: ₹6 lakh+ (Annual ITR)

Who Might This Card Be Right For?

This card could appeal to:

• Frequent Swiggy users (food, Instamart, Dineout, Genie)

• People who regularly shop on major online platforms

• Those looking for a low-fee card with targeted cashback

It may not be the best fit if food delivery isn’t a frequent expense or if broader lifestyle benefits matter more to you.

Fees & Charges

• Joining / Renewal Fee: ₹500 + GST

• Renewal fee waiver: Spend ₹2,00,000+ in a year (cash on call, balance transfer, and cash withdrawal excluded)

• Smart EMI Facility: Convert large purchases into EMIs (nominal charges apply)

What Do You Think?

👉 Do you use any co-branded or cash back cards?
Reply me in comments — would love to hear from you!

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