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The Swiggy HDFC Credit Card is what happens when HDFC Bank and Swiggy build something together. Frequent Swiggy users and online shoppers get a card that rewards where they actually spend. Eligible Food Delivery, Instamart, Dineout and Genie transactions earn cashback. The HDFC Bank Swiggy Credit Card runs on Mastercard’s network and can be applied for through available HDFC Bank channels or the Swiggy app.
Airtel Finance may facilitate the application journey, while HDFC Bank independently determines eligibility, approval, issuance and servicing of the card.
Calculate your HDFC Swiggy Credit Card EMI instantly and get an estimate of your monthly EMI, total interest, and total repayment amount on your food and grocery orders.
| Month | Principal | Interest | EMI | GST (18%) | Final EMI |
|---|
Complimentary Swiggy One Membership: Upon activating the card within the specified period and claiming the benefit through the Swiggy app, eligible cardholders receive a complimentary three-month Swiggy One membership. An additional nine-month membership may be available under a limited-period offer for eligible customers applying through the Swiggy app. Benefits are subject to Swiggy One terms, minimum order values and service availability.
Cardholders earn 10% cashback on eligible transactions of ₹249 or more made through the Swiggy app, including Food Delivery, Instamart, Dineout and Genie. This cashback is subject to a cap of ₹1,500 per billing cycle. Transactions made through Swiggy Money Wallet, Swiggy Liquor and Swiggy Minis are excluded.
The card offers 5% cashback on eligible online transactions of ₹100 or more across selected merchant categories. These may include eligible transactions on platforms such as Amazon, Flipkart, Myntra, Nykaa, Ola and Uber, depending on the merchant category code assigned to the transaction. This cashback is subject to a cap of ₹1,500 per billing cycle.
Cardholders earn 1% cashback on other eligible transactions of ₹100 or more, including offline transactions, with a cap of ₹500 per billing cycle. Fuel, rent, EMIs, jewellery, wallet loads, prepaid cards, gift cards, government-related transactions, cash advances, foreign-currency transactions and certain Swiggy services are excluded from earning cashback.
Earned cashback is automatically credited to the credit card account as statement credit. The Swiggy HDFC credit card annual fee of ₹500 plus applicable taxes is waived if the cardholder spends ₹2 lakh or more during the relevant card membership year before the renewal date.
Eligible purchases can be converted into EMIs, subject to HDFC Bank's applicable interest rate, processing fee and terms.
Up to three complimentary add-on cards are available without an annual membership fee.
Immediate reporting of a lost card provides zero liability for fraudulent transactions made after the loss is reported, subject to HDFC Bank's terms.
Getting the Swiggy HDFC Credit Card Bank application started takes a few minutes. You may apply through Airtel Finance if the card is available on its platform, through HDFC Bank's official application channels or through the Swiggy app where the option is available.
Airtel Finance acts as a facilitation and referral channel. HDFC Bank independently conducts the credit card eligibility assessment and decides whether to approve and issue the card.
Have your PAN, accepted identity and address proof, and income documents handy. Aadhaar is one accepted KYC document, although other documents such as a passport, voter ID or driving licence may also be accepted. HDFC Bank checks your income, existing credit obligations and repayment track record before approving the application.
Processing and delivery times may vary depending on KYC, document verification and the bank's assessment. Once the card is approved, activate it and use it for eligible transactions. Linking the card to the Swiggy app is required to claim the applicable Swiggy One welcome benefit.
Enjoy 10% cashback on eligible Swiggy app transactions of ₹249 or more, including Food Delivery, Instamart, Dineout and Genie, up to ₹1,500 per billing cycle. Additionally, get 5% cashback on eligible online transactions of ₹100 or more across selected merchant categories, up to ₹1,500 per billing cycle. Other eligible transactions of ₹100 or more earn 1% cashback, up to ₹500 per billing cycle.
