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HDFC Bank

Swiggy HDFC Bank

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Annual Fee

₹500

Reward Type

Cashback

Forex

3.5%

Lounge

0 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹500
Annual Fee₹500(waived ≥ ₹2,00,000)
Min Monthly Income₹25,000

Rewards

Reward TypeCashback
Base Rate1%
Point Value₹1/point

Category Multipliers

swiggy10%(cap ₹1,500)online shopping5%(cap ₹1,500)

Redemption Values

statement credit₹1/pt

Travel & Global

Forex Markup3.5%
Domestic LoungeNone
Intl. LoungeNone

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💡 Fee Waiver Strategy

Often comes Lifetime Free (LTF) via Swiggy app offer.

⚖️ Breakeven Analysis

To recover the ₹500 annual fee at the base reward rate of 1%, you need to spend ₹50,000 annually.

🎯 Pro Tips

  • ▸Best card for food delivery users
  • ▸10% on Swiggy includes Instamart/Dineout

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹23,500

Effective Rate

2.0%

Ranked #21 of 173 cards⭐ Top 30

₹500 annual fee deducted from gross rewards value.

🏷️ Best For

co-brandeddiningshopping