Swiggy HDFC Bank Credit Card
Being phased out: HDFC Bank is moving holders to the Swiggy Ornge or Swiggy BLCK variants. Kept on record so its terms stay traceable; never recommended. Every figure below is copied from HDFC Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-15.
This card is not open to new applicants. It is kept on record so the history stays traceable, and it is never recommended.
Not on record from an official document: foreign-currency markup. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹500 plus GST Fee schedule |
|---|---|
| Annual fee | ₹500 plus GST Fee schedule |
| Annual fee waiver | On ₹2,00,000 of spend in the year Terms |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | Not on record |
Rewards
Cashback.
| Spend | Earns | Cap |
|---|---|---|
| Swiggy app: food, Instamart and Dineout | 10% cashback Terms | up to ₹1,500 a statement cycle Product page |
| Listed online categories | 5% cashback Terms | up to ₹1,500 a statement cycle Product page |
| Other categories | 1% cashback Product page | up to ₹500 a statement cycle Product page |
No rewards on
- Fuel, rent, jewellery, government spends, gift cards, EMI and wallet loads Terms
Benefits
- Lounges: none on record
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Documents that disagree
- Forex: the fees page gives 3.5% labelled as a dynamic currency conversion markup, while the MITC gives 1.75% for that markup from 15 May 2026.
Disputed figures are not used as if they were certain.
The quotes behind the figures
15 figures, each copied from an official HDFC Bank document.
Show every quote and source
“Joining Fee: ₹500 plus Applicable Taxes”
“Renewal Fee: ₹500 plus Applicable Taxes”
“Renewal year fee waived off upon spending Rs.2,00,000 and above annually using the Swiggy HDFC Bank Credit Card.”
“Earning 10% Cashback using Swiggy HDFC Bank Credit Card is applicable only on transaction done on Swiggy Food ordering, Instamart and Dineout.”
“You are eligible to earn 10% Cashback* on Swiggy App transactions (Food ordering, Instamart, Dineout) up to ₹,1500 per billing cycle.”
“5% Cashback will only be accrued on online transactions done on following categories with Swiggy HDFC Bank Credit Card - Apparels, Electronics, Department Stores, Online Pet Stores and Supplies”
“With Swiggy HDFC Bank Credit Card, you can enjoy 5% Cashback* on various online categories up to ₹1,500 per billing cycle.”
“1% CashBack* on other category spends, except for fuel, rent, EMI, wallet, jewellery and Government related transactions.”
“Over and above this, you can also enjoy 1% CashBack* on other categories up to ₹500 per billing cycle except on Fuel, Rent, EMI, Wallet, Jewelry and Govt. related spends.”
“Exclusions - Fuel, Rent, Jewellery, Govt. spends, Gift Cards, EMI & Wallet”
“Swiggy HDFC Bank Credit card is being phased out.”
“The Bank has started a phased transition of existing Swiggy HDFC Bank Credit Card holders to either Swiggy Ornge or Swiggy BLCK variants.”
“In absence of your preference received to the bank within stated timeline, your card will be migrated to Swiggy Ornge HDFC Bank Credit Card as per the bank's process which is a life time free credit card.”
“Please note that the communication rollout is phase wise and will continue until March 2027 for all existing Swiggy HDFC Bank Credit Card holders.”
“Swiggy HDFC Bank Credit Card is offered only under Mastercard World platform currently.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with HDFC Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is HDFC Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology