Swiggy HDFC Bank credit Card is best suited for those people who frequently use swiggy for food or other item purchase from Swiggy App. Swiggy HDFC Bank Credit Card comes with 2 amazing benefits first one is it offers 10% cashback on Swiggy App including Food delivery, Instamart, Dine Out and Genie. And second benefit is it gives 5% cashback across many online platform, also 1 % cashback on all offline spent from Swiggy HDFC Bank Credit Card.
This card comes with annual fees of Rs. 500. You can earn annual cashback of Rs. 18000 from only swiggy platform if you spent more than Rs.15000 on swiggy.
Joining Fees: Rs.500
Renewal Fees: Rs.500 (Waived off on spent of Rs.2 Lakh in a year)
Best For: Shopping and Food
Welcome Benefits: 3 month free membership of swiggy Genie
Swiggy HDFC Credit Card Benefits
- Swiggy HDFC Credit Card offers 10% Cashback on food, Instamart, Dineout and Swiggy Genie Via Swiggy App
- You’ll get 5% of cashback if you spent on merchant website via online.
- Swiggy HDFC Card offers 1% cashback on other transactions.
- To redeem cashback you have to download swiggy app and need to link your Swiggy HDFC Credit card with your swiggy account.
- There will be no annual fees charged if you spent more then Rs. 2 lakh from credit card within a year.
- This card comes with zero lost card liability if you report about lost of your card to call center within 24 hour.
- Enjoy credit limit for 50 days without any interest rate on Swiggy HDFC Bank Credit card
- You can convert your large purchase into EMI’s with smart EMI facility of this credit card.
- A minimum charge of Rs. 250 or 1% of the loan amount, whichever is higher, for balance transfer from credit card.
- You can only earn Cashback if you spent more than Rs. 100
- You can do maximum transaction of Rs. 5000 via contactless in a single transaction you don’t need pin for it.
- For transaction more than Rs. 5000 you have to enter the pin.
- If you spent more than Rs.35000 than you’ll get 3 months of Swiggy One Membership worth Rs.1199 and Food coupon of worth Rs.500.
- If you spent more than Rs.50000 than you’ll get 6 months of Swiggy One Membership worth Rs.2399 and food coupon of worth Rs.1000.
The terms and rewards of this offer are simple. Many people can easily spent ₹35,000 or ₹50,000.
Offer Terms
- This offer is valid only for Indian citizens.
- This offer is not valid on rent payment via credit card.
- This offer is not extendable and non negotiable.
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Eligibility Criteria For Swiggy HDFC Credit Card
If you are planning to apply then you have to fulfil these Eligibility criteria For Swiggy HDFC Credit card
| For salaried Person | For Self Employed | |
| Age | Minimum: 21 Years Maximum: 60 Years |
Minimum: 21 Years Maximum: 65 Years |
| Net Income | Net Monthly Income should be more than Rs. 15000 | Annual ITR should be more than 6 Lakh |
How Does Swiggy Money Work?
Swiggy Money is a wallet balance that credited directly to your Swiggy account, you can pay from it for your orders. Here’s how it works:
- The amount will credited to your Swiggy account which is linked with your card within 8 to 10 days after generation of your statement.
- You can use Swiggy Money to pay for your orders on the Swiggy app or website. Select swiggy money as a payment option while placing your order from swiggy.
- Unused Swiggy Money keeps adding up throughout the month.
- From June 21, 2024, cashback will show in your statement.
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How to Link Swiggy HDFC Credit Card to the Swiggy App
To Link your Swiggy HDFC Bank Credit Card to the Swiggy app is easy. Follow these steps to link:
- Open the Swiggy app and go to the Credit Card page.
- Click on the Accounts section.
- Select Swiggy HDFC Bank Credit Card from the list.
- Scroll down to the “Already Got the Card?” section and tap “Link Your Card to Swiggy.”
- Enter the registered mobile number with credit card.
- Enter the OTP which is sent to your registered mobile number.
Congratulations! Your Swiggy HDFC Credit Card is now linked, and you’re ready to enjoy the benefits.
FAQs about Swiggy HDFC Credit Card
Q. What is the Swiggy HDFC Credit Card?
Swiggy HDFC Credit Card is a co-branded credit card offered by Swiggy and HDFC Bank, This card offering cashback and rewards on food orders, dining, and other spending across all platform.
Q. What are the charges for the Swiggy HDFC Credit Card?
- Annual Fee: ₹500 + GST (waived on annual spending of ₹2 lakh)
- Interest Rate: Interest will charge as per HDFC Bank’s standard credit card charges.
- Late Payment Fees: late payment fees will depend on the total outstanding amount
Q. What is the credit limit for the Swiggy HDFC Credit Card?
The credit limit depends on your credit score, income and bank’s policy.
Q. What are the benefits of the Swiggy HDFC Credit Card?
- This card offers 10% cashback on Swiggy orders (food, Instamart, Dineout)
- 5% cashback on online shopping
- 1% cashback on other spends
- Swiggy One membership benefits
- Fuel surcharge waiver
Q. How can I check the status of my Swiggy HDFC Credit Card application?
You can status of your credit card application on HDFC Bank website using your application reference number and mobile number.
Q. How good is the Swiggy HDFC Credit Card? (Review)
This credit card is great for Swiggy users who regularly order food or groceries, this credit card offers high cashback on Swiggy transactions. This card also provides good cashback on other online spends.
Q. How can I check cashback earned on my Swiggy HDFC Credit Card?
You can check cashback details in the HDFC Bank app or net banking under the Credit Card Rewards section. Cashback is usually credited in the next billing cycle.
Q. What should I do if my Swiggy HDFC cashback is not received?
If your cashback is missing, check the following:
- Ensure the transaction is eligible for cashback.
- Check your latest credit card statement.
- Wait for the cashback processing period (usually 30-45 days).
- If still not received, contact HDFC Bank customer support.
