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Swiggy HDFC Bank Credit Card

Swiggy HDFC Credit Card is ideal for those who love to order out or dine out regularly. The card offers 10% cashback on Swiggy app, 5% on online spending at online customer centers and 1% on all other categories. After activating the card, you will also get free membership of Swiggy One for 3 months. The Swiggy HDFC Bank Credit Card comes with a joining and renewal fee of just Rs. 500 plus applicable charges which can be waived by paying a surcharge of Rs. 2,00,000 or more one year before the card renewal date.

Key Highlights of Swiggy HDFC Bank Credit Card

The key highlights of the Swiggy HDFC credit card are given below:

Joining fee Rs. 500 + applicable charges
Annual fee Rs. 500 + applicable charges
Benefits  Cashback on all spends, complimentary Swiggy one membership, spend-based renewal fee waiver, etc. 
Cashback 10% on the Swiggy app, 5% on online spending across online MCCs & 1% on other categories
Welcome benefits Complimentary Swiggy one membership for 3 months on card activation 
Foreign currency transaction fee 3.5% of the transaction value
Age 21 - 60 years for salaried & 21- 65 years for self-employed
Net Monthly Income Above Rs. 25,000 for salaried & ITR of above Rs. 6 Lakhs p.a. for self-employed 

Features & Benefits of HDFC Swiggy Credit Card

HDFC Swiggy Credit Card offers the following features and benefits:

Welcome Benefits

  • Complimentary Swiggy One Membership for 3 months.
  • This benefit can be availed of only on credit card activation as per the latest RBI guidelines.
  • You can activate the card by making a transaction using the card.


  • 10% cashback on Swiggy application food ordering, Instamart, Dineout & Genie.
  • Exclusions for 10% cashback include Swiggy Money Wallet, Swiggy Liquor, Swiggy Minis & any other category decided later (if any). 
  • 5% cashback on online spending across online MCCs. 
  • Inclusions for 5% cashback include apparel, department stores, electronics, entertainment, home decor, pharmacies, personal care, local cabs, online pet stores & discount stores.
  • Gift cards and groceries purchased on the 5% eligible merchants & MCCs won’t earn any cashback. 
  • 10% and 5% cashback have a capping of Rs. 1,500 per billing cycle.
  • 1% cashback on other categories. 
  • Exclusions for the 1% cashback category include fuel, rent, EMI, wallet, jewellery, and government-related transactions. 
  • 1% cashback has a capping of Rs. 500 per billing per cycle.
  • Swiggy Money expires after 1 year of earning the cashback.

Smart EMI Facility

  • Convert large purchases on your HDFC Bank Swiggy credit card into Smart EMI for stress-free repayments.
  • Eligible purchases for SmartEMI include insurance, groceries, medical, petrol, utility, apparel, education, electronics and travel.
  • Any gold and jewellery-related transaction is not eligible for conversion into SmartEMI.
  • You can choose from a flexible tenure of 6 to 24 months.
  • A processing fee of Rs. 499 + GST is applied.

Other Benefits

  • Zero lost card liability in the unfortunate event of losing your Swiggy HDFC Bank Credit Card. Report the loss immediately to HDFC Bank’s 24-hour call centre to avail of the benefit.
  • Up to 50 days of interest-free credit period ?from the date of purchase.
  • Revolving credit is available at a nominal interest rate.
  • This card is enabled for contactless payments (allowed for a maximum of Rs. 5,000 for a single transaction), facilitating fast, secure and convenient payments at retail outlets.
  • Balance Transfer on EMI is available at a processing fee of 1% of the loan amount (minimum Rs. 250) + GST.

Joining & Annual Fees

  • Joining fee: Rs. 500 + applicable charges.
  • Renewal membership fee: Rs. 500 + applicable charges. The renewal fee is waived on spending Rs. 2 Lakhs or more in a year.
  • Exclusions for spends of Rs. 2 Lakhs and above for renewal year fee waiver are Cash on Call, Balance Transfer and Cash Withdrawal.

How to Link Swiggy HDFC Bank Credit Card on the Swiggy App?

If you have applied for the HDFC Bank Swiggy credit card through HDFC Bank’s porta, you need to link your card on the Swiggy app to earn cashback on eligible transactions and for Swiggy One membership. 

In order to link the Swiggy HDFC Bank Credit with Swiggy app, you have to install the Swiggy app first and then follow the below-mentioned steps:

  • Go to the Swiggy app and the go to ‘Credit Card’ page under the Accounts section. 
  • Select ‘Swiggy HDFC Bank Credit Card’. 
  • You will find a section on ‘Already Got the Card?’ at the bottom of the ‘Credit Card’ page. Click on ‘Link Your Card to Swiggy’ there. 
  • On clicking, you will be asked to enter the mobile number submitted during the credit card application.? 
  • Enter the number and then submit the received OTP to complete the linking of the card.

Swiggy HDFC Bank Credit Card Fee & Charges

The Swiggy HDFC credit card fees and charges are mentioned below in detail:

  • Joining fee: Rs. 500 + applicable charges.
  • Annual fee: Rs. 500 + applicable charges. 
  • Foreign currency markup: 3.5% of the transaction value.
  • Overlimit penalty: 2.5% of the over-limit amount (minimum Rs. 550).
  • Charges in case of default: Nil to Rs. 1,300 (depending on the outstanding balance).
  • Payment return charges: 2% of the payment amount (minimum Rs. 450).
  • Cash advance fee: 2.5% or Rs. 500, whichever is higher. 
  • Cash processing fee: Rs. 100 for card payments in HDFC Bank branches or ATMs.
  • Railway ticket purchase fee: 1% of the transaction amount + GST. Charges are reversed after the transaction. 
  • Rewards redemption fee: Rs. 99 per redemption request.
  • Balance transfer processing fee: 1% of the transfer amount or Rs. 250, whichever is higher. 
  • Smart EMI processing fee: Rs. 499 + GST
  • Insta Loan & Jumbo Loan processing fee: Rs. 999 + GST.
  • Duplicate physical statement: Rs. 10 per duplicate physical statement.
  • Rent pay transaction fee: 1% fee of transaction amount. 
  • Finance charges for revolving credit & cash advances: 3.60% p.m. (43.20% p.a.).
  • Pre-closure charges for Smart EMI, Insta Loan & Jumbo Loan: 3% of the principal outstanding.
  • Card validation charges: Rs. 2.
  • Reissuance of lost, stolen or damaged card: Rs. 100 
  • Outstation cheque processing charge: Rs. 25 for cheque value up to Rs. 5,000 & Rs. 50 for above Rs. 5,000.
  • Dynamic currency conversion markup fee: 1%.

Swiggy HDFC Bank Credit Card Eligibility

Below are the Swiggy HDFC Bank Credit Card eligibility criteria:

For Salaried Indian National

  • Age: Minimum 21 years and maximum 60 years.
  • Net Monthly Income: More than Rs. 25,000.

For Self-employed Indian National

  • Age: Minimum 21 years and maximum 65 years.
  • Income: Income Tax Returns (ITR) of more than Rs. 6 Lakhs per annum.

How to Apply for a Swiggy HDFC Bank Credit Card?

You can apply for an HDFC Bank Swiggy Credit Card online or offline. Applying online is easy through the official website of the bank or from our portal. All you need to do is follow the steps mentioned below:

  • Check your eligibility for the HDFC Bank Swiggy Credit Card.
  • Go to the credit cards section and choose your preferred card.
  • Enter the required details.
  • Upload the required documents for completing the application

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