Key Takeaways

The Swiggy Credit Card is offered by HDFC Bank. You can use this credit card like a normal card and also get several benefits related to Swiggy.
If you have a Swiggy HDFC Bank Credit Card, then you are eligible for 10% cashback on food orders, Instamart, Dineout, and Genie through the Swiggy app.
The Swiggy HDFC Bank Credit Card also has an annual fee of ₹500 (excluding applicable charges).

The Swiggy Credit Card is a co-branded credit card launched by Swiggy and HDFC Bank. The Swiggy Credit Card allows you to save on food delivery, grocery shopping, and daily online spending.

Suppose Anirudh ordered meals worth ₹3,000 from the Swiggy app and paid for fuel ₹5,000 using his Swiggy Credit Card. So, he gets total cashback around ₹350 (₹3,000 × 10% + ₹5,000 × 1%). Over a year, this could easily add up to savings of more than ₹3,000.

This makes the Swiggy Credit Card not just a payment tool but also a money saver in areas where most households spend regularly. This blog will walk you through the highlights, benefits, fees, charges, eligibility, and the application process for the Swiggy Credit Card.

Key Highlights Of The Swiggy Credit Card

The Swiggy Credit Card offers benefits that are directly linked to everyday usage. The following table lists the key highlights of the Swiggy Credit Card:

Particulars	Details
Joining Fee	₹500 + applicable charges
Renewal Fee	₹500 + applicable charges
Best Suited For	Shopping
Reward Type	Cashback
Welcome Benefits	Complimentary Swiggy one membership for 3 months.

The above-mentioned highlights make the card a practical choice for individuals who want simple cashback savings along with lifestyle perks.

Benefits Of The Swiggy Credit Card

Along with cashback, the Swiggy Credit Card also offers lifestyle, convenience, and financial flexibility benefits. The following table shows the benefits of the Swiggy Credit Card:

Benefit	Detail
Mastercard Golf Benefits	Get worldwide golf course access with 12 free lessons yearly, 4 complimentary green fee rounds, and a 50% discount on further sessions.
Contactless Payment	Enjoy quick and secure tap-to-pay transactions, with PIN not required for spends below ₹5,000.
Smart EMI Facility	Convert large purchases into easy EMIs and repay comfortably with flexible options.
Balance Transfer on EMI	Transfer outstanding balance to EMIs at 1% of the loan amount (minimum ₹250 plus GST).
Renewal Offer	Renewal fee is waived on spends of ₹2,00,000 annually, excluding cash withdrawals, transfers, and cash on call.
Zero Lost Card Liability	Report your card loss within 24 hours and stay protected with zero liability for fraudulent transactions.
Interest-Free Credit Period	Get up to 50 days of interest-free credit from the purchase date, subject to merchant submission.
Revolving Credit	Pay the minimum due and carry forward the balance at nominal interest charges.

The above-mentioned benefits make sure that you enjoy more than just cashback. The Swiggy Credit Card adds lifestyle perks, flexible repayment options, and enhanced safety. Overall, the Swiggy HDFC Bank Credit Card combines convenience with premium privileges to suit both daily and leisure spending.

Bonus Tip: Do you know that during your birthday week, you will get an extra 10% discount on Swiggy Dineout (up to ₹500) on spends above ₹3,000, in addition to cashback. This exclusive benefit applies once per cardholder.

Swiggy Credit Card Cashback & Rewards

Cashback is the main attraction of Swiggy Credit Cards. The following table highlights the rewards you will get with the Swiggy HDFC Bank Credit Card:

Reward	Details
10% Cashback on Swiggy	Earn 10% cashback on food orders, Instamart, Dineout, and Genie through the Swiggy app. Capped at ₹1,500 per month.
5% Cashback on Online Spends	Get 5% cashback on eligible online transactions across specified merchant categories. Capped at ₹1,500 per month.
1% Cashback on Other Spends	Receive 1% cashback on all other spends, except on excluded categories. Capped at ₹500 per month.
Welcome Benefit	Enjoy a complimentary Swiggy One membership for 3 months, worth ₹1,199 upon card activation.
Free Stay and Dine	Get one complimentary night stay and one free dining experience at select Mastercard partner hotels worldwide.
Agoda Discounts	Avail up to 12% instant discount on global hotel bookings through Agoda.

The table shown above gives details of the cashback and rewards tied to the Swiggy Credit Card. To explain it further, let’s take an example. The following table highlights Nikita’s spending using the Swiggy HDFC Bank Credit Card:

Benefit	Monthly Spendings	Monthly Savings
10% Cashback on Swiggy Food ordering	₹15,000	₹1,500
5% Cashback on E-shopping spends	₹30,000	₹1,500
1% Cashback on all other categories	₹50,000	₹500
Complimentary Swiggy One Membership (worth ₹1,199)	-	₹1,199
Average Savings using Swiggy One Membership	-	₹1,000
Total Savings		₹5,699

From the above-mentioned table, you can see that Nikita received ₹5,699 as cashback on spending ₹95,000 using the Swiggy HDFC Bank Credit Card.

