Swiggy HDFC Bank Credit Card is Now Lifetime Free

The Swiggy HDFC Bank Credit Card is now available for free for life. Normally, this premium card comes with a ₹499 annual fee, but for a limited period, if you apply before 31st October, you can get it without any fee. If you don’t know this card’s benefits, here we will explain what it offers and whether it is worth applying for.

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The card is part of HDFC’s “Prime” range and is designed to reward users for both online and offline spends. While the card is particularly beneficial for Swiggy and Instamart users, it works like a regular credit card for general purchases.

How to Apply for the Swiggy HDFC Credit Card

Apply For Swiggy HDFC Card

Applying for this card is fully online. Here’s a step-by-step guide:

 

1. Visit the official HDFC Swiggy Credit Card page.
2. Click Apply Now.
3. Fill in your personal details and contact information.
4. Complete online verification (KYC).
5. Wait for HDFC Bank’s approval; the card will be delivered to your registered address.

Note: Applications must be submitted before 31st October 2025.

Benefits of Swiggy HDFC Credit Card

The biggest benefit of owning this card is that you get a flat 10% cashback on Swiggy and Instamart orders, up to ₹1500 per month. But that’s not all. Tcard also gives 5% cashback on online spend at popular merchants like Amazon, PhonePe, Google Pay and other platforms. For other online and offline spends, you earn 1% cashback.

However, there are certain exclusions. Some categories, such as gold purchases, jewellery, and specific financial transactions, do not qualify for cashback. If you want detailed information, you can check the official list of excluded categories. Overall, this card provides consistent cashback across multiple platforms, making it useful for everyday spending.

1. 10% Cashback on Swiggy & Instamart

The card gives 10% cashback on Swiggy orders, Instamart groceries, and Dineout payments. The monthly cashback limit is ₹1500.

Let’s say you ordered food worth ₹1000 from Swiggy or Instamart, you will receive flat ₹100 cashback.

• On 10% cashback spends: ₹1500/month
• On 5% cashback spends: ₹1500/month
• On 1% cashback spends: ₹500/month

2. 5% Cashback on Other Online Purchases

All other online transactions, like if you purchase from Amazon or Flipkart, or make bill payments on platforms like PhonePe or Google Pay, you will earn 5% cashback.

3. 1% Cashback on Offline or Other Purchases

Offline spends, like shopping at local stores or using other food apps, give 1% cashback, up to ₹500 per month. 

4. Welcome Benefits

Who Can Apply?

The lifetime free offer is primarily for new applicants. If you are an existing Swiggy HDFC cardholder:

• The card will not automatically convert to lifetime free.
• You may contact HDFC Bank to request a waiver or upgrade, but approval is at the bank’s discretion.

Comparing With Similar Cards

To see if this card fits your needs, it’s useful to compare it with similar options:

Card	Joining Fee	Cashback
Swiggy HDFC Credit Card	₹0 (lifetime free)	10% Swiggy, 5% online, 1% other,Free Swiggy One membership, lifetime free
Axis Ace Credit Card	₹499/year	5% on Amazon, Zomato
Amazon Pay ICICI Card	₹0	5% on Amazon

If Swiggy/Instamart usage is high, the HDFC card clearly offers better rewards. For general online shoppers without Swiggy dependency, other cashback cards may be more suitable.

Practical Tips for Maximising Cashback

1. Use the card mainly for Swiggy and Instamart to maximise the 10% cashback.
2. Pay recurring bills online with the card to get 5% cashback.
3. Combine offline spends with digital spends to reach monthly cashback caps.

Keep track of cashback via the HDFC Bank app or Swiggy app to ensure timely use.