HDFC Swiggy
Heavy Swiggy/Instamart users — 10% on the platform tops anything else.
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5-year value calculator
How much HDFC Swiggy actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
Reward rates
What you earn back, by category.
3-month Swiggy One membership (₹1,499 value)
What you get
- 10% cashback on Swiggy (food, Instamart, Genie, Dineout)
- 5% cashback on online MCC merchants (Amazon, Flipkart, Myntra)
- 1% cashback on other spends
- Cashback auto-credited as Swiggy Money
- 1% fuel surcharge waiver
Eligibility
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
Best SaaS to pay with the HDFC Swiggy
The SaaS subscriptions where HDFC Swiggy earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹12,240/yr.
Trello
5% rewards on productivity category — better than the 1% default.
PostHog
5% rewards on marketing category — better than the 1% default.
Notion
5% rewards on productivity category — better than the 1% default.
Monday.com
5% rewards on productivity category — better than the 1% default.
Mailchimp
5% rewards on marketing category — better than the 1% default.
Klaviyo
5% rewards on marketing category — better than the 1% default.
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