Swiggy HDFC Bank review
HDFC Bank · Mastercard · cashback discontinued Official sources Checked 31 Oct 2026
This card appears to be discontinued or closed to new applicants. We keep the page for existing holders and for reference.
At a glance
- Annual fee
- ₹500
- Joining fee
- ₹500
- Fee waiver
- ₹2,00,000 a year
- Base return
- 1% base
- Point value
- ₹1 per point
- Domestic lounge
- None found
- International lounge
- None found
Estimated net value a year
We do not estimate a yearly value for this card: it is closed to new applicants and the rules we could record do not match its issuer's current terms.
Our take: HDFC Bank has announced that this card is being phased out, with holders moved to Swiggy Ornge (lifetime free) or Swiggy BLCK. See the Swiggy HDFC BLCK and Ornge pages for the current cards.
Reward rates and caps
We do not publish reward rates for this card: it is closed to new applicants and the rules we could record do not match its issuer's current terms. Existing holders should use the issuer's own documents listed under Sources.
Other benefits
- Welcome: 3 months Swiggy One (12 months if applied via Swiggy app per CardAdvisor)
- Renewal: Fee waiver at ₹2 lakh spend
- Mastercard World perks: golf rounds, Agoda discount
- IndiGo BluChips 1 per ₹250 on Swiggy spends (CardInsider)
- Forex markup 3.5%
Eligibility
Age 21-60 salaried / 21-65 self-employed; salary ₹15,000/month or ITR ₹6 lakh (CardInsider).
Related guides
- How to read a credit card MITC
- How annual fee waivers work
- Forex markup and using a card abroad
- Credit card devaluations and what to do
FAQ
What is the annual fee of the Swiggy HDFC Bank?
₹500 a year, waived at ₹2,00,000 annual spend. Fees exclude 18% GST.
How do Swiggy HDFC Bank rewards work?
1% base, 10% at partners, capped. Cashback credited to next statement; ₹1 = 1 point.
Does the Swiggy HDFC Bank give airport lounge access?
We did not find lounge access on this card in the sources we checked.
Who is the Swiggy HDFC Bank best suited to?
This card is closed to new applicants, so we do not estimate a yearly value for it.
Sources
- HDFC Bank Swiggy card page: phased transition notice official fetched 2026-10-29
- HDFC Swiggy card migration FAQ (published 30 Sep 2026) official fetched 2026-10-29
- Swiggy HDFC Bank Credit Card T&C (18 Sep 2026) official fetched 2026-10-29
- HDFC Bank combined MITC (2 Sep 2026): fee table official fetched 2026-10-29
- CardInsider Swiggy HDFC (updated 14 May 2026) aggregator fetched 2026-10-29
- CardAdvisor review 2026 (phase-out details) aggregator fetched 2026-10-29
- CardAdvisor changes week 38 2026 aggregator fetched 2026-10-29
Not financial advice. Figures are estimates from published terms and may be outdated; confirm with HDFC Bank before you apply. Methodology.
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