Cards / HDFC

Joining fee

₹500

Annual fee

₹500

Waiver spend

₹2,00,000

Forex markup

3.5%

Fee waiver

Spend ₹2,00,000 in a card year and the next annual fee is waived.

That is about ₹16,667 a month.

Work out what you still need to spend

Recent changes

• 18 August 2026Worse for you

  The original Swiggy card is being phased out; holders are upgraded to Swiggy Ornge (5% on Swiggy) by default or can choose Swiggy BLCK (10%, Rs 1,000 fee).

  Source

All card changes in 2026

Work it out for this card

How the app counts rewards

• 10% on Swiggy food, Instamart and Dineout (up to ₹1,500 a cycle)
• 5% on select online categories (apparel, electronics, department stores, entertainment, Amazon and Flipkart; up to ₹1,500 a cycle)
• 5% on local cabs (Uber, Ola)
• 1% on other spends (up to ₹500 a cycle)

No rewards on fuel, rent, wallet loads.

Who can apply

• Age 21 to 60
• Salaried: income of ₹1,80,000 a year or more
• Self-employed: income of ₹6,00,000 a year or more

Salaried: ₹15,000 a month, age 21 to 60. Self-employed: ITR over ₹6 lakh, age 21 to 65

Published minimums. Approval is the bank's decision.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.04.

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