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HDFC BankGold

Swiggy HDFC Bank Credit Card

•••• •••• •••• 4242

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Quick facts

Swiggy HDFC Bank Credit Card

Top reward10%

Annual fee₹500

Min income₹25,000/mo

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🛒Shopping Partners

HDFC Bank · Gold tier

Swiggy HDFC Bank Credit Card

Maximize Swiggy, Instamart and dining spends.

Key Benefits

Swiggy / Instamart: 10% (cap ₹1,500/mo cashback)Online spends: 5% (cap ₹1,500/mo cashback)Other spends: 1%Annual fee waiver at ₹2,00,000 yearly spend

Annual fee

₹500

Top rate

10%

Min income

₹25,000/mo

Eff. return

2.53%

Realistic net value (moderate user): ₹12,150/year

After ₹500 fee & ₹630 forex. Based on ₹40,000/mo spend.

12,400 users matched · Verified 2026-06-12

You apply directly with the bank. If you share your contact details on their form, the bank may call you. We never sell your data or make sales calls.

We earn commission if approved — at no cost to you. Zero sales calls.

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Our transparency commitment

✓ Reward caps shown in absolute ₹ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ₹/point rates

Rates, fees, and eligibility notes are sourced from public issuer information and may contain errors. Always verify on the bank's website before applying.

All Benefits

Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.

Swiggy / Instamart: 10% (cap ₹1,500/mo cashback)
Online spends: 5% (cap ₹1,500/mo cashback)
Other spends: 1%
Swiggy One membership
Annual fee waiver at ₹2,00,000 yearly spend
Best for: Swiggy & Instamart users
Best for: Food delivery heavy spenders

Source: HDFC Swiggy Card T&Cs (Jun 2026)

🛒Shopping Partners

Amazon, Flipkart & co-branded accelerators

Reward Structure

Source: HDFC Swiggy Card T&Cs (Jun 2026)

Swiggy / Instamart

10%

Cap: ₹1,500/mo cashback

Example: ₹1,500/mo spend → ≈ ₹150/mo (max at cap)

Online spends

Cap: ₹1,500/mo cashback

Example: ₹1,500/mo spend → ≈ ₹75/mo (max at cap)

Other spends

Example: ₹10,000/mo spend → ≈ ₹100/mo

Excluded categories (no rewards)

EMIFuelRentWallet loads

Fee waiver at

₹2,00,000 annual spend

What You Actually Earn (in ₹)

Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

₹12,780

Before fees & forex

Costs / year

₹630

Fee ₹0 + forex ₹630

Net value / year

₹12,150

2.53% effective return on spend

Category-wise breakdown

Dining & food delivery (Swiggy only)

Spend ₹4,000/mo · 10% cashback

₹4,800/year

₹400/mo

₹4,000 × 10% = ₹400/mo

Online shopping (Swiggy, Instamart only)

Spend ₹10,000/mo · 5% cashback

₹6,000/year

₹500/mo

₹10,000 × 5% = ₹500/mo

All other eligible spends

Spend ₹16,500/mo · 1% cashback

₹1,980/year

₹165/mo

₹16,500 × 1% = ₹165/mo

Fee waiver likely: Your ₹4,80,000/yr spend exceeds the ₹2,00,000 waiver threshold.

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

Best for

→Swiggy & Instamart users
→Food delivery heavy spenders

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Fees & Charges — Full Disclosure

All amounts in INR. Everything that can reduce your net value.

Joining fee

Charged in first year

₹500

Annual / renewal fee

Waived on ₹2,00,000 annual spend

₹500

Forex markup

3.5% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

₹400–₹1,300 depending on statement balance — always pay on time

Reward redemption fee

Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee

Example: moderate user net math

Gross rewards+ ₹12,780

Annual fee− ₹0

Forex cost− ₹630

Net annual value₹12,150

Eligibility Snapshot

Public criteria from HDFC Swiggy Card T&Cs (Jun 2026). Bank makes final decision.

Minimum age21–60 years

Min income (salaried)₹25,000/mo

Min income (self-employed)₹3,00,000/year

Employment acceptedsalaried, self employed

Credit historyNo minimum stated

CIBIL checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierGold — mid-tier mass premium

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with Swiggy HDFC Bank Credit Card?+

At moderate spend (₹40,000/mo), gross rewards are about ₹12,780/year. After the ₹500 annual fee, net value is approximately ₹12,150/year. Use the calculator above to model your own spends.

What is the minimum income for Swiggy HDFC Bank Credit Card?+

₹25,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

EMI, Fuel, Rent, Wallet loads.

Does CardHungry pull my CIBIL score?+

No. We use public eligibility criteria only. The bank will check CIBIL when you apply.

How do I get the annual fee waived?+

Spend ₹2,00,000 in a calendar year to get the ₹500 renewal fee reversed.