Swiggy HDFC Bank Credit Card is a co-brand card launched 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 View :
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.
Swiggy HDFC Bank Credit Card
Special Benefits
10% cashback on various Swiggy apps
Other Benefits
5% cashback on various online purchases including Amazon & Flipkart
Minimum Income
Salaried : ₹25,000 per month
Self-Employed : ₹6 lakhs per year
Annual Fee
₹ 500
Annual Fee Offers
Welcome offer : Complimentary 3-month Swiggy One Membership
Renewal fee waived at ₹2 lakh annual card spend
Swiggy HDFC Bank Credit Card: Summary Table
| 10% cashback on Swiggy apps – Food ordering – Instamart – Dineout – Genie | You earn ₹10 cashback, on every ₹100 you spend on Swiggy (food ordering, Instamart, Dineout, and Genie) – 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, and can used as cash on the Swiggy app. – Swiggy Money expires after 1 year from the date of earning. – Not valid for transaction under ₹100 Exceptions : Cashback is not given on Swiggy Money wallet, Swiggy liquor, and Swiggy minis. |
| 5% cashback on online purchases across various categories , including Amazon and Flipkart | You earn ₹5 cashback, on every ₹100 you spend on online purchases across various categories, including Amazon and Flipkart – 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). – 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 – Cashback is earned as Swiggy Money, and can used as cash on the Swiggy app. – Swiggy Money expires after 1 year from the date of earning. – Not valid for transaction under ₹100 |
| 1% basic cashback benefit on all other spends | You earn ₹1 , on every ₹100 you spend on all other purchases – 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. |
| ₹500 annual fee | Annual fee offers Welcome offer : You get a complimentary 3-month Swiggy One Membership , upon card activation. Renewal offer : Annual fee is not charged from the second year onwards , if you spend ₹2 lakhs or more in the previous year. |
| Minimum income requirements | Salaried : ₹25,000 per month Self-employed : ₹6 lakhs per year |
Pros and 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
- 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 redeemed on Swiggy.
Comparing with Competitor Cashback Credit Cards
| Features |
HDFC Millennia Credit Card
Our Rating
APPLY NOW
|
Amazon Pay ICICI Bank Credit Card
Our Rating
APPLY NOW
|
Flipkart Axis Bank Credit Card
Our Rating
APPLY NOW
|
Axis Bank Ace Credit Card
Our Rating
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|
|---|---|---|---|---|
| Cashback Rates |
1% – 5%
|
1% – 5%
|
1.5% – 5%
|
2% – 5%
|
| Other benefits | Fuel Surcharge Waiver | Fuel Surcharge Waiver | Fuel Surcharge Waiver | Fuel Surcharge Waiver |
| Annual Fee |
₹1,000 + Applicable Taxes
|
No Annual Fees
|
₹500
|
₹499
|
| Annual Fee Offers |
Annual Fee Reversal on meeting ₹1,00,000 spends
| – |
Annual fee waived off on annual spends greater than ₹. 2,00,000.
|
Annual fee waived off on annual spends greater than ₹. 2,00,000.
|
| Minimum Income |
Not Specified
|
Not Specified
|
Not Specified
|
Not Specified
|
Detailed Review of the Swiggy HDFC Bank Credit Card
Features & Benefits of Swiggy HDFC Bank Credit Card
10% cashback on Swiggy apps – Food ordering || Instamart || Dineout || Genie
You earn ₹10 cashback, on every ₹100 you spend on Swiggy (food ordering, Instamart, Dineout, and Genie) – 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).
Exceptions : Cashback not applicable on Swiggy Money wallet, Swiggy liquor, and Swiggy minis.
– 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 .
– Please see the next section to see steps on how to link your credit card to your Swiggy account
– You can utilize Swiggy Money selecting Swiggy Money under the profile section payment method within the Swiggy application
– Swiggy Money expires after 1 year from the date of earning. When using Swiggy Money, the cashback with the nearest expiry date will be utilised first to maximise your benefits.
– Cashback is not given on transactions under ₹100
To earn and redeem cashback in the form of Swiggy Money, you need to create your Swiggy account on the Swiggy app. You will also need to link your card to the Swiggy app, if you applied for the card through HDFC Bank. To link your Swiggy HDFC Bank Credit Card with the Swiggy app, please follow the below steps:
- 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.
- 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.
- 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
You can earn ₹5 cashback, on every ₹100 you spend on online purchases across various categories, including Amazon and Flipkart – 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).
– 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.
Please note :
– 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 .
