HDFC Swiggy
HDFC Bank · Cashback · Swiggy Money
This comprehensive guide covers the HDFC Swiggy's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The HDFC Swiggy from HDFC Bank offers cashback rewards credited as Swiggy Money at 10% (up to ₹1,500 per cycle). Top earning categories include 10% on swiggy and more. Annual fee is ₹500 (waived above inr 200,000 annual spend).
Best for: Swiggy · General Online, Online Retail, Electronics Accessories, Travel
Top Merchants
Reward Examples
Spend ₹10,000 on Swiggy → earn ₹1,000 (10%) · 10% on Swiggy
Spend ₹1,000 on General online → earn ₹50 (5%) · 5% on online spends
Official product page → Official rules →
Waiver: Waived above INR 200,000 annual spend
Reward Rules
- 10% 10% on Swiggy (cap: ₹1,500)
- 5% 5% on online spends (cap: ₹1,500)
- 1% 1% on other spends (cap: ₹500)
Important Notes
- Rent, utilities, fuel, insurance, EMI and government spends are excluded.
🎁 Apply with referral — Earn up to ₹2,500
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
HDFC Swiggy vs Similar Cards
- Airtel Axis — 25% top rate · ₹500
- Amazon Pay ICICI — 5% top rate · ₹0
- AU Bank LIT Credit Card — 5% top rate · ₹499
Maximize Your Rewards
To earn the highest rewards, use the HDFC Swiggy for its bonus categories: General Online, Online Retail, Electronics Accessories, Travel.