HDFC Bank Swiggy Credit Card

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HDFC Bank Swiggy Credit Card

(4.6/5)

Best For: Cashback,Grocery,Online Food Order

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The **HDFC Bank Swiggy Credit Card** isn’t just for food lovers—it’s a smart choice for anyone looking to maximize savings on everyday expenses. While the card does offer exclusive benefits for Swiggy users, its real advantage lies in the high cashback on routine household spending like groceries, utilities, and online shopping. With straightforward cashback rewards across a wide range of categories, this card helps you save without the hassle of tracking points or rewards. In this review, we’ll explore how the HDFC Bank Swiggy Credit Card can benefit your day-to-day spending and why it stands out as a top cashback option.

Features and Benefits

Features and benefits available in this credit card

Cashback

Reward Points

Airmiles

Airport Lounge

Utility Bills

Insurance

NPS

Education

Government Payment

Fuel

Rent

Giftcards

Jewellery

Wallet Load

Rewards on EMI

Welcome Bonus

Travel

Dining

Shopping

Interest

Welcome Benefits

3-Months Swiggy One Membership on doing any one transaction using the Swiggy Credit Card within 30 days of Card issuance. If you already hold an active membership of Swiggy One, it will be extended by 3 months,

Renewal Benefits

No renewal benefits

Cashback & Rewards

10% Cashback on Swiggy Food Orders, Swiggy Instamart, Swiggy Dineout payments to restaurants and Swiggy Genie upto Rs.1500 per monthly billing cycle
5% Cashback on online transactions done on Apparels, Electronics, Department Stores, Online Pet Stores and Supplies, Home Décor, Personal Care, Local Cabs, Entertainment, Pharmacies, Discount Stores (Flipkart, Amazon, Myntra, Ajio, Meesho etc.) upto Rs.1500 per monthly billing cycle
1% Cashback on Other Spend upto Rs.500 per monthly billing cycle

Lifestyle Benefits

Birthday Offer: Additional 10% discount on Swiggy Dineout upto Rs.500 on minimum order value of Rs. 2000. This is over and
above 10% cashback on Swiggy Dineout using the card. The offer is applicable for a duration of 21 days around birthday (2 weeks prior and 1 week after the birthday). Click on “Claim now” button on Swiggy app main page or Dineout page on Birthday related communication. Apply the coupon “SWIGGYCARDBDAY” and make payment using HDFC Swiggy Credit Card.
Golf
- Access to golf courses worldwide and 12 free lessons per year
- 4 complimentary rounds of green fees per calendar year
- Discounted golf services at 50% of the green fee beyond complimentary sessions

Fuel Surcharge Waiver

No mention of fuel surcharge waiver in card feature

Forex Mark-up Charges

3.5% + GST (4.13%) Forex Mark-up charges on payment in foreign currency
1% Dynamic Currency Conversion Charges on payment to foreign merchant in INR

Reward Redemption

Cashback is automatically credited to statement of the credit card. No manual step required.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Joining fee
(INR including GST)

₹ 590

Renewal fee
(INR including GST)

₹ 590

Annual Spend Target
for Renewal Fee Waiver (INR)

₹ 200000

Pros

Aspects that make this credit card amazing.

Real cashback at very high rate which is automatically credited into credit card’s statement.
Majority of spend categories are covered with 5% and 10% cashback categories.
Free Golf games and golf lessons in an entry level credit card are unheard of.
Very low Joining and Renewal Fee considering the cashback rates and golf benefits
For renewal fee waiver, all kind of spends including government spend, insurance, NPS etc. are considered without any exclusion. Only cash-withdrawal using credit card through any ATM is not considered.
Very low eligibility criteria. With just Rs.15,000 per month net salary, you can get this credit card.
HDFC credit cards are available at large number of pinches, even is very small towns.

Cons

Aspects this credit card lacks.

Separate cashback limits of each of the cashback rates (such as 10% cashback, 5% cashback, 1% cashback) make this card complicated. A overall cashback limit across the categories would have been simpler to understand and manage,
Zero cashback on spend done on any other grocery app/of website other than Swiggy Instamart.
Payment done on any other food ordering app or Restaurent payment app will earn just 1% cashback.
Only 1% Cashback on travel related spend (Flights, Hotels, bus etc.)
Not eligible for instant discount offers of HDFC Bank in sales

Spend Categories with No Cashback / Rewards

No cashback on following

Wallet
Rent
Government related transactions
Fuel
Jewellery
EMI (all type)
Cash advances, Purchase of travelers’ cheques
Purchase of foreign currency and fees
Interest charge and penalties
Insurance
Gift card and grocery purchased on the 5% cashback eligible merchants do not earn any cashback
No cashback on transactions done on Swiggy Money Wallet, Swiggy Liquor and Swiggy Minis

Add-on Cards

Upto 3 Add-on Cards can be applied free of cost for family members who are more than 18 years old (spouse, parents, siblings, children)

Eligibility Criteria

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

Important Links

For details about free Golf Games with Swiggy Credit Card visit this link: Mastercard World India Golf Program

Upcoming Changes

N/A

Rating & Reviews

(4.6/5)

This is the truth, the whole truth, and nothing but the truth; brought to you SpendWisely backed by its expertise and expertise in the area of credit cards

Reward Value

(5)

Lifestyle Benefits

(4)

Ease of Reward Redemption

(5)

Value for Money

(5)

Customer Service

(4)

Domestic Airport Lounge Access

Not Available

International Airport Lounge Access

Not Available

Airport Spa Access

Not Available

Airport Meet & Greet Service

Not Available

Railway Lounge

Not Available

Movie Tickets

Not Available

Dining Benefit

Not Available

Golf

Not Available