HDFC Bank Swiggy HDFC Bank credit card
HDFC Bank× SwiggyMastercardCashback

Swiggy HDFC Bank credit card

10% on Swiggy, 5% on Amazon, Flipkart, Myntra and other online spends.

40
Personal score40/100● Weak fit
Recurring net savings₹5,954/yrafter fee, GST and caps · bills paid in full
First-year value₹5,764incl. ₹400 welcome, ₹590 joining fee
Effective savings rate1.8%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Waived ₹590waiver at ₹2,00,000 spend
Lounge access✈ noneyou can use 0 of your visits
PersonaliseOfficial page ↗

Source: HDFC Bank – Swiggy HDFC Bank Credit Card · last reviewed 2026-09-12

Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail
₹2,520/yr5% on Amazon, Flipkart, Myntra, Uber, Ola,…
Waived₹590 fee
0/2lounge visits covered
₹36,000earns nothing (fuel)

! No usable lounge access although you asked for it.

Where the money comes from

₹5,954/yr · 1.8%
5% on Amazon, Flipkart, Myntra, Uber, Ola,…on ₹50,400₹2,520
1% on other spendson ₹1,75,440₹1,754
10% on Swiggy (food, Instamart, Dineout)on ₹16,800₹1,680
Excluded categories (no rewards)on ₹84,000₹0

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How ₹5,954/yr is calculated
Swiggy HDFC Bank
+ Reward value on your spendat ₹1/Cashback realistic value
₹5,954
+ Annual fee incl. 18% GSTwaived – ₹590 at ₹2,00,000 spend
₹0
= Recurring net savings
₹5,954/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards
₹3,26,640
= Effective savings rate
1.8%

How the score of 40 is built

weights total 100% · methodology
Net savings rate37/100 × 55%20.3
Usable lounge access0/100 × 15%0.0
Redemption flexibility100/100 × 10%10.0
Lifestyle fit0/100 × 10%0.0
Simplicity100/100 × 5%5.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

This card has no complimentary lounge access. Find cards that get you in →

What changed on this card

  1. New feeHDFC Bank

    HDFC Bank: 1% fee on rent, high utility and gaming spends; insurance reward caps

    From 1 July 2025 HDFC cards charge 1% (capped at ₹4,999 a month) on rent payments, on all utility transactions once monthly utility spend crosses ₹50,000 on personal cards, and on online skill-based gaming above ₹10,000 a month (gaming also earns no points). Insurance reward points are capped at 10,000 a month on Infinia, 5,000 on Diners Black and 2,000 on other cards.

    Cards: Infinia Metal, Diners Club Black Metal, Regalia Gold, Regalia, Millennia, Swiggy HDFC Bank, Tata Neu Infinity HDFC Bank, Tata Neu Plus HDFC Bank +10 more · Source: Business Standard – HDFC credit card users alert: new fees, reward caps from July 1 · verified 2026-09-19

All credit card changes →

Card facts

💳 Base earn1%value on eligible spend
⚡ Accelerated10% 10% on Swiggy 5% 5% on Amazon, Flipkart,…1% 1% on other spends
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ Fees₹590/yr incl. GSTwaived on ₹2,00,000 spend · joining ₹500
🎁 Welcome (year 1)≈ ₹4003-month Swiggy One membership
🏁 Milestonesnone
✈️ Lounge✈0 dom🌏0 intlNone
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹1/Cashback ★★★★★Credited as Swiggy Money / statement cashback automatically.
🧩 Simplicity★★★★★set and forget
🎯 Lifestyleott
🪪 EligibilityIncome ₹4L+/yr or ₹25k+/month salary

At a glance

  • 10% on Swiggy up to ₹1,500 a month
  • 5% on major e-commerce apps
  • Automatic cashback – nothing to redeem
  • No lounge access
  • No rewards on bills, insurance or fuel
  • Caps bite for heavy spenders

Compare Swiggy HDFC Bank with

Community Q&A on the Swiggy HDFC Bank

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the Swiggy HDFC Bank?

Joining fee ₹500 and renewal fee ₹500, plus 18% GST (₹590 a year). The renewal fee is waived if you spend ₹2,00,000 in the card year.

Does the Swiggy HDFC Bank give airport lounge access?

No lounge access. None.

How much can I save with the Swiggy HDFC Bank?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹5,954 a year, an effective savings rate of 1.8% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Swiggy HDFC Bank's reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. 10% on Swiggy (food, Instamart, Dineout): capped at ₹1,500 a month; 5% on Amazon, Flipkart, Myntra, Uber, Ola, Nykaa & more: capped at ₹1,500 a month; 1% on other spends: capped at ₹500 a month

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: Swiggy HDFC Bank lounge access by airport · all HDFC Bank cards · change log.