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! 👇
Aspects that make spending using this card lit as the sun!
Think of these as small investments to keep your credit card running smoothly.
Joining Fee
₹500Annual Fee
₹500Annual Percentage Rate
43.20%Add-on Card Fee
FreeMinimum Repayment Amount
5%Cash Withdrawal Fee
2.5 %Cash Advance Limit
40%Card Replacement Fee
₹100Foreign Transaction Fee
3.50%Over Limit Penalty
2.50%Fuel Transaction Surcharge
1%Reward Point Value
₹1Balance below ₹100
NilBalance from ₹100 to ₹500
₹100Balance from ₹501 to ₹5,000
₹500Balance from ₹5,001 to ₹10,000
₹600Balance from ₹10,001 to ₹25,000
₹800Balance from ₹25,001 to ₹50,000
₹1100Balance more than ₹50,000
₹1300Aspects that make this credit card amazing.
Aspects this credit card lacks.
Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!
Bank name:
HDFC BankHDFC Bank Credit Card Customer Care Number:
1800 202 6161 / 1860 267 6161HDFC Bank Card Offers:
View OffersTotal Cards:
10,17,450Summary of HDFC Bank's New Credit Card Rules Effective from August 1, 2024
HDFC Bank is introducing new rules and charges for its credit card customers starting August 1, 2024:
Rental Transactions: A 1% fee, capped at Rs 3,000 per transaction, will be applied when paying rent through platforms such as CRED, PayTM, Cheq, MobiKwik, Freecharge, etc.
Fuel Transactions:
International/Cross Currency Transactions: A 3.5% markup fee will be levied. The markup fee remains at 2% for premium cards such as Infinia, Diners Black, etc., and 2.5% for 6E Rewards Indigo XL.
Late Payment Fees have been revised as follows:
Rewards Redemption towards Statement Credit: A Rs 50 redemption fee applies, not applicable to premium cards like Infinia, Diners Black, etc.
Finance Charges: A finance charge of 3.75% per month is applicable if the full amount isn't paid, relevant to all transactions. For premium cards, the finance charge is 1.99% per month.
Easy-EMI Processing Fee: A charge of up to Rs 299 for availing the Easy-EMI option at any store.
All fees are subject to GST, and the merchant category codes are defined by the network (Visa, Mastercard, etc.), not HDFC Bank. Charges described do not apply to Pixel Credit cards, with only the Rental Transaction Charge applicable to Commercial Credit Cards.
HDFC Bank has announced some changes to their credit card fees and rewards structure, effective from August 1, 2024. Here's a summary of the key changes:
There's good news for Swiggy HDFC Bank credit cardholders! In May 2024, HDFC Bank announced a major change to the cashback program. Previously, the cashback earned was credited as Swiggy Money, restricting users from spending it on the Swiggy app. Now, the cashback is directly applied to your credit card statement, offering more flexibility. This update makes the Swiggy HDFC Bank credit card a more attractive option for those who frequently order food and groceries on Swiggy.
Here are some additional details to consider:
HDFC Bank has introduced the Pixel Play Credit Card, India's first virtual credit card, with unique features like:
Who can apply?
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.
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.
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:
This revamped credit card caters to the evolving preferences and spending patterns of customers, providing additional perks and benefits.
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:
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 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.
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:
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.