Bonus Tip: You might be interested in knowing that cashback is not applicable on spends via Swiggy Money Wallet, Swiggy Minis, Swiggy Liquor, and other excluded categories.

Swiggy Credit Card Fees & Other Charges

The Swiggy HDFC Bank Credit Card comes with affordable charges, and many of them can be waived depending on usage. Below are the key fees applicable:

Fee or Charge Type	Details
Joining, Renewal, and Annual Fee	₹500 + applicable taxes
Renewal Fee Waiver	Renewal fee is waived if the spending reaches ₹2,00,000 in the previous year.
Finance Charges	Up to 3.75% per month (around 45% annually) on outstanding balance.
Cash Withdrawal Fee	2.5% of the withdrawn amount or a minimum of ₹500 (whichever is higher).
Overlimit Charges	2.5% of the overlimit amount or a minimum of ₹500.
Foreign Currency Mark-up	3% of the transaction value
Cash Processing Fee	₹100 (payments made by depositing in HDFC Bank branches or ATMs).

These charges are in line with HDFC Bank’s standard MITC (Most Important Terms & Conditions). The waiver option makes the card cost-effective if you use it actively.

Late Payment Fee Applicable On Swiggy Credit Card

Timely repayment is very important with credit cards. If you miss paying the bill, then you have to pay the charges depending on the due amount. The following table shows the late payment charges applicable to the Swiggy HDFC Bank Credit Card:

Outstanding Balance	Late Payment Charges (excluding GST)
Less than equal to ₹100	Nil
₹101 to ₹500	₹100
₹501 to ₹1,000	₹500
₹1,001 to ₹5,000	₹600
₹5,001 to ₹10,000	₹750
₹10,001 to ₹25,000	₹900
₹25,001 to ₹50,000	₹1,100
More than ₹50,000	₹1,300

From the above-mentioned table, you can see that the charges increase with the bill size. So, you must pay your bill on time, so you can enjoy cashback without extra cost.

Eligibility Criteria For Swiggy Credit Card

To apply for the Swiggy HDFC Bank Credit Card, applicants must meet certain criteria. You need to fulfil the following eligibility criteria:

Particulars	Salaried Individuals	Self-Employed Individuals
Age	21 years to 60 years	21 years to 65 years
Net Income	Monthly: More than ₹15,000	ITR: More than ₹6,00,000 per annum

If you fulfil the above-mentioned requirements, then you can get faster approval and access to premium benefits without delays.

Required Documents To Apply For The Swiggy Credit Card

To apply for the Swiggy HDFC Bank Credit Card, you must provide basic KYC details and documents. These include the following documents:

Proof of identity (Aadhar, Passport, Voter ID)
Proof of address (Utility bills, Passport, Aadhar)
Proof of income (Salary slips, Bank statement, IT returns)

You must make sure that you are providing accurate and updated documents to avoid unnecessary delays.

How To Apply For A Swiggy Credit Card?

The application process for the Swiggy HDFC Bank Credit Card is straightforward and hassle-free. You just need to follow these steps:

Go to the Swiggy app or the HDFC Bank website credit card section.
Fill in personal and financial details.
Submit required KYC and income documents.
Once approved, activate the card via phone banking or the HDFC NetBanking app.

If you follow these steps, then you can submit your application easily and get faster access to the benefits.

Conclusion

The Swiggy Credit Card is a good option for people who order food, buy groceries online, and spend digitally on a regular basis.

10% cashback and a free Swiggy One membership make the Swiggy HDFC Bank Credit Card a perfect fit for regular Swiggy users and online shoppers.

However, cashback is subject to exclusions and restrictions. If your expenses match the benefits of the Swiggy HDFC Bank Credit Card, it could be a wise decision.

FAQs

1. Which is better, a Tata Neu or Swiggy card?

The Tata Neu HDFC Credit Card is better for those who frequently shop on the Tata Neu app and Tata partner brands, while the Swiggy HDFC Credit Card is more rewarding for regular Swiggy users and online shoppers.

2. How to cancel the HDFC Swiggy credit card?

You can cancel the card by calling HDFC Bank’s customer care, submitting a closure request via net banking, or visiting the nearest HDFC branch.

3. What are the 4 major credit card networks?

The four major networks are Visa, Mastercard, American Express, and RuPay (India’s domestic network).

4. Does closing a credit card affect CIBIL score?

Yes. Closing a card can affect your credit utilisation ratio and average credit history, which may slightly impact your CIBIL score.

5. Which is better, Visa or Mastercard?

Both are widely accepted worldwide. The difference lies in the offers and benefits linked to each card by the issuing bank, so neither is inherently better, it depends on the specific card features.

6. How many credit cards can I have?

There is no fixed limit, but banks approve based on your income, credit history, and repayment capacity.

7. Can I cancel a credit card without paying?

No. All outstanding balances and charges must be cleared before a credit card can be cancelled.

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