Card changes
Each entry is one rule-level difference between two published versions of a card's terms. Direction is judged for a typical customer; your own impact depends on your spending.
- DevaluationExclusionMedium impact Issuer documents
Swiggy HDFC Bank Credit Card · HDFC Bank
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
Swiggy HDFC Bank Credit Card · HDFC Bank
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
Swiggy HDFC Bank Credit Card · HDFC Bank
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
Swiggy HDFC Bank Credit Card · HDFC Bank
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
Swiggy HDFC Bank Credit Card · HDFC Bank
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
Swiggy HDFC Bank Credit Card · HDFC Bank
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 *