Swiggy HDFC Bank Credit Card

The Swiggy HDFC Credit Card has become one of the most popular cashback credit cards in India, even surpassing the success of the veteran HDFC Millennia card.

Swiggy, a leading online food ordering platform in India, has launched this co-branded credit card in collaboration with HDFC. It is a cashback card that comes with a very low annual fee of ₹500 + GST (~₹590), considering the numerous benefits it offers. Even this fee is not wasted as cardholders would get a free Swiggy One membership for three months.

With the Swiggy HDFC Credit Card, users can earn 10% cashback on purchases made through Swiggy, including Dineout, Genie, and Instamart. This means that you can not only order food but also buy groceries and enjoy significant discounts on dining out. If you are a frequent Swiggy customer who regularly orders food online, this card could be an excellent option for you, potentially saving you up to ₹42,000 annually.

Swiggy is the only online food ordering service currently offering a co-branded credit card. Continue reading to learn more about the Swiggy HDFC co-branded credit card, including its features, fees, and other important details.

Product Details

• Complimentary 3-Month Swiggy One Membership as a welcome benefit.
• 10% Cashback across the Swiggy app.
• 5% Cashback on online spends across top brands.
• 1% Cashback on other spends.

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.

Up to 10% Cashback With Swiggy HDFC

All cashback earned with the Swiggy HDFC Credit Card will be applied directly to the credit card statement in the following month.

• Get 10% cashback across the Swiggy application, including food orders, Instamart, Dineout, and Genie. You can earn a maximum of ₹1,500 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.
• 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 ₹1,500. Please remember that 5% cashback does not apply to gift cards and grocery purchases.
• 1% cashback on all other eligible categories, with the maximum benefit capped at ₹500 per billing cycle.

The following categories are excluded for cashback – fuel, rent, wallet, EMI, jewellery, and government transactions.

Mastercard World Tier Benefits

As the Swiggy HDFC Bank Card is a MasterCard World 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.

• Swiggy HDFC offers four complimentary rounds of green fees each calendar year, with a limit of one round per month. Additionally, members receive twelve complimentary golf lessons annually, one lesson per month. In addition to utilizing the complimentary sessions, golfers can avail of discounted golf services at 50% off the regular green fee. To book these services, please contact 1800-102-6263.
• Up to 12% off on Agoda.
• Enjoy a complimentary stay and dinner for one person at designated Mastercard partner locations worldwide.

Earn IndiGo BluChips With Swiggy Spends

Discount coupons and cashback with Swiggy HDFC are just the beginning of the benefits. Customers will also earn IndiGo BluChips when they make purchases through the Swiggy app. This offer is in addition to the advantages of using the Swiggy HDFC Credit Card. Cardholders will not only receive cashback on their spending but will also be eligible to earn 1 IndiGo BluChip for every ₹250 spent on Swiggy’s platforms, including Swiggy Food Delivery, Dineout, and Instamart.

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 ₹15,000, 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 at 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 top food/dining credit card in the comments section.