Swiggy HDFC Bank Credit Card – Get 10% Cashback on Swiggy
The Swiggy HDFC Bank Credit Card is a co-branded credit card launched by HDFC Bank and Swiggy. It offers 10% cashback on Swiggy food orders, Instamart grocery deliveries, Dineout restaurants, and Swiggy Genie services.
It also offers 5% cashback on online spending across online MCCs and 1% cashback on other categories.
The card is for people aged 21-60 years with an income of INR 25,000 per month (salaried) or INR 6 lakhs per annum (self-employed).
Here are some of the key features of the Swiggy HDFC Bank Credit Card:
- 10% cashback on Swiggy food orders, Instamart grocery deliveries, Dineout restaurants, and Swiggy Genie services (up to INR 1,500 per month)
- 5% cashback on online spending across online MCCs (up to INR 1,500 per month)
- 1% cashback on other categories
- Complimentary Swiggy One membership for 3 months
- Premium golf club access worldwide
- Free stay & dine
- Agoda discounts
- Airport lounge access
- Travel Insurance
The Swiggy HDFC Bank Credit Card is a great option for people who frequently order food from Swiggy or use Swiggy Instamart. The card also offers cashback on other online spends, making it a versatile option for everyday use.
Features of Swiggy HDFC Bank Credit Card
- 10% cashback on Swiggy food orders, Instamart grocery deliveries, Dineout restaurants, and Swiggy Genie services (up to INR 1,500 per month): This is the most notable feature of the card, as it offers a significant cashback on your spending on Swiggy and its partner brands.
- 5% cashback on online spending across online MCCs (up to INR 1,500 per month): This cashback is applicable on your online spending across a variety of merchants, including e-commerce websites, travel booking websites, and online food ordering platforms.
- 1% cashback on other categories: This cashback is applicable on all other spending categories, such as fuel, utility bills, and shopping.
- Complimentary Swiggy One membership for 3 months: Swiggy One is a membership program that offers benefits such as free deliveries, discounts, and access to exclusive offers. The complimentary membership gives you access to these benefits for 3 months.
- Premium golf club access worldwide: The card offers premium golf club access worldwide, which can be a great perk for golfers.
- Free stay & dine: The card offers free stay and dine benefits at select hotels and restaurants.
- Agoda discounts: The card offers discounts on bookings made through Agoda, a popular travel booking website.
- Airport lounge access: The card offers airport lounge access, which can be a great way to relax and unwind before your flight.
- Travel insurance: The card offers travel insurance, which can help protect you in case of unforeseen events during your travels.
Fees and charges of Swiggy HDFC Bank Credit Card
Here are the fees and charges of the Swiggy HDFC Bank Credit Card:
- Joining fee: INR 500
- Annual fee: INR 499
- Late payment fee: 3% of the outstanding amount
- Foreign currency transaction fee: 2.5%
- Cash advance fee: 2.5% of the amount withdrawn, plus a processing fee of INR 250
- Overdue interest: 2.95% per month
The Swiggy HDFC Bank Credit Card also has some other fees, such as the following:
- SMS alert fee: INR 2 per SMS
- Chequebook issuance fee: INR 100
- Statement copy fee: INR 50
- Card replacement fee: INR 500
It is important to note that these fees and charges are subject to change. You should always check with the bank for the latest information.
How to apply for Swiggy HDFC Bank Credit Card
The steps on how to apply for the Swiggy HDFC Bank Credit Card are as follows:
- Visit the Swiggy HDFC Bank Credit Card website or the HDFC Bank website.
- Click on the “Apply Now” button.
- Fill out the application form and submit it.
- The bank will review your application and contact you if you are approved.
Here are some of the documents you need to submit with your application:
- Proof of identity (e.g., passport, driver’s license, or PAN card)
- Proof of address (e.g., utility bill, bank statement, or rental agreement)
- Proof of income (e.g., salary slip, tax return, or business documents)
The bank may also ask you to provide additional documents, such as a credit report or a letter of employment.
The approval process for the Swiggy HDFC Bank Credit Card usually takes a few weeks. If you are approved, the card will be sent to you in the mail.
Frequently Asked Questions about Swiggy HDFC Bank Credit Card
What is the eligibility criteria for the Swiggy HDFC Bank Credit Card?
The eligibility criteria for the Swiggy HDFC Bank Credit Card are as follows:
* Age: 21-60 years
* Income: INR 25,000 per month (salaried) or INR 6 lakhs per annum (self-employed)
* Good credit history
What are the benefits of the Swiggy HDFC Bank Credit Card?
The Swiggy HDFC Bank Credit Card offers a number of benefits, including:
* 10% cashback on Swiggy food orders, Instamart grocery deliveries, Dineout restaurants, and Swiggy Genie services (up to INR 1,500 per month)
* 5% cashback on online spending across online MCCs (up to INR 1,500 per month)
* 1% cashback on other categories
* Complimentary Swiggy One membership for 3 months
* Premium golf club access worldwide
* Free stay & dine
* Agoda discounts
* Airport lounge access
* Travel insurance
What are the fees and charges of the Swiggy HDFC Bank Credit Card?
The fees and charges of the Swiggy HDFC Bank Credit Card are as follows:
* Joining fee: INR 500
* Annual fee: INR 499
* Late payment fee: 3% of the outstanding amount
* Foreign currency transaction fee: 2.5%
* Cash advance fee: 2.5% of the amount withdrawn, plus a processing fee of INR 250
* Overdue interest: 2.95% per month
How to apply for the Swiggy HDFC Bank Credit Card?
You can apply for the Swiggy HDFC Bank Credit Card online or at any HDFC Bank branch. To apply online, visit the Swiggy HDFC Bank Credit Card website and fill out the application form.
What is the credit limit for the Swiggy HDFC Bank Credit Card?
The credit limit for the Swiggy HDFC Bank Credit Card will vary depending on your income and credit history. The bank will assess your eligibility and offer you a credit limit that is suitable for you.
How do I use the Swiggy HDFC Bank Credit Card?
You can use the Swiggy HDFC Bank Credit Card to make purchases at any merchant that accepts Mastercard. You can also use the card to withdraw cash from ATMs.
How do I redeem my cashback rewards?
You can redeem your cashback rewards for statement credits, gift cards, or merchandise. To redeem your rewards, you can log in to your online account or contact the bank’s customer care.
Conclusion
The Swiggy HDFC Bank Credit Card is a great way to save money on your Swiggy and Instamart orders.
With 10% cashback on Swiggy food orders, Instamart grocery deliveries, Dineout restaurants, and Swiggy Genie services (up to INR 1,500 per month), you can save a significant amount of money on your monthly expenses.
The card also offers cashback on other online spends, making it a versatile option for everyday use.
If you are looking for a credit card that can help you save money on your food and online expenses, the Swiggy HDFC Bank Credit Card is a great option to consider.
Read More About:- Credit Card, Banks, HDFC Bank
