Swiggy HDFC Bank Credit Card 2025
Save up to ₹42,000+ every year on Swiggy food delivery, Instamart, Dine Out, online shopping & more!
If you order food from Swiggy often or shop online a lot, the Swiggy HDFC Bank Credit Card is made just for you!
You get 10% cashback on all Swiggy services (food delivery, Instamart, Dine Out, Genie) up to ₹1,500/month, 5% cashback on other online spends (up to ₹1,500/month), 1% cashback on everything else (up to ₹500/month), 4 domestic lounge visits per year, 3 months free Swiggy One membership as welcome gift, and low ₹500 fee waived on ₹2 Lakh annual spend.
Cashback comes as statement credit – real money back in your card, no expiry, easy to use!
Why This Is The Best Food Delivery Card in 2025?
10% unlimited on Swiggy • 5% on all online spends • 1% on other spends • 4 lounges/year • 3 months free Swiggy One • Fee waiver on ₹2L • Mastercard World benefits (golf, hotels).
Best for: Swiggy users, online shoppers, food lovers, families ordering delivery often
Fee Waiver Offer – ₹500 Annual Fee Waived on ₹2 Lakh Spend
Card At a Glance
₹500 + GST
₹500 + GST (Waived on ₹2L spend)
10% Swiggy | 5% Online | 1% Others
Statement Credit (Real Money)
4 Domestic per year
3.5%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹500 + GST |
| Annual Fee | ₹500 + GST (Waived on ₹2 Lakh spend) |
| Welcome Benefit | 3 Months Free Swiggy One Membership |
| Cashback Credit | Statement Credit (post 21st Jun 2024) |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.6% per month |
| Cash Advance Fee | 2.5% or ₹500 (whichever higher) |
Detailed Cashback Rates (2025)
- 10% Cashback on Swiggy app/services (food, Instamart, Dine Out, Genie) up to ₹1,500/month
- 5% Cashback on other online spends (Amazon, Flipkart, etc. from May 2025) up to ₹1,500/month
- 1% Cashback on all other spends up to ₹500/month
- No cashback on fuel, rent, EMI, wallet loads, jewellery, government payments
- Swiggy One membership benefits: Free delivery, discounts
- Cashback as statement credit – no expiry
Airport Lounge Access
4 complimentary domestic visits per year (1 per quarter)
Requires ₹50,000 spend in previous 3 months
Mastercard World tier benefits included
Insurance & Protection Benefits
- Zero liability on lost card
- ₹1 Crore air accident cover
- EMI conversion on big spends
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 10% on Swiggy (up to ₹1,500/month) | 10% & 5% capped at ₹1,500 each |
| 5% on online (Amazon/Flipkart from May) | No cashback on fuel/rent/EMI |
| Low ₹500 fee, easy waiver | 3.5% forex markup |
| 3 months free Swiggy One | Lounge needs ₹50K spend |
| 1% on everything else | No international lounges |
| Mastercard World perks (golf, hotels) |
Eligibility Criteria & Documents Required
- Age: 21–60 years (salaried) | 21–65 years (self-employed)
- Minimum Annual Income: ₹6 Lakh (salaried) or ₹9 Lakh ITR
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar, salary slip/ITR, bank statement
How to Apply Online (5-Minute Process)
- Visit HDFC Bank website and select Swiggy Card
- Fill basic details → Get instant pre-approval
- Upload PAN, Aadhaar & income proof
- Video KYC (2–3 minutes)
- Card approved & dispatched in 7–10 days
Final Verdict – Should You Get It in 2025?
If you spend ₹15,000+ monthly on Swiggy and online shopping, this card saves ₹20,000–₹42,000 yearly with cashback, free membership & lounges. Best low-fee card for food delivery fans – highly recommended!
Frequently Asked Questions (FAQs)
How is cashback credited?
As statement credit (real money) after Jun 2024 – no Swiggy Money anymore.
What is Swiggy One membership?
Free delivery, exclusive discounts – worth ₹1,099/year, free 3 months on join.
Does fee get waived?
Yes, ₹500 waived on ₹2 Lakh annual spend.
Any exclusions?
No cashback on fuel, rent, EMI, wallet, jewellery, govt. spends.
Mastercard benefits?
Yes, golf rounds, hotel stays, 12% off Agoda, global privileges.