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HDFC Swiggy Credit Card

Product Details
Credit Card Name : 

HDFC Swiggy Credit Card

Bank Name :

HDFC Bank

Type :

Cashback Credit Card

Interest Rate : 

3.6% per month (i.e., 43.2% per annum)

Eligibility :

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.

HDFC Swiggy Credit Card
Pros
  • Welcome Benefit: Earn free Swiggy One membership for 3 months, with exclusive discounts and benefits like free deliveries and priority customer service.

  • Reward System: Get flat 10% cashback on swiggy order (food delivery, groceries, Dineout, Genie), capped at INR 1500 per month. Enjoy 5% cashback on online shopping across various categories like Amazon, Flipkart, Myntra, BookMyShow, etc., capped at INR 1500 per month. Earn 1% cashback on all other eligible spends, capped at INR 500 per month.

  • Annual Fee Reveral: The annual fee of INR 500 is waived off if you spend INR 2,00,000 or more in a year.

Cons
  • No free lounge visit.

  • No free movie tickets. 

  • Limited number of value add features. 

Pros & Cons
Welcome Benefits

Complimentary Swiggy One Membership for 3 months on card activation.

Rewards System

Reward System: Get flat 10% cashback on swiggy order (food delivery, groceries, Dineout, Genie), capped at INR 1500 per month. Enjoy 5% cashback on online shopping across various categories like Amazon, Flipkart, Myntra, BookMyShow, etc., capped at INR 1500 per month. Earn 1% cashback on all other eligible spends, capped at INR 500 per month.

International Forex Markup

3.5%.

Welcome Benefits and Reward System
Special Features

10% Cashback earned on Swiggy HDFC Bank Credit Card is redeemable as Swiggy Money only on Swiggy application on 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.

Benefits
  • Great cashback card. 

  • Good online shopping cashback. 

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  1. Eligibility: Check if you meet the eligibility criteria, which typically include a minimum income and age requirement (details on HDFC website).

  2. Apply online: Visit the HDFC Bank website or app and fill out the online application form.

  3. Documents: Submit the required documents like PAN card, address proof, and income proof.

  4. Verification: HDFC will verify your documents and creditworthiness.

  5. Approval: Upon approval, you will receive your credit card within 7-10 working days.

Contact Details

1800 1600

Account Opening and Procedure
HDFC Swiggy 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.

Abhijeet Saxena

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

Product Review
Fees & Charges
  • Joining Fee / Renewal Membership Fee – ₹500 /- + Applicable Charges

  • Cash Advance Charges: A transaction fee of 2.5% or ₹500 whichever is higher

  • Late Payment Charges: Ranges from INR 100 to INR 1300. 

  • Interest Rate: 3.6% per month (i.e., 43.2% per annum)

  • Foreign Currency Mark-up Fees: 3.5%

  • Reward Redemption Fee: INR 99

Fuel Surcharge

1%, waived on transactions between INR 400 and INR 4,000

Billing Cycle

30 Days

Fees & Charges
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