Swiggy HDFC Card Review: The 'Zomato Killer'?
🍕 Order Food? Get 10% Back.
Flat 10% Cashback on Swiggy & Instamart. Plus 5% on 1000+ Apps.
Apply Now (Swiggy HDFC) →The Foodie's Dream Card
For years, Zomato and Swiggy users had to rely on generic cards for 5% cashback. That changed when HDFC partnered with Swiggy to launch this co-branded beast.
The premise is simple: Unmatched Cashback on Food Delivery.
Benefit 1: 10% Cashback on Swiggy
This is the headline feature. You get 10% Cashback on:
- Swiggy Food Delivery
- Swiggy Instamart (Groceries)
- Swiggy Dineout (Restaurant Bills)
- Swiggy Genie
The Cap: Maximum cashback is ₹1,500 per month on this category. This means you earn 10% on your first ₹15,000 spends. That is a generous limit for food.
Benefit 2: 5% Cashback on Online Shopping
Most co-branded cards (like Amazon Pay) only restrict you to their platform. The Swiggy HDFC card surprises here.
You get 5% Cashback on 1000+ top apps and websites, including:
- Amazon & Flipkart (Yes, really)
- Myntra, Ajio, Nykaa
- Ola, Uber
- BookMyShow
The Cap: Maximum cashback is ₹1,500 per month on this category too. (Spend limit: ₹30,000).
Benefit 3: Free Swiggy One Membership
Upon card activation, you get a Complimentary 3-Month Swiggy One Membership. This gives you Free Delivery on food and groceries. While it's not a lifetime benefit, it's a nice welcome gift tailored to the user profile.
Comparison: Swiggy HDFC vs SBI Cashback
| Feature | Swiggy HDFC | SBI Cashback |
|---|---|---|
| Food Delivery | 10% (Swiggy only) | 5% (Swiggy & Zomato) |
| Online Shopping | 5% (Select Apps) | 5% (All Sites) |
| Fee | ₹500 | ₹999 |
| Cashback Type | Swiggy Money (Credits) | Statement Credit (Cash) |
⚠️ Important: The Cashback Form
Unlike SBI Cashback (which gives real cash to your bank statement), HDFC Swiggy gives you Swiggy Money. You can only use this to order more food. You cannot withdraw it to your bank.
Verdict: Should You Apply?
Yes, if you order Swiggy 3+ times a week.
The 10% return is unbeatable. If you spend ₹5,000 a month on food/groceries, you save ₹500 (₹6,000 a year). For a ₹500 fee card, the ROI is massive.
However, if you are a Zomato loyalist, this card is useless for you. Go for the SBI Cashback instead.
Calculated Choices, Zero Regrets.
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