Best Offer: Apply For Swiggy HDFC Bank Credit Card & Earn ₹1,800 Cashback

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Stay tuned to know about all about Swiggy HDFC Bank Credit Card, its review, charges, features, benefits, how to apply, cashback, lounge access & many more.

Swiggy HDFC Bank Credit Card Apply Online

Step 1: Discover Cashkaro.com, A Well-Regarded Website Supported By Funding From Mr. Ratan Tata.

Sign up using necessary details.

Step 2: Scroll Down and Click On “View All” to Access The “Best In Finance” Category.

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Step 3: Choose the Swiggy HDFC Bank Credit Card.

Swiggy HDFC Bank Credit Card

Step 4: Click on “Apply Now Or Grab Deal” to Proceed.

Read all the necessary information on this page. Then click on apply now or grab deal in order to apply for Swiggy HDFC Bank Credit Card.

Swiggy HDFC Bank Credit Card

Step 5: Click on “Visit HDFC Swiggy Credit Card”

Swiggy HDFC Bank Credit Card

Step 6: Furnish Necessary Information And Complete The Application Process.

Swiggy HDFC Bank Credit Card

Also read: Axis Neo Credit Card Benefits PDF | Apply Now & Get ₹1,500 Flat Cashback

Swiggy HDFC Bank Credit Card Features & Benefits

Swiggy Cashback Offer

Get a 10% cashback on the Swiggy application for various services such as food ordering, Instamart, Dineout, and Genie. However, certain exclusions apply to the 10% cashback category when using the Swiggy HDFC Bank Credit Card on the Swiggy App. These exclusions are as follows:

  1. Swiggy Money Wallet
  2. Swiggy Liquor
  3. Swiggy Minis
  4. Any other category decided later (if any)

Additionally, there is a capping of Rs. 1500 per billing cycle for the 10% cashback categories with the Swiggy HDFC Bank Credit Card.

Online Merchant Cashback Offer

Enjoy a 5% cashback on online expenditures across various online Merchant Category Codes (MCCs). The eligible MCCs for the 5% cashback category with the Swiggy HDFC Bank Credit Card include:

CATEGORY MCC: Click here

Please note that only selected merchants mapped under the specified MCCs are eligible for the 5% cashback category. Additionally, it’s important to be aware that gift card and grocery purchases on the eligible merchants and MCCs will not earn any cashback. There is a cap of Rs. 1500 per billing cycle applicable to eligible 5% cashback categories with the Swiggy HDFC Bank Credit Card.

Other Category Cashback Offer

Enjoy a 1% cashback on various categories with the Swiggy HDFC Bank Credit Card. For details regarding exclusions and capping, please refer to the information below.

List of exclusions for the 1% cashback category with the Swiggy HDFC Bank Credit Card:

  1. Fuel
  2. Rent
  3. EMI
  4. Wallet
  5. Jewellery
  6. Government-related transactions

Keep in mind that there is a cap of Rs. 500 per billing cycle applicable to the 1% cashback categories with the Swiggy HDFC Bank Credit Card.

Smart EMI

Transform substantial expenses made on your Swiggy HDFC Bank Credit Card into Smart EMI for convenient and hassle-free repayments.

Balance Transfer on EMI – *1% of the loan amount, with a minimum of Rs 250 (exclusive of GST).

Swiggy HDFC Bank Credit Card Welcome Benefits

Receive a complimentary Swiggy One Membership for a duration of three months upon activating your card.

Swiggy Money Redemption & Validity

Swiggy Money Redemption:

Cashback earned through the Swiggy HDFC Bank Credit Card can be redeemed exclusively as Swiggy Money on the Swiggy application across the following Swiggy platforms:

  • Food ordering
  • Instamart
  • Dineout
  • Genie

To utilize Swiggy Money, select Swiggy Money as the payment method under the profile section within the Swiggy application.

Swiggy Money Cashback with the nearest expiry date will be utilized first to ensure you receive the maximum benefit.

Please note that cashback is not applicable on transactions less than Rs. 100.

Swiggy Money Validity:

Swiggy Money will expire after one year from the date of earning the cashback.

For more details on Redemption and Validity of Swiggy Money, please refer to the Terms and Conditions [Click here].

Contactless Payment

Your Swiggy HDFC Bank Credit Card comes equipped with contactless payment capabilities, enabling swift, convenient, and secure transactions at various retail outlets.

It’s important to be aware that in India, contactless payments are permitted for a maximum of ₹5000 in a single transaction without the requirement to input your Credit Card PIN. However, for amounts equal to or exceeding ₹5000, the cardholder must enter the Credit Card PIN for enhanced security.

