Swiggy HDFC Bank Credit Card

HDFC Bank · ₹500 a year · fee waived on ₹2,00,000 of annual spend

Best for regular Swiggy users, with a solid 5% on online shopping too.

Base rate: 1% cashback.

What the bank says

• 10% cashback on Swiggy food, Instamart, Dineout and Genie, up to ₹1,500 a month
• 5% cashback online on apparel, electronics, department stores, personal care, cabs, home décor, pharmacies and entertainment, up to ₹1,500 a month
• 1% cashback on other spends
• Renewal fee waived on annual spends of ₹2 lakh

Where it pays more

• 10% on the Swiggy app, up to ₹1,500 a month
• 5% on online shopping in eligible categories, up to ₹1,500 a month

Things that catch people out

• We assume 60% of your food delivery is on Swiggy.
• The 1% on other spends is capped at ₹500 a month.
• No cashback on fuel, rent, EMI, wallets, jewellery or government payments.

Joining fee: ₹500. Foreign currency markup: not published.

Read from HDFC Bank’s own page on 2026-09-16.

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