Question 1

Is HDFC Swiggy Credit Card worth the ₹500 annual fee?

Accepted Answer

HDFC Swiggy Credit Card has an annual fee of ₹500. The fee can be waived if you spend ₹2l/year. With a base reward rate of 1% (up to 10%), 4 domestic lounge visits, and a CardTrail Score of 8.2/10, it offers good value for the price.

Question 2

What is the reward rate on HDFC Swiggy Credit Card?

Accepted Answer

HDFC Swiggy Credit Card offers a base reward rate of 1% on regular spends, going up to 10% on select categories. Rewards are earned as Cashback (Swiggy Money). New cardholders also get a welcome bonus of ₹500 Swiggy voucher.

Question 3

Does HDFC Swiggy Credit Card have airport lounge access?

Accepted Answer

Yes, HDFC Swiggy Credit Card provides 4 domestic and 0 international lounge visits per quarter.

Question 4

What is the forex markup on HDFC Swiggy Credit Card?

Accepted Answer

HDFC Swiggy Credit Card charges a 3.5% forex markup on international transactions, plus 18% GST on the markup (effective rate: 4.13%). For international spends, consider zero-forex alternatives like Scapia or IDFC First Wealth.

Question 5

HDFC Swiggy Credit Card vs Axis Flipkart Credit Card — which is better?

Accepted Answer

HDFC Swiggy Credit Card (CardTrail Score: 8.2/10) and Axis Flipkart Credit Card (Score: 8.8/10) are both cashback cards. HDFC Swiggy Credit Card by HDFC has a ₹500 fee with 1% base rewards, while Axis Flipkart Credit Card by Axis has a ₹500 fee with 1.5% base rewards. Use our comparison tool for a detailed side-by-side analysis.

HDFC Swiggy Credit Card

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