The Swiggy HDFC has a ₹500 annual fee (waived on ₹2 lakh annual spend) and charges a 3.5% forex markup.
| Annual fee | ₹500 |
|---|---|
| Joining fee | ₹500 |
| Annual fee waived | On ₹2 lakh annual spend |
| Forex markup | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
187 online offers across 85 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Croma: Rs.12000 Discount · till 31 Oct
- EaseMyTrip: Flat Rs.7500 off · till 31 Oct
- ixigo: Rs.7500 Discount · till 31 Oct
- MakeMyTrip: Rs.7500 Discount · till 31 Oct
- Yatra: Flat Rs.7500 off · till 31 Oct
These are HDFC Bank's own offers and Mastercard network offers, so they apply to every HDFC Bank Mastercard card, not just this one. All HDFC Bank offers by category.
More about the Swiggy Hdfc Bank Credit Card
Is the Swiggy Hdfc Bank Credit Card worth it in 2026?
The Swiggy Hdfc Bank Credit Card has a joining fee and annual renewal fee of Rs. 500 each. The renewal fee is waived if you spend Rs. 2,00,000 in a year, making it cost-effective for frequent users. If you regularly order food and meet the spending criteria, this card offers good value in 2026.
Who should get the Swiggy Hdfc Bank Credit Card?
This card is ideal for frequent Swiggy users and food delivery enthusiasts who spend regularly on dining and groceries. Users who can spend Rs. 2,00,000 annually to waive the renewal fee will benefit the most from this card.
How to maximise rewards on the Swiggy Hdfc Bank Credit Card?
To maximise rewards, use the card primarily for Swiggy orders and related food delivery expenses. Ensure your annual spending crosses Rs. 2,00,000 to get the renewal fee waived, increasing your overall savings.
Best apps/sites to use the Swiggy Hdfc Bank Credit Card on?
The best app to use this card on is Swiggy for food delivery. Additionally, use it on other food and grocery apps to accumulate rewards and meet the Rs. 2,00,000 spending threshold for fee waiver.