HDFC · Mastercard
HDFC
Swiggy HDFC Bank
Mastercard
Mastercard
Illustration. Official card art comes from the bank.
Swiggy HDFC Bank
People who order on Swiggy several times a week.
Annual fee₹500 + GST
Fee waiverAt ₹2,00,000 a year
Rewards paid asCashback to your statement
Lounge visitsNone
Forex markup3.5%
Typical income₹25,000/mo
Rewards
| Where you spend | You get back |
|---|---|
| Swiggy, Instamart, Dineout Up to ₹1,500 back a month | 10% |
| Online shopping & services Up to ₹1,500 back a month | 5% |
| Everything else | 1% |
No rewards on: fuel, rent, bills, UPI.
How to get the most from it
- HDFC is moving holders to the new Swiggy Ornge (lifetime free) or BLCK (₹1,000) cards by March 2027. Check which version you will get.
- The 10% on Swiggy needs each order to be ₹249 or more.
- 10% on Swiggy is capped at ₹1,500 cashback a month, so it covers up to ₹15,000 of orders.
- Use it for Myntra, Nykaa and Uber to earn 5% in a separate cap.
- Cashback reaches you as Swiggy Money, so it suits regular Swiggy users.
- Spend ₹2 lakh a year to get the fee waived.
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Details last checked recently. Banks change terms often, so confirm on HDFC's website before applying.