Swiggy HDFC Bank Credit Card Quick Overview- Benefits, Charges, Limit
| Feature | Details |
|---|---|
| Card Name | Swiggy HDFC Bank Credit Card |
| Welcome Benefits | Free 3-month Swiggy One membership |
| 10% Cashback | On Swiggy (Food, Instamart, Dineout, Genie) — up to ₹1,500/month |
| 5% Cashback | On online shopping — up to ₹1,500/month |
| 1% Cashback | On other spends — up to ₹500/month |
| Joining Fee | ₹500 + GST |
| Annual Fee | ₹500 + GST |
| Interest Rate | ~3.6% per month |
| Fee Waiver | Spend ₹2,00,000/year to waive renewal fee |
| Cashback Type | Credited as a statement credit |
| Max Savings | Up to ₹42,000/year |
Pros and Cons
Pros
- Good cashback on Swiggy and online shopping, plus a free Swiggy One membership.
Cons
- No travel perks like lounge access, and cashback has a monthly limit.
Swiggy HDFC Bank Credit Card Eligibility Criteria
The eligibility criteria are different for people who are self-emlpoyed and salary-based, so you need to match the criteria if you want one
For salarie-based employees
- You must be an Indian citizen.
- You must be between 21 years and 60 years of age.
- Your monthly salary should be at least ₹15,000 or greater.
- Having a strong credit rating helps ensure your loan is approved quickly.
For Self-employed People
- You must be an Indian Citizen.
- Your age must be between 21 and 65 years.
- Your annual income must be ₹6,00,000 or higher.
- Having a great credit rating, along with all of your documents, makes it much easier to have your loan approved.
Swiggy HDFC Bank Credit Card Rewards and Benefits
Get 10% cashback on every order: This card gives you 10% cashback on Swiggy — whether it’s food delivery, groceries from Instamart, dining through Dineout, or Genie services. Every order helps you save a little with no extra effort. So you’ll be able to save money on all of your Swiggy orders from now on — without having to do anything different from how you already shop on Swiggy.
Cashback on Online Shopping:- Anytime you buy something online, you also receive 5% cashback from your credit card, no matter if it was clothes, electronics, or grocery-related items. The great thing about online shopping is that you will always get cash back!
Rewards on All Other Spends:- For all other purchases made with this card, you still get 1% cashback. It may seem small, but it adds up over time.
Free Swiggy One Membership:- You will get a free, 3-month Swiggy One membership upon receiving your new credit card. Having a Swiggy One membership gives you access to faster delivery and additional offers.
Easy Payments:- You will also get up to 50 days’ interest-free time to pay your bill, and you can also convert large purchases into Small Monthly Payments (EMIs).
You’ll find that your credit card is as secure as it is convenient. It’s very easy to make payments anywhere (online or in-person), and it comes equipped with tap-to-pay technology.
Popular Card: HDFC Bank Freedom Credit Card
Why Choose the Swiggy HDFC Bank Credit Card?
You should definately choose this card, if you order food on Swiggy, order groceries online, or do regular online shopping, you get great cashback on every purchase. Choosing this card can earn you 10% cashback on Swiggy, 5% on online shopping, and 1% everywhere else, meaning some of that money comes back to you on your statement.
Along with that, you get a 3-month free Swiggy One membership, a low annual fee that can be waived based on your spending, and up to 50 days of interest-free credit. If most of your monthly spending goes toward food delivery, groceries, and online shopping, this card fits naturally into that lifestyle and helps you earn steady cashback on those purchases.
Swiggy HDFC Bank Credit Card Review
The Swiggy HDFC Bank Credit Card is a great choice if Swiggy is a part of your daily life. If you often order food, buy groceries online, or shop on the internet, this card helps you save money without changing how you spend. The cashback is easy to understand, the fees are low, and the free Swiggy One membership is an amazing bonus.
However, if you’re looking for travel benefits like airport lounge access or premium perks, this card may not be the best fit for you. But for everyday users who want simple rewards and real savings, this card delivers.
FAQs
How much cashback can you really earn with this card?
You can get 10% cashback on every order from Swiggy, whether you order food, groceries, or electronics, allows you to save a lot of money.
Can I use this card for things other than Swiggy?
Yes! You can use it for online shopping, in-store purchases, and daily spending, and you’ll still earn cashback on those too.
Can I convert my big purchases into EMIs?
Yes, if you make a large purchase, you can easily convert it into monthly EMIs through HDFC’s Smart EMI option.
How will I get my cashback?
Your earned cashback will be applied to your credit card bill, reducing the balance on your next statement.