Swiggy HDFC Credit Card is directly competing with SBI Cashback card, Amazon Pay ICICI Card, and Flipkart Axis bank card as it offers 5% cashback on your spending on Amazon, Flipkart, BookMyShow, and 1000s of other online shopping sites.
With the Swiggy HDFC credit card, you will get up to 12% off on hotel booking on Agoda, 10% cashback on your spending on Swiggy, 5% cashback on spending on online shopping sites, and 1% cashback on offline spending. There is no cashback on fuel spending, insurance, rent payments, etc, KIndly read this Swiggy HDFC credit card review to know the cashback rate, fees, etc of this card.
|Suitable for||Food, Online shopping|
|Cashback rate||Up to12%|
|Welcome benefit||3 month Swiggy One membership on activating card|
|Partner bank||3-month Swiggy One membership on activating card|
Also Read: SBI Cashback Credit Card Review
Fees & Charges
|Joining fee||₹ 500|
|Renewal fee||₹ 500|
|Forex charge||3.5% of the transaction amount|
|Interest||3.5% per month (42% annualised)|
|Reward redemption fee||NA|
|Annual fee waiver||The annual fee will be waived on spending RS.2 lakh in the previous year.|
|Fuel Surcharge Waiver||1% fuel surcharge waiver on transactions between Rs.400 to Rs.4000 and capped at ₹100 per statement cycle.|
Also Read: Amazon Pay ICICI Credit Card Review
Cashback & Rewards
|Food, Instamart, Dineout & Genie||10%||₹1500/month|
|i) E-commerce |
(v) Local cabs
(vi) Department stores
(vii) Home decor
(ix) Personal care
(x) Discount stores
|offline spends and other food, grocery & dining apps||1%||₹500/month|
5% cashback on online spending On 1000s of online platforms & apps like Amazon, Myntra, Snapdeal, BookMyShow, and Flipkart, etc.
No cash back on rent payments, utilities, fuel, insurance, EMI, Jewelry, Govt spending, & Wallet loads.
Cashback earned on your Swiggy HDFC credit card will be added to your Swiggy money account within 10 working days of bill generation and this balance can be used to order from Swiggy, Swiggy Instamart, dine out, and genie orders. There is no reward redemption applicable.
Benefits of Swiggy HDFC Credit Card
- Up to 12% instant discount on worldwide hotels on Agoda
- One night & one dines free at select Mastercard partners globally
- 12 free golf lessons/per year in India
- Enjoy a wide range of Mastercard World benefits with this card
How To Apply
- You can apply for this credit card from the Swiggy app only
- Open the Swiggy app and fill details
- Complete KYC
- Your card application will be processed instantly
- If approved then you have to complete KYC
- Indian resident
- Age – Minimum 21 years and maximum 65 years
- Salary/ITR – No official update (3.5Lakh is good)
I have already 2 HDFC credit cards will I get a Swiggy HDFC credit card?
Yes, definitely you can apply for a Swiggy HDFC credit card although if you have 2 HDFC credit cards but if you have 3 HDFC bank credit cards then your approval chances for a Swiggy credit card is very low.
What is the joining fees & annual fee of the Swiggy HDFC credit card?
The joining fee and annual fee of the Swiggy HDFC credit card is Rs. 500+ taxes, your annual fee will be waived on spending a minimum of 2 lakh rupees in the previous year.
When will I get cashback for my HDFC Swiggy credit card?
Cashback earned on your Swiggy HDFC credit card will be credited to your Swiggy wallet within 10 working days of bill generation and this cashback can only be used to order food, groceries from Swiggy & Swiggy Instamart, dineout & genie orders.
Which categories of Swiggy offer 10% cashback
You will get 10% cash back on Swiggy on Food, Instamart, Dineout & Genie.
On Which online spending will I get 5% cashback?
You will get 5% cashback on spending on the following categories: (i) E-commerce (ii) Electronics (iii) Entertainment (iv) Hobbies (v) Local cabs (vi) Department stores (vii) Home decor (viii) Medical (ix) Personal care (x) Discount stores.
Will I get 5% cashback on Amazon & Flipkart with a Swiggy HDFC credit card
Yes, you will get 5% cashback on your spending on Amazon & Flipkart with your HDFC bank Swiggy credit card, there is a capping limit on cashback per month.
What is the customer care number of HDFC Bank Swiggy Credit Card?
You can reach out to HDFC Bank at 1860 202 6161 for issues & inquiries on your Swiggy credit card.
Swiggy HDFC credit card is competing with Amazon Pay ICICI card, Flipkart Axis card, and SBI cashback card directly.
If you have any one of these credit cards and casually order from Swiggy then this credit card is not for you as it has high spending to reach annual fee waiver. But if you don’t have a good cashback credit card then definitely you should get a HDFC Swiggy credit card which will help you to save money on your online spending.
Another drawback of this credit card is cashback will be credited to your Swiggy money wallet, it’s not bad for those who regularly order from Swiggy.
I have tried my best to share Swiggy HDFC credit card features, benefits & charges, and how you can maximize your savings using this card. I hope this credit card review was helpful for you kindly share it with others on your social media.
Are you using a Swiggy HDFC Bank Credit Card? Share your experience in the comment section below.
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