← Part of HDFC Credit Cards in India
The Swiggy HDFC Bank Credit Card offers up to 10% cashback on Swiggy transactions and up to 5% on other online categories, making IT a strong contender for everyday spending in 2026. This co-branded card, launched in collaboration with Swiggy, provides an annual savings potential of up to ₹42,000 for its standard variant, per HDFC Bank data (as of March 2026).
| Parameter | Details |
|---|---|
| Card Type | Co-branded Credit Card (HDFC Bank & Swiggy) |
| Primary Benefit | Cashback on Swiggy and other online/offline spends |
| Annual Fee (Standard) | ₹500 + GST (~₹590) |
| Cashback on Swiggy App | 10% (Food, Instamart, Dineout, Genie) |
| Max Cashback on Swiggy App | ₹1,500 per billing cycle (as of 2026) |
| Cashback on Other Online Categories | 5% (Apparels, Electronics, Dept. Stores, Personal Care, Local Cabs, Home Décor, Pet Stores and Supplies, Pharmacies, Discount Stores and Entertainment) |
| Max Cashback on Other Online Categories | ₹1,500 per billing cycle (as of 2026) |
| Cashback on Other Transactions | 1% (excluding Fuel, Rent, EMI, Wallet, Jewelry, Govt. Spends) |
| Max Cashback on Other Transactions | ₹500 per billing cycle (as of 2026) |
| Annual Fee Waiver Spend Threshold | ₹2,00,000 (as of 2026) |
| Maximum Annual Savings Potential | Up to ₹42,000 (Standard variant, as of 2026) |
| Maximum Annual Savings Potential (BLCK/Ornge variants) | Up to ₹48,000 (as of March 2026) |
| Interest-Free Period | Up to 50 days |
| Contactless Payment Limit (without PIN) | ₹5,000 per transaction (in India) |
| Age Eligibility (Salaried) | 21 to 60 years |
| Age Eligibility (Self-Employed) | 21 to 65 years |
| Card Network | Visa |
The card’s cashback is automatically adjusted against the statement balance in the next billing cycle, with ₹1 cashback equaling ₹1 statement credit. This makes the Swiggy HDFC Credit Card a practical choice for frequent Swiggy users and online shoppers in India.
Card Variants & Key Features
The Swiggy HDFC Bank Credit Card portfolio includes three variants as of 2026: the original Swiggy HDFC Bank Credit Card, Swiggy BLCK, and Swiggy Ornge. These cards offer distinct cashback structures and benefits tailored for different spending habits, with annual savings potential reaching up to ₹48,000.
| Type/Category | Details | Key Feature |
|---|---|---|
| Swiggy HDFC Bank Credit Card (Original) | Co-branded credit card by HDFC Bank and Swiggy | Cashback card, annual fee of ₹500 + GST (~₹590) |
| Swiggy HDFC Bank Credit Card (Original) | Cashback on Swiggy platforms (Food, Instamart, Dineout, Genie) | 10% cashback on Swiggy purchases, up to ₹1,500 per billing cycle (as of 2026) |
| Swiggy HDFC Bank Credit Card (Original) | Cashback on various online categories | 5% cashback on online categories (Apparels, Electronics, Dept. Stores, Personal Care, Local Cabs, Home Décor, Pet Stores and Supplies, Pharmacies, Discount Stores and Entertainment) up to ₹1,500 per billing cycle |
| Swiggy HDFC Bank Credit Card (Original) | General spends cashback | 1% cashback on offline and other spends (capped at ₹500 per billing cycle) |
| Swiggy HDFC Bank Credit Card (Original) | Complimentary Swiggy One Membership | 3 months upon card activation within 30 days of issuance (as of 2026, per RBI guidelines) |
| Swiggy HDFC Bank Credit Card (Original) | Annual Fee Waiver | Spend ₹2,00,000 or more in a year before the renewal date |
| Swiggy BLCK HDFC Bank Credit Card | Premium variant for lifestyle spenders | 10% cashback on Swiggy (Food, Instamart, Dineout) up to ₹1,500/month |
| Swiggy BLCK HDFC Bank Credit Card | Cashback on premium partner platforms | Up to 5% cashback on leading entertainment, travel, and e-commerce platforms |
| Swiggy BLCK HDFC Bank Credit Card | Membership benefit | Complimentary 3-month Swiggy One BLCK membership |
| Swiggy BLCK HDFC Bank Credit Card | Joining and Annual Fee | ₹1,000 |
| Swiggy Ornge HDFC Bank Credit Card | Entry-level variant for frequent everyday shoppers | 5% cashback across Swiggy (Food, Instamart, Dineout) up to ₹1,500/month |
| Swiggy Ornge HDFC Bank Credit Card | Cashback on online categories | 5% cashback on a broad range of online categories from travel to local cabs |
| Swiggy Ornge HDFC Bank Credit Card | Membership benefit | 12-month Swiggy One membership |
| Swiggy Ornge HDFC Bank Credit Card | Joining and Annual Fee | ₹500 + applicable taxes (as of 2026) |
| All Swiggy HDFC Bank Credit Cards | Interest-free period | Up to 50 days from the purchase date |
| All Swiggy HDFC Bank Credit Cards | Contactless Payment | Enabled for transactions up to ₹5,000 without PIN in India |
These variants cater to diverse user needs, from daily food orders to broader online shopping, with the original Swiggy HDFC Credit Card offering up to ₹42,000 in annual savings (as of 2026).
