The Swiggy HDFC Credit Card is designed for frequent Swiggy users and online shoppers, offering a variety of appealing features. Cardholders earn 10% cashback on Swiggy’s Food, Instamart, Dineout, and Genie services, 5% on eligible online spending, and 1% on other purchases. With a complimentary 3-month Swiggy One membership and no joining or renewal fees, it’s a lifetime free card that delivers significant value. Enhances the dining experience with free delivery and discounts this card is an excellent choice for maximizing savings while enjoying meals and shopping online.
Swiggy HDFC Credit Card Overview
| Category | Details |
|---|---|
|
Type of Card |
Cashback Card |
|
Annual Fee |
Life Time Free |
|
Reward Rate |
1%-10% |
|
USP |
10% Cashback Across Swiggy |
|
Best Use For |
Swiggy and Online Platform |
Joining & Renewal Fees
The Swiggy HDFC Credit Card comes with a lifetime free option, so there are no joining or renewal fees to worry about. Enjoy all the fantastic perks and rewards at no extra cost, making it a convenient and smart choice for your everyday spending.
Cashback Points Earning Potential
Cashback Redemption
Your cashback is added to your Swiggy Money balance every month within 10 days of your statement date. It’s calculated for the entire statement cycle, and your cashback limit resets with each new statement.
Design & Appearance
The Swiggy HDFC Credit Card has a sleek, modern design, combining Swiggy’s vibrant orange with HDFC’s blue and red. With minimalist branding and subtle food-related elements, it feels premium with a matte or glossy finish. Designed for urban users, it offers rewards tailored to food delivery and convenience.
Foreign Currency Transaction Fee (Forex)
The Swiggy HDFC Credit card charges a 3.5% fee+ G.S.T on foreign currency transactions.
Eligibility and Application
The card is available for individuals with a monthly income of over ₹15,000 and self-employed individuals who earn at least ₹6 lakh annually, as shown on their Income Tax Returns. Applicants must be at least 21 years old and have a good credit score to qualify.
Add-On Cards
The Swiggy HDFC Credit Card allows cardholders to avail add-on cards. These add-on cards share the same benefits as the primary card, making it easier for family members to enjoy the perks.
Golf Benefits
The Swiggy HDFC Credit Card offers golf enthusiasts four complimentary rounds of green fees at select courses and twelve free golf lessons annually. Additionally, cardholders enjoy a 50% discount on extra rounds played. These benefits, alongside cashback rewards, make the card an excellent choice for dining and golfing experts.
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Frequently Asked Questions
You will receive 3 month of swiggy one membership.
You can get maximum benefits on Swiggy and eligible online spending.
Rent payments made through this credit card are not eligible for any cash back.
This card comes with lifetime free benefits.
Conclusion
The Swiggy HDFC Credit Card is ideal for food enthusiasts and online shoppers. It offers 10% cashback on Swiggy, 5% on online spending, and 1% on offline purchases, along with extra perks like golf benefits. It’s not just a practical card for everyday spending, but one you should definitely have in your wallet for maximizing rewards and savings.