Eligible cardholders receive a complimentary three-month Swiggy One membership after activating the card within the specified period and claiming the benefit through the Swiggy app. An additional nine-month membership may apply under a limited-period offer.
Enjoy up to three complimentary add-on cards, zero lost card liability and an interest-free credit period of up to 50 days. The card also comes with eligible Mastercard World benefits, including golf benefits, subject to applicable programme terms.
| Fee Type | Details |
|---|---|
| Joining Fee | ₹500 plus applicable taxes |
| Renewal Fee | ₹500 plus applicable taxes, waived on eligible spending of ₹2 lakh during the relevant card membership year |
| Finance Charge | 3.75% per month, equivalent to 45% per annum, plus applicable taxes |
| Late Payment Fee | Nil for outstanding amounts up to ₹100. For higher outstanding amounts, charges range from ₹100 to ₹1,300, depending on the applicable slab |
| Foreign-Currency Transaction Fee | 3.5% of the transaction amount, plus applicable taxes |
| Cash Advance Fee | 2.5% of the withdrawn amount or ₹500, whichever is higher |
Before you apply for the HDFC Swiggy card, understand the costs and rules. The Swiggy HDFC card benefits include cashback on Swiggy and other spends, but you must also review the Swiggy HDFC credit card charges. The joining and annual fees are ₹500 each plus applicable taxes. Spend ₹2 lakh or more during the relevant card membership year before the renewal date, and the renewal fee is waived, subject to qualifying-spend exclusions.
Cashback caps and minimum transaction values matter. The Swiggy HDFC Credit Card cashback structure is layered: eligible Swiggy transactions of ₹249 or more earn 10% cashback, capped at ₹1,500 per billing cycle. Eligible online and other transactions must be at least ₹100 to earn 5% and 1% cashback, respectively.
Fuel, rent, EMI transactions, wallet loads, gift cards, jewellery, government payments, cash advances and foreign-currency transactions do not earn cashback. Merchant category coding determines whether an online transaction qualifies for the 5% cashback rate. A quick Swiggy HDFC credit card review can help you understand these exclusions.
HDFC Bank considers your income, credit history, existing obligations and other factors when assessing your credit card eligibility. Airtel Finance does not approve or issue the card. If you want to apply for the Swiggy HDFC credit card, you can do so online through the Swiggy credit card HDFC Bank platform. For HDFC Swiggy credit card apply, ensure you read the latest HDFC Bank terms covering interest charges, foreign-currency costs and other applicable fees before applying.
The card is designed for frequent Swiggy users and those who regularly shop online. The indicative eligibility criteria are:
Between 21 and 60 years of age with a monthly income of at least ₹15,000.
Between 21 and 65 years of age with an annual income of more than ₹6 lakh, as shown in the applicant's Income Tax Return.
Meeting the eligibility criteria does not guarantee approval. HDFC Bank assesses each application according to its internal credit and risk policies.
To activate your Swiggy HDFC Bank Credit Card, follow these steps:
Set the PIN through an approved HDFC Bank channel and use a one-time password or IVR facility to authenticate the card.
Enable controls for online, contactless or international transactions as required.
Go to the Credit Card page in the Swiggy app, select "Swiggy HDFC Bank Credit Card", link your card by entering your registered mobile number and verifying the OTP.
Activate the card within 37 days of issuance to remain eligible for the complimentary three-month Swiggy One membership. The option to claim the membership generally appears in the Swiggy app within two to three days of activation.
The Swiggy HDFC Bank Credit Card offers cashback rather than reward points. Cardholders do not need to submit a redemption request.
Cashback earned on eligible transactions is automatically credited to the card account as statement credit. The timing depends on when the merchant settles and posts the transaction.
Review your HDFC Bank credit card statement to check cashback earnings, reversals and adjustments. Note that cashback may be reversed if a purchase is refunded, cancelled or converted into an EMI.
Earn up to 25% cashback on Airtel Mobile, Broadband & DTH recharges through Airtel App.
*T&C apply
