HDFC Bank Swiggy Credit Card Review 2026

The HDFC Bank Swiggy Credit Card is a co-branded card designed for users who love dining, food delivery, and lifestyle rewards. In many Swiggy HDFC credit card reviews, it stands out for its strong value on everyday spends, especially on food deliveries and partner spends with Swiggy. Cardholders receive attractive Swiggy credit card offers such as reward points on Swiggy orders, accelerated points on online spends, and exclusive dining benefits. The card also provides milestone benefits, annual reward bonuses, and meaningful redemption options via HDFC’s rewards portal. With no foreign currency mark-up and welcome rewards, the card appeals to millennials and frequent spenders who want better returns on food, entertainment, and lifestyle categories. Overall, the Swiggy HDFC Credit Card delivers solid value for users who frequently transact with Swiggy and other partner brands.

HDFC Bank Swiggy Credit Card Fees 2026

Here’s an updated 2026 fees table for the HDFC Swiggy Credit Card, including key charges you should know before using Swiggy HDFC credit card or evaluating Swiggy credit card offers 👇

Notes:
• The yearly fee structure for the Swiggy HDFC credit card is low, and many users recover it quickly via the card’s Swiggy credit card offers such as 10% cashback on Swiggy spends.
• If you meet the spend requirement, you can get the annual fee completely waived, making this card highly cost-effective for frequent online and food delivery users.

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HDFC Bank Swiggy Credit Card Rewards 2026

The HDFC Swiggy Credit Card continues to be a strong cashback-focused card in India, especially for users who enjoy food delivery and online shopping. With this Swiggy HDFC credit card, you earn 10% cashback on Swiggy app transactions, including food orders, Instamart, Dineout, and Genie, up to ₹1,500 per billing cycle, making it one of the best Swiggy credit card offers for frequent users.

Beyond Swiggy, the card provides 5% cashback on online spends across various e-commerce categories (capped at ₹1,500 per month) and 1% cashback on all other spends (up to ₹500 per month), giving good value across regular transactions.

Other perks include a complimentary 3-month Swiggy One membership on activation, which further boosts savings on food delivery and related services.

These tiered cashback rewards and benefits make the HDFC Swiggy credit card attractive for users who want straightforward cash returns on everyday digital spending.

Swiggy One 2026

Swiggy One is Swiggy’s all-in-one membership that enhances your Swiggy app experience with convenience, savings, and premium perks, a benefit often bundled with the HDFC Swiggy credit card as a welcome reward. Cardholders receive a complimentary 3-month Swiggy One membership on activating the Swiggy HDFC credit card, helping you unlock savings right away.

Under the Swiggy One programme, members get benefits on food delivery, Swiggy Instamart groceries, and services like Dineout and Genie. Key perks include unlimited free deliveries on eligible orders, discounted delivery and service fees, and exclusive offers on partner brands and services.

Swiggy has also introduced additional membership tiers (like Swiggy One BLCK) that offer priority support, faster delivery guarantees, and partner discounts, although access may be invite-based.

Overall, Swiggy One enhances the value of the Swiggy ecosystem, especially when paired with the HDFC card’s cashback and co-branded benefits.

Golf Benefit – HDFC Swiggy Credit Card 2026

Although the HDFC Swiggy Credit Card is primarily known for its attractive cashback and Swiggy credit card offers, it also includes lifestyle perks through the Mastercard World benefits programme. Under this, cardholders can access golf privileges, which add an extra dimension to the card’s value beyond everyday savings.

• 4 complimentary rounds of golf green fees per calendar year (typically one per month at select courses).
• 12 free golf lessons annually to improve your skills.
• 50% discount on green fees beyond the complimentary rounds at participating golf courses.
• Benefit is available through the Mastercard World programme linked to the card.

While not the main highlight compared to cashback on food and online spends, the golf benefit adds a lifestyle perk to the Swiggy HDFC credit card that some users can enjoy alongside its strong cash rewards.

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Is the HDFC Bank Swiggy Credit Card worth it? (HDFC Bank Swiggy Credit Card review India)?

Yes, it’s a great option for frequent Swiggy and online shoppers due to high cashback, low fees, and simple rewards.

What are the main HDFC Swiggy Credit Card benefits?

Key benefits include up to 10% cashback on Swiggy, 5% cashback on online spends, 1% on offline spends, and Swiggy One membership.

Is there an official HDFC Swiggy Credit Card benefits PDF available?

Yes, HDFC Bank provides a detailed benefits PDF on its official website under the Swiggy Credit Card section.

What is the HDFC Swiggy Credit Card minimum limit?

The minimum credit limit usually starts from around ₹25,000, depending on your income and credit profile.

How is the HDFC Swiggy Credit Card limit decided?

The credit limit is assigned based on your income, CIBIL score, existing HDFC relationship, and repayment history.

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Swiggy HDFC Bank Credit Card is RuPay or Visa?

The Swiggy HDFC Bank Credit Card is issued on the Visa network in India.

Where can I find the HDFC Swiggy Credit Card 5% cashback list?

The 5% cashback applies to major online merchants like Amazon, Flipkart, Myntra, and others listed by HDFC on its website.