HDFC Bank
Swiggy HDFC Bank Credit Card
Data Verified
Last checked: 25 Feb 2026Best for heavy Swiggy users who order food, groceries, or dine out frequently via the Swiggy platform.
Designed for food delivery enthusiasts, this card offers a massive 10% cashback on Swiggy (food, Instamart, Dineout, Genie), 5% on all other online spends, and 1% on offline spends.
DiningFood DeliveryOnlineCashback
Annual Fee
₹500
Annual fee waived on ₹2 lakh annual spend
Cashback
10%
Headline Rate
Forex Markup
3.5%
Standard Rate
Expert Verdict
"If Swiggy is your go-to app for food, groceries, and dining, this card is a no-brainer. The 10% headline rate is the highest category-specific cashback on any Indian credit card. 5% on other online spends makes it competitive even beyond Swiggy. Low fee, easy waiver. Verdict: India's best food + grocery cashback card."
Key Privileges
Welcome BenefitComplimentary Swiggy One membership for first year
Fee WaiverAnnual fee waived on ₹2 lakh annual spend
Interest Rate (APR)42%
Min. Income₹2.5 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. FinanceMacha may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score700
- Min. Income₹2.5 lakh per annum
- EmploymentSalaried/Self