About Swiggy HDFC Bank Credit Card
The Swiggy HDFC Bank Credit Card is ideal for frequent Swiggy users, offering 10% cashback across Swiggy platforms, including food delivery, Instamart, Dine Out, and Genie. Additionally, it provides 5% cashback on other online platforms and 1% cashback on offline purchases. With an annual fee of ₹500, this card delivers excellent value for regular users.
For consumers who spend significantly on Swiggy each month—such as on Instamart groceries or multiple food deliveries—the cashback easily offsets the annual fee. For example, spending ₹15,000 per month on Swiggy platforms can yield an annual cashback of ₹18,000, credited directly to the card statement. Even for those who aren’t heavy Swiggy users, the card still offers 5% cashback on online spends and 1% on offline purchases.
Swiggy HDFC Bank Credit Card Rewards Program
Cashback Earning:
- Earn 10% cashback (capped at ₹1,500 per month) on Swiggy transactions, including food delivery, Instamart, Dineout, and Genie.
- Get 5% cashback on online spends across various categories (capped at ₹1,500 per month).
- Earn 1% cashback on all other spends, including offline transactions (capped at ₹500 per month).
Other Features and Benefits
Activation
- Complimentary 3-month Swiggy One membership on card activation
Discounts:
- Enjoy 6% discount on domestic and international flight bookings and intercity bus tickets via Paytm Travel.
Renewal Fee Waiver
- Annual fee waived on yearly spends of Rs. 2 lakh (excluding cash withdrawals, balance transfers, and Cash on Call)
Golf Benefits
- 4 complimentary green fee rounds and 12 free golf lessons; 50% off on additional green fees for Mastercard users
Zero Lost Card Liability
- No liability on fraudulent transactions if the lost card is reported immediately
Fees and Charges
| Fee Type | Amount |
|---|
| Joining Fee | Rs. 500 + Taxes |
| Annual Fee | Rs. 500 + Taxes |
| Finance Charges | 3.75% p.m. | 45% p.a. |
| Late Payment Charges | | For Statement Balance: | | | Up to Rs. 100 | Nil | | Rs. 101 to Rs. 500 | Rs. 100 | | Rs. 501 to Rs. 1,000 | Rs. 500 | | Rs. 1,001 to Rs. 5,000 | Rs. 600 | | Rs. 5,001 to Rs. 10,000 | Rs. 750 | | Rs. 10,001 to Rs. 25,000 | Rs. 900 | | Rs. 25,001 to Rs. 50,000 | Rs. 1,100 | | More than Rs. 50,000 | Rs. 1,300 |
|
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Document Required For Swiggy HDFC Bank Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Swiggy HDFC Bank Credit Card Highlights
What do we like about this card?
- 10% Cashback on Swiggy: Food, Instamart, Dineout, and Genie (monthly cap ₹1,500).
- 5% Cashback on Online Spends: Across select online categories (monthly cap ₹1,500).
- 1% Cashback on Other Purchases: Including offline spends (monthly cap ₹500).
- Complimentary Swiggy One: 3-month membership on activation.
- Travel Discount: 6% off on flights and intercity bus bookings via Paytm Travel.
- Golf Benefits (Mastercard): 4 complimentary green fees + 12 lessons per year; 50% off extra rounds.
- Annual Fee Waiver: Spend ₹2 lakh/year to waive fee (excludes cash, balance transfers).
- Zero Lost Card Liability: Report lost card to avoid fraudulent charges.
Things to Know Before you apply
Get this card if:
- You prefer earning direct cashback instead of reward points
- You want a low-fee, entry-level credit card
- You frequently order food, groceries, or dine out and can maximize the accelerated cashback
- You shop online often and can take advantage of higher cashback on online spends
Pros
- 10% cashback across all Swiggy platforms, including food ordering, Instamart, Dineout, and Genie
- 5% cashback on other online spends across various categories
- Complimentary 3-month Swiggy One membership
- Complimentary golf rounds and lessons with the Mastercard variant
Cons
- Maximum cashback capped at Rs. 3,500 across all categories
- No complimentary lounge access
- No cashback on select Swiggy spends like Swiggy Money Wallet, Swiggy Minis, and Swiggy Liquor
HDFC Bank Credit Card Contact Details
HDFC Card offers multiple ways to get assistance for your credit card queries and services.
- Contact Address: Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO Chennai - 600 041
- Helpline: You can contact us at 1800 1600 / 1800 2600.
- Simply SMS: - SMS “CCHELP” to 5676712
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Frequently Asked Questions
The card has an annual fee of ₹500, which can be waived on annual spends of ₹2 lakh (excludes cash, balance transfer, and Cash on Call transactions).
10% cashback on Swiggy platforms (food, Instamart, Dineout, Genie), capped at ₹1,500/month.
5% cashback on select online spends, capped at ₹1,500/month.
1% cashback on all other spends, capped at ₹500/month.
Yes, you get a complimentary 3-month Swiggy One membership on card activation.
Yes, Mastercard holders get 4 complimentary golf green fees and 12 lessons per year, with 50% off on additional rounds.
Yes, the card offers zero liability on fraudulent transactions if the lost card is reported immediately.
Yes, you get a 6% discount on domestic & international flights and intercity bus bookings via Paytm Travel.
