If you want to earn cashback while ordering food online on Swiggy, including food delivery, Instamart, Dine Out, and Genie, the Swiggy HDFC Bank Credit Card is the best Credit card.
The card is a great pick for people who use Swiggy often and spend a lot on it every month.
Swiggy HDFC Bank Credit Card Value Chart
If you’re not a Swiggy user, this card still offers 5% cash back on other online purchases and 1% offline ones. This makes it a solid option for earning cashback, competing with popular Credit Cards like Cashback SBI and Axis Ace.
| Benefit | Monthly Spend | Annual Savings |
|---|---|---|
| 10% Cashback on Swiggy Food Orders | Rs. 15,000 | Rs. 18,000 |
| 5% Cashback on E-Shopping | Rs. 30,000 | Rs. 18,000 |
| 1% Cashback on Other Categories | Rs. 50,000 | Rs. 6,000 |
| Swiggy One Membership (3 months) | – | Rs. 1,199 |
| Average Savings with Swiggy One | – | Rs. 2,100 |
| Total Monthly Spend Required | Rs. 95,000 | Rs. 45,299 |
- High Savings Potential: By spending Rs. 95,000 monthly across these categories, you can achieve savings of up to Rs. 45,299 annually.
- Swiggy Benefits: The card offers strong value on Swiggy orders and e-shopping, making it ideal for frequent Swiggy users and online shoppers.
Welcome Benefit: Complimentary Swiggy One Membership
Free 3-Month Swiggy One Membership: Get a Swiggy One Membership for 3 months as a welcome benefit when you activate the Swiggy HDFC Bank Credit Card. This perk is available to all new cardholders.
Swiggy One is a premium subscription offering perks like free delivery and exclusive restaurant discounts on food, Instamart, and Genie orders.
How to Activate the Card & Claim the Welcome Benefit
- Make a Transaction: Use the card to complete a transaction.
- Enable Card Controls: Set a PIN, and enable features like online transactions and international transactions via OTP or IVR.
Once your card is activated, claim the Swiggy One Membership through the Swiggy app. This option will appear within 2-3 days of activation.
Cashback cannot be earned on Swiggy Money Wallet, Swiggy Minis, Swiggy Liquor, or any future restricted categories such as Fuel, rent, EMIs, jewelry, wallet, or government-related transactions.
If you’re spending close to a lakh monthly, a premium Credit card might give you even better rewards. But if you’re simply looking for decent cashback without aiming for the max, Swiggy credit card still offers solid savings.
Features and Benefits of Swiggy HDFC Bank Credit Card
- Zero Lost Card Liability: If you lose your Swiggy HDFC Bank Credit Card, report it immediately to 24-hour customer care to avoid any liability for fraudulent transactions. This feature ensures secure credit card usage and protection against fraud.
- Up to 50 Days Interest-Free Credit: Enjoy up to 50 days of interest-free credit on purchases made with your Swiggy HDFC Bank Credit Card. This benefit applies if the merchant submits the charges promptly, providing flexibility for smart money management.
- Revolving Credit Option: Access revolving credit at a competitive interest rate. Check the fees section for specific details. This feature allows flexible repayment options on your credit card balance.
Renewal Offer
Enjoy a Renewal Fee Waiver on your Swiggy HDFC Bank Credit Card if you spend Rs. 2,00,000 or more within the renewal year. Note that certain transactions are excluded from this spending threshold:
- Cash on Call
- Balance Transfers
- Cash Withdrawals
- Contactless Payments
This means that to qualify for the waiver, spending must be in categories other than these exclusions.
Contactless Payment Feature
Your Swiggy HDFC Bank Credit Card is equipped with contactless payment technology for fast, convenient, and secure transactions. This feature allows you to simply tap your card for payments up to ₹5,000 at retail outlets in India without needing a PIN. For amounts above ₹5,000, entering your PIN is required for added security.
Smart EMI Facility
Convert large purchases into Smart EMIs with the Swiggy HDFC Bank Credit Card, making it easier to manage big expenses. With flexible terms, you can enjoy stress-free repayments without straining your monthly budget.
- Balance Transfer on EMI: You can also transfer outstanding balances from other cards to your Swiggy HDFC Bank Credit Card at a 1% processing fee of the loan amount (minimum Rs. 250, exclusive of GST). This helps you consolidate debt with easier EMI options.
Mastercard Golf Benefits
With the Swiggy HDFC Bank Credit Card, you can enjoy exclusive Mastercard Golf Privileges:
- Access to golf courses worldwide
- 12 complimentary golf lessons per year
- 4 free rounds of green fees annually
- 50% discount on green fees beyond the complimentary rounds
These unique features make the Swiggy HDFC Bank Credit Card more than just a cashback card. With additional perks like contactless payments, Smart EMI options, and Mastercard golf benefits, it’s designed for users who seek both rewards and premium lifestyle experiences!
Eligibility Criteria for Swiggy HDFC Bank Credit Card
To apply for the Swiggy HDFC Bank Credit Card, applicants must meet certain eligibility criteria based on employment type and income.
Eligibility Criteria for Salaried Individuals
| Criteria | Requirement |
|---|---|
| Nationality | Indian |
| Age | 21 – 60 years |
| Net Monthly Income | Minimum Rs. 15,000 |
Eligibility Criteria for Self-Employed Individuals
| Criteria | Requirement |
|---|---|
| Nationality | Indian |
| Age | 21 – 65 years |
| Annual Income (ITR) | Minimum Rs. 6 Lakhs |
Fees & Charges of Swiggy HDFC Bank Credit Card
Festive Offer: Get the Swiggy HDFC Bank Credit Card for Free – For Life!
This festive season, enjoy the Swiggy HDFC Bank Credit Card with no annual fees! Apply now and keep using the card for all its rewards, perks, and cashback benefits without any yearly fee. But hurry – this lifetime free offer is available for a limited time!
Fees and How to Get the Renewal Fee Waived
- Joining & Annual Fee: ₹500 + taxes
- Annual Fee Waiver: Spend ₹2,00,000 or more in a year to have the annual fee waived for the next year.
Which Purchases Count Toward the ₹2,00,000 Annual Spend?
Only certain types of transactions count toward your annual ₹2,00,000 spending to qualify for the fee waiver. The following don’t count:
- Cash on Call (cash advances)
- Balance Transfers (transferring balances from other cards)
- Cash Withdrawals
If you use the card actively for Swiggy, shopping, and daily expenses, you can unlock all the rewards without worrying about any annual fees!
Apply today to enjoy a no-fee, reward-packed credit card designed for Swiggy fans and online shoppers.
Bottom Line
The Swiggy HDFC Bank Credit Card is designed for those who love Swiggy and online shopping, offering significant cashback on food orders, Instamart, Dineout, and Genie. With benefits like a free 3-month Swiggy One membership, contactless payments, and Mastercard golf privileges, this card combines rewards with premium perks. Plus, the limited-time festive offer means you can enjoy it lifetime free, with no annual fees if you apply now. Just meet the annual spending target of ₹2,00,000 (excluding certain transactions) to keep enjoying a zero-fee card packed with rewards and convenience.
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