HDFC Bank Swiggy Credit Card Review – CardExpert

HDFC Bank has very many rewarding credit cards with them and the recent addition to the list is the Swiggy HDFC Bank Credit Card – a nice and noteworthy co-brand dining credit card.

HDFC Swiggy Credit Card that operates on Mastercard World platform offers 10% cashback on Swiggy spends and 5% cashback on online spends.

Here’s everything you need to know about the HDFC Bank Swiggy Credit Card in it’s current form in 2025.

Overview

With the recent update, cashback on HDFC Swiggy Credit Card spends is now credited directly to the card after statement generation.

Fees

Looks like the bank decides the LTF offer and this can be confirmed as well from many reports stating that they’re not getting LTF offer even after having heavy usage on Swiggy. But it’s a great card even with a fee, so anything better than that is good to have.

*** Best Credit Card for Beginners ***

Design

The HDFC Swiggy Credit Card has a vibrant, eye-catching design that stands out both indoors and outdoors. Even the envelope carrying the card follows the same colour theme.

Rewards

Cashback gets credited to statement directly

Swiggy spends includes: Food, Instamart, Dineout & Genie.

Online Spends includes: most online shopping spends.

The monthly cashback cap is well-structured for a typical user, ensuring it doesn’t feel restrictive. Note that it’s a separate cap for Swiggy/Online spends.

Figuring out what counts as an online spend can be tricky, but from what I’ve seen, it works well on popular shopping sites like Amazon, Flipkart, Myntra, and even Ola – covering almost everything you might need.

Here’s the latest list of eligible categories (MCC codes), but it may change over time.

Exclusions:

From 1% cashback: Rent, Utilities, Fuel, Insurance, EMI, Jewelry, Govt spends, Wallet loads, etc

From 5% cashback: Flight, hotel bookings, etc

The exclusions for 1% cashback seem reasonable, but for 5% online spends, an exclusion-based approach instead of an inclusion-based one would have made things much simpler.

Swiggy One

The HDFC Swiggy Credit Card includes a 3-month complimentary Swiggy One membership. Existing Swiggy One members can simply extend their membership by 3 months.

While this is a nice perk, a longer membership period would have made the benefit even more valuable.

Golf Benefit

The Swiggy HDFC Bank Credit Card is issued on the Mastercard World platform and includes complimentary access to golf courses in India, with up to 12 free golf lessons per year.

It’s a smart move that they skipped free airport lounge access, likely to keep costs in check.

FAQ’s

Can I use the card on different Swiggy Account?

Yes, if you have a card, you can use it both on your account and your family accounts. You can also go with an Add-on Card, just like how I did.

Can I load Swiggy Money Wallet and get cashback?

No, excluded for cashback.

I already have a HDFC Bank Credit Card. Can I still apply?

Yes, these days HDFC bank gives 1 or 2 co-brand cards on floater limit with the existing credit card.

How do I know MCC code before making the transaction?

Well, there is no way unfortunately. But you can always do a test transaction, call HDFC Bank support and ask for MCC. That works flawlessly for most.

Can I buy Gift Cards on Amazon and get 5% cashback?

It depends. Amazon frequently switches payment gateways, so you’ll only know after the transaction. However, checking the merchant name on the OTP page might give you a hint to increase your chances.

Bottomline

The HDFC Bank Swiggy Credit Card is a nice and noteworthy no-frills cashback credit card that primarily focuses on rewarding cardholders with Swiggy/online spends.

Given the ease of applying and managing the card from the app, HDFC Swiggy Credit Card is a wonderful credit card for beginners.

For those with higher online spends, pairing it with SBI Cashback Credit Card or Amex MRCC can be a smart move for maximizing rewards.