HDFC Swiggy

Product Overview

Eligibility Criteria

✔️ Applicant must be an Indian resident

✔️ Age: 21 to 60 years (Salaried)

✔️ Age: 21 to 65 years (Self-Employed)

✔️ Salaried or Self-Employed Individual

✔️ Minimum Monthly Income: ₹15,000 (Salaried)

✔️ Self-Employed Income: ₹6 Lakh Annual ITR or above

✔️ Good CIBIL Score (750+ preferred)

Features and Benefits

✔️ 10% Cashback on Swiggy (Food Delivery, Instamart, Dineout & Genie)

✔️ 5% Cashback on Select Online Spends across eligible merchants

✔️ 1% Cashback on Other Eligible Transactions

✔️ Complimentary 3-Month Swiggy One Membership on card activation

✔️ Cashback is automatically adjusted against the credit card statement

✔️ Contactless payment enabled

✔️ Smart EMI facility available on eligible purchases

✔️ Ideal for Food Delivery, Grocery Shopping & Online Spending

Fees & Charges

✔️ Joining Fee: ₹500 + GST

✔️ Annual Fee: ₹500 + GST

✔️ Annual Fee Waiver: Spend ₹2,00,000+ per year before renewal date

✔️ Interest-Free Period: Up to 50 Days

✔️ Forex Markup: 3.5%

✔️ Cash Advance Fee: 2.5% of withdrawal amount (Minimum ₹500)

✔️ Late Payment Charges: As per HDFC Bank policy

Documents Required

✔️ PAN Card (Mandatory)

✔️ Aadhaar Card / Passport / Driving Licence

✔️ Address Proof

✔️ Income Proof (Salary Slip / ITR / Form 16)

✔️ Bank Statements (Last 3–6 Months)

✔️ Passport-size Photograph (if required)

FAQs

Q1. What cashback does Swiggy HDFC Bank Credit Card offer?
Ans. The card offers 10% cashback on Swiggy spends, 5% cashback on eligible online merchants, and 1% cashback on other eligible spends.

Q2. Is there an annual fee waiver?
Ans. Yes, the annual fee is waived if you spend ₹2 lakh or more in a year.

Q3. Does the card provide Swiggy One Membership?
Ans. Yes, eligible cardholders receive a complimentary 3-month Swiggy One Membership.

Q4. How is cashback credited?
Ans. Cashback is credited directly against the credit card statement.

Q5. Who should apply for this card?
Ans. Users who frequently order food, groceries, and spend online through Swiggy and other e-commerce platforms.

Terms & Conditions

✔️ Cashback is available only on eligible merchant categories and transactions.

✔️ Categories such as rent, fuel, insurance, wallet loads, government payments, EMI transactions and certain other spends may be excluded from cashback calculations.

✔️ Annual fee waiver is applicable on spending ₹2 lakh or more in a membership year.

✔️ Approval is subject to HDFC Bank credit assessment and eligibility criteria.

✔️ Benefits, cashback rates and charges may change as per bank guidelines.