HDFC • MasterCard

Swiggy HDFC Bank

Name: Swiggy HDFC Bank
Brand: HDFC
SKU: swiggy-hdfc
Price: 500 INR
Availability: InStock

10% cashback on Swiggy, 5% on many online merchants, and 1% on most other eligible spends.

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Annual Fee₹500Waived on ₹2 Lakhs spend

Base Reward1.0%On all spends

Lounge AccessNoNo lounge access listed

Est. Annual Savings₹14,628Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Monthly spend

₹30,000 / mo

₹3,60,000 / year

Estimated rewards₹3,600

Assumes base reward rate only.

Annual feeWaived

Waived on ₹2 Lakhs spend

Net value₹3,600

Estimated savings per year.

Fee waiver target: ₹2,00,000 annual spend.Reward cap applied at ₹42,000/yr (not reached).Category caps apply for certain spends.

Reward Rate Breakdown

Category-wise reward rates for this card

Dining

10.0%

Online

5.0%

Shopping

5.0%

Basedefault

1.0%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

Cashback has shifted to statement credit format under updated issuer communication.
Card works best as a two-bucket optimizer (Swiggy + online merchants), not as an uncapped online card.
The third 1% bucket contributes less value after first two buckets are exhausted.

Best Utilization

Reserve this card for Swiggy spends and eligible 5% online merchants first each cycle.
After crossing Swiggy/online caps, move spend to SBI Cashback or an uncapped online card.
Track monthly bucket burn-down; do not route low-value offline spends here by default.

Watchouts

Avoid assuming all online MCCs qualify for 5%; exclusions exist.
Heavy spenders can hit monthly caps early and see falling effective reward rate.
Re-check Swiggy One and partner benefit terms each cycle for offer changes.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

Joining fee₹500
Annual fee₹500
Waiver threshold₹2,00,000
Cap typemixed
Cap resetstatement-cycle
Last verified2026-02-13

Redemption Truth

Cash value/point₹1
Travel value/point₹1
Transfer partners0
Min redemption₹0
Expiry policyNot applicable; value is statement cashback, not transferable points.
Last verified2026-02-13

Lounge Truth

NetworkMasterCard
Domestic count0
International count0
Quarterly limit0
Airport-terminal rows0
Policy check2026-02-13

Reliability + Outcomes

Verification statusverified
Freshness days0
Source conflicts0
Applied reports24
Approval reports15

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

No clear same-bank upgrade path is currently detected for this card.

Lounge Eligibility Checklist

Policy fallback: Policy-only fallback: no airport lounge entitlement is listed for this cashback-focused co-branded variant.

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Swiggy HDFC Bank using your current period spend.

Your current spend (period)Set threshold manually

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

No lounge spend-unlock rule is listed for Swiggy HDFC.

Quarter / cycle rule

No lounge quarter/cycle entitlement is listed for Swiggy HDFC.

Guest access

Guest lounge access is not listed for Swiggy HDFC.

Priority Pass

Priority Pass is not listed for Swiggy HDFC.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

10% Cashback on Swiggy Food, Instamart & Dineout
5% Cashback on a broad online merchant list including Amazon, Flipkart and Myntra
1% Cashback on other spends
Complimentary Swiggy One membership as per current issuer offer
Cashback is credited as statement credit under current issuer terms

Things to Consider

Major cashback buckets are capped monthly and can saturate fast for heavy users
Merchant/MCC exclusions apply for wallet loads, rent and selected bill categories
No base airport lounge benefit in default proposition

About Swiggy HDFC Bank

Swiggy HDFC Bank is a cashback card from HDFC, best for food delivery & online shopping. It is tagged under shopping, dining, online, cashback categories in our database.

ShoppingDiningOnlineCashback