Credit Card Compare

Swiggy HDFC Bank Credit Card

Data last updated 25 October 2026
45.00%
Purchase rate
₹500
Annual fee
50 days
Interest-free

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Application

CardIQ

60Good

Good

Overall score, out of 100 · How this works

  • Cashback98
  • Rewards23

Customer reviews

No reviews yet. Be the first to review the Swiggy HDFC Bank Credit Card.

Pros & cons

What's good

  • Earns cashback on eligible spending.
  • No fee to add an additional cardholder.

Worth noting

  • ₹500 plus applicable taxes for both joining and renewal fee. Renewal fee waived if ₹2 lakh or more spent in a year before renewal date (excludes Cash on Call, Balance Transfer, Cash Withdrawal). Add-on card fee is Lifetime Free. GST not included in stated fee.
  • Requires a minimum income of ₹1,80,000 a year.
  • Earns no rewards points on spending.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Not published
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
None

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
21 years old
Minimum income
₹1,80,000 p.a.
Residency
Indian
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹500 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹550

Repayments

Interest-free period
Up to 50 days on purchases
Minimum repayment
5% of the total outstanding amount or ₹200, whichever is higher

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Cashback

Cashback cap
₹1,500 per month
Ongoing cashback
10% on eligible spend

10% on Swiggy App (Food, Instamart, Dineout), capped at ₹1,500 per billing cycle; 5% on online spends (capped at ₹1,500/cycle); 1% on other categories (capped at ₹500/cycle). Excludes fuel, rent, EMI, wallet, jewellery, government transactions.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Interest-free days50 daysTop 10% (8th of 73 cards)
Purchase rate45.00%Top 25% (21st of 91 cards)
Overseas fee3.50%Better than most (33rd of 91 cards)
Annual fee₹500 a yearBetter than most (35th of 91 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
HDFC Bank