HDFC Swiggy Card Credit Card
HDFC Swiggy Card: judge the entry benefits against your spending and renewal cost.
By Ash · Issuer source linked September 2026
Check the issuer’s current card terms, availability and eligibility criteria.
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HDFC is phasing out this original variant and migrating eligible holders in stages to ORNGE or BLCK. Your bank communication sets your migration date and offer; these estimates describe the original card before migration. 10% Swiggy app (₹1,500/billing-cycle cap; ₹249 minimum); 5% on eligible online categories (separate ₹1,500 cap); 1% on other eligible categories (₹500 cap; ₹100 minimum)
Cash-value estimates are not enabled for this product. Its merchant, feature or redemption conditions need a separate model; published earn rules and non-cash benefits are shown below. Cap terms: Accelerated rewards may be limited by merchant, transaction or reward period; the earning rules below describe the applicable buckets.
Cardholders who use the benefits listed below and can meet the applicable channel, merchant and spend requirements. Fee-waiver terms: ₹2L annual spend.
The annual fee outweighs the benefits you can actually use, or your main spending falls outside the eligible merchants or categories.
Why no automated estimate: The 10% rate applies to eligible Swiggy-app transactions, not all dining; 5% applies only to issuer-listed online merchants/MCCs. Generic dining and online inputs cannot identify those routes, and the card is being migrated to ORNGE/BLCK in stages. Keep this estimate disabled until inputs can distinguish the app/MCC route.
10% Swiggy app (₹1,500/billing-cycle cap; ₹249 minimum); 5% on eligible online categories (separate ₹1,500 cap); 1% on other eligible categories (₹500 cap; ₹100 minimum)
PROS
- 10% on eligible Swiggy app transactions
- 5% on issuer-listed online categories
- ₹500 renewal fee can be waived at ₹2L eligible annual spend
CONS
- Separate billing-cycle cashback caps apply
- ₹249 minimum for the 10% Swiggy tier; ₹100 for other tiers
- Exclusions apply; confirm eligibility by merchant category
- Published earn rules: 10% Swiggy app (₹1,500/billing-cycle cap; ₹249 minimum); 5% on eligible online categories (separate ₹1,500 cap); 1% on other eligible categories (₹500 cap; ₹100 minimum)
- Redemption choice: HDFC is phasing out this original variant and migrating eligible holders in stages to ORNGE or BLCK. Your bank communication sets your migration date and offer; these estimates describe the original card before migration. 10% Swiggy app (₹1,500/billing-cycle cap; ₹249 minimum); 5% on eligible online categories (separate ₹1,500 cap); 1% on other eligible categories (₹500 cap; ₹100 minimum)
- Renewal decision: Listed annual fee: ₹500 before applicable tax. ₹2L annual spend. Compare this cost with rewards you can redeem; a fee waiver is not itself a reward.
Separate billing-cycle cashback caps apply. ₹249 minimum for the 10% Swiggy tier; ₹100 for other tiers. Exclusions apply; confirm eligibility by merchant category
How does HDFC Swiggy Card earn rewards?
10% Swiggy app (₹1,500/billing-cycle cap; ₹249 minimum); 5% on eligible online categories (separate ₹1,500 cap); 1% on other eligible categories (₹500 cap; ₹100 minimum)
Are points and cashback the same?
HDFC is phasing out this original variant and migrating eligible holders in stages to ORNGE or BLCK. Your bank communication sets your migration date and offer; these estimates describe the original card before migration. 10% Swiggy app (₹1,500/billing-cycle cap; ₹249 minimum); 5% on eligible online categories (separate ₹1,500 cap); 1% on other eligible categories (₹500 cap; ₹100 minimum)
What should I compare before renewing?
The published fee, applicable tax, waiver conditions and the benefits you use. ₹2L annual spend. Exclude unused vouchers and promotional offers from your baseline.
September 2026 consumer-card MITC: utilities above ₹50,000 in a calendar month attract a 1% fee on the full eligible monthly total (maximum ₹4,999 before GST), not just the excess. Fuel purchases above ₹15,000 attract 1% on the full transaction, capped at ₹4,999 before GST. INR payments at overseas/internationally registered merchants attract 1.75% DCC markup. These charges and applicable GST are not deducted from gross reward estimates; a fuel-surcharge waiver does not waive the separate high-value fuel charge. Issuer transaction charges