Swiggy HDFC Bank Credit Card
HDFC Bank · Checked 2026-10-11
Swiggy HDFC Bank Credit Card is a paid card focused on straightforward cashback, dining rewards and online spending, charging ₹500 annually before GST.
CardIQ editorial view
Our take
Swiggy HDFC Bank Credit Card is a paid card focused on straightforward cashback, dining rewards and online spending, charging ₹500 annually before GST.
Who it suits
- People who prioritise straightforward cashback.
- People who prioritise dining rewards.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- Cashback on eligible Swiggy, online and everyday purchases.
Trade-offs to understand
- Cashback on eligible Swiggy, online and everyday purchases; issuer caps, exclusions and redemption rules apply.
- The ₹500 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes cashback on eligible swiggy, online and everyday purchases valuable enough to clear the fee. Factor in this condition: Cashback on eligible Swiggy, online and everyday purchases; issuer caps, exclusions and redemption rules apply.
Compare before deciding
- Axis Bank ACE — A lower-fee way to compare similar strengths in online spending and dining rewards.
- RBL Bank Jalsa — A higher-fee option to compare for broader benefits around online spending and dining rewards.
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Benefits, limits and conditions
- Cashback on eligible Swiggy, online and everyday purchases; issuer caps, exclusions and redemption rules apply.
- Renewal fee reversal requires ₹2 lakh of qualifying annual spend.
- Benefits and eligibility remain subject to the current HDFC Bank product terms.