Cashback & Savings Data 2026
The Swiggy HDFC Bank Credit Card offers up to 10% cashback on Swiggy transactions and 5% on other online categories, with an annual savings potential of up to ₹42,000. For 2026, the expanded portfolio including Swiggy BLCK and Ornge cards can yield up to ₹48,000 in annual savings for frequent users.
| Metric | Value | Source |
|---|---|---|
| Cashback on Swiggy App (Food, Instamart, Dineout, Genie) | 10% (up to ₹1,500 per billing cycle) | HDFC Bank (as of 2026) |
| Cashback on various online categories (Apparels, Electronics, Travel, Cabs) | 5% (up to ₹1,500 per billing cycle) | HDFC Bank (as of 2026) |
| Cashback on other eligible spends (excluding Fuel, Rent, EMI, Wallet, Jewelry, Govt.) | 1% (up to ₹500 per billing cycle) | HDFC Bank (as of 2026) |
| Minimum transaction for 10% cashback on Swiggy (Standard Card) | ₹249 (effective April 17, 2026) | HDFC Bank (as of 2026) |
| Minimum transaction for 5% cashback on Swiggy (Ornge Card) | ₹249 | HDFC Bank (as of 2026) |
| Annual Savings Potential (Swiggy HDFC Credit Card) | Up to ₹42,000 | HDFC Bank (as of 2026) |
| Annual Savings Potential (Expanded Portfolio: BLCK & Ornge Cards) | Up to ₹48,000 | HDFC Bank (as of 2026) |
| Complimentary Swiggy One Membership (Standard Card) | 3 Months (upon card activation within 30 days) | HDFC Bank (as of 2026) |
| Complimentary Swiggy One BLCK Membership (BLCK Card) | 3 Months | HDFC Bank (as of 2026) |
| Complimentary Swiggy One Membership (Ornge Card) | 12 Months | HDFC Bank (as of 2026) |
| Renewal Fee Waiver Criteria | Spend ₹2,00,000 or more in a year | HDFC Bank (as of 2026) |
| Monthly spending to maximize cashback | ₹90,000 (across various categories) | CardInsider (as of 2026) |
| Monthly spending on Swiggy platforms to maximize cashback | ₹15,000 | CardInsider (as of 2026) |
| Interest-free period | Up to 50 days | HDFC Bank (as of 2026) |
| Dining discount via Swiggy Dineout | 10% (on all restaurant bill payments) | HDFC Bank (as of 2026) |
The cashback is automatically adjusted against your statement balance in the next billing cycle, with ₹1 cashback equivalent to ₹1 statement credit. This makes the Swiggy HDFC Credit Card a strong contender for users with significant online and food delivery spending.
How to Apply for the Card
Applying for the Swiggy HDFC Bank Credit Card in 2026 involves a straightforward online process, subject to HDFC Bank’s internal credit and eligibility guidelines. Applicants must meet specific age and residency criteria to qualify for the card.
The application typically requires submission of KYC documents and income proofs, with issuance based on the bank’s assessment of your financial profile.
- Check Eligibility: Ensure you meet the age criteria (21-60 years for salaried, 21-65 years for self-employed) and are an Indian citizen.
- Gather Documents: Prepare identity proof (PAN Card, Passport, Aadhaar Card) and income proof (salary slips, bank statements, ITR for self-employed).
- Visit HDFC Bank Website: to the official HDFC Bank website and locate the Swiggy HDFC Bank Credit Card application page.
- Fill Application Form: Complete the online application form with accurate personal, employment, and financial details.
- Upload Documents: Upload scanned copies of the required KYC and income documents as prompted by the application portal.
- Submit Application: Review all entered information for accuracy and submit your application online.
- Credit Assessment: HDFC Bank will conduct an internal credit assessment based on your CIBIL score and eligibility.
- Card Issuance: Upon successful verification and approval, the Swiggy HDFC Bank Credit Card will be issued and dispatched to your registered address.
Existing HDFC Bank cardholders are also eligible to apply for the Swiggy HDFC Bank Credit Card, potentially streamlining the application process.
