INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official hdfcbank.com (HDFC Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️HDFC Bank Ltd.Network: MastercardShopping & Rewards CardsLast Verified: 2026-09-28

HDFC Swiggy Credit Card

एचडीएफसी स्विगी क्रेडिट कार्ड

Premier dining and quick-commerce card delivering 10% cashback on Swiggy Food and Instamart, plus 5% on 1,000+ top e-commerce websites.

Annual Fee₹500 + GST (Renewal: ₹500 + GST)

Reward Rate10% Cashback on Swiggy application spends (Food Delivery, Instamart grocery, Dineout restaurant bills, Genie) capped at ₹1,500 per month. 5% Cashback on 1,000+ top online shopping websites (Amazon, Flipkart, Myntra, Nykaa, Zara, Nike) capped at ₹1,500 per month. 1% Cashback on other retail spends (capped at ₹500/mo).

Airport LoungeNo complimentary airport lounge access is included on this food-and-grocery focused lifestyle card.

Forex Markup3.50% + GST on foreign currency transactions.

What Is This Card

HDFC Swiggy Credit Card is India's leading co-branded food delivery and quick-commerce credit card. Built for urban consumers who rely daily on Swiggy Food and Instamart, it offers a lucrative 10% direct cashback on Swiggy and 5% across major online shopping portals.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹500 + GST (Renewal: ₹500 + GST)

Fee Waiver: Spend ₹2,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.

🎁Welcome Benefit

Complimentary 3-month Swiggy One membership credited within 30 days of card issuance and activation.

⚡Reward Points Structure

10% Cashback on Swiggy application spends (Food Delivery, Instamart grocery, Dineout restaurant bills, Genie) capped at ₹1,500 per month. 5% Cashback on 1,000+ top online shopping websites (Amazon, Flipkart, Myntra, Nykaa, Zara, Nike) capped at ₹1,500 per month. 1% Cashback on other retail spends (capped at ₹500/mo).

Redemption Value: Cashback is automatically credited as Swiggy Money into the linked Swiggy account or adjusted as statement credit on the card.

🛫Airport & Railway Lounge Access

No complimentary airport lounge access is included on this food-and-grocery focused lifestyle card.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Standard fraud liability cover up to credit limit under zero lost card liability.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000 (maximum waiver of ₹250 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Annual fee reversal on ₹2,00,000 annual spend. Free Swiggy One benefits across food delivery and Instamart grocery.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

10% cashback on Swiggy is capped at ₹1,500 per calendar month. 5% online shopping cashback also has a ₹1,500 monthly ceiling. No airport lounge access. Spend waiver requires ₹2 Lakhs spend on a ₹500 annual fee card.

Forex Markup Fee3.50% + GST on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹500 (whichever is higher) + 3.60% monthly finance charges.

Finance Charges (Interest)3.60% per month (43.20% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).

Reward Points ExpirySwiggy Money cashback validity adheres to Swiggy wallet terms (typically 12 months from credit).

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried Indian individuals aged 21 to 65 with monthly salary exceeding ₹25,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹6,00,000.

Age Requirement21 to 65 Years

Minimum Income₹25,000/month (Salaried) / ₹6,00,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 720+ is standard. Frequent Swiggy users often receive instant in-app pre-approved banners.

SBI RelationshipNot mandatory. Open to all qualifying Indian citizens.

How to Apply (Official Procedure)

Online Digital Application Flow

1Open the Swiggy mobile app and tap on the 'Swiggy HDFC Bank Credit Card' banner.

2Enter PAN and basic personal details for instant in-principle approval.

3Select preferred billing cycle and enter employment details.

4Confirm current residential address for card dispatch.

5Complete online Video KYC session with bank official.

6Digital card linked immediately in Swiggy app; physical card dispatched within 3 business days.

Branch Application for Offline Applicants

Apply at any HDFC Bank branch by submitting PAN, Aadhaar, salary slip, and a passport-size photo.

Visit Official Card Page (hdfcbank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips and 6 months' bank statements OR Latest ITR with Computation Sheet

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on HDFC Swiggy Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on HDFC Swiggy Credit Card into EMI?

Yes, HDFC Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on HDFC Swiggy Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into HDFC Bank Ltd.'s official mobile banking application or web portal. Cashback is automatically credited as Swiggy Money into the linked Swiggy account or adjusted as statement credit on the card. Please note: Swiggy Money cashback validity adheres to Swiggy wallet terms (typically 12 months from credit).

What is the interest-free grace period on HDFC Swiggy Credit Card and how does it work?

The interest-free period on HDFC Swiggy Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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