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Swiggy HDFC Bank Credit Card

HDFC Bank · Network not established · Tier not established

Base return

Unknown

reward terms are incomplete

Annual fee

₹500

waiver unknown

Joining fee

₹500

GST unknown

Forex markup

Unknown

total cost unknown

Last checked:
14 min ago (28 Oct 2026)
Last material change:
28 Oct 2026
Source status:
Ok
Issuer effective date:
Unknown · first observed 28 Oct 2026
Checking status:
Based on issuer documents, not yet verified

These published rules are supported by HDFC Bank's official documents, but no independent human verification has been recorded. Some fields may remain unknown or incomplete. Check the issuer's current terms, linked under Sources, before you apply.

Category returns

Effective return on a ₹10,000 purchase = reward units earned × value per unit. Guaranteed uses cash-like redemptions only; the range adds estimated travel values.

Return figures are unknown because one or more reward rules, exclusions, caps, milestones, or redemption values have not been established.

CategoryEarn / ₹100GuaranteedConservativeOptimised est.
General spendsUnknownUnknownUnknownUnknown
Online shoppingUnknownUnknownUnknownUnknown
Offline retailUnknownUnknownUnknownUnknown
Travel (other)UnknownUnknownUnknownUnknown
FlightsUnknownUnknownUnknownUnknown
HotelsUnknownUnknownUnknownUnknown
DiningUnknownUnknownUnknownUnknown
GroceryUnknownUnknownUnknownUnknown
UtilitiesUnknownUnknownUnknownUnknown
FuelUnknownUnknownUnknownUnknown
InsuranceUnknownUnknownUnknownUnknown
EducationUnknownUnknownUnknownUnknown
RentUnknownUnknownUnknownUnknown
GovernmentUnknownUnknownUnknownUnknown
UPI (RuPay)UnknownUnknownUnknownUnknown
Wallet loadsUnknownUnknownUnknownUnknown
InternationalUnknownUnknownUnknownUnknown
Swiggy (merchant)UnknownUnknownUnknownUnknown

Reward value

The reward currency and its value have not been established from issuer evidence. No reward value is used in the calculator.

the reward currency type: UNKNOWN (not zero or none) and its value. Reward value is excluded from calculations and comparisons.

Reward rules and caps

Machine-readable rules the calculator runs. Higher-priority rules apply first; spend above a cap falls back to the next rule or earns nothing, as stated.

base and bonus reward rules: UNKNOWN (not zero or none)

Known rules appear below; additional reward rules may be missing.

Some reward caps may be missing; known caps are listed below.

  • Cashback on other eligible categories1% cashback
    Conditions
    • Applies to: all non-excluded spends
    • Minimum transaction ₹100
    • Cap: Other-category cashback cap per billing cycle (then nothing)
    • Stacking: replaces lower-priority rates
  • Cashback on Swiggy food delivery, Instamart and Dineout10% cashback
    Conditions
    • Applies to: Dining, Grocery at Swiggy
    • Minimum transaction ₹249
    • Cap: Swiggy-app cashback cap per billing cycle (then nothing)
    • Stacking: replaces lower-priority rates

Known exclusions are listed above; other exclusions may be missing.

Exclusions

  • Fuel · no rewards · not counted for milestones/waivers
  • Government · no rewards · not counted for milestones/waivers
  • Rent · no rewards · not counted for milestones/waivers
  • Wallet loads · no rewards · not counted for milestones/waivers

Milestones

milestone benefits: UNKNOWN (not zero or none)

Airport lounges

Access is shown with its qualification rules; spend conditions are evaluated in the calculator.

lounge access: UNKNOWN (not zero or none)

Movies, dining and golf

movie benefits: UNKNOWN (not zero or none) · dining benefits: UNKNOWN (not zero or none) · golf benefits: UNKNOWN (not zero or none)

Travel benefits and insurance

Monetary benefits are separated from privileges we do not assign a rupee value to.

Travel

Known travel benefits may be incomplete.

travel benefits: UNKNOWN (not zero or none)

Insurance cover

Known insurance benefits may be incomplete.

insurance benefits: UNKNOWN (not zero or none)

Foreign spending and UPI

Forex markup
Unknown
Return on international spend (conservative)
Unknown
Net international return
Unknown
Rewards minus markup and GST. Decline dynamic currency conversion at the terminal: it adds a separate, usually larger, markup.
UPI
Unknown

Fees and charges

Joining fee
₹500 (tax treatment unknown)
Joining-fee waiver: UNKNOWN
Annual fee
₹500 (tax treatment unknown)
Renewal-fee waiver: UNKNOWN
Add-on card
Unknown
Category surcharges
Unknown
Fuel surcharge waiver
Unknown
Other fees and charges
Unknown

Transfer partners

Miles and hotel points values are estimates.

point transfers: UNKNOWN (not zero or none)

Eligibility

eligibility requirements: UNKNOWN (not zero or none)

What this card is worth to you

Your monthly spending runs through the rules above, transaction by transaction: caps, tiers, exclusions, milestones, fee waivers, surcharges and forex.

Monthly spending₹56,000/mo · ₹6,72,000/yr
How you use benefits

Your spending stays in this browser. It is sent only to compute results and is never stored on our servers.

How one purchase is calculated

Every step the rules take for a single purchase: the rule that matches, exclusions, caps already used, and what it earns.

Historical changes

Full timeline & compare dates →
  • DevaluationExclusionMedium impact Issuer documents

    Added: Wallet transactions

    What it means per year

    No change to calculated value for the standard profiles.

