Verified — 16/16 categories
HDFC · Visa
Swiggy HDFC Bank
Best forFood Delivery & Shopping
Earns10% cashback on food delivery — only at Swiggy app
1st Year / Joining Fee
₹500 + taxes
Renewal Fee
Not recorded
Fee waiver
₹2,00,000
annual spend
Network
Visa
HDFC
Swiggy HDFC Bank
VisaWhy this card may suit you
Based on the card's verified terms.
- Best suited to spending on food delivery and shopping, where it earns 10% cashback (only at Swiggy app)
- Annual fee is waived at ₹2,00,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
Food DeliveryOnly at Swiggy app10% cashback
ShoppingOnly at Amazon / Flipkart / Myntra / Nykaa partner MCCs5% cashback
Dining1% cashback
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | No reward | — | —Details
|
| Education | — | — | Education reward eligibility subject to direct institution payment channelDetails
|
| Insurance | No reward | — | —Details
|
| Utilities | — | — | Utility rewards subject to 2,000 RP/month common capDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | — | — | Grocery rewards subject to standard 1,000 RP/month cap tierDetails
|
| Dining | 1% cashback | ₹500 per statement | 1% base cashback on dining (capped ₹500/cycle)Details
|
| Food Delivery | 10% cashback | ₹1,500 per statement | Only at Swiggy appDetails
|
| Shopping | 5% cashback | ₹1,500 per statement | Only at Amazon / Flipkart / Myntra / Nykaa partner MCCsDetails
|
| Travel | — | — | HDFC verified rule for TravelDetails
|
| Government | No reward | — | —Details
|
| Wallet | No reward | — | —Details
|
| Railways | — | — | Railways transactions earn standard base rewardDetails
|
| FASTag | — | — | HDFC verified rule for FASTagDetails
|
| Jewellery | — | — | HDFC verified rule for JewelleryDetails
|
| Telecom | — | — | HDFC verified rule for TelecomDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹500 + taxes
Renewal Fee
Not recorded
Fee waiver
₹2,00,000
annual spend
Reward caps
- Food Delivery — ₹1,500 / statement (per category — Food Delivery)
- Shopping — ₹1,500 / statement (per category — Shopping)
- Dining — ₹500 / statement (per category — Dining)
Spending thresholds
- Spend ₹2,00,000 per card year → annual fee waived
Key benefits
Rewards
10% cashback on food delivery (only at Swiggy app)
Fee waiver
Annual fee waived on ₹2,00,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Food Delivery reward (10% cashback) applies only at Swiggy app — not to all food delivery spends
- Shopping reward (5% cashback) applies only at Amazon / Flipkart / Myntra / Nykaa partner MCCs — not to all shopping spends
- Food Delivery rewards are capped at ₹1,500 / statement (per category — Food Delivery)
- Shopping rewards are capped at ₹1,500 / statement (per category — Shopping)
- No reward on: Rent, Insurance, Fuel, Government +1 more
- Spend ₹2,00,000 per card year → annual fee waived
Who should consider this card
✓ Good fit if
- Your spending is concentrated in food delivery, shopping, dining
- You regularly spend only at Swiggy app
- You can reach the ₹2,00,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, insurance, fuel, which earn nothing
- Your spending is not only at Swiggy app
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 3 caps · 5 no-reward categories
Caps
- Food Delivery — ₹1,500 / statement (per category — Food Delivery)
- Shopping — ₹1,500 / statement (per category — Shopping)
- Dining — ₹500 / statement (per category — Dining)
Categories with no reward or not eligible
- Rent — No reward.
- Insurance — No reward.
- Fuel — No reward.
- Government — No reward.
- Wallet — No reward.
Milestones · 1 recorded
- Spend ₹2,00,000 per card year → benefit worth ₹500 — Annual renewal fee waiver on spending ₹2 lakh in a year.
Eligibility
Bank eligibility / internal underwriting
Specifications
- Payment network: Visa
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 3 areas
3 areas need further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
- • Fuel surcharge waiver — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
Sources & verification
Verification & sources · last checked 2026-09-22
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-22
Official product page: https://www.hdfcbank.com/
Documents used
Swiggy cashback, MCC list, billing-cycle caps, eligibility · HDFC-PASS5-05