Annual fee₹500+ GST
Forex markup3.5%
Interest3.75%a month
NetworkMastercard
You earn
Perks & rules
What changed
24 Sep 2026Card being phased out; holders who don't choose will be moved to the lifetime-free Swiggy Ornge card
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asCashback
Base rate1% on other spends
Higher rates
- Swiggy: 10% on Swiggy app: food delivery, Instamart, Dineout
- Select online merchants: 5% on online spends at select merchants in apparel, electronics, department stores, pet supplies, home décor, personal care, cabs, entertainment, pharmacy and discount stores (Amazon, Flipkart, Meesho, Ajio)
Limits
- 10% rate: up to ₹1,500 per billing cycle
- 5% rate: up to ₹1,500 per billing cycle
- 1% rate: up to ₹500 per billing cycle
- No cashback on transactions under ₹100
Doesn't earn on
- Fuel, rent, government, jewellery, gift cards, wallet loads, EMI, SmartPay, SmartBuy, cash
- Swiggy Money wallet, Swiggy Liquor, Swiggy Minis
- Gift cards and groceries bought at the 5% merchants
- Education payments via third-party apps (CRED, Cheq, MobiKwik etc.)
- Online skill-based gaming
Where it landsAgainst your card outstanding in the next statement
What a point is worth
Value₹1 of cashback = ₹1 off your bill
ExpiryNot applicable: cashback is credited to your card
Redemption feeNone: credited automatically
Welcome benefit
Welcome3 months of Swiggy One on card activation
Milestones
MilestonesNone stated
Airport lounges
DomesticNone
InternationalNone
Fuel
FuelNo fuel surcharge waiver
Spending abroad
Forex markup3.5% of the transaction amount
Fees
Joining fee₹500 + GST
Annual fee₹500 + GST
Fee waiverSpend ₹2 lakh in the year before renewal
If you pay late
Late fee₹100–₹1,300 depending on amount due (nil up to ₹100)
Interest3.75% a month (45% a year)
Cash withdrawal2.5% or ₹500, whichever is higher
Who can apply
Age21–60 (salaried), 21–65 (self-employed)
SalariedMonthly income ₹15,000 and above
Self-employedITR above ₹6 lakh a year
More perks
Perks
- Golf: 4 green-fee rounds a year
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- Swiggy HDFC Bank product page Product page · 2 Oct 2026
- Swiggy HDFC Bank Credit Card T&C Card T&C · 18 Sep 2026
- HDFC Bank Key Fact Statement & MITC (v4.12) Fee schedule · 30 Sep 2026
- Swiggy card migration FAQ Notice · 24 Sep 2026
Card image: HDFC Bank's own website.
