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Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

HDFC Swiggy

Great Rewards
Wide Acceptance
100% Digital & Secure

Eligibility Criteria

Applicant must be an Indian resident
Age: 21 to 60 years (Salaried)
Age: 21 to 65 years (Self-Employed)
Salaried or Self-Employed Individual
Minimum Monthly Income: ₹15,000 (Salaried)
Self-Employed Income: ₹6 Lakh Annual ITR or above
Good CIBIL Score (750+ preferred)

Features & Benefits

10% Cashback on Swiggy (Food Delivery, Instamart, Dineout & Genie)
5% Cashback on Select Online Spends across eligible merchants
1% Cashback on Other Eligible Transactions
Complimentary 3-Month Swiggy One Membership on card activation
Cashback is automatically adjusted against the credit card statement
Contactless payment enabled
Smart EMI facility available on eligible purchases
Ideal for Food Delivery, Grocery Shopping & Online Spending 

Fees & Charges

Joining Fee: ₹500 + GST
Annual Fee: ₹500 + GST
Joining Fee: ₹500 + GST
Annual Fee: ₹500 + GST
Annual Fee Waiver: Spend ₹2,00,000+ per year before renewal date
Interest-Free Period: Up to 50 Days
Forex Markup: 3.5%
Cash Advance Fee: 2.5% of withdrawal amount (Minimum ₹500)
Late Payment Charges: As per HDFC Bank policy

Documents Required

PAN Card (Mandatory)
Aadhaar Card / Passport / Driving Licence
Address Proof
Income Proof (Salary Slip / ITR / Form 16)
Bank Statements (Last 3–6 Months)
Passport-size Photograph (if required)

FAQs

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The card offers 10% cashback on Swiggy spends, 5% cashback on eligible online merchants, and 1% cashback on other eligible spends.

Yes, the annual fee is waived if you spend ₹2 lakh or more in a year.

Yes, eligible cardholders receive a complimentary 3-month Swiggy One Membership.

Cashback is credited directly against the credit card statement.

Users who frequently order food, groceries, and spend online through Swiggy and other e-commerce platforms. 

Terms & Conditions

Cashback is available only on eligible merchant categories and transactions.
Categories such as rent, fuel, insurance, wallet loads, government payments, EMI transactions and certain other spends may be excluded from cashback calculations.
Annual fee waiver is applicable on spending ₹2 lakh or more in a membership year.
Approval is subject to HDFC Bank credit assessment and eligibility criteria.
Benefits, cashback rates and charges may change as per bank guidelines. 

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Card At A Glance
Joining Fee ₹500 + GST
Annual Fee ₹500 + GST
Rewards 10% Cashback on Swiggy (Food Delivery, Instamart, Dineout & Genie)
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type HDFC BANK