Cashback
HDFC Swiggy Credit Card
HDFC 8.2
CardTrail Score
Very Good
out of 10
Annual Fee
₹500
Spend ₹2L/year
Forex Markup
3.5%
Reward Rate
1%
Up to 10%
Lounge Access
4
domestic | 0 intl
About This Card
The HDFC Swiggy card gives 10% cashback on Swiggy — the highest food delivery earn rate in India. If you order Swiggy 10+ times a month, this card easily pays for itself. The 5% on online shopping adds extra value. Just note that cashback is as Swiggy Money, not cash.
Pros & Cons
Pros
- 10% on Swiggy is huge for frequent orderers
- 5% on online shopping
- Low ₹500 fee
- 4 domestic lounges
Cons
- Cashback as Swiggy Money — locked to platform
- 3.5% forex
- Only valuable if you order Swiggy regularly
- Base rate of 1% is average
Fee Details
Annual Fee
₹500
Joining Fee
₹500
Fee Waiver Condition
Spend ₹2L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
1%
Max Rate
10%
Currency
Cashback (Swiggy Money)
Welcome Bonus
₹500 Swiggy voucher
Lounge Access
Domestic Lounges
4
per quarter
International Lounges
0
Key Highlights
- + 10% cashback on Swiggy orders
- + 5% on online shopping
- + 1% on all other spends
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Quick Summary
Best For
food delivery cashback
Annual Fee ₹500
Base Reward 1%
Max Reward 10%
Forex Markup 3.5%
Network Visa
Min Income ₹2L+
CardTrail Score
Best For
food delivery cashback beginner
