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Swiggy HDFC BankHDFC Bank
Fees & charges
| Joining fee | ₹500 + applicable taxes |
|---|---|
| Annual / renewal fee | ₹500 + applicable taxes |
| Renewal-fee waiver | ₹2 lakh/year (renewal fee waived on annual spends of ₹2,00,000 or more) |
| Network | Mastercard (World tier) |
Rewards & benefits
| Reward rate | 10% cashback on Swiggy app (Food, Instamart, Dineout, Genie) up to ₹1,500/cycle; 5% on select online categories up to ₹1,500/cycle; 1% on other spends up to ₹500/cycle (excl. Fuel, Rent, EMI, Wallet, Jewellery, Govt.). Credited as statement credit. |
|---|---|
| Welcome benefit | Complimentary 3-month Swiggy One membership on card activation (extended 3 months if already a member) |
| Lounge access | None (no lounge access stated) |
| Key benefits | Food/lifestyle cashback card: 10% back on Swiggy, 5% online, 1% elsewhere, plus free Swiggy One membership |
Eligibility & status
| Eligibility / income | Salaried: min ₹15,000/month, max age 60; Self-employed: min ₹6 lakh/year per ITR, max age 65 |
|---|---|
| Status note | active |
Sources compared — HDFC's MITC (PDF) vs the card's microsite
Every fact is shown from both of HDFC's own sources so you can verify it yourself — the MITC PDF ↗ (the binding fee document) and the product microsite ↗. Nothing is omitted or paraphrased.
| Fact | 📄 MITC PDF | 🔗 Microsite | |
|---|---|---|---|
| Joining / annual fee | ₹ 500MITC v4.3, fee table L601-604 | Joining Fee / Renewal Membership Fee – ₹500 /- + Applicable Charges | ✓ |
| Fee waiver (min spend) | ₹2 lakh / AnnumMITC v4.3, fee table L601-604 | Spend ₹2,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off | ✓ |
| Fuel surcharge waiver | NOT STATEDMITC v4.3, fee table L601-604 | NOT STATED | |
| Forex markup | 3.5%MITC v4.3, fee table L601-604 | NOT STATED | • |
| Reward rate | Not in MITC (product term) | 10% CashBack on spends across Swiggy App on Food orders, Instamart, Dineout & Genie. 5% CashBack on online spends across multiple apps and website. 1% CashBack on other category spends, except for fuel, rent, EMI, wallet, jewellery and Government related transactions* | • |
| Welcome benefit | Not in MITC | Complimentary 3 Months Swiggy One Membership, on activating your card within first 30 days of card issuance. | • |
| Lounge access | Not in MITC | None (no lounge access stated) | • |
| Eligibility | Not in MITC | Salaried - Nationality: Indian; Age: 21 – 60 years; Income (Monthly) - ₹15,000 and above. Self-Employed - Age : 21 – 65 years; Annual ITR > ₹6,00,000 | • |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Microsite values are captured VERBATIM from each card's live HDFC page (fetched 2026-07-04). Quality of capture: rich 55, partial 15, thin 4. Open the linked page to verify. See the full schedule of charges → (finance charges, cash-advance, late-fee slabs…), all cited to the MITC.
Verbatim quotes captured from the live microsite
- Joining Fee / Renewal Membership Fee – ₹500 /- + Applicable Charges
- Spend ₹2,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off
- 10% CashBack on spends across Swiggy App on Food orders, Instamart, Dineout & Genie.
- Complimentary 3 Months Swiggy One Membership, on activating your card within first 30 days of card issuance.
- Income (Monthly) - ₹15,000 and above
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