{
  "id": "hdfc-swiggy-credit-card",
  "locale": "hi",
  "name": "Swiggy HDFC Bank Credit Card",
  "bank": "HDFC Bank",
  "cardType": "cashback",
  "cardTier": "mid",
  "annualFee": "₹500 + GST",
  "loungeAccess": "लाउंज एक्सेस उपलब्ध नहीं",
  "rewardsRate": "Swiggy पर 10% · 1,000+ ऑनलाइन मर्चेंट्स पर 5% · बेस 1%",
  "bestFor": "Swiggy खाना ऑर्डर, Instamart ग्रॉसरी डिलीवरी और ऑनलाइन शॉपिंग",
  "officialLink": "https://www.hdfc.bank.in/credit-cards/swiggy-hdfc-bank-credit-card",
  "aiVerdict": {
    "score": 4.1,
    "summary": "Its modest reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "No extracted lounge benefit"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1,
  "affiliateId": "hdfc-swiggy-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HDFC Bank — Swiggy HDFC Bank Credit Card schedule of charges",
    "Swiggy — co-branded card cashback terms & 5% merchant list"
  ],
  "feeWaiver": "₹2 लाख वार्षिक खर्च पर शुल्क माफ",
  "networks": [
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "Swiggy रेट",
      "value": "10% (₹1,500/माह कैप)"
    },
    {
      "key": "टॉप ऑनलाइन ऐप्स",
      "value": "5% (₹1,500/माह कैप)"
    },
    {
      "key": "अन्य रिटेल खर्च",
      "value": "1% फ्लैट असीमित"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹500 + GST"
    },
    {
      "key": "शुल्क माफी",
      "value": "₹2 लाख सालाना खर्च"
    },
    {
      "key": "रिडेम्पशन",
      "value": "बिल में ऑटो-क्रेडिट"
    }
  ],
  "earnRates": [
    {
      "category": "Swiggy (Food, Instamart, Dineout, Genie)",
      "rate": "10.0%",
      "monthlyCap": "₹1,500 / माह कैप",
      "perLakhSpent": "₹10,000 (अधिकतम ₹1,500)"
    },
    {
      "category": "टॉप ऑनलाइन ऐप्स (Amazon, Flipkart, Myntra)",
      "rate": "5.0%",
      "monthlyCap": "₹1,500 / माह कैप",
      "perLakhSpent": "₹5,000 (अधिकतम ₹1,500)"
    },
    {
      "category": "अन्य सामान्य रिटेल और ऑफलाइन",
      "rate": "1.0%",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "₹1,000 Cashback"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "₹0"
    }
  ],
  "hasAccelerated": false,
  "acceleratedEarn": [],
  "redemptionRoutes": [
    {
      "route": "ऑटो स्टेटमेंट क्रेडिट",
      "value": "₹1.00 प्रति ₹1.00 कैशबैक",
      "minPoints": "₹0 (ऑटो-क्रेडिट)",
      "ceiling": "₹3,000 / माह",
      "fee": "शून्य",
      "isBest": true
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंपों पर ईंधन खर्च (सरचार्ज माफी लागू)।",
    "यूटिलिटी बिल और बीमा प्रीमियम।",
    "वॉलेट लोड और EMI रूपांतरण।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹500 + GST"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹500 + GST (₹2 लाख खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.6% प्रति माह (43.2% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 60 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹25,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹6 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}