Swiggy HDFC Bank Credit Card Upgrade: Now Get 6% Discount on Flights and Bus Bookings via Paytm Travel
- Anusha Madda
- 15 minutes ago
- 7 min read
Introduction: A Festive Treat for Travel and Food Lovers
Just before the festive season, when people in India are preparing to take holidays, meet their families, and celebrate lavishly, Swiggy and HDFC Bank have announced a significant change to their already famous Swiggy HDFC Bank Credit Card.
This upgrade will introduce a benefit related to travel, which will certainly attract both frequent and occasional users. At this point, Paytm Travel customers will receive a flat discount of 6 per cent on domestic and international flight tickets and intercity bus tickets. This proposal is valid among existing and new Swiggy HDFC Bank Credit Card holders, and it is currently one of the most comprehensive lifestyle and travel cards in India.
When you are a person who orders a lot of food online, books cabs or flights, or even travels home at the time of the festive season, then you may consider using this credit card as your new financial friend. So, get in-depth to understand the specialty of this offer, the specific benefits, and eligibility to use and take the full advantage of this enhanced feature.
Swiggy HDFC Bank Credit Card: A Quick Overview
The Swiggy HDFC Bank Credit Card has been designed to serve the rising number of digital consumers who are fond of convenience, rewards, as well as savings, and also to those who are often users of Swiggy, Swiggy Instamart, and other online services. This card was already thought to be giving the best-in-class cashback on food delivery, grocery shopping, and lifestyle spending, and with the addition of the travel discounts through Paytm Travel, it becomes a more comprehensive lifestyle card.
Key highlights of the Swiggy HDFC Bank Credit Card:
Type: HDFC Bank Swiggy co-branded credit card.
Targeted at: Foodies, online shoppers, and frequent travelers.
Adds: 6% flight and intercity bus ticket discount on Paytm Travel.
Reward system: 10 percent cashback on Swiggy purchases and five percent on the leading brands.
Annual Fee: Rs 500 plus taxes (subtracted from minimum annual expenditure requirements)
Cashback in Swiggy Money: Transferred to your Swiggy account.
What's New: 6 per cent Travel Discount through Paytm.
The most recent feature addition to the Swiggy HDFC Bank Credit Card is making travelling cheaper. Time to fly home during Diwali, going on a winter holiday, or just want to take a ride in a bus across cities, now you will get a flat discount of 6% off on flights or intercity bus tickets on Paytm Travel when you use the Swiggy HDFC Bank Credit Card.
Here's What You Get:
A domestic booking of 6 percent instant discount
6 percent international flight booking discount
6 percent discount on tickets booked on intercity buses.
Only applicable to Paytm Travel.
Applicable to existing and new cardholders.
The timing of this offer is quite good, considering the festive travel season when the airfares tend to go high and the intercity travel demand is very high. Through this functionality, Swiggy and HDFC Bank are making the card a lifestyle and travel powerhouse, as opposed to a food-focused product.
The Reason This Upgrade is Important: Food Meets Travel Convenience.
The majority of co-branded credit cards in India specialize in one category, such as food, travel, and shopping. The Swiggy HDFC Bank Credit Card is, however, turning out to be a multi-dimensional lifestyle card and would satisfy all your daily and seasonal spending needs.
The reason why this upgrade is an intelligent step is as follows:
Demand To Travel Is Soaring Post-COVID
With travel bans being extended and families reconvening to celebrate, the travel industry in India is once more flourishing. The number of flights and buses booked to Diwali, Christmas, and New Year is soaring, and therefore, the value of travel benefits on the credit card is now more than ever before.
Paytm Travel Integration
With the partnership with Paytm Travel, which is one of the most reputable booking sites in India, Swiggy and HDFC Bank have made sure that their clients have the convenience of booking, the assurance of a reliable service, and immediate discounts at the same time.
Extended Lifestyle Value
The Swiggy HDFC Bank Credit Card was a food and grocery lover before. It has now been upgraded to be attractive to frequent travelers, professionals, and families with holistic value in the areas of dining, shopping, and travel.
Full List of Swiggy HDFC Bank Credit Card Advantage (2025 Update)
The following is a step-by-step list of what will be included in the package of holding the Swiggy HDFC Bank Credit Card with the old and the new features.
Category | Benefit Details |
Swiggy Orders | 10% cashback on Swiggy app orders (food, Instamart, Dineout) |
Top Online Brands | 5% cashback on select merchants like Amazon, Myntra, and BookMyShow, |
Other Online Spends | 1% cashback on all online transactions |
Paytm Travel (New) | 6% discount on domestic/international flights and intercity bus bookings |
Fuel Surcharge Waiver | 1% fuel surcharge waiver across petrol pumps |
Annual Fee Waiver | Spend ₹2 lakh annually to get the next year’s fee waived |
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. |
Reward Redemption | All cashback credited as Swiggy Money in your app wallet |
To know more details of the card and the unbiased AI score of the card, click here
Who Should Get the Swiggy HDFC Bank Credit Card?
This credit card is ideal for:
Swiggy/dining out food lovers.
Online customers who desire cashback on online stores.
Paytm Travel is used by frequent travelers seeking discounts.
