Swiggy HDFC Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: HDFC Bank
Network: Visa | Tier: Mid-Range
10% cashback on Swiggy
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 Ordering. 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 Ordering |
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
Drawbacks of the Swiggy HDFC Credit Card
- 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 Ordering.
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:
- IDFC FIRST Power Plus Credit Card by IDFC First Bank — rated 4.6/5, ₹499 annual fee
- Tata Neu Infinity Credit Card by HDFC Bank — rated 4.6/5, ₹1,499 annual fee
- Marriott Bonvoy HDFC Credit Card by HDFC Bank — rated 4.6/5, ₹3,000 annual fee
- Vistara Signature Credit Card by Axis Bank — rated 4.6/5, ₹3,000 annual fee
Expert Rating: 4.6/5