Swiggy HDFC Bank Credit Card

Today, we want to address all the foodies out there who love to eat using Swiggy on a daily basis. The Swiggy HDFC Credit Card is made for the people who are frequent customers of Swiggy, as this credit card will help them save a good sum of money, even up to Rs. 42,000. Let us look in detail about the Swiggy HDFC Bank Credit Card and see what are all the benefits that it provides its card holders.

Fees and Charges

• Free Renewal if You Spend a Lot: If you spend Rs. 2 lakhs in a year, you don’t have to pay for renewing your Swiggy HDFC Bank Credit Card!
• Extra Charge for Foreign Money: If you buy stuff in other countries, there’s an extra 3.5% charge on the total amount.
• Interest Rates are Kinda High: If you don’t pay back on time, you’ll have to pay 3.6% extra every month or 43.2% extra in a year.
• Cash Advance Fees: If you take out cash with your card, you’ll pay 2.5% of the amount or Rs. 500, whichever is more.

Swiggy HDFC Bank Credit Card Details

• Free 3-Month Swiggy One Membership: When you get the card, you get a free 3-month Swiggy One membership. That’s awesome!
• 10% Cashback on Swiggy App: You get 10% cashback when you buy stuff on the Swiggy app. Sweet deal!
• 5% Cashback on Top Brands: If you buy things online from popular brands, you get 5% cashback. Nice!
• 1% Cashback on Other Stuff: For other things you buy, you get 1% cashback. Every little bit helps!

Advantages and Disadvantages of Swiggy HDFC Bank Credit Card

Advantages

• 10% Cashback on Swiggy Orders: Get 10% cashback on all your Swiggy food delivery orders, including Genie and Instamart. Yummy savings!
• Up to ₹1,500 Cashback for Online Shopping: You can get up to ₹1,500 cashback every month when you shop online at major sites. Wow, that’s a lot!
• Free 3-Month Swiggy One Membership: If you love food, you get a free Swiggy One membership for three months. That’s super cool!

Disadvantages

• No Free Airport Lounge Access: Even though this card is great for food stuff, it doesn’t have extra perks like free access to airport lounges. That’s a bummer!

Benefits of Swiggy HDFC Bank Credit Card

• Welcome Benefit: When you get the card, you get a free 3-month Swiggy One membership. If you already have it, you can add another 3 months. Just activate your card by making a purchase, setting up the PIN, or enabling online and international transactions.
• 10% Cashback on Swiggy: You get 10% cashback on all your Swiggy orders, including food, Instamart, Dineout, and Genie. You can earn up to ₹1500 every month, but no cashback on Swiggy Money Wallet, Swiggy Minis, or Swiggy Liquor. Also, no cashback if you spend less than ₹100.
• 5% Cashback on Online Spends: Get 5% cashback on online purchases at top brands like Nykaa, Amazon, and more. You can earn up to ₹1500 per month, but no cashback on gift cards and groceries.
• 1% Cashback on Other Spends: For other things you buy, get 1% cashback, with a maximum of ₹500 per month. No cashback on fuel, rent, wallet, EMI, jewelry, or government transactions.
• Earn Direct Cashback: Now, the cashback you earn goes directly to your credit card statement, not just Swiggy Money. This change makes it easier to use your cashback!
• Mastercard World Tier Benefits: With the MasterCard World Tier, you get cool perks like 12 free golf lessons, up to 12% off on Agoda, and free stays and dinners at special Mastercard places around the world.

Extra Features of Swiggy HDFC Bank Credit Card

• Interest-Free Period: You can get up to 50 days without paying interest on stuff you buy with your Swiggy HDFC Bank Credit Card. Pretty neat!
• Zero Lost Card Liability: If you lose your card or it gets stolen, you’re not responsible for any bad transactions as long as you tell the bank’s 24-hour call center right away.
• Revolving Credit: The card has a low interest rate if you need to carry a balance.
• Free Add-On Cards: You can get up to 3 extra credit cards for your family members for free.

Linking of Swiggy HDFC Bank Credit Card to Swiggy App

• Open the Swiggy App: First, open the Swiggy app and tap on “Accounts” at the top right.
• Apply for a Free Credit Card: Click on the option to apply for a lifetime free credit card. After that, you will have to go to the Credit Card page.
• Select Your Card: Find and select the Swiggy HDFC Bank Credit Card from the list.
• Link Your Card: Scroll to the bottom and find ‘Already Got the Card?’ Then, click on “Link your Card to Swiggy.”
• Enter Your Details: Type in the mobile number you used for your credit card.
• Verify with OTP: Enter the OTP you receive to confirm, and your credit card will be linked!

Eligibility Criteria of Swiggy HDFC Bank Credit Card

• Age Limits: If you have a job, you need to be between 21 and 60 years old. If you’re self-employed, you can be between 21 and 65 years old.
• Indian Citizenship: You must be an Indian citizen to apply.
• Income Requirements: You need to earn at least ₹25,000 a month if you’re salaried. If you’re self-employed, you need an ITR return of ₹6 Lakhs or more per year.
• Existing Cardholders: If you already have an HDFC Credit Card, you can apply for this one too!

Documentation Needed for Swiggy HDFC Bank Credit Card

• Keep These Documents Ready: To apply, have these ready: identity proof and address proof.
• Identity and Address Proof Options: You can use any of these documents:
  • Aadhar card
  • Valid passport
  • Valid driver’s license
  • Election/Voter Card from the Election Commission of India
  • Job card from NREGA signed by a State Government officer

Application Process for Swiggy HDFC Bank Credit Card

1. Apply Through HDFC Bank: You can apply for the card by contacting HDFC Bank, either in person or online.
2. Apply Via the Swiggy App: You can also apply directly through the Swiggy app by clicking on the account section.

FAQs