# Swiggy HDFC Bank (HDFC)

> People who order on Swiggy several times a week.

- Page: https://creditselect.in/cards/swiggy-hdfc
- Annual fee: ₹500 plus GST, waived on spends of ₹2,00,000 a year
- Network: Mastercard
- Rewards paid as: Cashback to your statement
- Lounge visits: none
- Foreign currency markup: 3.5%
- Typical minimum income: ₹25,000 a month
- Details last checked: 2026-10-23

## Rewards

| Where you spend | Back | Monthly limit |
|---|---|---|
| Swiggy, Instamart, Dineout | 10% | ₹1,500 |
| Online shopping & services | 5% | ₹1,500 |
| Everything else | 1% | |

No rewards on: fuel, rent, bills, upi.

## How to get the most from it

1. 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.
2. The 10% on Swiggy needs each order to be ₹249 or more.
3. 10% on Swiggy is capped at ₹1,500 cashback a month, so it covers up to ₹15,000 of orders.
4. Use it for Myntra, Nykaa and Uber to earn 5% in a separate cap.
5. Cashback reaches you as Swiggy Money, so it suits regular Swiggy users.
6. Spend ₹2 lakh a year to get the fee waived.

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Source: CreditSelect (https://creditselect.in). Banks change terms often; confirm on HDFC's website before applying.