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 of
HDFC Swiggy Credit Card
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
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
Fee and Charges of
HDFC Swiggy Credit Card
Special Features
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.
Eligibility Criteria
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
Speical Feature, Eligibility and Benefits of
HDFC Swiggy Credit Card
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 of
HDFC Swiggy Credit Card
Find Offers on Your Credit Card
Find Offers on Your Credit Card
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