An analytical theory is presented for linear, local, short-wavelength instabilities in swirling flows, in which axial shear, differential rotation, radial thermal stratification, viscosity and thermal diffusivity are all taken into account. A geometrical optics approach is applied to the Navier–Stokes equations, coupled with the energy equation, leading to a set of amplitude transport equations. From these, a dispersion relation is derived, capturing two distinct types of instability: a stationary centrifugal instability and an oscillatory, visco-diffusive McIntyre instability. Instability regions corresponding to different axial or azimuthal wavenumbers are found to possess envelopes in the plane of physical parameters, which are explicitly determined using the discriminants of polynomials. As these envelopes are shown to bound the union of instability regions associated with particular wavenumbers, it is concluded that the envelopes correspond to curves of critical values of physical parameters, thereby providing compact, closed-form criteria for the onset of instability. The derived analytical criteria are validated for swirling flows modelled by a cylindrical, differentially rotating annulus with axial flow induced by either a sliding inner cylinder, an axial pressure gradient or a radial temperature gradient combined with vertical gravity. These criteria unify and extend, to viscous and thermodiffusive differentially heated swirling flows, the Rayleigh criterion for centrifugally driven instabilities, the Ludwieg–Eckhoff–Leibovich–Stewartson criterion for isothermal swirling flows and the Goldreich–Schubert–Fricke criterion for non-isothermal azimuthal flows. Additionally, they predict oscillatory modes in swirling, differentially heated, visco-diffusive flows, thereby generalising the McIntyre instability criterion to these systems.