HDFC Bank credit card
Swiggy HDFC Bank Credit Card
Savor every bite with cashback delights.
Credofly overview
Is Swiggy HDFC Bank Credit Card right for you?
A co-branded credit card offering high cashback on Swiggy and online spends, coupled with exclusive membership perks, making it a valuable addition for foodies and digital shoppers.
Earn up to 10% cashback on Swiggy app transactions, including food ordering, Instamart, Dineout, and Genie.
What it costs
Fees & charges
Earning & redeeming
Rewards, made clear
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10% Cashback on Swiggy app transactions (Food ordering, Instamart, Dineout, Genie) up to ₹1,500 per billing cycle.
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5% Cashback on online spends across select categories up to ₹1,500 per billing cycle.
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1% Cashback on other eligible spends up to ₹500 per billing cycle.
How you can redeem
Cashback is credited as a statement credit in the subsequent billing cycle.
EMI Transactions, Wallet, Rent, Fuel, Government Spends, and Jewelry
<p>No cashback on fuel, wallet loads, rent payments, EMI transactions, jewelry purchases, or government-related spends.</p>Beyond rewards
Benefits that matter
Welcome offer
Complimentary Swiggy One Membership for 3 months upon card activation.
Milestone benefits
Annual Fee Waiver on spending ₹2 lakh in the card anniversary year.
Renewal benefits
Annual fee waived on spending ₹2 lakh in the card anniversary year.
Card benefits
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Swiggy One Membership: Enjoy free deliveries and exclusive discounts on Swiggy services.
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Mastercard Golf Benefits: Access to golf courses worldwide, 12 free lessons per year, and 4 complimentary rounds annually.
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Zero Lost Card Liability: Protection against fraudulent transactions upon immediate reporting.
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Interest-Free Credit Period: Up to 50 days from the date of purchase.
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Smart EMI Facility: Convert large purchases into manageable EMIs.
Our independent take
Credofly review
The Swiggy HDFC Bank Credit Card stands out for its generous cashback structure and added benefits like the Swiggy One membership. While it lacks features like lounge access, its focus on food delivery and online shopping rewards makes it a compelling choice for the target audience.
✔️ High cashback on Swiggy and online spends
✔️ Complimentary Swiggy One membership
❌ No lounge access or fuel surcharge waiver
Why we like it
Ideal for frequent Swiggy users and online shoppers seeking substantial cashback and exclusive membership benefits.
Strengths
- <p>Up to ₹42,000 annual savings through cashback</p>
- <p>Exclusive Swiggy One membership benefits</p>
- <p>Mastercard World privileges including golf benefits</p>
Watch-outs
- <p>No cashback on transactions below ₹100</p>
- <p>Excludes fuel, rent, EMI, and wallet load transactions from cashback</p>
- <p>No airport lounge access</p>
Before you apply
Eligibility & application
Eligibility
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Salaried Individuals: Age 21–60, Net Monthly Income ≥ ₹15,000
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Self-Employed Individuals: Age 21–65, Annual ITR > ₹6 lakh
How to apply
Apply online via Credofly: https://credofly.com/go/swiggy-hdfc. Complete the application form, submit necessary documents, and activate the card to enjoy benefits.
Your questions answered
FAQs
What is the cashback structure of the Swiggy HDFC Bank Credit Card?
Earn 10% cashback on Swiggy app transactions, 5% on select online spends, and 1% on other eligible spends, subject to monthly caps.
How do I activate the Swiggy One membership?
After card activation, claim the membership on the Swiggy app within 2–3 days.
Are there any exclusions to earning cashback?
Yes, transactions like fuel, rent, EMI, wallet loads, jewelry, and government-related spends are excluded.
What is the annual fee and how can it be waived?
The annual fee is ₹500 + GST, waived on spending ₹2 lakh in the card anniversary year.
Does the card offer lounge access?
No, the Swiggy HDFC Bank Credit Card does not provide airport lounge access.
What additional benefits does the card offer?
Mastercard World privileges including golf benefits, zero lost card liability, and interest-free credit period up to 50 days.
How is the cashback credited?
Cashback is credited as a statement credit in the subsequent billing cycle.
Is there a minimum transaction amount to earn cashback?
Yes, transactions below ₹100 do not qualify for cashback.
From cardholders
User reviews
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