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HDFC · entry tier
Swiggy HDFC Bank Credit Card
Swiggy power users — food, groceries, dining
Joining fee
₹500
Annual fee
₹500
Base rate
1%
Expert rating
8.1/10
— Real annual value
What's it actually worth for you?
₹50.0K
Gross rewards₹6,500
Fees-₹500
Net annual value+₹6,000
Value breakdown
Base rate (1%)+₹6,000
Welcome benefit+₹500
Annual fee (waived)+₹0
Joining fee (year 1)₹500
— Highlights
- 10% on all Swiggy platforms
- Swiggy One membership
- No cap on Swiggy cashback
— Reward rates
Earn by category
swiggy
10%
10% on Swiggy Food, Instamart, Dineout, Genie
online-others
5%
5% on other online (cap ₹1,500/month)