Card Details
Swiggy HDFC Bank Credit Card
This card has split into Swiggy HDFC Ornge & Swiggy HDFC Black.
Monzy Score
8.5/ 10
Excellent for diners and foodies.
Strong ~10% back in its core category; high 3.5% forex markup.
Card Issuer
HDFC Bank
Joining Fee
₹500
Annual Fee
₹500
Reward Type
—
Card Access
Standard
Earn Points
10%
On Swiggy (Food, Dineout) (max ₹1,500/Mo)
5%
On Online Cab Spends (Ola, Uber) (max ₹1,500/Mo)
5%
On Online Entertainment (Bookmyshow, Etc.) (max ₹1,500/Mo)
5%
On Online Pharmacy Spends (max ₹1,500/Mo)
Benefits
1% Fuel Surcharge Waiver
1% Cashback All Other Purchases
- 1% Cashback (Excl. Rent, Emi, Fuel)
5% Cashback Grocery on Amazon/Flipkart
5% Cashback on Dining
1% Cashback on Travel Bookings
₹500 Annual Fee
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, rent, wallet, emi, government
Estimated Returns
Swiggy app (Food, Instamart, Dineout, Genie)
cap 1500; min txn 249 from Apr2026
₹1,500
Other online spends
cap 1500
₹750
All other / offline spends
cap 500
₹0
Total Annual Return
₹27,000
7.5% Effective ROIWhat Users Are Saying
Community Feed
Feb 2026
“HDFC stopped issuing HDFC SWIGGY Credit card from”
by r/CreditCardsIndia, Feb 2026
“Hdfc Swiggy credit card”
by r/CreditCardsIndia, Mar 2026
“Is SWIGGY hdfc credit card worth it now?”
by r/CreditCardsIndia, Jul 2025
“What will happen with our existing Swiggy hdfc credit Card”
by r/CreditCardsIndia, Mar 2026
“Swiggy hdfc card actual benefits”
by r/CreditCardsIndia, Sep 2025
Frequently Asked Questions
The Swiggy HDFC Bank Credit Card charges ₹500 plus GST as a joining fee and the same ₹500 again at renewal. HDFC Bank waives the renewal fee if you spend ₹2L in the previous year, which is about ₹16,667 a month. If your card spend sits below that, treat ₹500 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
10% cashback on Swiggy is limited at ₹1500 per billing cycle.
5% cashback on online spends is limited at ₹1500 per billing cycle.
1% cashback on other spends is limited at ₹500 per billing cycle.
Renewal fee waiver on annual spends of ₹2,00,000 or more.
The card benefits has been bifurcated between two variants: ORNG & BLCK as of March 10, 2026
Please check the split card details here: Swiggy HDFC BLCK Credit Card & Swiggy HDFC ORNGE Credit Card
