What is the annual fee for HDFC Swiggy Credit Card?

Annual fee for HDFC Swiggy Credit Card is ₹500 + GST, waived on ₹200K+ annual spend.

What is the reward rate on HDFC Swiggy Credit Card?

HDFC Swiggy Credit Card offers 1% cashback on general spends.

Minimum income for HDFC Swiggy Credit Card?

Minimum income required is ₹3.6 lakh per year.

Overview

Rewards

Fees

Score

Verdict

HDFC Swiggy Credit Card Review 2026 — Rewards, Fees & Benefits | CardGenie | CardGenie

🔥 PopularVisa

HDFC Bank

HDFC Swiggy Credit Card

Best food delivery card — 10% on Swiggy + Instamart

Annual Fee

₹500

Reward

1% cashback

GenieScore

42/100

Expert

4.1/5★

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About this Card

HDFC Swiggy Credit Card is the ultimate card for Swiggy power users. 10% cashback on all Swiggy food orders and Instamart grocery deliveries with no cap makes it the highest food delivery reward rate in India. The complimentary Swiggy One membership worth ₹1,199/year is an added bonus that alone nearly covers the annual fee.

Key Features

🏆

10% cashback on Swiggy food orders (no cap)

✈️

10% on Swiggy Instamart groceries

💰

5% cashback on all other online spends

🎁

Complimentary Swiggy One membership worth Rs.1,199/year

⚡

Fee waived on Rs.2L annual spend

Pros

✓10% cashback on Swiggy food orders — no monthly cap

✓10% on Swiggy Instamart groceries and quick commerce

✓5% cashback on all other online spends

✓Complimentary Swiggy One membership worth ₹1,199/year

✓Annual fee waived at ₹2L spend

✓1% on offline spends — covers all scenarios

Cons

✗Highly specific — only exceptional for Swiggy users

✗0% on UPI payments

✗No lounge access

✗5% online cashback is good but not exceptional vs SBI Cashback Card

✗Cashback has monthly caps on 5% category

Quick Specs

💳Card TypeCashback

🌐NetworkVisa

💰Annual Fee₹500 + GST

🎯Base Reward1% cashback

✈️LoungeNot included

📱UPI RewardsNot available

🌍Forex3.5% + GST

⛽Fuel WaiverNot available

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Community Sentiment

POSITIVE

Positive

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