Save up to Rs. 42,000 anually with HDFC Swiggy Credit Card.
Note – Cashback redemption will move to Statement credit w.e.f 21st June’24, while the existing Swiggy money will continue to be in the Swiggy App. Please refer to T&Cs for more details.
🔥HDFC Swiggy Credit Card Key Features
✔ 10% Cashback on Swiggy (Food, Instamart, Dineout, Genie)
✔ 5% Cashback on Online Shopping (Amazon, Flipkart, etc.)
✔ 1% Cashback on All Other Spends
✔ 3-Month FREE Swiggy One Membership (Worth ₹900)
✔ Up to ₹1,500 Cashback Per Month
✔ Lifetime Free (Limited Time Offer)
🎁 Welcome Benefit
- Free 3-Month Swiggy One Membership (New users)
- 3-Month Extension (Existing members)
💰 Rewards & Cashback Breakdown
| Spend Category | Cashback | Monthly Cap |
|---|---|---|
| Swiggy (Food, Instamart, Dineout) | 10% | ₹1,500 |
| Online Shopping (Amazon, Flipkart, etc.) | 5% | ₹1,500 |
| All Other Purchases | 1% | No Limit |
| Uber & Ola Rides | Up to 5% | As per terms |
💡 Cashback is auto-credited to your statement. No redemption fees!
💳 Fees & Charges Of HDFC Swiggy Credit Card
| Fee Type | Details |
|---|---|
| Joining Fee | FREE (Limited-time offer) |
| Renewal Fee | FREE if you spend ₹2L/year |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 43.2% p.a. |
| Cash Advance Fee | 2.5% (Min. ₹500) |
✅ Pros
✔ Best for Swiggy Lovers – Highest cashback (10%) on food & grocery
✔ Great Online Shopping Perks – 5% back on Amazon, Flipkart, etc.
✔ No Redemption Hassle – Cashback directly credited to statement
✔ Zero Annual Fee (If you spend ₹2L/year)
❌ Cons
✖ No Lounge Access (Missed travel benefit)
✖ Limited Offline Rewards (Best for online spends)
👀 Who Should Get This Card?
- Frequent Swiggy Users (Save on food & Instamart)
- Online Shoppers (5% cashback on top brands)
- Cashback Lovers (Simple, no-nonsense rewards)
⏳ Limited Period Offer!
Lifetime Free Card (Till 31st Dec 2024)
📌 Terms & Conditions Apply
- Cashback capped at ₹1,500/month per category.
- Swiggy One membership auto-activated upon card usage.
HDFC Swiggy Credit Card – Frequently Asked Questions (FAQ)
1. What is the welcome benefit of the HDFC Swiggy Credit Card?
✅ You get a complimentary 3-month Swiggy One membership upon card activation. If you already have a membership, it gets extended by 3 months.
2. How much cashback can I earn with this card?
- 10% cashback on Swiggy (food, Instamart, Dineout, Genie)
- 5% cashback on online spends (Amazon, Flipkart, etc.)
- 1% cashback on all other purchases
(Monthly cap: ₹1,500 per category)
3. Is there an annual fee for this card?
📌 Currently FREE for life (Limited-time festive offer till Dec 31, 2024).
Post-offer: Annual fee waived if you spend ₹2 lakhs/year.
4. How do I redeem my cashback rewards?
💳 Automatically credited to your credit card statement—no manual redemption needed!
5. Does this card offer airport lounge access?
❌ No, this card does not include lounge access. (Consider HDFC Regalia/Millennia if you need travel benefits.)
6. What is the foreign currency markup fee?
🌍 3.5% + GST on international transactions.
7. Can I use this card for fuel purchases?
⛽ No fuel surcharge waiver—this card is not ideal for fuel spends.
8. How do I check my cashback balance?
📱 Log in to HDFC NetBanking or the MyCards app to track rewards.
9. Is there a minimum spending requirement for cashback?
💰 No minimum spend, but cashback is capped at ₹1,500/month per category.
10. How do I apply for the HDFC Swiggy Credit Card?
🔗 Click here to apply online (limited-time Lifetime Free offer).
Got more questions? Drop them in the comments! 😊
