If you’re a frequent Swiggy user, the Swiggy HDFC Bank Credit Card is a game-changer. This co-branded credit card offers exciting cashback and rewards on Swiggy orders, Instamart, Dineout, and more. In this article, we’ll cover all the details about this credit card, including its benefits, eligibility, and how to apply.
Key Benefits of Swiggy HDFC Bank Credit Card
1. Swiggy HDFC Bank Credit Card Benefits – 10% Cashback on Swiggy Orders
- Get 10% cashback on all transactions across Swiggy services, including Food Orders, Instamart, Dineout, and Genie.
- Maximum cashback: ₹1,500 per billing cycle.
2. Best Cashback Credit Card for Swiggy – 5% Cashback on Top Online Brands
- Earn 5% cashback on select online shopping platforms such as Amazon, Flipkart, and more.
- Maximum cashback: ₹1,500 per billing cycle.
3. 1% Cashback on All Other Spends
- Enjoy 1% cashback on all other purchases with a maximum cap of ₹500 per billing cycle.
4. Complimentary Swiggy One Membership
- Get a free 3-month Swiggy One Membership, which offers unlimited free deliveries and exclusive discounts.
5. Fuel Surcharge Waiver
- 1% fuel surcharge waiver at all fuel stations in India (on transactions between ₹400 and ₹5,000).
6. Dining & Travel Benefits
- Exclusive dining discounts through Swiggy Dineout.
- Mastercard World Benefits, including free golf sessions and premium lifestyle offers.
Fees & Charges
| Charge Type | Amount |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 (waived off if annual spend exceeds ₹2 lakh) |
| Interest Rate | 3.6% per month (43.2% per annum) |
| Cash Advance Fee | 2.5% of the amount (minimum ₹500) |
| Foreign Currency Markup | 3.5% of the transaction amount |
Eligibility Criteria
To apply for the Swiggy HDFC Bank Credit Card, you must meet the following criteria:
- Age: 21-60 years (for salaried individuals), 21-65 years (for self-employed individuals)
- Income: Minimum ₹15,000 per month (salaried) or ₹6 lakh per annum (self-employed)
- Credit Score: 700+ recommended
How to Apply for Swiggy HDFC Bank Credit Card
You can apply for the Swiggy HDFC Bank Credit Card through the HDFC Bank website or the Swiggy app.
Steps to Apply:
- Visit HDFC Bank’s official website or open the Swiggy app.
- Click on ‘Apply Now’ and enter your details.
- Submit your KYC documents (Aadhaar, PAN, income proof, and address proof).
- Wait for approval – HDFC Bank will process your application within a few days.
- Receive your card – Once approved, your physical card will be delivered, and you can start using it immediately.
Is the Swiggy HDFC Bank Credit Card Worth It?
This credit card is perfect for Swiggy users who frequently order food, groceries, or use Dineout. If you spend regularly on Swiggy, you can maximize cashback and save big. However, if your spends are minimal on Swiggy, you may not get the best value from this card.
Frequently Asked Questions (FAQ)
1. What is the Swiggy HDFC Bank Credit Card?
The Swiggy HDFC Bank Credit Card is a co-branded credit card designed for users who frequently use Swiggy services, offering cashback and rewards on food orders, groceries, and more.
2. How much cashback can I earn with this card?
- 10% cashback on Swiggy orders (max ₹1,500 per billing cycle).
- 5% cashback on select online brands (max ₹1,500 per billing cycle).
- 1% cashback on other spends (max ₹500 per billing cycle).
3. How do I apply for the Swiggy HDFC Bank Credit Card?
You can apply via the HDFC Bank website or the Swiggy app, by filling out an online application and submitting KYC documents.
4. Is there an annual fee?
Yes, there is a ₹500 annual fee, but it is waived if you spend ₹2 lakh or more annually.
5. Can I use this card for international transactions?
Yes, you can use this card internationally. However, a foreign currency markup fee of 3.5% applies.
6. How long does it take to receive the card after approval?
Once approved, the card is typically delivered within 7-10 working days.
7. Does this card offer lounge access?
No, the Swiggy HDFC Bank Credit Card does not offer airport lounge access.
8. Can I convert my purchases into EMI?
Yes, HDFC Bank allows eligible transactions to be converted into EMI plans with applicable interest rates.
9. What should I do if my card is lost or stolen?
If your card is lost or stolen, immediately block it via the HDFC Bank app, net banking, or customer care and request a replacement.
10. How can I check my cashback earnings?
You can check your cashback earnings through HDFC Bank net banking, the mobile app, or your monthly statement.
The Swiggy HDFC Bank Credit Card is an excellent choice for foodies and online shoppers looking to earn cashback and enjoy premium benefits. With 10% cashback on Swiggy, 5% on top brands, and complimentary Swiggy One membership, this card is a must-have for regular Swiggy users.
Apply Now and Start Saving!
Apply for Swiggy HDFC Bank Credit Card
