Swiggy HDFC Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: HDFC Bank
Network: Visa | Tier: Mid-Range
The Swiggy HDFC Credit Card is a Mid-Range Visa credit card issued by HDFC Bank, best suited for food delivery users. It carries a joining fee of ₹500, with an interest rate of 3.6% per month. Key benefits include 10% cashback on Swiggy and 10% Swiggy cashback. New cardholders get a welcome benefit of Welcome cashback. On fees — No airport lounge access; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹3,00,000/year to qualify. It falls under the Co-branded, Shopping, Fuel, and Rewards category on CreditCardHunt.
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Why Choose the Swiggy HDFC Credit Card?
The Swiggy HDFC Credit Card is a Mid-Range-tier Visa credit card issued by HDFC Bank, rated 4.6/5 by the Credit Card Hunt editorial team. It is best suited for Food delivery users. With a reward rate of 10% Swiggy cashback and an annual fee of ₹500, it ranks among the popular Co-branded cards in India in 2026.
New cardholders are welcomed with Welcome cashback, which adds immediate value in the first year.
Swiggy HDFC Credit Card Fees & Charges
| Annual Fee | ₹500 |
|---|---|
| Joining Fee | ₹500 |
| Interest Rate | 3.6% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
Swiggy HDFC Credit Card Rewards & Benefits
| Reward Rate | 10% Swiggy cashback |
|---|---|
| Welcome Bonus | Welcome cashback |
| Lounge Access | None |
| Best For | Food delivery users |
Key Highlights of the Swiggy HDFC Credit Card
- 10% cashback on Swiggy
- 10% Swiggy cashback
Swiggy HDFC Credit Card Eligibility Criteria
- Age: 21-60 years
- CIBIL score: 750+
- Minimum income: ₹3,00,000/year
Minimum Income Required: ₹3,00,000/year
Advantages of the Swiggy HDFC Credit Card
- Best food cashback — a built-in advantage for cardholders.
Drawbacks of the Swiggy HDFC Credit Card
- Before applying, factor in limited general rewards.
Swiggy HDFC Credit Card — Frequently Asked Questions
What is the annual fee of the Swiggy HDFC Credit Card?
The Swiggy HDFC Credit Card has an annual fee of ₹500 and a joining fee of ₹500. New cardholders receive Welcome cashback as a welcome benefit, which helps offset the joining cost.
Does the Swiggy HDFC Credit Card offer airport lounge access?
No, the Swiggy HDFC Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the Swiggy HDFC Credit Card?
The minimum income requirement is ₹3,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Swiggy HDFC Credit Card?
The Swiggy HDFC Credit Card earns 10% Swiggy cashback. It is best suited for Food delivery users.
Credit Cards Similar to the Swiggy HDFC Credit Card
If you are considering the Swiggy HDFC Credit Card, these co-branded credit cards are worth comparing before you apply:
- AU ixigo Credit Card by AU Small Finance Bank — rated 4.7/5, NIL annual fee
- Tata Neu Infinity Credit Card by HDFC Bank — rated 4.6/5, ₹1,499 annual fee
- Club Vistara SBI Prime by SBI Card — rated 4.6/5, ₹2,999 annual fee
- Marriott Bonvoy HDFC Credit Card by HDFC Bank — rated 4.6/5, ₹3,000 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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Expert Rating: 4.6/5