Renewal Offer Exclusions

For eligibility for the renewal year fee waiver on spends of Rs. 2,00,000 and above, the following transactions are excluded:

  • Cash on Call
  • Balance Transfer
  • Cash Withdrawal

Additional Benefits

Zero Lost Card Liability:

In the unfortunate event of losing your Swiggy HDFC Bank Credit Card, promptly reporting it to our 24-hour call center absolves you of any liability for fraudulent transactions on your Credit Card.

Interest-Free Credit Period:

Enjoy an interest-free period of up to 50 days on your Swiggy HDFC Bank Credit Card from the date of purchase (subject to the submission of the charge by the Merchant).

Revolving Credit:

Take advantage of revolving credit at a nominal interest rate on your Swiggy HDFC Bank Credit Card. For further details, please refer to the Fees and Charges section.

Also read: Best Credit Card Offers On Flipkart Today In 2024

Swiggy HDFC Bank Credit Card Lounge Access

This card doesn’t offer complimentary lounge access. You will be charges with $27 + taxes if you visit any lounge with this card.

Also read: IDFC LIC Co Branded Credit Cards | IDFC LIC Classic Credit Card Vs LIC Select Credit Card Comparison 2024

Swiggy HDFC Bank Credit Card Eligibility

For Salaried Indian Nationals:

  • Age: Minimum 21 years and Maximum 60 years
  • Net Monthly Income: Minimum ₹ 25,000

For Self-Employed Indian Nationals:

  • Age: Minimum 21 years and Maximum 65 years
  • Annual Income (ITR): Minimum ₹ 6 Lakhs

Also read: Best Credit Card Offers On Amazon 2024- Bank Of Baroda, HDFC Credit Card

Swiggy HDFC Bank Credit Card Charges & Fees

This card has annual fee & joining fee of ₹ 500 + Gst. But you get ₹ 1,800 cashkaro cashback if you apply from cashkaro written here. Hence, it makes it effectively free for 3 years.

Type Of FeeAmount
Joining Fee₹ 500
Annual Fee₹ 500
Annual Spends For Annual Fee Waiver₹ 2,00,000
Fuel Surcharge WaiverNA
Foreign Currency Transaction3.50%
Railway Ticket Fee1% Of Transaction ( & GST)
Cash AdvanceHigher Of 2.5% Of Transation Fee Or ₹500
EMI ConversionInterest rate of 20% + ₹99 (& GST) – May vary on case-to-case basis
Overlimit Charges2.5%, Minimum ₹550
Payment Return Charges2%, Minimum ₹450
Late Fees₹500 + GST
Cash Processing Fee₹100 + GST
Reward Redemption Fee₹99 + GST
Balance Transfer FeesHigher Of 1% Of Transation Fee Or ₹250
Duplicate Statement in Hard Copy₹10 per statement
Insta Loan Processing FeeDepending On Customer’s Offer
Jumbo Loan Processing FeeDepending On Customer’s Offer
Smart EMI Processing FeeDepending On Customer’s Offer
Pre-closure Charges3% Of Principal Outstanding
Rent Payment Charges1% From 2nd Transaction Onwards Each Month
Insta Card Charges2.5% Of Wallet Load Value
Card Validation Charges₹2 (except Master Card)
Master Card Validation ChargesNIL
Reissue Of Card₹ 100
Outstanding Cheque Processing Fee 
Upto ₹5000₹ 25
Above ₹5000₹ 50

Swiggy HDFC Bank Credit Card Review

I was taken aback to discover a card lacking milestone benefits, lounge access, and even a fuel surcharge waiver. Additionally, the joining fee doesn’t seem adequately compensated. I’d venture to say that the Swiggy HDFC card caters specifically to Swiggy enthusiasts; therefore, it’s only worthwhile if you happen to spend a significant amount on Swiggy.

One positive aspect of this card is its association with the MasterCard World platform, providing associated perks. Current HDFC cardholders can also apply for this card.

FAQs on Swiggy HDFC Bank Credit Card

Is Swiggy HDFC card worth it?

I was surprised to find a card that lacks milestone benefits, lounge access, and even a fuel surcharge waiver. Moreover, the joining fee doesn’t appear to be adequately justified. I would suggest that the Swiggy HDFC card is designed specifically for Swiggy enthusiasts; hence, it is only worthwhile if you happen to spend a considerable amount on Swiggy.

What is the limit of Swiggy HDFC Credit Card?

The limit of Swiggy HDFC Credit Card varies from case-to-case basis. It depends on the customer’s credit profile and few other factors.

Does Swiggy HDFC Credit Card have lounge access?

This card does not provide complimentary lounge access. If you choose to visit any lounge with this card, you will incur charges of $27 plus taxes.

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