Swiggy HDFC Bank Credit Card

10% back across eligible Swiggy spends

Swiggyfood deliveryonline shopping

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Original 9cards illustration—not issuer-supplied artwork.

Annual fee₹500 + taxes*

Fee waiverRenewal fee waived on ₹2,00,000 of eligible annual spend.

Card typeFood & online

NetworkMastercard

In one line

10% on eligible Swiggy food, Instamart and Dineout spends capped at ₹1,500 a billing cycle, 5% on eligible online spends capped at ₹1,500, and 1% on other eligible spends capped at ₹500.

Where it earns its place

+Food, Instamart and Dineout in one accelerated tier
+Useful cashback tier for other eligible online spends
+Straightforward statement cashback

What to watch

!Since 21 April 2026 a transaction must be ₹249 or more to earn the 10% rate; 5% and 1% still need ₹100
!Tier caps of ₹1,500, ₹1,500 and ₹500 a billing cycle apply separately
!Fuel, rent, jewellery, government spends, gift cards, wallet loads, EMI, SmartPay and SmartBuy are excluded
!Swiggy Money wallet loads, Swiggy Liquor and Swiggy Minis do not earn the 10% rate

Primary source

HDFC Bank product page

Last checked 20 August 2026. Issuer pages and schedules can change without notice.

Open source ↗

9cards is independent. We are not affiliated with, endorsed by or sponsored by this issuer, and nothing here is issuer-supplied. Names and product marks are used for identification only and belong to their owners. Always confirm current terms on the issuer's own site.

10% on eligible Swiggy food, Instamart and Dineout spends capped at ₹1,500 a billing cycle, 5% on eligible online spends capped at ₹1,500, and 1% on other eligible spends capped at ₹500.

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