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HomeCredit cardsHDFC BankSwiggy HDFC Bank Credit Card
EntryMastercard

Swiggy HDFC Bank Credit Card

4.2editor Editor score 80/100Best for food delivery lovers

10% cashback on Swiggy, Instamart, Dineout and Genie, 5% on Amazon, Flipkart, Myntra and more, 1% elsewhere.

  • 10% cashback on Swiggy apps (up to ₹1,500 a month)
  • 5% on Amazon, Flipkart, Myntra, Uber, Ola, PharmEasy (up to ₹500)
  • 1% on all other spends
  • Swiggy One membership on joining
Updated 13 Nov 2026
HDFC Bank
•••• •••• •••• 4242
Swiggy HDFC Bank Credit Card

Key facts

Joining fee
₹500 + GST
Annual fee
₹500 + GST
Waived on ₹2 lakh annual spends
Reward rate
10% Swiggy · 5% online · 1% rest
Welcome benefit
3 months free Swiggy One membership

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Swiggy HDFC Bank Credit Card
Annual fee ₹500 + GST
Lounge access
None domestic
Forex markup
3.5%
Fuel surcharge
1% waiver
Interest rate
3.5% p.m. (42% p.a.)

What we like

  • Highest food-delivery rate in India
  • Cashback auto-credits as Swiggy Money
  • Partner 5% covers most shopping

Watch out for

  • Cashback only as Swiggy Money, not statement credit
  • No lounge access
  • Tight monthly caps

Our take

Why we rate it

If you order on Swiggy more than twice a week, nothing else comes close.

Features & benefits in detail

Rewards
Swiggy / Instamart / Dineout
10%
Online partner brands
5%
Other spends
1%
Fees
Fee waiver
₹2,00,000 annual spends

Eligibility

Minimum income
₹25,000 / month
Age
21 – 60 years
Credit score
700+ preferred
SalariedSelf-employed

Approval, pricing and credit limits are decided solely by the issuing bank or NBFC. Fees, rewards and offers shown are indicative and may change without notice; please read the lender's Most Important Terms and Conditions (MITC) or Key Fact Statement before applying.

HDFC Bank
Swiggy HDFC Bank Credit Card
Joining fee
₹500 + GST
Annual fee
₹500 + GST
Rewards
Up to 3%
Lounge
None
Forex
3.5%

Secure hand-off to HDFC Bank. No OTP or PIN ever asked.

Not sure?

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CardSparrow is an independent comparison platform, not a bank, NBFC or RBI-regulated lender. We may earn a referral fee from a lender or affiliate network when you apply through our links. This never changes what you pay and never affects our ratings or the order in which products appear.

•••• •••• •••• 4242
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4.6editor

Best for online shopping

Flat 5% cashback on all online spends with no merchant restrictions, auto-credited to your statement.

Joining
₹999 + GST
Annual
₹999 + GST
Rewards
Up to 5%
Fuel waiver
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Best for everyday online spends

5% CashPoints on Amazon, Flipkart, Swiggy, Zomato, Uber, Myntra and more, with quarterly lounge visits.

Joining
₹1,000 + GST
Annual
₹1,000 + GST
Rewards
Up to 4%
Lounge 4 / yr Fuel waiver
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Best for amazon prime members

Lifetime free card with 5% back for Prime members on Amazon, 2% on Amazon Pay partners and 1% everywhere else.

Joining
Free
Annual
Free
Rewards
Up to 3%
Lifetime free Fuel waiver
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Best for bill payments & food delivery

5% cashback on bill payments via Google Pay, 4% on Swiggy, Zomato and Ola and 1.5% on everything else, uncapped.

Joining
₹499 + GST
Annual
₹499 + GST
Rewards
Up to 3%
Lounge 4 / yr Fuel waiver
Details