Swiggy HDFC Bank Credit Card history Issuer documents
2 published versions of the terms. Open any version to see the card exactly as it was.
Compare two dates
Timeline
Version 2
CurrentLikely28 Oct 2026 to present · View as of this version
Published automatically from autonomous-unknown-enrichment@1 extraction cmvrkidna003ank8n8pw1ygla (policy v1, decision cmvrkncw700h9nk8nsjmkq2ls)
- DevaluationExclusionMedium impact Issuer documents
Added: Wallet transactions
What it means per year
No change to calculated value for the standard profiles.
Monthly spend profile Before, per year After, per year Change 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 profile Before, per year After, per year Change 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 profile Before, per year After, per year Change 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 profile Before, per year After, per year Change 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 profile Before, per year After, per year Change 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 profile Before, per year After, per year Change 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 *
- EnhancementRewardLow impact Issuer documents
Added: Cashback on Swiggy food delivery, Instamart and Dineout
What it means per year
No change to reward value for the standard profiles; the effect depends on whether the benefit is used.
Monthly spend profile Before, per year After, per year Change 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 *
- EnhancementRewardMedium impact Issuer documents
Added: Cashback on other eligible categories
What it means per year
Monthly spend profile Before, per year After, per year Change Rs. 10,000/month −₹590 ₹546 +₹1,136 (+192.4939%) Rs. 25,000/month −₹590 ₹2,249 +₹2,839 (+481.2349%) Rs. 50,000/month −₹590 ₹5,089 +₹5,679 (+962.4697%) Rs. 1,00,000/month −₹590 ₹5,410 +₹6,000 (+1016.9492%) 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 *
Version 1
Likely28 Oct 2026 to 28 Oct 2026 · View as of this version
Published automatically from autonomous-first-version@2 extraction cmvrjt04000j2ir8nul6p6scz (policy v1, decision cmvrjwuon018lir8niea9qcdy)
- Added to Folio Issuer documents
Added to Folio; original launch date not established
Dates, evidence and confidence
- Issuer effective date: Unknown
- Rules first recorded in Folio: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Product Page, retrieved 28 Oct 2026):
Joining Fee / Renewal Membership Fee - Rs. 500 /- + Applicable Charges