HDFC Swiggy Card
HDFC · Entry · MC
Annual Fee
₹500
Fee Waiver
₹2L annual spend
Lounge Access
None
Best Rate
10%
Network
MC
✅ Data verified March 2026
Reward Rates by Category
🍽️Dining
10%
🛒Online Shopping
5%
🎬Entertainment
5%
🛍️Shopping
5%
✈️Travel
1%
🥦Groceries
1%
⛽Fuel
0%
💡Utilities
0%
How Points Work
10% Swiggy, 5% online, 1% other · ₹1500/mo total cap · Min ₹100 txn
🚀 Boosted Rates (Partners & SmartBuy)
Swiggy10% cashback (cap ₹1500/mo)
Online (apparel, electronics, entertainment)5% (cap ₹1500/mo)
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
10% on Swiggy5% on online shoppingFee waiver on ₹2L₹500 joining voucher
PROS
✅ Best for Swiggy users (10%)
✅ 5% on online categories
✅ Low fee (waivable)
CONS
⚠️ ₹1500/mo total cashback cap
⚠️ Fuel/utilities excluded
⚠️ Min ₹100 per transaction
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