Swiggy HDFC Bank Credit Card
Savor every bite with cashback delights.
Network: Mastercard | Type: Cashback | Reward: Cashback
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Fees & Charges
- Joining Fee: ₹500 + GST
- Annual Fee: ₹500 + GST
- Waiver: Waived on spending ₹2 lakh in the card anniversary year
- Foreign Markup: 3.5% + GST
- Fuel Surcharge: Not applicable
- Redemption Fee: None
- Late Payment Fee: ₹100 – ₹1,300 based on outstanding amount
- Interest Rate: 3.6% per month
- Cash Advance: 2.5% or ₹500 minimum
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.
Rewards & Earnings
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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.
Cashback is credited as a statement credit in the subsequent billing cycle.
Benefits
- Welcome:
Complimentary Swiggy One Membership for 3 months upon card activation.
- Milestone:
Annual Fee Waiver on spending ₹2 lakh in the card anniversary year.
- Renewal:
Annual fee waived on spending ₹2 lakh in the card anniversary year.
- Lifestyle:
Why We Like It
Ideal for frequent Swiggy users and online shoppers seeking substantial cashback and exclusive membership benefits.
Pros & Cons
✅ Pros
Up to ₹42,000 annual savings through cashback
Exclusive Swiggy One membership benefits
Mastercard World privileges including golf benefits
❌ Cons
No cashback on transactions below ₹100
Excludes fuel, rent, EMI, and wallet load transactions from cashback
No airport lounge access
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.
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.
User Reviews
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