Swiggy HDFC Bank Credit Card - Features, Benefits, Fees & Charges

Swiggy HDFC Bank Credit Card (4.5)

Co-Branded Best For: Dining
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Are you a foodie whose go-to app for ordering anything is Swiggy? Well, the Swiggy HDFC Bank Credit Card can be the right choice for you! With this card, you can enjoy 10% cashback on Swiggy spends like food ordering, Instamart, Dineout & Genie, 5% cashback on online spending, and 1% cashback on offline spending and other food, grocery & dining apps. Moreover, you get a free 3-month Swiggy membership as a welcome bonus, 12 free golf accesses, a 12% instant discount on worldwide hotels on Agoda, and much more! Keep reading to know more! 👇

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus

3-month free Swiggy One membership on card activation. 
Swiggy One offers:

  • Unlimited free deliveries.
  • Extra 30% discount on popular restaurants.
  • Free Delivery on Swiggy Instamart.
  • 10% off on Swiggy Genie.
Cashback Benefit
  • 10% Cashback on Swiggy application (Food ordering, Instamart, Dineout & Genie.)
  • 5% Cashback on online spends across top brands.
  • 1% Cashback on other categories.
  • Cashback Rate: 1% to 10%
Zero Lost Card Liability

If you happen to misplace your Swiggy HDFC Bank Credit Card, promptly reporting it to our 24-hour call centre ensures that you won't be held responsible for any unauthorized transactions made on the card. Your liability for any fraudulent activities on the Credit Card is completely waived.

Interest-Free Period

Up to 50 days of interest-free period on your Swiggy HDFC Bank Credit Card from the date of purchase

Other Benefit
  • 12 free golf lessons/year in India.
  • One night & one dines free at select Mastercard partners globally.
  • Up to 12% instant discount on worldwide hotels on Agoda.
Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹500

Annual Fee

₹500

Annual Percentage Rate

43.20%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.5 %

Cash Advance Limit

40%

Card Replacement Fee

₹100

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

₹1
Late Payment Charges

Balance below ₹100

Nil

Balance from ₹100 to ₹500

₹100

Balance from ₹501 to ₹5,000

₹500

Balance from ₹5,001 to ₹10,000

₹600

Balance from ₹10,001 to ₹25,000

₹800

Balance from ₹25,001 to ₹50,000

₹1100

Balance more than ₹50,000

₹1300
Pros

Aspects that make this credit card amazing.

  1. 10% cashback on Swiggy spends.
  2. 5% cashback on other online spends.
  3. Free 3-month Swiggy One membership.
  4. Premium golf club access worldwide with Mastercard network.
  5. Up to 12% instant discount on worldwide hotels on Agoda.
Cons

Aspects this credit card lacks.

  1. No cashback on Fuel, Rent, Jewellery, Govt. spends, EMI & Wallet.
  2. No fuel surcharge waiver.
  3. Swiggy Money earned as cashback will expire in 1 year from date of earning.
  4. Capping on cashbacks limit.
  5. Cashback will be deposited as Swiggy Money and can be used only on Swiggy.
Swiggy HDFC Bank Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(4)

Rewards

(4)

Customer Service

(3.5)

Swiggy HDFC Bank Credit Card Review

The Swiggy HDFC Credit Card is a great option for users who frequently order food or shop online, especially on the Swiggy platform. The card offers several attractive benefits, including a high cashback rate on Swiggy spends, a 5% cashback on other online purchases, and a complimentary Swiggy One membership, which can provide significant savings and added perks for cardholders.

However, it's essential to assess whether the cashback limits on various spending categories align with your spending habits. If you frequently spend a substantial amount on Swiggy or other online platforms, the cashback limits might be a bit limiting.

Moreover, the card may not be the best fit if you have expenses in categories that are excluded from earning cashback, such as rent, utilities, fuel, insurance, EMIs, and more. Before making a decision, it's crucial to evaluate whether your spending aligns with the eligible cashback categories.

Overview

Joining & Annual Fee   ₹500 + taxes
Best For Swiggy Users
Welcome Bonus Free 3 month Swiggy One membership worth ₹1199
Card Network Mastercard
Card Type Co-branded

Cashback on Swiggy HDFC Bank Credit Card

Category Cashback Rate
Swiggy Spends 10%
Other online spends 5%
Other spends 1%

Monthly cashback limits:

  • 10% cashback spends: ₹1500 per month
  • 5% cashback spends: ₹1500 per month
  • 1% cashback spends: ₹500 per month

Who should opt Swiggy HDFC Bank Credit Card?

