Introducing the Swiggy HDFC Bank Credit Card—a must-have for foodies and online shoppers! As Swiggy’s first co-branded credit card with HDFC Bank, it offers incredible rewards to enhance your lifestyle. Enjoy 10% cashback on Swiggy spends, including food orders, Instamart groceries, and Dineout bookings, making every meal or grocery run more rewarding. Additionally, benefit from 5% cashback on online shopping at leading platforms like Amazon, Flipkart, and more, helping you save big on everyday purchases.
With potential savings of up to ₹42,000 annually, this card is designed to provide maximum value for frequent users. As a bonus, new cardholders also receive a complimentary 3-month Swiggy One membership, unlocking free deliveries, exclusive discounts, and premium benefits across the Swiggy platform. Whether you’re a loyal Swiggy customer or an avid online shopper, this credit card is the perfect companion to make every transaction more rewarding. Apply now and start enjoying these exciting benefits!
Table of Contents
Overview
| Type | Cashback |
| Reward Rate | 1% – 10% |
| Joining Fee | 500 + GST (~₹590) |
| Renewal Fee | 500 + GST (~₹590) |
| Best Suited For | Food | Swiggy Instamart |
The Swiggy HDFC Bank Credit Card offers 10% cashback on Swiggy spends and 5% cashback on online shopping. Enjoy added perks with a complimentary 3-month Swiggy One membership!
Swiggy HDFC Bank Credit Card Eligibility
For Salaried Indian national
Age: Min 21 years & Max 60 Years
Net Monthly Income > Rs.15,000
For Self Employed Indian national
Age: Min 21 years & Max 65 Years
ITR > Rs 6 Lakhs per annum
Fees & Charges
| Joining Fee | Rs 500+GST (~₹590) |
| Welcome Gift | 3 months Swiggy One membership |
| Annual Fee | Rs 500+GST (~₹590) |
| Renewal Benefit | None |
| Annual Fee Waiver | On spends of Rs 2 Lakh in a membership year |
Benefits
Joining Benefits: Activate your Swiggy HDFC Bank Credit Card and unlock a complimentary 3-month Swiggy One membership as a welcome benefit. Already a member? No worries—you can extend your membership for an additional 3 months! To activate your card in compliance with the latest RBI regulations, simply complete a successful transaction using your credit card and start enjoying exclusive perks right away.
Rewards
10% Cashback
Earn 10% cashback on all purchases made through the Swiggy app, including food orders, Instamart, Dineout, and Genie. You can earn up to ₹1500 cashback per billing cycle. Please note that cashback is not applicable on transactions made via Swiggy Money Wallet, Swiggy Minis, or Swiggy Liquor. Additionally, transactions under ₹100 do not qualify for cashback.
5% Cashback
Earn 5% cashback on online purchases made with your Swiggy HDFC Bank Credit Card at popular brands on 1000s of platforms like Flipkart, Amazon, and more. Enjoy cashback on a wide range of categories including apparel, electronics, entertainment, cabs, personal care and discount stores. You can earn up to ₹1500 cashback per billing cycle.
1% Cashback
Earn 1% cashback is applicable on all other spends like POS swipe upto ₹500.
Note: No Cashback for Fuel, Wallet, Rent, EMI, Jewellery, and Government transactions.
Cashback Redemption
Previously, cashback earned on the Swiggy HDFC Bank Credit Card was credited as Swiggy Money, which could only be redeemed on the Swiggy platform. However, from 21st June onwards, cashback will now be directly applied to your credit card statement in the following month. This update has significantly boosted the card’s popularity, offering more flexibility and convenience to cardholders.
Airport Lounge Access
The Swiggy HDFC Credit Card does not provide complimentary airport lounge access. This benefit is not included within the card’s rewards program.
How to Apply
you can easily apply for this card online through Swiggy App or the official HDFC Bank website. The application will be processed following successful completion of your Know Your Customer (KYC) verification. There are two ways to complete the KYC verification
- Video Mode: To complete your application, provide your PAN and Aadhar card details. An HDFC Bank representative will then contact you for a video call where you’ll answer a few simple questions and show them your original PAN card for verification.
- Offline Mode: If you select offline KYC verification, a bank official will visit your address to verify your documents after you apply for the credit card.
Steps to Link Your Card to Swiggy App
Follow these simple steps to link your Swiggy HDFC Bank Credit Card to the Swiggy app:
- Open the Swiggy app and go to the “Accounts” section located at the top-right corner of the screen.
- Apply for the lifetime-free credit card if you haven’t already, then proceed to the Credit Card page.
- Select the Swiggy HDFC Bank Credit Card option.
- Scroll down to the bottom of the page and click on “Already Got the Card?”.
- Click on “Link your Card to Swiggy”.
- Enter the mobile number registered with your credit card.
- Enter the OTP sent to your mobile number for authentication.
- Once verified, your credit card will be successfully linked to your Swiggy app.
Enjoy the convenience of using your card for seamless transactions and cashback rewards!
Swiggy HDFC Credit Card Review
For the first time, Swiggy has introduced a co-branded credit card in collaboration with HDFC Bank. The Swiggy HDFC Bank Credit Card is available with a ₹500 joining fee, making it an ideal choice for dedicated Swiggy customers. This card offers 10% cashback on all Swiggy-related purchases, including food orders, Instamart, and Dineout, as well as 5% cashback on purchases from top brands. Plus, you’ll receive a complimentary 3-month Swiggy One membership worth ₹1199 as a welcome gift.
You can apply for the card through the Swiggy app or directly via HDFC Bank. The card is part of the Mastercard network, providing access to exclusive World Tier Mastercard benefits at leading brands and various locations worldwide. If you’re a regular Swiggy user and want to enjoy extra savings on dining and shopping, the Swiggy HDFC Bank Credit Card is a great option. Additionally, it offers discounts at many other popular brands. We’d love to hear your feedback on this newly launched credit card in the comments!