Cross-category spending among families and professionals.
Savvy consumers who do not like complicated reward cards but like direct cashback.
Basically, when your monthly spending is used for food delivery, internet shopping, and traveling once a month, this card is mandatory.
How to Apply for the Swiggy HDFC Bank Credit Card
It is easy to apply to this card. You will apply either through Swiggy or HDFC Bank.
Steps to Apply:
Using the Swiggy app, swipe on the Swiggy HDFC bank credit card banner or go to the HDFC bank credit card page.
Input your fundamental personal and money information.
Carry out the KYC and verification process online.
After the approval, your virtual card is given to once to use.
It can be used now to do transactions with Swiggy and Paytm Travel.
The tip is to always enter your card in your Paytm Travel account to make sure that the discount of 6 percent is automatically taken off.
The reason why Paytm Travel Integration matters
The card provides travel benefits like many other credit cards, but the difference is that this card is the UAE's only credit card partner with Paytm Travel, which is ranked among the top travel booking sites in India.
With Paytm Travel, you can:
Convenience in booking domestic and international flights.
Select hundreds of airlines/bus operators.
Receive immediate discounts without having to use a promo code.
Earn Paytm reward cards on top of card discounts.
Then, by swiping with your Swiggy HDFC Bank Credit Card to Paytm Travel, you are accumulating, getting discounts, cashbacks, and rewards at the same time.
Best Ways to Maximize Your Benefits
To maximize the benefits of this enhanced credit card, the following are a couple of clever moves:
Book Flights in Sale Seasons
Get a 6% Paytm Travel discount in addition to on-airline promotions.
Use Swiggy for your everyday needs.
Order groceries, food, and redeem with Dineout during weekends, and 10% cashback is guaranteed.
Shop on Partner Sites
Make purchases with Amazon, Flipkart, or Myntra with the help of the card and get 5 percent cashback.
Pay Bills Online
Earn a base cash back of 1 percent on utility payments using your card.
Swiggy App Cashback Track
Keep on counting your Swiggy Money wallet to see what you have earned and what you have redeemed.
Festive Season Advantage
This update has not been implemented randomly. Indians spend the most during the festive period of October-December
Food delivery and dining
Family travel
Shopping and gifting
The brands are achieving this by adding a travel discount to the Swiggy HDFC Bank Credit Card to keep the users loyal to the ecosystem to order meals, book tickets, and shop with the same card. This will render it one of the best festive premium credit card offers in India in 2025.
Pros and Cons
Pros:
Superb cashbacks on Swiggy and associated websites.
Paytm New 6% travel discount.
Swiggy Money: Easy redemption.
Affordable annual fee
Onboarding and instant activation with digital technology.
Cons:
Only Paytm Travel is subject to a discount.
Cashback is exclusive to the Swiggy ecosystem.
None of the airport lounges (at least at the moment)
Conclusion: The Ultimate Lifestyle and Travel Card Combination
The Swiggy HDFC Bank Credit Card upgrade gives it a travel aspect that actually completes the lifestyle aspect of the card. Whether it is the savings on your daily meals or discounts on the festive travel, this card now checks all the boxes in the mind of the present-day consumers.
It does not matter whether it is a ticket to see family members or an order of biryani on Swiggy; this card will save you money at every turn. It is obvious that it is not a food card anymore, with the new discounts of 6 percent on flights and buses using Paytm Travel, because it is now a full-fledged lifestyle credit card targeted at the digital generation of India.
In case you are in search of a credit card that integrates food, travel, and cashback rewards, the Swiggy HDFC Bank Credit Card is most suitable in the year 2025.
FAQ's
What is the added value in the Swiggy HDFC Bank Credit Card?
Swiggy and HDFC Bank have also updated their co-branded credit card to allow a 6 percent discount when booking domestic and international flights and intercity bus tickets through Paytm Travel. This is an additional benefit that could be enjoyed by existing and new cardholders, and travelers will find their trips more rewarding during the festive season.
What is the 6 percent Paytm Travel discount with a Swiggy HDFC Bank credit card?
You just have to book flights or intercity bus tickets on Paytm Travel and use the Swiggy HDFC Bank Credit Card to pay. The discount 6 will be automatically displayed on checkout- no promo code or coupon is needed.
Why is the Swiggy HDFC Bank Credit Card the best in the year 2025?
Swiggy HDFC Bank Credit card has: Cashback of 10% on Swiggy food, Instamart, and Dineout orders. Cashback of 5 percent on leading online retailers such as Amazon and Myntra. Cashback 1% on all online purchases. 6 percent of Paytm Travel bookings. Fuel charge-free and convenient cashback redemption through Swiggy Money.
Does Paytm Travel offer offer discount on local and international flights?
Yes, it is the 6% discount applicable to domestic and international flights making and intercity bus making only through Paytm Travel with the Swiggy HDFC Bank Credit Card.
What is the annual fee of the Swiggy HDFC Bank Credit Card, and is this waivable?
Annual fee is Rs500 + GST, which is not to be paid in the case you spend 2 lakh or above during a year. This has enabled it to be one of the cheapest lifestyle and travel credit cards in India that has high cashback capability.
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