Application status unresolved
Sources disagree on whether this card is still accepting new applications — verify directly with the bank before applying.
Swiggy HDFC Bank Credit Card
HDFC Bank
The obvious pick for heavy Swiggy users — direct cashback on the platform itself.
₹500
Joining fee
₹500, waived at ₹2L spend
Annual fee
Waived on Rs 2 lakh annual spend; a lifetime-free (LTF) status is sometimes granted at the bank's discretion based on profile evaluation, not guaranteed by Swiggy usage alone.
3.5%
Forex markup
4.1 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Key features
- Accelerated cashback on Swiggy transactions
- 3-month Swiggy One welcome membership
- Fuel surcharge waiver
Reward details
1% cashback on all other spends, uncapped
- 10% cashback on Swiggy (Food, Instamart, Dineout, Genie) — Rs 1,500/month
- 5% cashback on Online shopping — Rs 1,500/month
Redemption
Cashback
- 3-month complimentary Swiggy One membership; golf benefit of 12 free lessons/year; runs on Mastercard World network
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Generally positive sentiment, with the 10% Swiggy cashback specifically well-liked — CardExpert
Complaints
- Some users reported inconsistent eligibility for the 5% online-shopping cashback tier, attributed to merchant category code (MCC) classification issues at various online retailers — CardExpert
Sources
- Aggregator — discontinuation status
- Aggregator — fees, eligibility, forex, lounge, rewards, sentiment
- Aggregator — successor product context