HDFC Swiggy Credit Card – Should You Get It in 2025?

If you’re someone who orders food online frequently, chances are you’ve seen ads for the HDFC Swiggy Credit Card. Co-branded by HDFC Bank and Swiggy, this card promises 10% cashback on Swiggy and attractive benefits for foodies.

But is it actually worth it in 2025, or are there better options?

Let’s break it down in this honest, in-depth review — with numbers, benefits, real-life usage, and whether you should apply or skip it.

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Quick Summary: HDFC Swiggy Credit Card in 2025

Feature	Details
Annual Fee	₹500 + GST (waived on ₹2L spend)
Swiggy Cashback	10% (via PayZapp only)
Other Cashback	5% on Blinkit & Zomato
Reward Type	Cashback (auto statement credit)
Lounge Access	❌ None
Issuing Bank	HDFC Bank
Network	Visa

Apply Now for HDFC Swiggy Credit Card
👉 Click Here to Apply

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How the 10% Cashback Works on Swiggy

The 10% cashback benefit only works when you:

1. Order via the Swiggy app
2. Pay using PayZapp wallet linked to your Swiggy Credit Card
3. Activate the “Swiggy 10% offer” within PayZapp before every transaction

Important Note: Orders below ₹100 don’t qualify for cashback.

Cashback Limit: ₹1500 per month
Credit Timeline: Cashback is credited to your statement within 90 days.

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What Else Do You Get?

• 5% Cashback on Zomato and Blinkit (via PayZapp)
• 1% Fuel Surcharge Waiver (on ₹400–₹5000 transactions)
• Up to ₹100 off/month via Swiggy One subscription
• ₹500 Annual Fee Waiver if you spend ₹2L or more in a year

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Pros and Cons – Honest Verdict

Pros:

• Highest cashback % for Swiggy in 2025
• Great if you’re a frequent Swiggy user and PayZapp is okay for you
• Co-branded — likely to get targeted Swiggy offers in future

Cons:

• PayZapp dependency is annoying and inconvenient
• Cashback often fails to track if offer isn’t activated properly
• No lounge access, no major lifestyle perks
• Better universal cashback cards exist at this fee

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Is the HDFC Swiggy Credit Card Worth It in 2025?

Get this card if:

• You order from Swiggy at least 6–10 times a month
• You’re okay with using PayZapp for all payments
• You already use HDFC ecosystem (Netbanking, Cards, PayZapp)
• You want ₹1500/month cashback cap, higher than competitors

Skip this card if:

• You prefer direct cashback without wallets
• You want one card for all food platforms (Swiggy + Zomato + others)
• Lounge access or universal cashback is a higher priority

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Alternatives to Consider in 2025

Card	Cashback on Swiggy	Lounge Access	Notes
Airtel Axis Bank	10%	Yes	Direct cashback, no wallet needed
Axis Ace	2–5%	Yes	Great for all-round usage
AU LIT Card	Customizable	Yes	Can select Swiggy as 10% category
ICICI Amazon Pay	Indirect	No	Use Amazon Vouchers for Swiggy

Compare All on Cardmela.com
👉 Compare Now

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Final Word: Should You Apply?

The HDFC Swiggy Credit Card is perfect for hardcore Swiggy users — especially if you’re okay using PayZapp and want maximum cashback on food delivery.

But if you’re looking for a more flexible, easier-to-use card, go for the Airtel Axis Credit Card or AU LIT instead.

Still confused?

👉 Use CardMela’s Credit Card Finder Tool to get the best match based on your spending habits.
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