HDFC Bank Swiggy Credit Card
HDFC Bank has very many rewarding credit cards with them and the recent addition to the list is the Swiggy HDFC Bank Credit Card – a nice and noteworthy co-brand dining credit card.
Top source-backed claims
Cashback gets credited to statement directly
Swiggy spends includes: Food, Instamart, Dineout & Genie.
Online Spends includes: most online shopping spends.
Fees and waiver
Looks like the bank decides the LTF offer and this can be confirmed as well from many reports stating that they’re not getting LTF offer even after having heavy usage on Swiggy. But it’s a great card even with a fee, so anything better than that is good to have.; *** Best Credit Card for Beginners ***
Verify before applying
Check issuer terms for exclusions, caps, and updated eligibility before using any benefit claim.
Trust Snapshot
Source count: 2 · Review status: Reviewed · Last dataset refresh: 2 Jul 2026
Quick Decision Summary
This summary is generated from the current website fields to help you interpret the card faster.
What stands out
• No annual fee signal detected from the current dataset.
• Has richer rewards and benefits detail than sparse card records.
Good fit if you want
• People who want a no-fee card and a simpler starting point.
• Users comparing cashback or rewards-heavy cards.
Tradeoffs to verify
• missing_eligibility
• missing_fees
• missing_rewards
Application links do not guarantee approval. Affiliate links are labeled, and issuer terms should be verified before applying.
Fees & Key Facts
Joining fee: Not specified
Annual fee: Rs. 0
Quality score: 70 (Medium)
Sources used: 2
Looks like the bank decides the LTF offer and this can be confirmed as well from many reports stating that they’re not getting LTF offer even after having heavy usage on Swiggy. But it’s a great card even with a fee, so anything better than that is good to have.; *** Best Credit Card for Beginners ***
Eligibility & Documentation
Not specified
Documents required
Not available
Rewards
• Cashback gets credited to statement directly
• Swiggy spends includes: Food, Instamart, Dineout & Genie.
• Online Spends includes: most online shopping spends.
• The monthly cashback cap is well-structured for a typical user, ensuring it doesn’t feel restrictive. Note that it’s a separate cap for Swiggy/Online spends.
• Figuring out what counts as an online spend can be tricky, but from what I’ve seen, it works well on popular shopping sites like Amazon, Flipkart, Myntra, and even Ola – covering almost everything you might need.
• Here’s the latest list of eligible categories (MCC codes), but it may change over time.
• From 1% cashback: Rent, Utilities, Fuel, Insurance, EMI, Jewelry, Govt spends, Wallet loads, etc
• From 5% cashback: Flight, hotel bookings, etc
Benefits
Not available
Features
• The Swiggy HDFC Bank Credit Card is issued on the Mastercard World platform and includes complimentary access to golf courses in India, with up to 12 free golf lessons per year.
• It’s a smart move that they skipped free airport lounge access, likely to keep costs in check.
Lounge Access
Not available
Insurance
Not available
Pros
Not available
Cons
Not available
Source Links
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Best for: People willing to verify the source details directly before deciding.
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Useful for comparison, but the current dataset does not show a standout signal yet.
This card has limited source coverage in the current dataset.
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5X Reward Points applicable on minimum spends of Rs. 50,000 (all spends) in statement cycle
High quality score (80) based on current website signals.
This card has limited source coverage in the current dataset.
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HDFC Bank Tata Neu Infinity Credit Card
Best for: People who want a no-fee card and a simpler starting point.
Check source
Rs. 0
NeuCoins Validity: 1 Year
No rewards on fuel, wallet, rent, gaming and Gov spends.
No annual fee signal detected from the current dataset.
This card has limited source coverage in the current dataset.
While it’s easy to grab First Year Free (FYF) offer on HDFC Bank’s Tata Neu Infinity Credit Card, getting Lifetime Free (LTF) offer is becoming harder...
The HDFC Bank Tata Neu Infinity Credit Card is a semi-premium, co‑branded credit card designed to maximise rewards through NeuCoins, a cashback‑equivalent rewards currency that works seamlessly across the Tata ecosystem.