HDFC Bank Swiggy Credit Card Review: Is It Helpful for You?

HDFC Bank designed the Swiggy Credit Card for foodies and frequent online shoppers. Enjoy 10% instant cashback and 5% cashback on online shopping platforms.
Co-branded with Swiggy, this card targets millennials who rely heavily on food delivery apps, appreciate cashback and prefer not to pay steep annual fees. But is it really helpful for you? We will search for the answer together…

HDFC Bank Swiggy Credit Card Recap

Reward Points	Up to 10%
Joining Charge	Rs. 499 + GST
Welcome Benefit	Swiggy One Membership for 3 months
Renewal Fee / Annual Fee	Rs. 499 + GST
Renewal Fee waiver	Spend 2 Lakhs yearly

Features of Swiggy HDFC Credit Card

10% cashback on Swiggy: This includes food delivery, Instamart, and Dineout — all under the Swiggy umbrella.

5% cashback on popular platforms: Earn 5% on Amazon, Flipkart, Myntra, Nykaa, and others. This covers most daily shopping needs.

1% cashback on Other Spends: All others spend get a flat 1% cashback, which is credited as Swiggy Money.

Annual fee: ₹500 + taxes. Waived on spending ₹2 lakh annually.

Instant virtual Card: The card is issued instantly and can be used immediately on the Swiggy app.

Swiggy One Membership: Enjoy complimentary Swiggy One membership for 3 months through HDFC Swiggy Credit Card. If you are an existing Swiggy One member, you can extend for 3 months.

Golf Benefits: The Swiggy HDFC Credit Card which is included on the Mastercard World platform offers 12 free golf courses per year.

HDFC Bank Swiggy Credit Card Fees & Charges

Joining Charge	Rs. 499 + GST
Renewal Fee / Annual Fee	Rs. 499 + GST
Renewal Fee waiver	Spend 2 Lakhs yearly

Also Read: Can you get a personal loan with 13000 salary?

Who should use the HDFC Swiggy Card?

This card makes it worth it if:

• You use Swiggy multiple times a week.
• You shop frequently on Amazon, Flipkart, or Myntra.
• You enjoy rewards & cashback every day.

Pros and Cons of HDFC Swiggy Credit Card

Pros

High-value cashback: 10% back on Swiggy is one of the best rates in the food delivery category.

Wider Range of Cashback: 5% on big-name platforms makes this card more than just a food-focused product.

Swiggy Money credit: Cashback is in the form of Swiggy Money, usable across Swiggy services.

Quick approval: Instant digital approval through the Swiggy app streamlines the process.

Cons

Swiggy Money limitations: Cashback is locked into the Swiggy ecosystem. If you don’t use the app regularly, the value drops.

No airport lounge access: This card does not offer airport lounge access. This is one of the drawbacks.

Low universal cashback: 1% on all other spends isn’t competitive if you’re looking for a general-purpose credit card.

Limited offline use: Reward points are limited for offline users.

FAQs