Unlock exclusive rewards with the HDFC Swiggy Credit Card! Earn up to ₹42,000 annually through 10% cashback on Swiggy spends, 5% on online shopping, and 1% on other purchases. Enjoy a complimentary 3-month Swiggy One membership, offering free deliveries and extra discounts. With a minimum monthly income requirement of ₹15,000 for salaried individuals and ₹6 lakhs annual ITR for self-employed, this card is tailored for foodies and online shoppers.
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Introduction: A Match Made in Culinary Heaven
If you’re someone who enjoys ordering food online, grocery shopping, and shopping on various online platforms, the HDFC Swiggy Credit Card might just be the perfect companion for you. Launched in collaboration with Swiggy and HDFC Bank, this credit card offers enticing cashback rewards tailored to your everyday spending habits.
What Is the HDFC Swiggy Credit Card?
The HDFC Swiggy Credit Card is a co-branded credit card that rewards you for your spending across Swiggy platforms and other online purchases. Whether you’re ordering your favorite meal, shopping for groceries, or indulging in online retail therapy, this card ensures you earn cashback on your transactions.
Cashback Benefits: How Much Can You Earn?
- 10% Cashback on Swiggy Transactions: Enjoy a flat 10% cashback on food orders, Instamart, Dineout, and Genie services. The maximum cashback you can earn is ₹1,500 per billing cycle. Please note that cashback is not applicable on spends made using Swiggy Money Wallet, Swiggy Minis, and Swiggy Liquor .
- 5% Cashback on Online Spends: Earn 5% cashback on online purchases across various categories, including apparel, electronics, entertainment, home décor, and more. The maximum cashback per billing cycle is ₹1,500. However, gift card purchases are excluded from this offer .
- 1% Cashback on Other Categories: For all other spends, including offline transactions, you can earn 1% cashback, capped at ₹500 per billing cycle .
With these cashback opportunities, you can save up to ₹42,000 annually, depending on your spending patterns.
Welcome Benefit: Complimentary Swiggy One Membership
Upon activating your HDFC Swiggy Credit Card, you receive a complimentary 3-month Swiggy One membership, valued at ₹1,199. This membership offers benefits such as free deliveries and exclusive discounts across Swiggy platforms. If you already have a Swiggy One membership, it will be extended by an additional 3 months .
Eligibility Criteria: Who Can Apply?
To apply for the HDFC Swiggy Credit Card, you must meet the following eligibility criteria:
- Salaried Individuals: A minimum monthly income of ₹15,000.
- Self-Employed Individuals: An annual income tax return of ₹6 lakhs or more .
Additionally, applicants should be between the ages of 21 and 60 years (for salaried individuals) or 21 and 65 years (for self-employed individuals).
Cashback Redemption: Direct Statement Credit
Starting from June 21, 2024, the cashback earned on your HDFC Swiggy Credit Card will be credited directly to your credit card statement, reducing your outstanding balance. This change replaces the previous method where cashback was reflected as Swiggy Money in the Swiggy app .
Additional Features: More Than Just Cashback
- Zero Lost Card Liability: In case of loss or theft, report immediately to HDFC Bank’s 24-hour call center to avail zero liability on fraudulent transactions.
- Interest-Free Credit Period: Enjoy up to 50 days of interest-free credit from the date of purchase, subject to the submission of the charge by the merchant.
- Smart EMI Facility: Convert large purchases into manageable EMIs at nominal interest rates.
- Mastercard Golf Benefits: Access to golf courses worldwide, including 12 free lessons per year and discounted green fees .
Things to Keep in Mind
- Cashback is not applicable on transactions made using Swiggy Money Wallet, Swiggy Minis, and Swiggy Liquor.
- Gift card purchases from online platforms do not qualify for cashback.
- Transactions below ₹100 are not eligible for cashback.
- To activate the Swiggy One membership, ensure you activate your card by making a transaction or setting up the card PIN and enabling online transactions .
Conclusion: Is It the Right Card for You?
The HDFC Swiggy Credit Card is an excellent choice for individuals who frequently use Swiggy for food delivery, grocery shopping, and other services. The generous cashback offers, combined with the complimentary Swiggy One membership, make it a valuable addition to your wallet. If your spending habits align with the card’s benefits, it can lead to significant savings over time.
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FAQs
What is the HDFC Swiggy Credit Card?
How do I activate the HDFC Swiggy Credit Card?
What is the Swiggy One membership benefit?
Upon activating your HDFC Swiggy Credit Card, you receive a complimentary 3-month Swiggy One membership, offering benefits like free deliveries and exclusive discounts on Swiggy platforms.
How do I link my credit card to the Swiggy app?
What are the cashback categories and limits?
10% cashback on Swiggy spends (Food, Instamart, Dineout, Genie), up to ₹1,500 per month.
5% cashback on online spends across various categories, up to ₹1,500 per month.
1% cashback on other spends, up to ₹500 per month.
Are there any exclusions for cashback?
Yes, cashback is not applicable on transactions made using Swiggy Money Wallet, Swiggy Minis, Swiggy Liquor, gift card purchases, fuel, government-related transactions, EMI payments, wallet loads, and certain other categories.
How is the cashback redeemed?
What is the annual fee for the card?
What is the interest-free credit period?
You can enjoy up to 50 days of interest-free credit from the date of purchase, subject to the submission of the charge by the merchant.
Is there a facility to convert purchases into EMIs?
Yes, the Smart EMI facility allows you to convert large purchases into manageable EMIs at nominal interest rates.
Can I add authorized users to my card?
Does the card offer golf benefits?
Is there a contactless payment feature?
What should I do if my card is lost or stolen?
How can I apply for the HDFC Swiggy Credit Card?
You can apply online through the HDFC Bank website or visit a nearby HDFC Bank branch to submit your application.