HDFC Bank · Entry
Swiggy HDFC Bank
Where it ranks across all 187 cards
#4 Cabs & transit
5.0%
at Uber
direct
#4 Movies & events
5.0%
at BookMyShow
direct
#5 Online shopping
5.0%
at Amazon
direct
#8 Fashion
5.0%
at Myntra
direct
#14 Education
1.0%
direct
#17 Insurance
1.0%
direct
#21 Utility bills
1.0%
direct
#36 Mobile / broadband
1.0%
direct
#40 Train tickets
1.0%
direct
#44 Other
1.0%
direct
#48 Health & pharmacy
1.0%
direct
#53 Electronics
1.0%
direct
#60 Hotels
1.0%
direct
#61 Flights
1.0%
direct
#65 Groceries
1.0%
direct
#65 Food delivery
1.0%
direct
#66 Dining out
1.0%
direct
Get an email if this card changes - sign in.
Reward rules2 direct
Base rate - everything not covered below
1.00%base rate
1% cashback
source
Source: Swiggy HDFC MITC - hdfcbank.com - read 20 Aug 2026
5% select online brands
5.00%this rule
5% cashback
source
Source: Swiggy HDFC T&C - hdfcbank.com - read 20 Aug 2026
Base rate, but capped1
1% on other spends - capped ₹500/billing cycle
base rate
source
Source: Swiggy HDFC T&C 26 May 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Via portals & vouchersdisplay, never ranks
10% on Swiggy app
via swiggy app · cap ~₹1,500/month (internal estimate) · min txn ₹249
source & note
From 17 Apr 2026: only transactions ≥ ₹249 qualify.
Source: Swiggy HDFC T&C - hdfcbank.com - read 20 Aug 2026
10.0%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on7 exclusions
Fuel
earns nothing
No cashback on fuel.
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel
Source: Swiggy HDFC T&C, 22 May 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Rent
earns nothing
No cashback on rent.
→ use Axis Burgundy Private here (4.2%)
detail & source
categories: Rent
Source: Swiggy HDFC T&C, 22 May 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Wallet load
earns nothing
No cashback on prepaid/gift card/wallet loads.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load
Source: Swiggy HDFC T&C, 22 May 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Government / tax
earns nothing
No cashback on government transactions.
→ use Biz Black Metal Edition Credit Card here (2.5%)
detail & source
categories: Government / tax
Source: Swiggy HDFC T&C, 22 May 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Jewellery & watches
earns nothing
No cashback on jewellery.
→ use Tata Neu Infinity HDFC here (5.0%)
detail & source
categories: Jewellery & watches
Source: Swiggy HDFC T&C, 22 May 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Gaming
earns nothing
Online skill-based gaming earns nothing (w.e.f.
→ use FIRST Private here (6.6%)
detail & source
1 Jul 2025, MITC).
categories: Gaming
Source: HDFC MITC v4.6, Aug 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
EMI
earns nothing
No cashback on EMI (all types), Smartpay or SmartBuy portal spends; 5% tier limited to the bank-printed MCC inclusion table.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: Swiggy HDFC T&C, 22 May 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.