Swiggy HDFC Bank

Entry

HDFC Bank

Where it ranks · across all 71 cards

🥉 Online shopping5.0%at Amazondirect🥈 Cabs & transit5.0%at Uber / Oladirect🥈 Movies & events5.0%at BookMyShowdirect#6 Fashion5.0%at Myntradirect#37 Groceries1.0%direct#35 Dining out1.0%direct

Reward rules

Base rate - everything not covered below

cashback

1.00%

effective

5% select online brands

cashback

5.00%

effective

cap ₹1,500/cyclemin ₹100

Source: Swiggy HDFC T&C · 2026-08-20

Base rate, but capped - these categories earn normally up to a monthly ceiling

1% on other spends - capped ₹500/billing cycle₹500 per billing cycle on the 1% bucket (overall card ceiling ₹3,500/cycle)src ↗

Via portals & vouchers - alternate methods (display, never rank)

✈ 10% on Swiggy app10.0%
via swiggy appcap ₹1,500/monthmin ₹249src ↗
From 17 Apr 2026: only transactions ≥ ₹249 qualify.

Earns nothing on

⊘ No cashback on fuel.
⊘ No cashback on rent.
⊘ No cashback on prepaid/gift card/wallet loads.
⊘ No cashback on government transactions.
⊘ No cashback on jewellery.
⊘ Online skill-based gaming earns nothing (w.e.f. 1 Jul 2025, MITC).
⊘ No cashback on EMI (all types), Smartpay or SmartBuy portal spends; 5% tier limited to the bank-printed MCC inclusion table.