Question 1

What is the annual fee on the Swiggy HDFC Bank Credit Card and how do you get it waived?

Accepted Answer

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.

Question 2

How much cashback does the Swiggy HDFC Bank Credit Card give?

Accepted Answer

You get 10% back on Swiggy App (Food orders, Instamart, Dineout & Genie) and similar spends, capped at ₹1,500 a month. Other eligible spends earn 1%. On ₹10,000 of spend in the top category that is ₹1,000 back, so about ₹12,000 a year if you hit it every month. Fuel, Rent payments, EMI, Wallet loads earn nothing at all.

Question 3

Which spends do not earn rewards on the Swiggy HDFC Bank Credit Card?

Accepted Answer

Fuel, Rent payments, EMI, Wallet loads, Jewellery, Government transactions earn nothing on this card. Cashback is earned as Swiggy Money which can be used on the Swiggy app. Between them these cover a large part of a normal month, so work out your reward rate on eligible spend only, not on your total bill.

Question 4

What changed on the Swiggy HDFC Bank Credit Card recently and is it still worth it in 2026?

Accepted Answer

min txn for 10% Swiggy cashback raised ₹100→₹249 (Mar 2026), but not migrated to BLCK/ORNGE and added 5% Cleartrip. Mostly held value. The changes are dated Mar-Apr 2026. At ₹2L of yearly spend the card returns roughly ₹2,000 at its general rate of about 1%, against a ₹500 renewal fee. Keep it if you clear the ₹2L waiver spend and your spending really sits in the accelerated category. Drop it at renewal if you do not.

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