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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

10% Swiggy cashback5% on online spendsSwiggy One membership

Annual fee

₹500

Top rate

10%

Min income

₹25,000/mo

Eff. return

0.98%

Realistic net value (moderate user): ₹4,690/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.

10% Swiggy cashback
5% on online spends
Swiggy One membership

Source: Issuer public T&Cs

🛒Shopping Partners

Amazon, Flipkart & co-branded accelerators

Reward Structure

Source: Issuer public T&Cs

dining

10%

Cap: ₹1,500/mo

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

online shopping

Cap: ₹1,500/mo

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

Excluded categories (no rewards)

EMIRentWallet loads

What You Actually Earn (in ₹)

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

Gross rewards / year

₹5,820

Before fees & forex

Costs / year

₹1,130

Fee ₹500 + forex ₹630

Net value / year

₹4,690

0.98% effective return on spend

Category-wise breakdown

Dining & food delivery

Spend ₹4,000/mo · 10% cashback

₹1,800/year

₹150/mo

₹1,500 × 10% = ₹150/moCap hit at ₹1,500/mo — extra spend earns less

Online shopping

Spend ₹10,000/mo · 5% cashback

₹900/year

₹75/mo

₹1,500 × 5% = ₹75/moCap hit at ₹1,500/mo — extra spend earns less

All other eligible spends

Spend ₹26,000/mo · 1% cashback

₹3,120/year

₹260/mo

₹26,000 × 1% = ₹260/mo

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

→Food delivery favourite

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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

Charged every year unless waived

₹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+ ₹5,820

Annual fee− ₹500

Forex cost− ₹630

Net annual value₹4,690

Eligibility Snapshot

Public criteria from Issuer public T&Cs. 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 ₹5,820/year. After the ₹500 annual fee, net value is approximately ₹4,690/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, Rent, Wallet loads.

Does CardHungry pull my CIBIL score?+

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