By: OurMoneyGuide || Last updated on: May 6, 2024

Swiggy HDFC Bank Credit Card is a co-brand card issued by HDFC Bank, in partnership with Swiggy. The card gives attractive rewards not only on popular Swiggy apps, but also on variety of online purchases including Amazon and Flipkart. All rewards that you get can only be used on the Swiggy apps, hence the card is suitable only if you are regular Swiggy user.

Brief Summary

Our Rating

4.0 / 5

Best for those who like to shop & spend online, and particularly for those who like to shop & spend on Swiggy and large online marketplaces like Amazon & Flipkart. You get 10% cashback on Swiggy (on monthly purchases upto ₹15000) , and 5% cashback on a variety of online purchases including Amazon and Flipkart (on monthly purchases upto ₹30000).

While the cashback benefits are appealing, you need to be a regular user of Swiggy since all cashback is earned in the form of Swiggy Money, which can only be used/redeemed on Swiggy.

The annual spend target of ₹2 lakh to get an annual fee waiver (from 2nd year onwards) is achievable, if you use the card on the promotion categories on which you get special benefit . As a welcome offer, you get a complimentary 3-month Swiggy One Membership , upon card activation.

Pros & Cons of Swiggy HDFC Bank Credit Card

Pros

  • 10% cashback on various Swiggy services
  • 5% cashback at important and relevant merchants including Amazon, Flipkart, etc – catering to your shopping, entertainment and other needs

Cons

  • Not a good credit card for those who do not like to spend online, and like in-store shopping and spending
  • Cashback given as Swiggy Money, and can only be used on the Swiggy apps. Hence the card is suitable only if you are regular Swiggy user.

Features & Benefits of the Swiggy HDFC Bank Credit Card

10% cashback on Swiggy apps (Food ordering || Instamart || Dineout || Genie) – on purchases upto ₹15000 per month

You earn ₹10 cashback, on every ₹100 you spend at Swiggy (food ordering, Instamart, Dineout, and Genie). Cashback is not applicable on Swiggy Money wallet, Swiggy liquor, and Swiggy minis.

This benefit is valid only on purchases upto ₹15,000 per month, since the maximum cashback you can earn at this special 10% rate is capped at ₹1500 per monthly card statement cycle.

Cashback is earned as Swiggy Money in your Swiggy account on the Swiggy app. And can used as cash on the Swiggy app only on the following Swiggy platforms – Food ordering || Instamart || Dineout || Genie .

Swiggy Money expires after 1 year from the date of earning. Cashback is not given on transactions under ₹100

If you applied for the card through HDFC Bank, you will need to link your card to the Swiggy app. To link your Swiggy HDFC Bank Credit Card with the Swiggy app, please follow the below steps: 

  1. Navigate to the Credit Card page within the Swiggy app, accessible by clicking on the Accounts section in the top right corner and selecting Swiggy HDFC Bank Credit Card. 
  2. Scroll down to the bottom of the Credit Card page and find the section titled “Already Got the Card?” There, click on “Link Your Card to Swiggy.” You’ll be prompted to enter the mobile number you provided in your Credit Card application. 
  3. Input your number and submit the OTP received to complete the linking process.

5% cashback on online purchases across various categories, including Amazon and Flipkart – on purchases upto ₹30,000 per month

You earn ₹5 cashback, on every ₹100 you spend on online purchases across various categories, including Amazon and Flipkart.

This benefit is valid only on purchases upto ₹30,000 per month, since the maximum cashback you can earn at this special 5% rate is capped at ₹1500 per monthly card statement cycle.

Online purchases include-
– Large online discount stores like Flipkart, Amazon, Meesho, and Ajio.
– Department stores, apparel, and home decor
– Electronics
– Local cabs
– Entertainment
– Pharmacies & personal care
– Online pet stores

Exception : Cashback will not be given on any grocery purchases and gift card purchases.

For more details, please click here.

Cashback is earned as Swiggy Money in your Swiggy account on the Swiggy app. And can used as cash on the Swiggy app only on the following Swiggy platforms – Food ordering || Instamart || Dineout || Genie.

1% basic cashback benefit on all other spends – on purchases upto ₹50,000 per month

You earn ₹1 as cashback, on every ₹100 you spend on all other card purchases.

This benefit is valid only on purchases upto ₹50,000 per month, since the maximum cashback is capped at ₹500 per card statement cycle.

Exceptions : No cashback is given on fuel purchases, rent payments, government-related transactions, jewellery, wallet transactions, EMI transactions

For full list of terms and conditions, please click here

Upto 10% cashback on a variety of categories and partners – through HDFC Smartbuy platform

HDFC Smartbuy is a platform which display’s HDFC Bank’s exclusive partnerships, with a variety of partners. You get 5% – 10% cashback on various categories and at various partners, please see details in the table below.

