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HDFC BANK LTD
Swiggy HDFC Bank Credit Card
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Verified Catalog
Source: HDFC BANK LTD Official
Updated: Sep 2026
Overview
Editorial snapshot & Positioning.
Co-branded credit card offering enhanced rewards on Swiggy orders and e-commerce platforms with multiple cashback benefits and complimentary Swiggy One membership
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
10% cashback on Swiggy application (food ordering, Instamart, Dineout & Genie)
Highlight 2
5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Tata CLiQ, Uber and Zomato
Highlight 3
1% cashback on all other spends (except fuel)
Highlight 4
Complimentary Swiggy One membership for 3 months
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹500
The front-loaded charge when you apply.
Annual fee
₹500
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹500100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary lounge network access details available on issuer portal.
Hotel Privileges
"Domestic lounge access"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
No secondary fee details registered for this card.
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Basic entry-level card with limited rewards value; primarily suitable for someone looking for a very simple card with minimal features"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: 500 bonus points
- Base Rate: 0.5% cashback on all spends
- Accelerated Rewards Program: 36 Reward Points per ₹200 on online spends
- Travel (Hotels & Other): Domestic lounge access
Cons
- Lifestyle and Fashion: MU merchandise discounts
- Other Features: Contactless payment feature
- EMV chip security
- Waive off condition: ₹1L annual spend
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Customer Reviews
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