The Swiggy HDFC credit card is a good option for people who frequently order food or shop online. 

Here are some of the people who should opt for the Swiggy HDFC credit card:

  • People who frequently order food on Swiggy: The card offers a 10% cashback on all food, grocery, and dining out purchases made on Swiggy. This can save you a lot of money if you order food on Swiggy regularly.
  • People who shop online: The card also offers a 5% cashback on purchases made on other online platforms, such as Amazon, Flipkart, Myntra, Ola, Uber, and BookMyShow. This can help you save money on your online shopping.
  • People who want a complimentary Swiggy One membership: The card comes with a complimentary 3-month Swiggy One membership. Swiggy One is a premium membership that offers a number of benefits, such as free deliveries, exclusive discounts, and early access to new features.

How to apply for Swiggy HDFC Bank Credit Card?

You can apply for the Swiggy HDFC Bank credit card online or through the Swiggy app. Here are the steps on how to apply for the card online:

Step 1: Go to the HDFC Bank website and visit 'Credit Card' section.
Step 2: Click on the Swiggy Hdfc Bank Credit card and then click on "Apply Now" button.
Step 3: Enter your personal details, such as your name, email address, and contact number.
Step 4: Enter your employment details, such as your employer's name and your salary.
Step 5: Enter your income and expenditure details.
Step 6: Select the credit limit that you want.
Step 7: Upload your documents, such as your PAN card, Aadhaar card, and latest salary slip.
Step 8: Click on the "Submit" button.
You will receive an email from HDFC Bank confirming your application. If your application is approved, you will receive the card in the mail within a few weeks.

Swiggy HDFC Bank Credit Card Eligibility

  • For Salaried individual
    • Age: Min 21 years & Max 60 Years
    • Net Monthly Income > ₹25,000
  • For Self Employed
    • Age: Min 21 years & Max 65 Years
    • ITR > ₹ 6 Lakhs per annum

Documents Required

  • Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • roof of Income: Latest one or two salary slips (not more than three months old), latest Form 16, and the last 3 months’ bank statement.
HDFC Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

HDFC Bank

HDFC Bank Credit Card Customer Care Number:

1800 202 6161 / 1860 267 6161

HDFC Bank Card Offers:

View Offers

Total Cards:

2,04,04,625
HDFC Bank Credit Card News
08 Feb 2024, Thursday
1. HDFC Bank launched a new range of business credit cards specifically for SMEs

The cards come in four variants - BizFirst, BizGrow, BizPower, and BizBlack - and offer benefits like interest-free credit periods, rewards on business spend, and insurance coverage.

  1. BizFirst: Entry-level card with 55 days interest-free period, 3% cashback on EMI spends, 2% on utilities & electronics, 1% on other spends. 
  2. BizGrow: Offers higher 5% cashback on business spends like GST, income tax, vendor payments, travel, business tools, and 1% on other spends. 
  3. BizPower: Premium card with 5X reward points on fuel spending, accelerated rewards on travel, dining, and utilities, and airport lounge access. 
  4. BizBlack: Flagship card with maximum rewards on all categories, complimentary airport lounge access, travel insurance, and other premium benefits. 
31 Oct 2023, Tuesday
2. Effective 1 December 2023, HDFC Bank will limit lounge access for Regalia Credit Card holders.

Starting from 1 December, the lounge access program will be tied to one's credit card spending. To avail of the lounge benefits, a credit card user must spend Rs. 1 lakh or more in a single calendar quarter, i.e., January-March, April-June, July-September, October-December. Only two complimentary lounge access vouchers will be available per quarter as part of the milestone benefit for users.

19 Oct 2023, Thursday
3. HDFC introduces enhanced Diners Club Metal Edition Credit Card

HDFC Bank has introduced the upgraded HDFC Diners Club Metal Edition Credit Card, setting it apart from the previous HDFC Diners Club Black Credit Card. The key differentiators between the two cards are as follows:

  • Annual Fee Waiver: The metal edition requires cardholders to spend 8 lakhs annually to enjoy an annual fee waiver, whereas the plastic card's threshold is 5 lakhs in annual spends.
  • Welcome Benefit: The new Metal Edition card offers a Swiggy One annual membership as a welcome benefit, replacing the earlier Forbes and MMT Black offerings. In contrast, the plastic card provided a 3-month Swiggy One membership, alongside Forbes and MMT Black.
  • Milestone Benefit: The Metal Edition introduces a new milestone benefit, granting cardholders 10,000 Bonus Reward Points on a quarterly basis. However, it no longer features the old benefits amongst cult.fit Live 1 month membership/ BookMyShow /TataCLiQ /Ola cabs vouchers worth Rs. 500

This revamped credit card caters to the evolving preferences and spending patterns of customers, providing additional perks and benefits.

