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Best For

Shopping

Online Food Ordering

Dining

Grocery Shopping

Joining/Annual Fees

Joining Fees

₹590 ( ₹500 + GST )

Complimentary Swiggy One Membership for 12 month

Annual Fees

₹590 ( ₹500 + GST )

The annual fee is waived if you spend ₹1.5 lakh or more in a year on your card, as per bank policy.

Eligibility

Age Criteria

21-60 years

Salary Criteria

2.4 LPA

Credit Rating*

720+

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

All Benefits

5% cashback on Swiggy app spends (Food Delivery, Instamart, Dineout)
Cashback capped at ₹1,500 per billing cycle for Swiggy spends
5% cashback on select online merchants and categories like apparel, electronics, travel, pharmacies, entertainment and discount stores
1% cashback on other eligible spends
1% cashback capped at ₹1,000 per billing cycle

Bank Exclusions

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

For Points / Cashback Earnings

Fuel

Rent

Jewellery

Government payments

Gaming

Education

Wallets

Gift Cards

EMI transactions

SmartPay

SmartBuy portal and cash advances

For Spends Waiver

Cash Advances

Balance Transfer

ATM Cash Withdrawals

Bank Fee Structure

Structure	Details
Forex Markups 3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500	3.5%
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid	3.75%
ATM Withdrawl 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).	2.50%
Reward Redemption Fees No fee is charged when redeeming reward points on this card	Not Applicable
Link for all T&Cs	Click Here
Railway Surcharge A surcharge fee of 1% applies on rental transactions made using the credit card	1%
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card	1%
Cheque Payment Fees A fee of ₹100 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal	₹100
Cash Payment Fees ₹250 cash payment fee per deposit	₹250

Late Payment Fees Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared	Amount Due
₹0 - ₹100	₹0
₹101 - ₹500	₹100
₹501 - ₹5000	₹500
₹5001 - ₹10000	₹600
₹10001 - ₹25000	₹800
₹25001 - ₹50000	₹1100
₹50001 - and above	₹1300

Swiggy Ornge HDFC Bank Credit card

All Card USPs