4.5 Rating • HDFC Bank Bank

Swiggy HDFC Bank Credit Card

Premium Category Reward Points
Reward Rate
Up to 3%
Annual Fee
₹500
Premium General
Processing: 7-10 days
100% Secure
HDFC Bank BANK
Swiggy HDFC
VISA
•••• •••• •••• 1234
VALID THRU
12/28
CARDHOLDER
YOUR NAME

Card Summary

Are you a foodie whose go-to app for ordering anything is Swiggy? Well, the Swiggy HDFC Bank Credit Card can be the right choice for you! With this card, you can enjoy 10% cashback on Swiggy spends like food ordering, Instamart, Dineout & Genie, 5% cashback on online spending, and 1% cashback on offline spending and other food, grocery & dining apps. Moreover, you get a free 3-month Swiggy membership as a welcome bonus, 12 free golf accesses, a 12% instant discount on worldwide hotels on Agoda, and much more! Keep reading to know more! 👇

Quick Overview

Joining&annualfee ₹500 \+ taxes
Bestfor Swiggy Users
Welcomebonus Free 3 month Swiggy One membership worth ₹1199
Cardnetwork Mastercard
Cardtype Co-branded

Expert Review

The Swiggy HDFC Credit Card is a great option for users who frequently order food or shop online, especially on the Swiggy platform. The card offers several attractive benefits, including a high cashback rate on Swiggy spends, a 5% cashback on other online purchases, and a complimentary Swiggy One membership, which can provide significant savings and added perks for cardholders. However, it's essential to assess whether the cashback limits on various spending categories align with your spending habits. If you frequently spend a substantial amount on Swiggy or other online platforms, the cashback limits might be a bit limiting. Moreover, the card may not be the best fit if you have expenses in categories that are excluded from earning cashback, such as rent, utilities, fuel, insurance, EMIs, and more. Before making a decision, it's crucial to evaluate whether your spending aligns with the eligible cashback categories.

Key Features

The Swiggy HDFC Credit Card is a great option for users who frequently order food or shop online, especially on the Swiggy platform. The card offers several attractive benefits, including a high cashback rate on Swiggy spends, a 5% cashback on other online purchases, and a complimentary Swiggy One m...

Key Highlights

Reward Rate

Up to 3%

Annual Fee

₹500

Rating

4.5/5

Category

Premium

Fuel Benefits

1% Fuel Surcharge Waiver

Available at all fuel stations across India

• Min transaction: ₹400 • Max transaction: ₹5,000 • Max waiver: ₹500 per statement cycle

Zero Lost Card Liability

Complete Protection Against Fraud

In the unfortunate event of losing your card, report it immediately to our 24-hour call centre and you have zero liability on any fraudulent transactions made on your Credit Card.

Advantages

Premium golf club access worldwide with Mastercard network.

Limitations

No cashback on Fuel, Rent, Jewellery, Govt. spends, EMI & Wallet.

No fuel surcharge waiver.

Capping on cashbacks limit.

Cashback will be deposited as Swiggy Money and can be used only on Swiggy.

Fee and Charges

Joining Fee

₹500

Annual Fee

₹500

APR

43.20%

Charge Type Amount
Add-on Card Fee Free
Cash Withdrawal Fee 2.5%
Card Replacement Fee ₹100
Foreign Transaction Fee 3.50%
Over Limit Penalty 2.50%
Fuel Transaction Surcharge 1%
Minimum Repayment Amount 5%

Late Payment Charges

Outstanding Balance Late Fee
₹100 to ₹500 ₹100
₹501 to ₹5,000 ₹500
₹5,001 to ₹10,000 ₹600
₹10,001 to ₹25,000 ₹800
₹25,001 to ₹50,000 ₹1100
More than ₹50,000 ₹1300

Reward Points Structure

Rewards Category Rate Eligibility
Dining & Entertainment 4X Restaurants, movies, entertainment venues
Travel & Hotels 4X Airlines, hotels, travel bookings
Online Shopping 2X E-commerce platforms and online merchants
All Other Spends 1X General purchases and transactions

Partner Merchants:

Online Merchants
Fuel Stations
Restaurants
Airlines

Who Should Opt for This Card?

Premium Service Seekers

Ideal for those who value premium services and exclusive benefits

How to Apply

1

Visit the HDFC Bank website or nearest branch

2

Navigate to the credit cards section

3

Select the desired credit card

4

Click on "Apply Now" and fill the application form

5

Upload required documents (identity, address, income proof)

6

Submit the application and wait for verification

7

Receive your credit card upon approval

Processing Time

7-10 days

Eligibility Criteria

Age: 21-60 years

Residency: Indian resident

Income: Stable income required

Documents Required

Proof of Identity

PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof. *

Proof of Address

Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof. * roof of Income: Latest one or two salary slips (not more than three months old), latest Form 16, and the last 3 months’ bank statement. 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>

Proof of Income

Salary Slips, Form 16, Bank Statements, IT Returns

Expert Review

Charges
4/5
Rewards
4/5
Customer Service
4/5

Detailed Analysis

The Swiggy HDFC Bank Credit Card stands out as a premium choice for those seeking a credit card with excellent rewards and benefits. With Up to 3% rewards on eligible spends, it makes a compelling option for premium enthusiasts.

The card's comprehensive insurance coverage and lounge access benefits offer added value and convenience for cardholders.

While the card offers numerous advantages, it is essential to consider the annual fee of ₹500 and other associated charges. These factors should be weighed against the benefits offered.

Overall, the Swiggy HDFC Bank Credit Card is a great option for those who want a premium credit card with excellent rewards and premium benefits. If you are looking for a card that offers good value for money, this is worth considering.

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Quick Stats

Bank HDFC Bank
Category Premium
Rating 4.5
Reward Type Reward Points

Best Suited For

Premium
General

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