# Swiggy HDFC Bank

HDFC Bank · Mastercard. ₹500 fee · 3.5% forex · 1% other (cap ₹500/cycle).

verified · checked 20 June 2026 · Source: https://www.hdfcbank.com/personal/pay/cards/credit-cards/swiggy-hdfc-bank-credit-card

## How it earns (3)

- 1% other (cap ₹500/cycle) · cap 500 points per statement cycle · ✓ official · checked 14 June 2026
- 10% on Swiggy app incl. Instamart + Dineout (cap ₹1,500/cycle, min txn ₹249) · cap 1,500 points per statement cycle · ✓ official · checked 14 June 2026
- 5% select online (apparel/electronics/dept/cabs/pharmacy + FK/AMZ/Ajio/Meesho) (cap ₹1,500/cycle) · cap 1,500 points per statement cycle · online · verified · checked 14 June 2026

## On gift vouchers

- Gift vouchers earn nothing on this card.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- No cashback on gift card / voucher purchases
- No cashback: rent, fuel, wallet/gift cards, govt, EMI, jewellery, SmartBuy/Smartpay, forex

## Statuses it opens (1)

- GHA Discovery GHA Discovery Platinum · enrolment needed · ✓ official · checked 19 July 2026

## Comes with (1)

- Swiggy One (3 months; up to 12 via Swiggy app) · ₹1,200

## Fees

- Annual fee: ₹500 + GST
  Waived at ₹2,00,000 spend per card year
- Forex markup: 3.5%
- DCC markup: 1.75%

## Dated changes (3)

- Devaluation · 21 April 2026: Swiggy HDFC raised the minimum spend for 10% cashback (https://getbrief.cards/changes#swig-minrise)
- Devaluation · 1 July 2025: HDFC added 1% fees on rent, wallet, utilities and gaming (https://getbrief.cards/changes#hdfc-fee-regime)
- Improvement · 12 December 2023: Mastercard World-tier cards fast-track to GHA DISCOVERY status (to 31 Dec 2026) (https://getbrief.cards/changes#gha-mc-fasttrack-2026)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/hdfc-swiggy