Swiggy Hdfc Bank Credit Card

The Swiggy HDFC Credit Card has become one of the most popular cashback credit cards in India, even surpassing the success of the veteran HDFC Millennia card.

Swiggy, a leading online food ordering platform in India, has launched this co-branded credit card in collaboration with HDFC. It is a cashback card that comes with a very low annual fee of ₹500 + GST (~₹590), considering the numerous benefits it offers. Even this fee is not wasted as cardholders would get a free Swiggy One membership for three months.

With the Swiggy HDFC Credit Card, users can earn 10% cashback on purchases made through Swiggy, including Dineout, Genie, and Instamart. This means that you can not only order food but also buy groceries and enjoy significant discounts on dining out. If you are a frequent Swiggy customer who regularly orders food online, this card could be an excellent option for you, potentially saving you up to ₹42,000 annually.

Swiggy is the only online food ordering service currently offering a co-branded credit card. Continue reading to learn more about the Swiggy HDFC co-branded credit card, including its features, fees, and other important details.

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Swiggy Hdfc Bank Credit Card

Joining Fee

Rs. 0 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Cashback

Reward Type

Reward Points

Welcome Benefits

Complimentary 3-Month Swiggy One Membership

reward and benefits +

Movie & Dining

Up to 20% discount at partner restaurants with complimentary Swiggy Dineout

Rewards Rate

10% Cashback across Swiggy app, 5% Cashback on online spends, 1% Cashback on other categories

Reward Redemption

Cashback Against Credit Card Statement

Travel

Upto 5% cashback on merchants like Uber and Ola

Domestic Lounge Access

NA


free & charges +

Spend Based Waiver

Annual Charges Waived on Spend of ₹2 Lakh

Rewards Redemption Fee

Nil

Foreign Currency Markup

3.5% + GST

Interest Rates

3.75% Per Month or 45% Per Annum

Fuel Surcharge

N/A

Cash Advance Charges

2.5% or ₹500, Whichever is Higher

product details +

  • Complimentary 3-Month Swiggy One Membership as a welcome benefit.
  • 10% Cashback across the Swiggy app.
  • 5% Cashback on online spends across top brands.
  • 1% Cashback on other spends.



pros / cons +

Pros

  • Get 10% cashback on all your Swiggy food delivery orders, including Genie and Instamart.
  • Up to ₹1,500 cashback per month across major online shopping platforms.
  • For food enthusiasts, a complimentary Swiggy One membership for three months is extremely beneficial.

Cons

  • Although this card offers great benefits on food, it could have included additional perks such as free airport lounge access.