Swiggy HDFC Bank Credit Card

Welcome Benefit

As a welcome benefit on card activation, you can receive a complimentary 3-month Swiggy One membership. If you already have the membership, you can extend it for 3 months. You must activate your card as per the latest RBI regulation in one of the following ways –

• Make a successful transaction with the credit card
• Use the card via OTP or IVR, set up the card PIN, and enable controls like online transactions, international transactions, etc.

10% Cashback on Swiggy

Get 10% cashback across the Swiggy application, including food orders, Instamart, Dineout, and Genie. You can earn a maximum of ₹1500 per billing cycle, and the cashback is not applicable to spends made on Swiggy Money Wallet, Swiggy Minis, and Swiggy Liquor. Also, you do not earn cashback on transactions of less than ₹100.

5% Cashback on Online Spends

Get 5% cashback on online spends made with the card across top brands like Nykaa, BookMyShow, Ola, Myntra, Amazon, Uber, Adidas, H&M, and more. The cashback is applicable on Apparel, Electronics, Entertainment, Home Décor, Department Store, Personal Care, Medical Store, Local Cabs, Pet Stores, and Discount Stores. The maximum cashback you earn per billing cycle is ₹1500

Please remember that 5% cashback does not apply to gift cards and grocery purchases.

1% Cashback on Other Spends

With the credit card, you can get 1% cashback on your spending in other categories, with the maximum benefit capped at ₹500 per billing cycle. The following categories are excluded from the 1% cashback category: Fuel, Rent, Wallet, EMI, Jewellery, and Government transactions.

Earn Direct Cashback

The cashback earned with this card used to be credited as Swiggy Money and could only be used on the Swiggy platform. However, from 21st June onwards, all cashback earned with the Swiggy HDFC Credit Card will be credited directly against the credit card statement in the subsequent month. This single change to the feature of the Swiggy HDFC Card has significantly improved its popularity.

Mastercard World Tier Benefits

As the Swiggy HDFC Bank Card is a MasterCard Word Tier card, you get access to many benefits, including complimentary loyalty memberships, dine-and-stay, and more from top brands. You also get various privileges in sports, shopping, travel, arts and culture, and more in many countries worldwide.

• 12 golf lessons across India.
• Up to 12% off on Agoda.
• Enjoy a complimentary stay and dinner for one person at designated Mastercard partner locations worldwide.

Additional Features

• Interest-free Credit Period – You can get an interest-free period of up to 50 days from the date of purchase on spends made with the Swiggy HDFC Bank credit card.
• Zero lost card liability – The cardholder is not liable for any fraudulent transactions on reporting immediately about card loss or theft to the bank’s 24-hour call center.
• Revolving Credit – The credit card has a nominal interest rate.
• Add-on Cards – Get up to 3 complimentary add-on credit cards for your family members

How to Link the Credit Card to the Swiggy App?

Follow these steps to link your credit card to the Swiggy app –

• Open the Swiggy application and click the “Accounts” section at the top right. Then, apply for a lifetime free credit card. Afterwards, open the Credit Card page.
• Select the Swiggy HDFC Bank Credit Card.
• Scroll down to the bottom of the page. You will see ‘Already Got the Card?’ Next, click on “Link your Card to Swiggy.”
• Enter the mobile number registered with your credit card.
• Enter the OTP sent to you for authentication, and the credit card will be successfully linked.

Eligibility Criteria

You must meet certain eligibility requirements to apply for the Swiggy HDFC Bank credit card.

• The applicant must be 21 to 60 years of age in the case of salaried and 21 to 65 years of age in the case of self-employed people.
• The applicant must be an Indian citizen.
• The applicant must have a minimum monthly salary of ₹25,000, or in the case of self-employed people, an ITR return of ₹6 Lakhs or more per annum.
• Existing HDFC Credit Card holders can also apply for this card.

Swiggy HDFC Bank Credit Card Review

For the first time, Swiggy has launched a co-branded card, and you can get the Swiggy HDFC Bank credit card for a joining fee of ₹500. It is perfect for loyal Swiggy users as you can get 10% cashback on spends across the Swiggy platform, along with 5% cashback on other popular brands. Also, you get a complimentary 3-month Swiggy One membership worth ₹1199 as a welcome benefit.

You can apply for the card either through the Swiggy app or via HDFC Bank. Moreover, the card is on the Mastercard network, and you even get World Tier Mastercard benefits with the card on top brands and multiple locations. If you frequently order food from Swiggy and want to enjoy some additional savings on your dining expenses, consider getting the Swiggy HDFC Bank credit card. This card also offers savings on other well-known brands. Feel free to share your thoughts on this newly released credit card in the comments section.