"10% cashback on all Swiggy orders, Instamart, Dineout and Genie โ plus 5% on popular online brands for just โน500/year"
No ratings yet โ be the first to rate below!
Quick Summary
๐ณ Joining Fee
โน500 + GST
๐ Renewal Fee
โน500 + GST
Waived: Annual fee waived on spending โน2 lakh or more before the renewal date
๐ฏ Best Suited For
Frequent Swiggy users who order food, groceries via Instamart, and dine out via Dineout regularly; also great as a companion card for 5% savings on Amazon, Flipkart, Myntra and other popular online platforms
๐ Reward Type
Direct Cashback โ auto-credited as statement credit; no points to track or redeem
๐ Welcome Benefit
3-month complimentary Swiggy One membership (worth โน1,199) on card activation โ includes unlimited free deliveries, exclusive restaurant discounts, Instamart benefits; if you already have Swiggy One, it gets extended by 3 months
๐ฐ Reward Rate
10% cashback on all Swiggy app spends (Food Ordering, Instamart, Dineout, Genie) โ minimum transaction โน249 (effective April 2026); capped at โน1,500 per billing cycle; 5% cashback on online categories (Amazon, Flipkart, Myntra, Apparels, Electronics, Dept. Stores, Personal Care, Local Cabs, Home Dรฉcor, Pet Stores, Pharmacies, Entertainment) โ minimum โน100, capped at โน1,500 per billing cycle; 1% cashback on other eligible spends (offline) capped at โน500 per billing cycle; no cashback on fuel, rent, wallet, EMI, jewellery, government transactions
โ๏ธ Lounge Access
No airport lounge access โ positioned as a cashback card, not a travel card
10% cashback on all Swiggy services โ food, Instamart, Dineout, Genie
5% cashback on 30+ popular online platforms and brands
Lowest annual fee among dining/cashback cards at โน500
3-month Swiggy One membership (โน1,199) far exceeds joining fee
Cashback auto-credited โ zero effort
Mastercard World golf benefits (4 rounds + 12 lessons)
5% on Cleartrip flights and hotels added April 2026
โ Cons
No airport lounge access
High forex markup of 3.5%
Minimum transaction โน249 required for 10% Swiggy cashback (from April 2026)
Swiggy Money Wallet, Liquor and Minis excluded
No cashback on fuel, utilities, insurance
Best suited for Swiggy ecosystem only โ less versatile outside
๐ Rewards & Benefits
Reward Type
Direct Cashback โ auto-credited as statement credit; no points to track or redeem
Welcome Benefits
3-month complimentary Swiggy One membership (worth โน1,199) on card activation โ includes unlimited free deliveries, exclusive restaurant discounts, Instamart benefits; if you already have Swiggy One, it gets extended by 3 months
Reward Rate
10% cashback on all Swiggy app spends (Food Ordering, Instamart, Dineout, Genie) โ minimum transaction โน249 (effective April 2026); capped at โน1,500 per billing cycle; 5% cashback on online categories (Amazon, Flipkart, Myntra, Apparels, Electronics, Dept. Stores, Personal Care, Local Cabs, Home Dรฉcor, Pet Stores, Pharmacies, Entertainment) โ minimum โน100, capped at โน1,500 per billing cycle; 1% cashback on other eligible spends (offline) capped at โน500 per billing cycle; no cashback on fuel, rent, wallet, EMI, jewellery, government transactions
Reward Redemption
Cashback automatically credited as statement credit โ no redemption needed, no portal, no effort. Also earn IndiGo BluChip points: 1 BluChip per โน250 on Swiggy platforms (redeemable for IndiGo flights)
Fuel Surcharge Waiver
No fuel surcharge waiver
Lounge Access
No airport lounge access โ positioned as a cashback card, not a travel card
Spend Based Fee Waiver
Annual renewal fee waived on โน2 lakh+ spend before renewal date
Milestone Benefits
No specific milestone benefits; the annual fee waiver on โน2L spend is the primary milestone; 5% cashback on Cleartrip flights and hotels (added April 2026)
Other Benefits
Mastercard World benefits: 4 complimentary golf rounds per year + 12 free golf lessons (50% off additional rounds); hotel discounts via Agoda (up to 12% off); complimentary stay and dinner for one at select Mastercard partner hotels; 5% cashback on Cleartrip flights and hotels (added April 2026); contactless payments; SMS HDFC card hotlist for instant block
โจ Special Perks & Exclusive Offers
Memberships
Swiggy One (3 months complimentary as welcome benefit)
Insurance Cover
Zero lost card liability on immediate reporting
Add-on Cards
Add-on cards available
Concierge Services
Details coming soon
Special Offers
Golf: 4 green fee rounds + 12 lessons via Mastercard World; 5% on Cleartrip; IndiGo BluChips on Swiggy spends; Agoda hotel discounts
๐ณ Fees & Interest Rates
Joining Fee
โน500 + GST
Annual Fee / Renewal Fee
โน500 + GST โ Waived on: Annual fee waived on spending โน2 lakh or more before the renewal date
Interest Rate (APR)
๐กPay your balance in full each month and this never applies to you.
3.6% per month (43.2% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โน500
Late Payment Charges
As per HDFC Bank prevailing slab; typically โน100โโน1,300 based on outstanding
Over Limit Charges
2.5% of overlimit amount, minimum โน550
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Minimum transaction โน249 for 10% Swiggy cashback (effective April 17, 2026); Swiggy Money Wallet, Swiggy Liquor, Swiggy Minis excluded from cashback; apply via HDFC Bank or Swiggy app
๐ Eligibility & Credit Limit
Eligibility Criteria
Age 21+ years; salaried: minimum โน25,000/month net income; self-employed: annual ITR โน6 lakh+; Indian resident; good credit history; existing HDFC Bank credit card holders can apply as additional card (if on invite list)
Credit Score Requirement
720+ CIBIL score recommended
Credit Limit
Based on income and HDFC Bank credit assessment; minimum โน25,000
๐ EMI, Balance Transfer & Debt Management
EMI Conversion
Available on transactions above โน2,500; Smart EMI and instant EMI conversion
Balance Transfer Facility
Available from other bank credit cards; 1% processing fee, minimum โน250
Balance Transfer Interest Rate
As per HDFC Bank prevailing rates
Balance Transfer Charges
Details coming soon
๐ Security & Fraud Protection
Card Block Feature
SMS BLOCK to 5676712; instant block via HDFC Bank app
Instant Fraud Alerts
SMS and email alerts for every transaction
Purchase Protection
Zero liability on immediate reporting of card loss
Virtual Card Numbers
Virtual card via HDFC MyCards app
Zero Liability Protection
Zero liability on unauthorized transactions after immediate reporting
American Express 
AU Small Finance Bank 
Axis Bank 
Bank of Baroda 
Federal Bank 
HDFC Bank 
HSBC Bank 
ICICI Bank 
IDFC First Bank 
Indusind Bank 
Kotak Bank 
RBL Bank 
SBI Card 
Standard Chartered Bank 
YES Bank 
Leave a Reply