24 Aug 2023, Thursday
4. HDFC Bank partners with Marriott Bonvoy to launch India's first 'hotel co-branded card'.

HDFC Bank and Marriott International have launched a co-branded credit card in India, called the Marriott Bonvoy HDFC Bank Diners Club International Credit Card. The card is the first hotel co-branded credit card in India. It offers a number of benefits to cardholders, including:

  • Complimentary Marriott Silver Elite Status
  • Up to 4 free night awards
  • Accelerated Marriott Bonvoy points earning on travel, dining, and entertainment
  • Airport lounge access
  • Travel insurance
05 Jul 2023, Wednesday
5. Swiggy to launch co-branded credit card with HDFC Bank.

Swiggy is reportedly teaming up with HDFC Bank to introduce a co-branded credit card. By doing so, Swiggy would join the increasing number of e-commerce platforms like Flipkart, Myntra, and Paytm, which have already launched their own co-branded credit cards.
Swiggy's strategic decision to venture into the co-branded credit card space is aimed at strengthening customer loyalty and involvement by offering supplementary advantages and incentives through the card.

Swiggy HDFC Bank Customer Reviews

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Frequently Asked Questions

Swiggy One membership is free for 3 months with Swiggy HDFC Bank Credit Card. To enroll for the Swiggy One Membership, the customer will need to first link the card with Swiggy if applied from HDFC Bank. If the customer has applied from Swiggy, the option to get the Swiggy One membership will become available when you activate your card.

To link your card, follow these steps:
1. Go to Credit Card page in the Swiggy app by clicking on the Accounts section on the top right side, and then selecting Swiggy HDFC Bank Credit Card.
2. Go to the bottom of the Credit Card page where you will find a section on: Already Got the Card? There you can Click on: Link Your Card to Swiggy.
3. Upon clicking you will be asked to enter the Mobile number that you submitted in the Credit Card application.
4. Enter your number and submit the OTP that you receive to complete the linking of Card.

The existing Swiggy One Membership will be topped up with the 3 months membership for the already existing Swiggy One member.
For Example – A user has already got 6 months of membership with the additional 3 months now the user will have 9 months membership available.

  1. Easy EMI
  2. Up to 3 complimentary Add on Cards
  3. Zero lost card liability and emergency card replacement

Free Swiggy One Membership for 3 Months on card activation as per latest RBI guidelines.
In accordance with RBI guidelines, cardholder can activate the card by following one or more below mentioned ways:

  • making a transaction using the Credit Card,
  • To use the card via OTP or IVR, setting PIN for the card, and enabling card controls such as online transactions, enabling international transactions etc.

Swiggy One Membership is a premium subscription program for Swiggy users. A single membership that offers unlimited benefits across restaurants, Instamart and Genie orders on Swiggy, including free delivery and exclusive discounts from select restaurants.

The Swiggy HDFC Bank Credit card stands out as an excellent offering, providing enhanced advantages for Swiggy App usage and online shopping. Moreover, you can also enjoy cashback rewards for using the card for any other in-person purchases. Upon activating the card, you'll receive a free three-month Swiggy One membership as a welcoming perk. This credit card is specially crafted for Swiggy users and those who prefer shopping online.

Swiggy Money Cashback will expire post 1 year from the date of earning the cashback

You are eligible to earn 10% Cashback on Swiggy App transactions (Food ordering, Instamart, Dineout & Genie) up to Rs.1500 per billing cycle. Please note that transactions done using Swiggy Money Wallet, Swiggy Liquor, Swiggy Minis won’t earn you any cashback. Also, any other exclusion category (if any) may be communicated to you from time to time.

With Swiggy HDFC Bank Credit Card, you can enjoy 5% Cashback on various online categories up to Rs. 1500 per billing cycle. This benefit is applicable on Apparels, Electronics, Dept. Stores, Personal Care, Local Cabs, Home Décor, Pet Stores and Supplies, Pharmacies, Discount Stores and Entertainment. 

Swiggy Money is delivered to the customers Swiggy account for the statement month within 8-10 days of statement generation. It can only be redeemed on Swiggy app. On the Swiggy app while placing an order, the customer can directly choose an option of paying via Swiggy Money to pay the bill by the corresponding Swiggy money value. Swiggy Money keeps on accumulating for all the months till it is not utilized.