Benefits & Exclusive Perks
The Swiggy HDFC Credit Card offers significant cashback and savings for frequent Swiggy users and online shoppers in India. Cardholders can achieve annual savings of up to ₹42,000, primarily through accelerated cashback on Swiggy platforms and other online categories (Source: HDFC Bank, 2026).
- 10% Cashback on Swiggy: Cardholders receive 10% cashback on all Swiggy transactions, including food orders, Instamart, Dineout, and Genie. This benefit is capped at ₹1,500 per billing cycle (Source: HDFC Bank, 2026).
- 5% Cashback on Online Spends: A 5% cashback is applicable on various online categories such as apparel, electronics, department stores, and personal care. This cashback is also capped at ₹1,500 per billing cycle (Source: HDFC Bank, 2026).
- 1% Cashback on Other Spends: A 1% cashback applies to all other eligible transactions, excluding fuel, rent, EMI, wallet, jewelry, and government-related spends. This benefit has a maximum CAP of ₹500 per billing cycle (Source: HDFC Bank, 2026).
- Complimentary Swiggy One Membership: Upon card activation within 30 days of issuance, cardholders receive a complimentary 3-month Swiggy One membership (Source: HDFC Bank, 2026). This membership provides free deliveries and exclusive discounts.
- Annual Fee Waiver: The annual fee of ₹500 + GST (~₹590) is waived if the cardholder spends ₹2,00,000 or more in the preceding year, before the credit card renewal date.
- Dining Discounts: Cardholders can enjoy a 10% discount on all restaurant bill payments made via Swiggy Dineout using the card (Source: HDFC Bank, 2026).
- EMI Conversion Option: Large expenditures made with the Swiggy HDFC Credit Card can be converted into convenient Equated Monthly Installments (EMIs) post-purchase.
These benefits position the Swiggy HDFC Credit Card as a valuable tool for maximizing savings on everyday online and dining expenses.
Swiggy HDFC vs HDFC Millennia
The Swiggy HDFC Credit Card has surpassed the HDFC Millennia card in popularity for cashback benefits, especially for frequent Swiggy users. As of 2026, the Swiggy HDFC card offers 10% cashback on Swiggy transactions, while the Millennia card provides 5% cashback on select online partners including Swiggy.
Both cards target different spending patterns, with the Swiggy HDFC card focusing on food and online categories, and the Millennia card offering broader online and offline benefits.
| Feature | Swiggy HDFC Credit Card | HDFC Millennia Credit Card |
|---|---|---|
| Cashback on Swiggy (Food, Instamart, Dineout, Genie) | 10% (up to ₹1,500 per billing cycle) | 5% (on select online partners including Swiggy) |
| Cashback on other online spends | 5% (on specific categories like Apparels, Electronics, Dept. Stores, Personal Care) | 5% (on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato) |
| Cashback on other categories | 1% (up to ₹500 per billing cycle, excluding fuel, rent, EMI, wallet, jewelry, government spends) | 1% (on all other spends) |
| Annual Fee (2026) | ₹500 + GST (~₹590) | ₹1,000 + GST (~₹1,180) |
| Annual Fee Waiver | Spend ₹2,00,000 or more in a year | Spend ₹1,00,000 or more in the previous 12 months |
| Complimentary Swiggy One Membership | 3 months (upon card activation within 30 days of issuance, as per 2026 RBI guidelines) | Not applicable |
| Lounge Access | No dedicated lounge access benefits | Quarterly spend milestone program (Dreamfolks airport lounge access voucher or ₹1,000 voucher) |
| Maximum Annual Savings Potential (2026) | Up to ₹42,000 | Up to ₹48,000 (across various categories) |
| Interest-Free Period | Up to 50 days | Up to 50 days |
| Eligibility Age (Salaried) | 21 to 60 years | 21 to 60 years |
| Eligibility Age (Self-Employed) | 21 to 65 years | 21 to 65 years |
The Swiggy HDFC Credit Card is ideal for users with high spending on Swiggy and specific online categories. The HDFC Millennia card offers broader cashback across various online platforms and includes lounge access benefits.
Eligibility & Documentation
To apply for the Swiggy HDFC Bank Credit Card in 2026, applicants must be Indian citizens between 21 and 60 years for salaried individuals, or 21 and 65 years for self-employed individuals. HDFC Bank assesses each application based on internal credit and eligibility guidelines, including income and existing credit history.
- Age Criteria: Salaried applicants must be 21-60 years old, while self-employed individuals can be 21-65 years old.
- Citizenship: The card is available exclusively to Indian citizens, including existing HDFC Bank cardholders.
- Income Requirements: HDFC Bank evaluates annual income to determine eligibility and set appropriate credit limits.
