Swiggy HDFC Bank Credit Card

8.4

Expert ScoreRead review

 

• Complimentary 3-Month Swiggy One Membership as welcome benefit
• 10% Cashback across the Swiggy app on Food, Instamart, Dineout, and Genie
• 5% Cashback on online spends across top brands
• 1% Cashback on other spends
• Renewal fee waiver on annual spends of Rs. 2 Lakhs and above

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Category: Credit Cards

Reward Type

Cashback

Renewal Fee

Rs. 500

Joining Fee

Rs. 500

Type of Card

Cashback

Welcome Benefits

Complimentary 3-month Swiggy One membership upon card activation

USP of Card

 

• Complimentary 3-Month Swiggy One Membership as welcome benefit
• 10% Cashback across the Swiggy app on Food, Instamart, Dineout, and Genie
• 5% Cashback on online spends across top brands
• 1% Cashback on other spends
• Renewal fee waiver on annual spends of Rs. 2 Lakhs and above

Fees & Charges

Spend Based Waiver

Renewal fee waiver on spending Rs. 2 Lakhs in the year

Interest Rates

3.6% per month or 43.2% per annum

Cash Advance Charges

3.5% of the total amount

Rewards Redemption Fee

Cashback is automatically redeemed in the form of Swiggy Money and can be used across the Swiggy app

Fuel Surcharge

NA

Foreign Currency Markup

2.5% of the amount or Rs. 500, whichever is higher

Late Payment Fee

-

Add-on Card Fee

Nil

Rewards & Benifit

Movie & Dining offers

10% Cashback on Swiggy app including food orders, Instamart, Dineout, and more

Reward Redemption

Cashback is automatically redeemed in the form of Swiggy Money and can be used across the Swiggy app

Zero Liability Protection

Cardholder will not be liable for any fraudulent transaction made with the card in case of timely reporting to the bank about loss or theft of card

Rewards Rate

10% Cashback across Swiggy app, 5% Cashback on online spends, 1% Cashback on other categories

Travel

Upto 5% cashback on merchants like Uber and Ola

Online Shopping offers

5% cashback on online spends made with the card across top brands like Nykaa, BookMyShow, Ola, Myntra, Amazon, Uber, Adidas, H&M, and more

Insurance Benefits

NA

Domestic Lounge Access

NA

International Lounge Access

NA

8.4Expert Score

Our Take

Loyal Swiggy customers will love it since you may earn 10% cashback on purchases made on the Swiggy platform in addition to 5% cashback on purchases from other well-known companies. As a welcome bonus, you also receive a complimentary 3-month Swiggy One subscription, valued at ₹1199.

PROS

• Get 10% cashback on all your Swiggy food delivery orders, including Genie and Instamart.
• Up to ₹1,500 cashback per month across major online shopping platforms.
• For food enthusiasts, a complimentary Swiggy One membership for three months is extremely beneficial.

CONS

• You can only redeem your cashback on the Swiggy app.
• No domestic or international lounge access with the Swiggy HDFC Credit Card.
• The foreign currency markup is extremely high at 3.5%.

You can get the Swiggy HDFC Bank credit card for a membership fee of 500 for the co-branded card that Swiggy has issued. Loyal Swiggy customers will love it since you may earn 10% cashback on purchases made on the Swiggy platform in addition to 5% cashback on purchases from other well-known companies. As a welcome bonus, you also receive a complimentary 3-month Swiggy One subscription, valued at ₹1199.

You must link your card to the Swiggy app in order to redeem the cashback because it is earned in the form of Swiggy Money. The Swiggy app or HDFC Bank both accept applications for the card. Additionally, the card is part of the Mastercard network, and using it entitles you to World Tier Mastercard privileges