HDFC Swiggy Credit Card: reward rates, transfer partners, and who it's for
Heavy Swiggy and food-delivery users who want direct cashback rather than transferable travel points. Often paired with a separate transferable-points card for travel goals.
HDFC Swiggy gives 10 percent on food. Pair it with a travel card and see your real trip timeline.
HDFC Swiggy Credit Card overview
Heavy Swiggy and food-delivery users who want direct cashback rather than transferable travel points. Often paired with a separate transferable-points card for travel goals.
Earn rates by category
| Category | Rate | Cap |
|---|---|---|
| Swiggy app (Food, Instamart, Dineout, Genie) | 10% cashback | ₹1,500 per billing cycle |
| Online — Apparels, Electronics, Department Stores | 5% cashback | ₹1,500 per billing cycle |
| All other spends | 1% cashback | — |
Where HDFC Swiggy Credit Card points can go
None — cashback card with no point transfers
What HDFC Swiggy Credit Card does well
- 10% cashback on Swiggy app orders (Food, Instamart, Dineout, Genie) — among the highest in its category, capped at ₹1,500 per billing cycle.
- 5% cashback on online Apparels, Electronics, and Department Stores — capped at ₹1,500 per billing cycle.
- Welcome benefit: complimentary 3-month Swiggy One membership on activation within 30 days of issuance.
- Annual fee waived on ₹2,00,000 of annual spend.
- Low entry barrier for first-time credit card users.
Where HDFC Swiggy Credit Card falls short
- No transferable reward points — strictly a cashback card with no airline or hotel transfer partners.
- Cashback caps at ₹1,500 per billing cycle on both Swiggy (10%) and online (5%) categories — heavy users hit the ceiling quickly.
- 1% base rate on all other spends (excluding fuel, rent, EMI, wallet, jewellery, government transactions which earn 0%).
- Not suitable as a primary travel-funding card.
Who should get HDFC Swiggy Credit Card
Heavy Swiggy and food-delivery users who want direct cashback rather than transferable travel points. Often paired with a separate transferable-points card for travel goals.
Common HDFC Swiggy Credit Card questions
Does HDFC Swiggy card help with travel rewards?
No. HDFC Swiggy is a cashback card with no transferable points and no airline or hotel transfer partners. It is best used alongside a separate travel rewards card.
What cashback does HDFC Swiggy card offer?
10% cashback on Swiggy app orders (Food, Instamart, Dineout, Genie) capped at ₹1,500 per billing cycle. 5% on online Apparels, Electronics, and Department Stores capped at ₹1,500 per billing cycle. 1% on all other spends, excluding fuel, rent, EMI, wallet, jewellery, and government transactions.
Is the HDFC Swiggy card annual fee waived?
Yes. The ₹500 + GST annual fee is waived if you spend ₹2,00,000 or more in a year.
Swiggy card handles your food cashback. See which travel card completes the combo and find your trip timeline.