You get a a maximum cashback of ₹1000 per month. For example, if you shop only in the 5% shopping categories/partners, you shall get 5% cashback on total card purchases of ₹20,000 per month.


Applicable categories and partners
5% cashback on travel spends, through HDFC Smartbuy✓ Flight bookings
✓ Hotel bookings
✓ IRCTC train tickets
✓ Bus tickets, through RedBus
✓ MakeMyTrip holiday packages
5% cashback on gift voucher purchases, through HDFC SmartbuyGift vouchers usually include Amazon Pay, Flipkart, Amazon shopping and more.

There maybe individual limits on certain gift vouchers, and/or processing charges on certain gift vouchers, for example Amazon Pay vouchers. To see latest details, and a list of all gift vouchers available, please click here.
5% cashback at select partners, through HDFC Smartbuy✓ Myntra
✓ Jockey
✓ Apple Imagine Tresor
✓ Nykaa
✓ Zoom Car
10% cashback at select partners, through HDFC Smartbuy✓ Pharmeasy
✓ IGP.com
Please note that partners listed on HDFC Smartbuy platform could change from time to time. To see latest details of applicable partners, please click here.


Zero lost card liability

In case you misplace your HDFC Bank Credit Card, you can rest assured that your liability for any fraudulent transactions made on the card is completely eliminated. 

By promptly reporting the loss to HDFC Bank’s 24-hour call centre, you will be protected from any unauthorized charges.

24/7 HDFC customer support available

You can reach HDFC Bank 24 hours a day, please click here for all the options to contact the bank.

Swiggy HDFC Bank Credit Card Fees and Charges

Annual fee & annual fee offers

Annual fee
Annual fee offers
1st year joining fee₹500Welcome offer : You get a complimentary 3-month Swiggy One Membership , upon card activation. Benefits include free delivery and special discounts.
Renewal fee from 2nd year onwards₹500Renewal fee offer : Annual fee is not charged from the second year onwards , if you spend ₹2 lakhs or more in the previous year.
– The following spends are not considered as eligible spends to achieve the ₹2 lakh spend requirement – cash on call || balance transfer || cash withdrawal

Hence the card is virtually free if you spend ₹2 lakhs or more each year

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – HDFC Swiggy Credit Card Fees & Charges

Eligibility Criteria

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for an HDFC Credit Card, there are certain basic criteria that all applicants must fulfil. 

Minimum age21 years
Maximum ageSalaried : 60 years
Self-employed : 65 years
Occupation Salaried or self employed
Minimum income requirementSalaried : ₹25,000
Self-employed : ₹6 lakhs per year
Credit scoreNot specified, a minimum credit score of 750 is generally preferred

Application Process

Step-by-step guide –

Online application process
The easiest way is to click here – APPLY NOW , you will be taken to the card application page on the HDFC Bank website. You can also visit official website of the bank and fill out the application form.

Steps :
– The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.
– To apply, simply provide your personal details, such as your mobile phone number, income, and PAN number, along with the required documents.
– Submit the required documents
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Whatsapp BankingYou can also apply for your card through HDFC Whatsapp Banking. Here are the steps to apply for an HDFC credit card through WhatsApp banking:

1. Save the Chat Banking number 7070022222 (HDFC Bank WhatsApp number) in your contacts
2. Send “Hi”
3. Choose the desired option OR simply type your query, for example – “Apply for Credit Card”
4. Apply and wait for further instructions or updates on your card application status.
Tracking your application status– Click here to track the status of your HDFC Bank Credit Card application.
– You can also check the status of your application through Chat with EVA. Simply ask the chatbot to help you track your credit card applications and follow its instructions.

Necessary documents –

Required documents
– PAN card copy
– Identity proof : PAN card , driving license, valid passport, voter ID (any one)
– Address proof : electricity bill, phone bill (not more than 2 months old), driving licence, passport, ration card, bank statement, passbook (not older than 3 months), voters ID, flat maintenance bill (not older than 2 months), rent agreement (any one)
– Income proof : latest salary slip/s, income tax return etc

You maybe required to provide additional documents, on a case-to-case basis.

Conclusion

Overall, Swiggy HDFC Bank Credit Card provides very good cashback benefits for online shoppers. It offers 10% cashback on various Swiggy apps, and 5% cashback on popular platforms such as Amazon, Flipkart etc. While the cashback benefits are appealing, you need to be a regular user of Swiggy since all cashback is earned in the form of Swiggy Money, which can only be used/redeemed on Swiggy.