Card Benefits
Key benefits available with this card.
5% Cashback on Swiggy
Earn 5% cashback on eligible Swiggy App transactions including Food Delivery, Instamart and Dineout. Minimum transaction value ₹249. Cashback capped at ₹1,500 per month.
5% Cashback on Select Online Spends
Earn 5% cashback on eligible online spends across selected merchants. Eligible merchants and MCC conditions apply. Cashback is part of the ₹1,500 monthly 5% cashback cap.
1% Cashback on Other Spends
Earn 1% cashback on other eligible transactions. Minimum transaction value ₹100 and cashback capped at ₹1,000 per month.
Swiggy One Membership
Get complimentary Swiggy One membership for 12 months as a welcome benefit on card activation.
Cleartrip Discount
Get up to 19% off on hotels and 6% off on travel through applicable Cleartrip offers.
Nykaa Discount
Get 5% discount on eligible Nykaa transactions subject to applicable offer terms.
Birthday Week Dineout Offer
Get additional 10% off up to ₹500 on Swiggy Dineout during birthday week on a minimum order value of ₹3,000.
Golf Benefits
Get 12 complimentary golf lessons every year and 4 complimentary green-fee rounds every calendar year through Mastercard golf benefits.
Additional Golf Discount
Get 50% discount on green fees after using the complimentary golf-round quota, subject to applicable terms.
Annual Fee Waiver
Renewal fee of ₹500 is waived when eligible annual spends reach ₹1,50,000 or more during the previous year.
Direct Cashback
Cashback is credited directly to the card account as statement credit, avoiding separate reward-point redemption.
Up to 50 Days Interest-Free Period
Eligible purchases can receive an interest-free period of up to 50 days depending on transaction date and billing cycle.
Welcome / Free Offer
Complimentary 12 months Swiggy One membership
Eligibility: On card activation
Rewards & Points
How rewards are earned on this card.
| Category | Reward | Details |
|---|---|---|
| Swiggy App | 5.0000 points / ₹100 | 5% cashback on eligible Swiggy App spends including Food Delivery, Instamart and Dineout. Monthly cashback cap ₹1,500. |
| Select Online Spends | 5.0000 points / ₹100 | 5% cashback on eligible online spends. Eligible merchant/MCC list and exclusions apply. Shared 5% cashback monthly cap of ₹1,500. |
| Other Eligible Spends | 1.0000 points / ₹100 | 1% cashback on other eligible spends. Monthly cashback cap ₹1,000. |
Airport Lounge Access
Airport Lounge
0 visits · Domestic/International
No complimentary airport lounge benefit has been included because the verified Swiggy Ornge benefits reviewed for this record do not specify complimentary airport lounge visits.
Current Offers & Promotions
First Year Free Offer
Expired₹500 + GST waived
Maximum benefit: 590.00
HDFC Bank FYF terms specify a First Year Free offer for eligible applications during the specified promotional period. Offer was subject to direct HDFC channels and eligibility conditions.
Eligibility Criteria
21 to 65 yrs
Salaried and Self-employed
₹20,000 / month
₹600,000 / year ITR
+
Check issuer criteria
Additional Eligibility Details
Important Eligibility Information
Salaried Indian applicants: age 21–60 years and net monthly income above ₹20,000. Self-employed Indian applicants: age 21–65 years and annual ITR above ₹6 lakh.
Income: Salaried: net monthly income >₹20,000. Self-employed: annual ITR >₹6 lakh.
Employment: Indian salaried and self-employed applicants
Credit Score: HDFC Bank does not publicly specify a fixed minimum credit score for this card. Approval is subject to HDFC Bank's internal credit assessment, customer credit profile and location.
Documents Needed
Fees & Charges
₹500
₹500 + GST
Pros
5% cashback on Swiggy and selected online spends; 1% cashback on other eligible spends; complimentary Swiggy One membership; Cleartrip and Nykaa discounts; birthday-week Swiggy Dineout offer; Mastercard golf benefits; ₹1.5 lakh annual fee waiver.
Cons
5% cashback is capped at ₹1,500 per month and 1% cashback at ₹1,000 per month. Cashback has minimum transaction values and exclusions. Benefits and merchant offers are subject to applicable terms.