Swiggy HDFC Bank cashback rate, cap and annual fee
Swiggy HDFC Bank pays 10% at Swiggy app: food delivery, Instamart and Dineout — on the first INR 15,000 you spend on it each month, which is where the INR 1,500 cap stops it. The card costs INR 500 a year.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
HDFC Bank · India · catalogue v121
Read from HDFC Bank's own published terms on 30 Oct 2026.
HDFC Bank has stopped issuing this card. Existing holders keep it — everything below still describes what it pays them — but it cannot be applied for.
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| Swiggy app: food delivery, Instamart and Dineoutonline and delivery | 10.00% | INR 1,500reached at INR 15,000 of spend10% on the Swiggy app: food delivery, Instamart and Dineout, ₹1,500 a billing cycle. Swiggy Money Wallet, Swiggy Liquor and Minis are excluded; ₹249 a |
| Swiggy Instamartgroceries | 10.00% | INR 1,500reached at INR 15,000 of spend10% on Swiggy Instamart. Inside the same ₹1,500 a billing cycle as the Swiggy app. |
| Swiggy Dineoutdining | 10.00% | INR 1,500reached at INR 15,000 of spend10% on Swiggy Dineout. Inside the same ₹1,500 a billing cycle as the Swiggy app. |
| online at listed merchants and MCCsonline and delivery | 5.00% | INR 1,500reached at INR 30,000 of spend5% online at select merchants in the MCCs HDFC lists for apparel, electronics, department stores, personal care, pets, home décor and discount stores |
| online pharmaciespharmacy | 5.00% | INR 1,500reached at INR 30,000 of spend5% online at pharmacies in the listed MCCs. Inside the same ₹1,500 a billing cycle for the 5% list. |
| Ola and Ubertravel | 5.00% | INR 1,500reached at INR 30,000 of spend5% on local cabs booked online (Ola, Uber). Inside the same ₹1,500 a billing cycle for the 5% list. |
| online entertainment merchantsentertainment | 5.00% | INR 1,500reached at INR 30,000 of spend5% online at entertainment merchants in the listed MCCs. Inside the same ₹1,500 a billing cycle for the 5% list. |
| everything else | 1.00% | INR 500reached at INR 50,000 of spend1% on other spends, ₹500 a billing cycle; ₹100 a transaction at least. |
| fuel | None | —Fuel earns no cashback. |
| rent and property | None | —Rent earns no cashback. |
| government | None | —Government payments earn no cashback. |
Questions people ask
What cashback does the Swiggy HDFC Bank pay?
10% at Swiggy app: food delivery, Instamart and Dineout, and 7 other rates. The top rate is capped at INR 1,500 a month.
Is there a cap on the Swiggy HDFC Bank?
Yes. swiggy app: food delivery, instamart and dineout is capped at INR 1,500 a month; swiggy instamart is capped at INR 1,500 a month; swiggy dineout is capped at INR 1,500 a month; and so on.
What is the annual fee on the Swiggy HDFC Bank?
INR 500 a year.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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