HDFC Swiggy Credit Card

Best For

Shopping

Online Food Ordering

Dining

Grocery Shopping

Joining/Annual Fees

Joining Fees

₹590 ( ₹500 + GST )

N/A

Annual Fees

₹590 ( ₹500 + GST )

Spend ₹2,00,000 in preceding year and get your renewal fee waived off

Eligibility

Age Criteria

21-60 years

Salary Criteria

2 LPA

Credit Rating*

725+

See if you are eligible for this card

How to redeem?

Rewards Conversion Rate

N/A

Redemption Options

Accrued Cashback is adjusted in the monthly statement.

To check redemption catalogue

N/A

All Card Benefits

Earn 10% cashback on Swiggy services, including food ordering, Instamart, Dineout, and Genie. Cashback is capped at ₹1,500 per billing cycle
Receive 5% cashback on online purchases across eligible Merchant Category Codes, with a maximum of ₹1,500 cashback per billing cycle
Enjoy a free 3-month Swiggy One membership upon card activation, offering benefits like free deliveries and exclusive discounts
Report your lost card immediately to HDFC Bank’s 24-hour call center to avoid liability on any fraudulent transactions
Benefit from up to 50 days of interest-free credit from the date of purchase, subject to merchant charge submission
Access revolving credit at a nominal interest rate on your Swiggy HDFC Bank Credit Card

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Gift Cards and Vouchers

Wallet Loads

Rent Payment

Government-related Transactions

Fuel Spends

Jewellery Purchases

EMI Spends

Cash Advances

Forex Transactions

Smartpay

Smartbuy Portal

Utility Bill Payments

For Spends Waiver

Cash Advances

Balance Transfer

ATM Cash Withdrawals

Bank Fee Structure

Structure	Details
Forex Markups 3.5% Forex Markups are levied if you use your card to make payment in any currency other than INR. This fee will be levied if you shop on any ecomerce website which accepts payment in currency other than INR or if you make a payment outside of India using a POS. Below mentioned table gives forex markup for most common spends Rs 100 - Rs 3.5 Rs 1000 - Rs 35 Rs 10,000 - Rs 350 Rs 1,00,000 - Rs 3500	3.5%
APR Fees 3.75% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 45%	3.75%
ATM Withdrawl For every withdraw money transaction you will be charged 2.5% of the amount withdrawn or Rs 500 whichever is higher	2.5%
Reward Redemption Fees A nominal fee of ₹50+ GST per successful redemption	₹50
Link for all T&Cs	Click Here
Railway Surcharge 1% of the transaction amount + GST will be charged on Railway Ticket Purchases	1%
Rent Payment Fees 1% fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month. Fee capped at Rs 3000 per transaction	1%
Cheque Payment Fees Cheque Pickup Fee: ₹100 per instance. Cheque Return Fee: 2% of the cheque amount, subject to a minimum of ₹450	₹100
Cash Payment Fees ₹250 + taxes will be charged for all payments done via Cash	₹250

Late Payment Fees Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date	Amount Due
₹0 - ₹100	₹0
₹101 - ₹500	₹100
₹501 - ₹5000	₹500
₹5001 - ₹10000	₹600
₹10001 - ₹25000	₹800
₹25001 - ₹50000	₹1100
₹50001 - and above	₹1300

All Card USPs