– You can utilize Swiggy Money selecting Swiggy Money under the profile section payment method within the Swiggy application
– Swiggy Money expires after 1 year from the date of earning. When using Swiggy Money, the cashback with the nearest expiry date will be utilised first to maximise your benefits.
– Cashback is not given on transactions under ₹100
– Please see the above section on how to link your Swiggy HDFC Bank Credit Card to your Swiggy account, if you applied for the card through HDFC Bank.
1% basic cashback benefit on all other spends
You earn ₹1 , on every ₹100 you spend on all other purchases – 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
Card Fees and Charges
Annual fee & annual fee offers
The annual fee for this card is ₹500. There are also attractive annual fee-related offers, please see details in the below table:
| Annual fee | Annual fee offers | |
|---|---|---|
| 1st year joining fee | ₹500 | Welcome 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 | ₹500 | Renewal 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 target – 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 Millennia Credit Card, there are certain basic criteria that all applicants must fulfil.
| Minimum age | 21 years |
| Maximum age | Salaried : 60 years Self-employed : 65 years |
| Occupation | Salaried or self employed |
| Minimum income requirement | Salaried : ₹25,000 Self-employed : ₹ 6 lakhs per year |
| Credit score | Not specified, a minimum credit score of 700-750 is generally preferred |
How To Apply & Track Your Application Status ?
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 process | You can visit any of the nearest branches of the bank and talk to an executive regarding the process. |
| Whatsapp Banking | You 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. |
| Approval timeline and tracking your application status | In most cases, the credit card decision would be communicated maximum within 21 working days. In certain cases, it could take longer, especially if the bank wants more information and documents from you. – 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. |
Other Cardholder Benefits
| 24/7 customer support | Your bank is always available; please click here for all the options to contact the bank. |
| Security features | Chip and PIN technology – security for offline transactions : In the past, credit cards typically used a magnetic stripe located on the back of the card to store and transact data. However, the latest generation of credit cards includes a CHIP and PIN feature, which provides enhanced security. Only you know your PIN, so even if your card is lost, it is unlikely to be misused since BOTH the physical card and the PIN must be spent on the card. Two-factor authentication – security for online transactions : When making an online transaction, you approve your online transaction by using a One-time Password (OTP) you get on your mobile phone. Since only you know the OTP, the card is unlikely to be misused unless someone has access to BOTH your card details AND your mobile phone. This ensures a safe online purchase experience. SMS alerts and notifications – for both offline and online transactions : For your peace of mind, you get free SMS alerts and notifications for all your transactions. Hence you will know about all transactions on your card. In the unlikely scenario of misusing your card, you would still get these alerts and notifications – which will help you immediately block your credit card. |
| Contactless payment | Look for the contactless network symbol on your card to determine if your credit card is contactless. In India, contactless payments are allowed for a maximum of ₹5000 for a single transaction without requiring a credit card PIN. For transactions equal to or higher than ₹5000, the cardholder must input their credit card PIN for security reasons. |
| Zero lost card liability | In the unfortunate event of you losing your HDFC Swiggy Credit Card, please report it immediately to the 24-hour call centre. After reporting the loss, you have zero liability on any fraudulent transactions made on your Credit Card. |
| Interest free credit period | Up to 50 days of interest free period on your HDFC Millennia Credit Card from the date of purchase (subject to the submission of the charge by the Merchant) |
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.
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.
Apply Nowon HDFC Bank website
Frequently Asked Questions
What is the minimum income requirement for the Swiggy HDFC Bank Credit Card?
The minimum income requirement for this card is ₹25,000 per month for salaried persons, and ₹6 lakhs per year for self-employed individuals.
Can I use this credit card for international transactions?
Yes, you can use the Swiggy HDFC Bank Credit Card for international transactions. Please take note of any associated fees and charges that may be incurred on such transactions.
What is the credit limit on this card?
The credit limit on the Swiggy HDFC Bank Credit Card will be determined based on factors such as your overall financial situation, income, credit utilisation, credit history etc.
What is the annual fee associated with this credit card?
The annual fee charged on the Swiggy HDFC Bank Credit Card is ₹500. You get a complimentary 3-month Swiggy One Membership, upon card activation – as a welcome offer. Benefits include free delivery and special discounts. Annual fee from the second year onwards is waived off if you spend a minimum of ₹2 lakh in the previous year.
On this page
- Brief overview
- Pros and cons
- Detailed look at the card
- Features & benefits
- Card fees & charges
- Eligibility criteria
- Application process
- Other cardholder benefits
- Frequently asked questions
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