Welcome Benefit:Users will get a free Swiggy One membership for 3 months, with exclusive discounts and benefits like free deliveries and priority customer service.
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HDFC Swiggy Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefit:Users will get a free Swiggy One membership for 3 months, with exclusive discounts and benefits like free deliveries and priority customer service.
Milestone Benefits
None.
Cashback Rate
Users will get flat 10% cashback on Swiggy orders (food delivery, groceries, Dineout, Genie), capped at INR 1500 per month.
5% cashback on online shopping across various categories like Amazon, Flipkart, Myntra, BookMyShow, etc., capped at INR 1500 per month.
1% cashback on all other eligible spends, capped at INR 500 per month.
Movie Benefits
None.
Dining Benefits
Reward System: Users will get flat 10% cashback on Swiggy orders (food delivery, groceries, Dineout, Genie), capped at Rs 1500 per month.
Other Benefits
Annual Fee Reversal:The annual fee of Rs 500 is waived if the user spends Rs 2,00,000 or more in a year.
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
Welcome Benefit:Users will get a free Swiggy One membership for 3 months, with exclusive discounts and benefits like free deliveries and priority customer service.
Milestone Benefits
None.
Cashback Rate
Users will get flat 10% cashback on Swiggy orders (food delivery, groceries, Dineout, Genie), capped at INR 1500 per month.
5% cashback on online shopping across various categories like Amazon, Flipkart, Myntra, BookMyShow, etc., capped at INR 1500 per month.
1% cashback on all other eligible spends, capped at INR 500 per month.
Movie Benefits
None.
Dining Benefits
Reward System: Users will get flat 10% cashback on Swiggy orders (food delivery, groceries, Dineout, Genie), capped at Rs 1500 per month.
Other Benefits
Annual Fee Reversal:The annual fee of Rs 500 is waived if the user spends Rs 2,00,000 or more in a year.
Lounge Access
None.
Fees & Charges
Joining Fee
Rs. 500
Annual Fee
Rs. 500
Cash Advance Fee
A transaction fee of 2.5% or ?500 whichever is higher.
Interest rate
Interest Rate: 3.6% per month (i.e., 43.2% per annum).
Late Payment Fee
Late Payment Charges: Ranges from INR 100 to INR 1300.
Foreign Currency Transactions Fee
Foreign Currency Mark-up Fees: 3.5%
Other Fees
Cash Advance Charges: A transaction fee of 2.5% or ₹500 whichever is higher. | Reward Redemption Fee: INR 99
Fees & Charges
Joining Fee
Rs. 500
Annual Fee
Rs. 500
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 3.6% per month (i.e., 43.2% per annum).
Late Payment Fee
Late Payment Charges: Ranges from INR 100 to INR 1300.
Foreign Currency Transactions Fee
Foreign Currency Mark-up Fees: 3.5%
Other Fees
Cash Advance Charges: A transaction fee of 2.5% or ₹500 whichever is higher. | Reward Redemption Fee: INR 99
Special Features
10% cashback earned on the Swiggy HDFC Bank credit card is redeemable as Swiggy Money only on the Swiggy application on the following Swiggy platforms -
Food ordering
Instamart
Dineout
Genie
Eligibility Criteria
You must be an Indian citizen.
You must be 21-60 years of age if you are salaried, and 21-65 years of age if you are self-employed.
Your net monthly income must be greater than Rs. 15,000 if you are salaried, and your ITR must be greater than Rs. 6 lakhs per annum if you are self-employed.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Eligibility: Check if you meet the eligibility criteria, which typically include a minimum income and age requirement (details on HDFC website).
Apply online: Visit the HDFC Bank website or app and fill out the online application form.
Documents: Submit the required documents like PAN card, address proof, and income proof.
Verification: HDFC will verify your documents and creditworthiness.
Approval: Upon approval, you will receive your credit card within 7-10 working days.
Contact Details
1800 1600
Account Opening and Procedure
The HDFC Swiggy Credit Card is a good choice for frequent Swiggy users and online shoppers who can manage the annual fee. The high cashback rates and Swiggy One membership make it a valuable card for these groups. However, if you don't use Swiggy often or prioritize flexibility in reward redemption, other cards might be a better fit.
The HDFC Swiggy Credit Card is a good choice for frequent Swiggy users and online shoppers who can manage the annual fee. The high cashback rates and Swiggy One membership make it a valuable card for these groups. However, if you don't use Swiggy often or prioritize flexibility in reward redemption, other cards might be a better fit.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai