Swiggy HDFC Bank Credit Card

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Swiggy
HDFC Bank Credit Card

Swiggy HDFC credit card is best suited for foodaholics who love ordering in or dining out frequently. The card offers 10% on cashback Swiggy app, 5% on online spending across online MCCs, and 1% on all other categories. You also get the complimentary Swiggy One membership for 3 months on card activation. The Swiggy HDFC Bank credit card comes at a joining and renewal membership fee of just Rs. 500 plus applicable charges, which can be waived on spending Rs. 2,00,000 or more in a year before the card renewal date.

On Hdfc Bank Website

HDFC Swiggy Credit Card 8f9edb7114

Updated: 29-05-2024 09:57:21 AM

Key Highlights of Swiggy HDFC Bank Credit Card

Joining fee Rs. 500 + applicable charges
Annual fee Rs. 500 + applicable charges
Benefits Cashback on all spends, complimentary Swiggy one membership, spend-based renewal fee waiver, etc.
Cashback 10% on the Swiggy app, 5% on online spending across online MCCs & 1% on other categories
Welcome benefits Complimentary Swiggy one membership for 3 months on card activation
Foreign currency transaction fee 3.5% of the transaction value
Age 21 - 60 years for salaried & 21- 65 years for self-employed
Net Monthly Income Net Monthly Income

Features & Benefits of HDFC Swiggy Credit Card

HDFC Swiggy Credit Card offers the following features and benefits:

Welcome Benefits

  • Complimentary Swiggy One Membership for 3 months.
  • This benefit can be availed of only on credit card activation as per the latest RBI guidelines.
  • You can activate the card by making a transaction using the card.

Cashback 

  • 10% cashback on Swiggy application food ordering, Instamart, Dineout & Genie.
  • Exclusions for 10% cashback include Swiggy Money Wallet, Swiggy Liquor, Swiggy Minis & any other category decided later (if any).
  • 5% cashback on online spending across online MCCs.
  • Inclusions for 5% cashback include apparel, department stores, electronics, entertainment, home decor, pharmacies, personal care, local cabs, online pet stores & discount stores.
  • Gift cards and groceries purchased on the 5% eligible merchants & MCCs won’t earn any cashback.
  • 10% and 5% cashback have a capping of Rs. 1,500 per billing cycle.
  • 1% cashback on other categories.
  • Exclusions for the 1% cashback category include fuel, rent, EMI, wallet, jewellery, and government-related transactions.
  • 1% cashback has a capping of Rs. 500 per billing per cycle.
  • Swiggy Money expires after 1 year of earning the cashback.

Smart EMI Facility

  • Convert large purchases on your HDFC Bank Swiggy credit card into Smart EMI for stress-free repayments.
  • Eligible purchases for SmartEMI include insurance, groceries, medical, petrol, utility, apparel, education, electronics and travel.
  • Any gold and jewellery-related transaction is not eligible for conversion into SmartEMI.
  • You can choose from a flexible tenure of 6 to 24 months.
  • A processing fee of Rs. 499 + GST is applied.

Other Benefits

  • Zero lost card liability in the unfortunate event of losing your Swiggy HDFC Bank Credit Card. Report the loss immediately to HDFC Bank’s 24-hour call centre to avail of the benefit.
  • Up to 50 days of interest-free credit period  from the date of purchase.
  • Revolving credit is available at a nominal interest rate.
  • This card is enabled for contactless payments (allowed for a maximum of Rs. 5,000 for a single transaction), facilitating fast, secure and convenient payments at retail outlets.
  • Balance Transfer on EMI is available at a processing fee of 1% of the loan amount (minimum Rs. 250) + GST.

Joining & Annual Fees

  • Joining fee: Rs. 500 + applicable charges.
  • Renewal membership fee: Rs. 500 + applicable charges. The renewal fee is waived on spending Rs. 2 Lakhs or more in a year.
  • Exclusions for spends of Rs. 2 Lakhs and above for renewal year fee waiver are Cash on Call, Balance Transfer and Cash Withdrawal.

How to Link Swiggy HDFC Bank Credit Card on the Swiggy App?

If you have applied for the HDFC Bank Swiggy credit card through HDFC Bank’s porta, you need to link your card on the Swiggy app to earn cashback on eligible transactions and for Swiggy One membership.

In order to link the Swiggy HDFC Bank Credit with Swiggy app, you have to install the Swiggy app first and then follow the below-mentioned steps:

  • Go to the Swiggy app and the go to ‘Credit Card’ page under the Accounts section.
  • Select ‘Swiggy HDFC Bank Credit Card’.
  • You will find a section on ‘Already Got the Card?’ at the bottom of the ‘Credit Card’ page. Click on ‘Link Your Card to Swiggy’ there.
  • On clicking, you will be asked to enter the mobile number submitted during the credit card application.
  • Enter the number and then submit the received OTP to complete the linking of the card.

Swiggy HDFC Bank Credit Card Fee & Charges

The Swiggy HDFC credit card fees and charges are mentioned below in detail:

  • Joining fee: Rs. 500 + applicable charges.
  • Annual fee: Rs. 500 + applicable charges.
  • Foreign currency markup: 3.5% of the transaction value.
  • Overlimit penalty: 2.5% of the over-limit amount (minimum Rs. 550).
  • Charges in case of default: Nil to Rs. 1,300 (depending on the outstanding balance).
  • Payment return charges: 2% of the payment amount (minimum Rs. 450).
  • Cash advance fee: 2.5% or Rs. 500, whichever is higher.
  • Cash processing fee: Rs. 100 for card payments in HDFC Bank branches or ATMs.
  • Railway ticket purchase fee: 1% of the transaction amount + GST. Charges are reversed after the transaction.
  • Rewards redemption fee: Rs. 99 per redemption request.
  • Balance transfer processing fee: 1% of the transfer amount or Rs. 250, whichever is higher.
  • Smart EMI processing fee: Rs. 499 + GST
  • Insta Loan & Jumbo Loan processing fee: Rs. 999 + GST.
  • Duplicate physical statement: Rs. 10 per duplicate physical statement.
  • Rent pay transaction fee: 1% fee of transaction amount.
  • Finance charges for revolving credit & cash advances: 3.60% p.m. (43.20% p.a.).
  • Pre-closure charges for Smart EMI, Insta Loan & Jumbo Loan: 3% of the principal outstanding.
  • Card validation charges: Rs. 2.
  • Reissuance of lost, stolen or damaged card: Rs. 100
  • Outstation cheque processing charge: Rs. 25 for cheque value up to Rs. 5,000 & Rs. 50 for above Rs. 5,000.
  • Dynamic currency conversion markup fee: 1%.

Swiggy HDFC Bank Credit Card Eligibility

Below are the Swiggy HDFC Bank Credit Card eligibility criteria:

For Salaried Indian National

  • Age: Minimum 21 years and maximum 60 years.
  • Net Monthly Income: More than Rs. 25,000.

For Self-employed Indian National

  • Age: Minimum 21 years and maximum 65 years.
  • Income: Income Tax Returns (ITR) of more than Rs. 6 Lakhs per annum.

How to Apply for a Swiggy HDFC Bank Credit Card?

You can apply for an HDFC Bank Swiggy Credit Card online or offline. Applying online is easy through the official website of the bank or from our portal. All you need to do is follow the steps mentioned below:

  • Check your eligibility for the HDFC Bank Swiggy Credit Card.
  • Go to the credit cards section and choose your preferred card.
  • Enter the required details.
  • Upload the required documents for completing the application

Some Other HDFC Bank Credit Card

Apart from Swiggy HDFC Credit Card, HDFC Bank offers the following credit cards:

  • HDFC IndianOil Credit Card
  • Freedom Credit Card
  • HDFC Millennia Credit Card
  • HDFC INFINIA Credit Card
  • HDFC Diners Club Credit Card
  • Paytm HDFC Bank Credit Card
  • Paytm HDFC Bank Select Credit Card
  • Paytm HDFC Bank Mobile Credit Card
  • HDFC Regalia Credit Card
  • Diners Club Privilege Credit Card
  • MoneyBack+ Credit Card
  • HDFC MoneyBack Credit Card
  • HDFC Business MoneyBack Credit Card
  • Regalia First Credit Card
  • Shoppers Stop HDFC Credit Card
  • Flipkart Wholesale HDFC Credit Card
  • Corporate Platinum Credit Card
  • Tata Neu Plus HDFC Bank Credit Card
  • Diners ClubMiles Credit Card
  • Platinum Times Card
  • Titanium Times Card6E Rewards – IndiGo HDFC Bank Credit Card
  • 6E Rewards XL- India
  • Go HDFC Bank Credit Card
  • InterMiles HDFC Bank Diners Club Credit card
  • InterMiles HDFC Bank Signature Credit card
  • InterMiles HDFC Bank Platinum Credit card
  • Paytm HDFC Bank Business Credit Card
  • Paytm HDFC Bank SELECT Business Credit Card
  • Business Regalia
  • Best Price Save Max HDFC Bank Credit Card
  • Best Price Save Smart HDFC Bank Credit Card
  • CSC Small Business MoneyBack
  • All Miles Credit Card
  • Bharat Credit Card
  • Business Bharat Credit Card
  • Business Freedom Credit Card
  • Business Gold Credit Card
  • Business Platinum Credit Card
  • Business Regalia First Credit Card
  • Diners Club Premium Credit Card
  • Diners Club Rewardz Credit Card
  • Doctor’s Regalia Credit Card
  • Doctors Superia Credit Card
  • JetPrivilege HDFC Bank Select / Titanium
  • Platinum Edge Credit Card
  • Platinum Plus Credit Card
  • Solitaire Credit Card
  • Superia Credit Card
  • Teachers Platinum Credit Card
  • Titanium Edge Credit Card
  • Visa Signature Credit Card
  • World MasterCard Credit Card
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HDFC Swiggy Credit Card FAQs

Customers can save up to Rs. 14,000 and even more annually with Swiggy HDFC Bank Credit Card. Refer to the customer value chart below to know how:

Benefits Offers Spends % Annual Spends Annual Savings
Cashback & Milestones 10% cashback on Swiggy food ordering 30% Rs. 63,000 Rs. 6,300
10% cashback on Swiggy Instamart
10% cashback on Swiggy Dineout & Genie
5% cashback on e-shopping spends 40% Rs. 84,000 Rs. 4,200
1% cashback on all other categories 20% Rs. 42,000 Rs. 420
Miscellaneous spends (fuel, rent, EMI, wallet, jewellery & govt. related spends) 10% Rs. 21,000
Additional Benefits 3 months Swiggy One membership Rs. 1,199
Average savings for 3 months on usage of Swiggy One membership Rs. 2,100
100% Rs. 2,10,000 Rs. 14,219

*6.8% of annual savings is an estimate based on spending. Actual savings with the card may vary for each customer.

You get a complimentary Swiggy One Membership of 3 months as a welcome benefit on the Swiggy HDFC Bank Credit Card. This benefit can be availed of only on credit card activation as per the latest RBI guidelines. You can activate the card by making a transaction using the card.

Swiggy One Membership is a premium subscription program for Swiggy users. It is a single membership that provides unlimited benefits across restaurants, Instamart & Genie orders on Swiggy including free delivery as well as exclusive discounts from select restaurants

To enroll for the 3-month Swiggy One membership, you have to link the card with Swiggy (if applied from HDFC Bank). If you have applied from Swiggy, the Swiggy One membership option will become available when you activate your card.

Follow these steps to link your card:

  • Click on the Accounts section on the top right side to go to the Credit Card page in the Swiggy app.
  • Then select Swiggy HDFC Bank Credit Card
  • Go to the bottom of the Credit Card page, you will find a section on ‘Already Got the Card?’. Click on ‘Link Your Card to Swiggy’ there.
  • On clicking you will be asked to enter the registered mobile number.
  • Enter the number and submit the OTP received to complete the linking of the card.

  • Up to 3 complimentary Add on Cards
  • Zero lost card liability and emergency card replacement
  • Up to 50 days of interest-free credit period  from the date of purchase.
  • Revolving credit is available at a nominal interest rate.
  • This card is enabled for contactless payments (allowed for a maximum of Rs. 5,000 for a single transaction).
  • Balance Transfer on EMI at a processing fee of 1% of the loan amount (minimum Rs. 250) + GST.

Currently, the offer for card application is on an invite-only basis. Customers can also apply for the card from the Swiggy app by going to the Account Section of the Swiggy app, and then clicking on Swiggy HDFC Bank Credit Card.

Refer to the ‘Swiggy HDFC Bank Credit Card Fee & Charges’ above to know about all the fees and charges associated with Swiggy HDFC Bank Credit Card.

Swiggy Money is delivered to the customer’s Swiggy account for the statement month within 8 to 10 days of statement generation. Swiggy Money can only be redeemed on the Swiggy app. While placing an order on the Swiggy app, the customer can directly choose the ‘paying via Swiggy Money’ option to pay their bill with the corresponding Swiggy money value. Swiggy Money keeps on accumulating for all the months till not utilized.