HDFC Swiggy Card Credit Card
The ultimate card for Swiggy addicts — 10% cashback is unmatched, but the cap limits who should get it.
By Ashutosh · Updated June 2026
10% cashback on Swiggy is the highest food delivery reward rate on any Indian credit card. If you order Swiggy regularly, no other card comes close. The card also gives 5% on online shopping, entertainment, and apparel — making it a strong contender for the online lifestyle segment.
But there's a hard ceiling: ₹1,500/month total cashback cap across all accelerated categories combined. At 10% on Swiggy, that's maxed out at ₹15,000 in Swiggy orders. If you also shop online (5%), the cap is eaten even faster. The ₹100 minimum transaction requirement also means your ₹80 chai orders earn nothing.
Regular Swiggy users spending ₹5,000-15,000/month on food delivery. At ₹10K/month Swiggy spend, you're earning ₹1,000/month — ₹12,000/year from a card with a ₹500 fee.
You use Zomato more than Swiggy (this card doesn't give 10% on Zomato), or your food delivery spend is under ₹3,000/month. HDFC Millennia's 5% on both Swiggy AND Zomato is more versatile.
10% Swiggy, 5% online, 1% other · ₹1500/mo total cap · Min ₹100 txn
The ₹1,500/month cashback cap is shared across ALL accelerated categories — Swiggy (10%), online shopping (5%), entertainment (5%), and apparel (5%). Not ₹1,500 per category. Combined.
At 10% on Swiggy alone, you hit the cap at ₹15,000/month in orders. But if you also shop online, the cap fills faster. Example: ₹10,000 Swiggy (₹1,000 cashback) + ₹10,000 online shopping (₹500 cashback) = ₹1,500 cap reached. Everything after that earns 1%.
Minimum transaction: ₹100. Orders below ₹100 earn zero cashback. This matters for quick snack or chai orders.
PROS
- Best for Swiggy users (10%)
- 5% on online categories
- Low fee (waivable)
CONS
- CLOSED to new applicants since Mar 12, 2026
- Min ₹249 per Swiggy transaction for 10% (Apr 17, 2026)
- Existing cardholders NOT migrated to BLCK/ORNGE
- Only 1% on non-Swiggy/dining
- Swiggy orders above ₹100: 10% is double what any competitor offers. HDFC Millennia gives 5%, Axis Flipkart gives 4%.
- Online shopping: 5% on online purchases is competitive with HDFC Millennia when you haven't hit the shared cap.
- Budget-conscious food delivery users: ₹500 annual fee waivable at ₹2L spend. If Swiggy is your primary spend, the rewards far exceed the fee.
The 10% rate is Swiggy-exclusive. Zomato falls under general dining at lower rates. If you use both platforms, HDFC Millennia's 5% on both is better.
Restaurant bills don't get 10% — only Swiggy orders do. For restaurant spending, look at SBI ELITE's 2.5% or BOB Eterna's 3.75%.
1% on groceries and 0% on utilities. You need a separate card for these categories.
Swiggy card for food delivery, ACE for utilities (5%), Zomato overflow (4%), and everything else (1.5% uncapped). Total fee under ₹1K.
View Axis ACE →Swiggy card for food delivery, Amazon card for Amazon shopping (5%, no cap). Both low-cost, high-value for online spenders.
View Amazon Pay ICICI →Does HDFC Swiggy card give 10% on Swiggy Instamart?
Swiggy Instamart orders generally qualify as Swiggy transactions, but cashback depends on the MCC code. Most users report getting 10% on Instamart as well.
Is the ₹100 minimum per order or per day?
Per transaction. Each Swiggy order must be ₹100+ to earn the 10% cashback. Multiple small orders below ₹100 won't earn anything regardless of daily total.
HDFC Swiggy vs HDFC Millennia for food delivery?
If you use only Swiggy and spend under ₹15K/month on it, the Swiggy card wins (10% vs 5%). If you use Swiggy AND Zomato, Millennia is more versatile since it covers both at 5%.