Swiggy HDFC Bank Credit Card

HDFC Bank · Discontinued

HDFC's Swiggy co-brand cashback card, now being replaced by Swiggy Ornge and Swiggy BLCK: 10% on Swiggy (food, Instamart, Dineout), 5% on online shopping and local cabs, 1% elsewhere, with a ₹3,500 cap a statement, for a ₹500 fee waived at ₹2 lakh.

Annual fee
₹500 + GST a year
Joining fee
₹500 + GST
Fee waiver
Annual fee waived on ₹2,00,000 spend per card year
Base rate
1% on other spends: 1% cashback (about 1% at cash value)
Lounges
None on record
Forex markup
3.5%
Data
From bank documents, checked 24 Oct 2026
Replaced by
Swiggy Ornge HDFC Bank Credit Card

Main earn rates

  • 10% on Swiggy food ordering, Instamart and Dineout: 10% cashback (about 10% at cash value)
  • 5% on online shopping (apparel, electronics, department and discount stores, entertainment, pharmacies): 5% cashback (about 5% at cash value)
  • 5% on local cabs (Uber, Ola and similar): 5% cashback (about 5% at cash value)
  • 5% on Cleartrip (statements from 17 April 2026): 5% cashback (about 5% at cash value)

Earns nothing on

  • No cashback on fuel
  • No cashback on rent or government-related payments
  • No cashback on wallet loads
  • No cashback on jewellery
  • No cashback on gift cards and prepaid cards
  • No cashback on EMI of any type
  • No cashback on online skill-based gaming
  • No cashback on education fees (direct or through apps)
  • No cashback on purchases made through the SmartBuy portal

Where the sources disagree

  • activation window for the welcome Swiggy One membership: The product page says activate within 30 days of issue. The T&C (18 September 2026) says within 37 days. The T&C is cited in the welcome condition.

Terms the calculator does not value

  • The 5% list also covers home décor, personal care and pet stores and supplies; the calculator has no matching spend lines, so they are not applied. Only select merchants under each MCC qualify, so the 5% on "Other online shopping" is the best case.
  • Swiggy Dineout payments made at a restaurant earn 10% only when paid through the Swiggy app; the calculator's restaurant line is offline and is valued at 1%.
  • The calculator values the card as if issued today, although it is being phased out. Existing holders are being moved to Swiggy Ornge (5% on Swiggy, ₹2,500 cap) or Swiggy BLCK, whose terms differ.
  • The ₹50 + GST cashback redemption charge in the MITC is not charged in the value; Swiggy cashback is credited to the statement automatically.
  • The Cleartrip instant discounts (20% on hotels, 6.35% on flights, coupon CTSWHDFC) are a limited-period offer with no end date given and are not valued.
  • Bill payments through HDFC SmartPay, purchases of travellers' cheques and foreign currency, and cash advances earn no cashback; the calculator's utility lines are valued at 1% as if paid another way.
  • MITC caps on utilities and telecom do not apply. MITC v4.15 clause n caps the Reward Points earned on utility and on telecom transactions at 2,000 a calendar month from 1 September 2024, then says "Please note: For Millennia, UPI, BIZ UPI, Swiggy, BIZ First, Paytm, Paytm Business, Easy EMI Millennia, Best Price Save Smart and Bharat credit cards, the capping as per the product feature will continue to be applicable". This card earns rupee cashback, not reward points: utility and telecom bills earn the 1% "Spends on other categories" rate inside that category's own "Rs.500 per billing cycle" cap (T&C Table 1.1), as the base rule and its cap already do.
  • MITC caps on insurance and groceries do not apply. MITC v4.15 clause e caps "Reward Points accrued for insurance transactions" at 2,000 a month for "all other credit cards" (from 1 July 2025) and clause m caps "Reward Points earned on Grocery transactions" at 1,000 a month "for the rest of the cards" (from 1 January 2023). This card earns cashback in rupees, which the MITC says is "credited against outstanding balance in card statement", and the T&C sets its own caps by category, so no points cap is entered. Insurance premiums and grocery stores are not in Table 1.1's 1% exclusions ("Fuel, Rent, Jewellery, Govt. spends, Gift Cards, EMI & Wallet") and earn 1% inside the ₹500 a billing cycle cap; Swiggy Instamart earns the Swiggy-app 10%.

Sources

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