What are the main benefits of the Swiggy HDFC Bank Credit Card?

The Swiggy HDFC Bank Credit Card offers 10% cashback on Swiggy, 5% on online spends, and a complimentary 3-month Swiggy One membership.

Is there a joining fee for the Swiggy HDFC Bank Credit Card?

The standard joining fee for the Swiggy HDFC Bank Credit Card is ₹500 + applicable charges, but it is currently lifetime free as part of a limited offer.

How can I waive the renewal fee for my Swiggy HDFC Bank Credit Card?

The renewal fee for the Swiggy HDFC Bank Credit Card is waived if you spend ₹2,00,000 or more in the preceding year.

What is the cashback rate on Swiggy spends with this card?

You can earn 10% cashback on all eligible Swiggy application spends (Food, Instamart, Dineout, Genie) with the Swiggy HDFC Bank Credit Card.

Does the Swiggy HDFC Bank Credit Card offer airport lounge access?

No, the Swiggy HDFC Bank Credit Card does not include complimentary airport lounge access, either domestic or international.

How is cashback redeemed on the Swiggy HDFC Bank Credit Card?

Cashback earned with the Swiggy HDFC Bank Credit Card is automatically adjusted as a statement credit in your next billing cycle.

What is the foreign currency markup on the Swiggy HDFC Bank Credit Card?

The Swiggy HDFC Bank Credit Card has a foreign currency markup of 3.5% + GST on international transactions, which is standard.

Are there any golf benefits with the Swiggy HDFC Bank Credit Card?

Yes, the Swiggy HDFC Bank Credit Card, being a Mastercard World Tier card, offers 12 free golf lessons and 4 complimentary rounds annually.

What are the eligibility criteria for the Swiggy HDFC Bank Credit Card?

Salaried individuals need a net monthly income >₹15,000, and self-employed individuals need an ITR >₹6 Lakhs/annum to apply for this card.

Can I earn IndiGo BluChips with my Swiggy HDFC Bank Credit Card?

Yes, you earn 1 IndiGo BluChip for every ₹250 spent on Swiggy platforms using your Swiggy HDFC Bank Credit Card, in addition to cashback.

HDFC Bank

Swiggy HDFC Bank Credit Card

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Last updated: 27 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Complimentary Swiggy One Membership for 3 months upon card activation.

Rewards Rate

10% on Swiggy, 5% on online spends, and 1% on other categories.

Reward Type

Cashback

Reward Redemption

Cashback is automatically adjusted as a statement credit in the next billing cycle.

Domestic Lounge Access

Not Applicable - The Swiggy HDFC Bank Credit Card does not offer complimentary domestic lounge access.

International Lounge Access

Not Applicable - The Swiggy HDFC Bank Credit Card does not offer complimentary international lounge access.

Premium Benefits

Access 12 free golf lessons and 4 complimentary rounds annually with this Mastercard.

Insurance Coverage

Benefit from Zero Lost Card Liability, ensuring protection against fraudulent transactions.

Movie

Earn 5% cashback on online spends, including BookMyShow, making movie outings more rewarding.

Dining

Enjoy 10% cashback on Swiggy (Food, Instamart, Dineout, Genie) and 5% on online dining.

Travel Benefits

Get up to 12% off on Agoda bookings and other Mastercard World Tier travel privileges.

What matters, explained clearly

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Frequently Asked Questions

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