- Credit History: A strong CIBIL score and a good repayment history are for approval.
- Required Documents: Standard KYC documents like PAN Card, Aadhaar Card, Passport, or Voter ID are necessary for identity and address verification.
Meeting these criteria helps ensure a smoother application process for the Swiggy HDFC Bank Credit Card.
Fees & Charges 2026
The Swiggy HDFC Bank Credit Card (Ornge variant) carries an annual fee of ₹500 plus applicable taxes as of 2026. The premium Swiggy BLCK HDFC Bank Credit Card has a joining fee of ₹1,000 plus taxes. These fees are competitive for co-branded cashback cards in India.
| Charge Type | Amount (₹) | Details |
|---|---|---|
| Joining Fee (Swiggy Ornge HDFC Bank Credit Card) | 500 + applicable taxes (~590) | For the base variant; charged in the first year. |
| Renewal Fee (Swiggy Ornge HDFC Bank Credit Card) | 500 + applicable taxes (~590) | Applicable from the second year; waived on yearly spending of ₹2 lakh or more. |
| Joining Fee (Swiggy BLCK HDFC Bank Credit Card) | 1,000 + applicable taxes | For the premium variant. |
| Renewal Fee (Swiggy BLCK HDFC Bank Credit Card) | 1,000 + applicable taxes | Applicable from the second year. |
| Reissue Charges | 100 + applicable taxes | For lost or damaged cards. |
| Dynamic Currency Conversion Markup Fee | 3.5% of transaction amount | Applicable on international transactions. |
The annual fees for both Swiggy HDFC Credit Card variants can be offset by the cashback benefits, especially for frequent Swiggy users.
Key Takeaways
- The Swiggy Ornge HDFC Bank Credit Card has an annual fee of ₹500 + taxes (2026), which can be waived with ₹2 lakh annual spending.
- The premium Swiggy BLCK HDFC Bank Credit Card carries a higher joining and renewal fee of ₹1,000 + taxes.
- Both cards include a 3.5% dynamic currency conversion markup fee for international transactions.
Review the specific terms and conditions on the HDFC Bank website to understand all applicable charges before applying.
Frequently Asked Questions (FAQs)
What is the Swiggy HDFC Bank Credit Card?
The Swiggy HDFC Bank Credit Card is a co-branded cashback credit card launched by HDFC Bank and Swiggy. IT offers cashback on Swiggy orders, dining, and various online spending categories. This card is designed for frequent Swiggy users and online shoppers in India, providing specific benefits for food delivery and quick commerce.
What cashback can I get with the Swiggy HDFC Bank Credit Card?
The Swiggy HDFC Bank Credit Card offers up to 10% cashback on Swiggy transactions, including food delivery and Instamart. You can also get 5% cashback on various online categories like apparel, electronics, and dining. Other transactions typically earn 1% cashback, with specific exclusions like Swiggy Money Wallet.
How is cashback credited for the Swiggy HDFC Bank Credit Card?
Cashback earned on the Swiggy HDFC Bank Credit Card is automatically adjusted against your statement balance. This adjustment occurs in the next billing cycle. Each ₹1 of cashback equals ₹1 of statement credit, directly reducing your outstanding amount.
What are the eligibility criteria for the Swiggy HDFC Bank Credit Card?
To be eligible for the Swiggy HDFC Bank Credit Card, applicants must generally be Indian residents between 21 and 60 years old. Salaried individuals typically need a minimum monthly income of ₹25,000, while self-employed individuals may need an annual income of ₹6 lakh or more. A CIBIL score of 750 or higher is usually preferred by HDFC Bank.
Are there different variants of the Swiggy HDFC Bank Credit Card?
Yes, as of March 2026, HDFC Bank offers multiple variants, including the Swiggy HDFC Bank Credit Card, Swiggy BLCK HDFC Bank Credit Card, and Swiggy Ornge HDFC Bank Credit Card. The BLCK and Ornge cards offer d cashback and benefits across lifestyle and travel platforms like Nykaa and Cleartrip. Each variant targets different spending patterns and offers varying cashback rates.
What are the fees for the Swiggy HDFC Bank Credit Card?
The Swiggy HDFC Bank Credit Card typically has a joining fee and an annual fee, which can often be waived upon achieving a certain spending threshold. For instance, the annual fee might be waived if you spend over ₹2 lakh in the previous year. Always verify the latest fee structure directly with HDFC Bank as of 2026.
Can I convert large purchases into EMIs with the Swiggy HDFC Bank Credit Card?
Yes, the Swiggy HDFC Bank Credit Card offers an option to convert large spends into EMIs after the purchase. This feature allows you to manage significant expenses by spreading them over fixed monthly installments. You can find more details and terms on the HDFC Bank website.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.