    Monthly spend profileBefore, per yearAfter, per yearChange
    Rs. 10,000/month−₹590−₹590₹0 (0%)
    Rs. 25,000/month−₹590−₹590₹0 (0%)
    Rs. 50,000/month−₹590−₹590₹0 (0%)
    Rs. 1,00,000/month−₹590−₹590₹0 (0%)

    Net yearly value (conservative reward value minus the card's fees), each change measured on its own.

    Dates, evidence and confidence
    • Effective: 28 Oct 2026
    • Announced: —
    • Discovered: 28 Oct 2026
    • Confidence: Likely
    • Evidence (Terms And Conditions, retrieved 28 Oct 2026): Spends on other categories * 1% cashback Rs. 500 per billing cycle Exclusions - Fuel, Rent, Jewellery, Govt. spends, Gift Cards, EMI & Wallet *
  • DevaluationExclusionMedium impact Issuer documents

    Added: Government transactions

    What it means per year

    No change to calculated value for the standard profiles.

    Monthly spend profileBefore, per yearAfter, per yearChange
    Rs. 10,000/month−₹590−₹590₹0 (0%)
    Rs. 25,000/month−₹590−₹590₹0 (0%)
    Rs. 50,000/month−₹590−₹590₹0 (0%)
    Rs. 1,00,000/month−₹590−₹590₹0 (0%)

    Net yearly value (conservative reward value minus the card's fees), each change measured on its own.

    Dates, evidence and confidence
    • Effective: 28 Oct 2026
    • Announced: —
    • Discovered: 28 Oct 2026
    • Confidence: Likely
    • Evidence (Terms And Conditions, retrieved 28 Oct 2026): Spends on other categories * 1% cashback Rs. 500 per billing cycle Exclusions - Fuel, Rent, Jewellery, Govt. spends, Gift Cards, EMI & Wallet *
  • DevaluationExclusionMedium impact Issuer documents

    Added: Rent payments

    What it means per year

    No change to calculated value for the standard profiles.

    Monthly spend profileBefore, per yearAfter, per yearChange
    Rs. 10,000/month−₹590−₹590₹0 (0%)
    Rs. 25,000/month−₹590−₹590₹0 (0%)
    Rs. 50,000/month−₹590−₹590₹0 (0%)
    Rs. 1,00,000/month−₹590−₹590₹0 (0%)

    Net yearly value (conservative reward value minus the card's fees), each change measured on its own.

    Dates, evidence and confidence
    • Effective: 28 Oct 2026
    • Announced: —
    • Discovered: 28 Oct 2026
    • Confidence: Likely
    • Evidence (Terms And Conditions, retrieved 28 Oct 2026): Spends on other categories * 1% cashback Rs. 500 per billing cycle Exclusions - Fuel, Rent, Jewellery, Govt. spends, Gift Cards, EMI & Wallet *
  • DevaluationExclusionMedium impact Issuer documents

    Added: Fuel transactions

    What it means per year

    No change to calculated value for the standard profiles.

    Monthly spend profileBefore, per yearAfter, per yearChange
    Rs. 10,000/month−₹590−₹590₹0 (0%)
    Rs. 25,000/month−₹590−₹590₹0 (0%)
    Rs. 50,000/month−₹590−₹590₹0 (0%)
    Rs. 1,00,000/month−₹590−₹590₹0 (0%)

    Net yearly value (conservative reward value minus the card's fees), each change measured on its own.

    Dates, evidence and confidence
    • Effective: 28 Oct 2026
    • Announced: —
    • Discovered: 28 Oct 2026
    • Confidence: Likely
    • Evidence (Terms And Conditions, retrieved 28 Oct 2026): Spends on other categories * 1% cashback Rs. 500 per billing cycle Exclusions - Fuel, Rent, Jewellery, Govt. spends, Gift Cards, EMI & Wallet *
  • DevaluationReward CapLow impact Issuer documents

    Added: Swiggy-app cashback cap per billing cycle

    What it means per year

    No change to calculated value for the standard profiles.

    Monthly spend profileBefore, per yearAfter, per yearChange
    Rs. 10,000/month−₹590−₹590₹0 (0%)
    Rs. 25,000/month−₹590−₹590₹0 (0%)
    Rs. 50,000/month−₹590−₹590₹0 (0%)
    Rs. 1,00,000/month−₹590−₹590₹0 (0%)

    Net yearly value (conservative reward value minus the card's fees), each change measured on its own.

    Dates, evidence and confidence
    • Effective: 28 Oct 2026
    • Announced: —
    • Discovered: 28 Oct 2026
    • Confidence: Likely
    • Evidence (Terms And Conditions, retrieved 28 Oct 2026): Spends on other categories * 1% cashback Rs. 500 per billing cycle Exclusions - Fuel, Rent, Jewellery, Govt. spends, Gift Cards, EMI & Wallet *
  • DevaluationReward CapMedium impact Issuer documents

    Added: Other-category cashback cap per billing cycle

    What it means per year

    No change to calculated value for the standard profiles.

    Monthly spend profileBefore, per yearAfter, per yearChange
    Rs. 10,000/month−₹590−₹590₹0 (0%)
    Rs. 25,000/month−₹590−₹590₹0 (0%)
    Rs. 50,000/month−₹590−₹590₹0 (0%)
    Rs. 1,00,000/month−₹590−₹590₹0 (0%)

    Net yearly value (conservative reward value minus the card's fees), each change measured on its own.

    Dates, evidence and confidence
    • Effective: 28 Oct 2026
    • Announced: —
    • Discovered: 28 Oct 2026
    • Confidence: Likely
    • Evidence (Terms And Conditions, retrieved 28 Oct 2026): Spends on other categories * 1% cashback Rs. 500 per billing cycle Exclusions - Fuel, Rent, Jewellery, Govt. spends, Gift Cards, EMI & Wallet *

Official documents and evidence

Every rule above cites a captured document. Captures are immutable; corrections are recorded separately.