Cardfare / Cards / Swiggy HDFC Bank
Swiggy HDFC Bank: rewards, caps and changes
What this card earns where, the caps that stop it, and what changed recently. Rates in the "Worth" column value one rupee of cashback at ₹1 (cashback credited against the card statement balance).
What it earns
| Where | Rate | Worth | Conditions | Source |
|---|---|---|---|---|
| Swiggy | 10% back | 10% | 10% Swiggy cashback capped at ₹1,500 per billing cycle Min. ₹249 per transaction | Terms |
| Swiggy Instamart | 10% back | 10% | 10% Swiggy cashback capped at ₹1,500 per billing cycle Min. ₹249 per transaction | Terms |
| Cleartrip | 5% back | 5.0% | 5% online cashback capped at ₹1,500 per billing cycle Min. ₹100 per transaction | Terms |
| Online shopping (online) | 5% back | 5.0% | 5% online cashback capped at ₹1,500 per billing cycle Min. ₹100 per transaction | Terms |
| Fashion & beauty (online) | 5% back | 5.0% | 5% online cashback capped at ₹1,500 per billing cycle Min. ₹100 per transaction | Terms |
| Cabs & rides (online) | 5% back | 5.0% | 5% online cashback capped at ₹1,500 per billing cycle Min. ₹100 per transaction | Terms |
| Movies & entertainment (online) | 5% back | 5.0% | 5% online cashback capped at ₹1,500 per billing cycle Min. ₹100 per transaction | Terms |
| Everything else | 1% back | 1.0% | 1% cashback capped at ₹500 per billing cycle Min. ₹100 per transaction | Terms |
| HDFC SmartBuy | No rewards | 0% | — | Terms |
| HDFC SmartBuy hotels | No rewards | 0% | — | Terms |
| HDFC SmartBuy vouchers | No rewards | 0% | — | Terms |
| Fuel | No rewards | 0% | — | Terms |
| Rent | No rewards | 0% | — | Terms |
| Tax & government | No rewards | 0% | — | Terms |
| Jewellery | No rewards | 0% | — | Terms |
| Wallet loads | No rewards | 0% | — | Terms |
Recent changes
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Benefit changeHDFC Bank· since 18 August 2026
HDFC phasing out Swiggy card; holders move to Swiggy BLCK or Ornge
HDFC is migrating Swiggy HDFC cardholders in phases to Swiggy BLCK (10% on Swiggy, ₹1,000 annual fee) or Swiggy Ornge (5% on Swiggy, lifetime free for existing holders). Those who don't choose are moved to Ornge after at least 30 days' notice, and autopay mandates must be set up again.
Cards: Swiggy HDFC Bank
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UpdateReportedHDFC Bank· since 10 February 2026
HDFC stops issuing new Swiggy HDFC credit cards
HDFC stopped sourcing new Swiggy HDFC Bank credit cards. Existing cards kept working at the time; a phased migration to new variants followed in August 2026.
Cards: Swiggy HDFC Bank
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CutReportedHDFC Bank· since 1 July 2025
HDFC caps reward points on insurance and ends points on skill-gaming
Reward points on insurance payments are now capped each month at 10,000 on Infinia, 5,000 on Diners Black variants and 2,000 on most other cards. Online skill-gaming spends no longer earn reward points or CashPoints.
Applies across HDFC Bank's cards
Source: Upstox News
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New feeReportedHDFC Bank· since 1 July 2025
HDFC adds 1% fee on wallet loads and skill-gaming, raises fee cap to ₹4,999
HDFC began charging 1% on wallet loads (excluding PayZapp) and online skill-gaming once either exceeds ₹10,000 in a calendar month. Its existing 1% fees on rent, fuel, education (via third-party apps) and utilities (above ₹50,000 a month, ₹75,000 for business cards) are now capped at ₹4,999.
Applies across HDFC Bank's cards
Source: Business Standard
Live offers for this card
- AmazonHDFC Bank· until 30 September 2026
₹1,250 off on ₹15,000+ · card EMI only
Flat ₹1,250-₹1,750 off on HDFC Credit Card EMI (6m+) on ₹15,000+
Offer terms · verified 23 Sept 2026
- AmazonHDFC Bank· until 30 September 2026
₹3,000 off on ₹50,000+ · card EMI only
Flat ₹3,000-₹4,000 off on HDFC Credit Card EMI (6m+) on ₹50,000+
Offer terms · verified 23 Sept 2026