HDFC BankVisaSwiggy Credit Card
4.2NeoFinQ editorial rating
10% cashback on Swiggy orders
- 10% cashback on Swiggy
- 5% on online food ordering
- Easy fee waiver
- Joining fee
- ₹500
- Annual fee
- ₹500
- Reward type
- cashback
- Best for
- Cashback
- Est. rewards
- ₹21,000/yr
Our verdict
Perfect for food delivery enthusiasts, especially Swiggy users.
Perfect for
- Swiggy users
- Food delivery enthusiasts
Not ideal for
- Non-food spenders
Pros & cons
- 10% cashback on Swiggy
- 5% on online food ordering
- Easy fee waiver
- Limited to food ecosystem
Rewards
10% on Swiggy (max ₹1500/mo), 5% on 1000+ online merchants (max ₹1500/mo), 1% on other spends (max ₹500/mo). Note: Effective 2024, the 10% Swiggy cap and 5% Merchant cap are separate.
| Category | Earn rate |
|---|---|
| Dining | 5% |
| Shopping | 5% |
| Travel | 3% |
| Groceries | 5% |
| Online Shopping | 5% |
| Cashback | 5% |
Welcome offer
Free Swiggy One membership for 3 months as a welcome benefit upon card activation
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- 1 complimentary domestic lounge visit per quarter (max 4 per year) subject to spending ₹1 Lakh or more in a calendar quarter.
More benefits
- Welcome Bonus: Free Swiggy One membership for 3 months as a welcome benefit upon card activation
Fees & charges
| Joining fee | ₹500 |
| Annual fee | ₹500 |
| Renewal fee | ₹500 |
| Fee waiver | Waived on annual spends of ₹1 lakh |
| Waiver threshold | Spend ₹1L/yr |
Eligibility
Min. income (annual)
₹3L
Employment
Salaried / Self Employed
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Find My Best CardSwiggy Credit Card
Annual fee ₹500