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Key Takeaways
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.
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:
The above-mentioned highlights make the card a practical choice for individuals who want simple cashback savings along with lifestyle perks.
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:
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.
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:
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:
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.
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:
*T&C Apply
2.5% of the withdrawn amount or a minimum of ₹500 (whichever is higher).
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.
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:
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.
To apply for the Swiggy HDFC Bank Credit Card, applicants must meet certain criteria. You need to fulfil the following eligibility criteria:
If you fulfil the above-mentioned requirements, then you can get faster approval and access to premium benefits without delays.
To apply for the Swiggy HDFC Bank Credit Card, you must provide basic KYC details and documents. These include the following documents:
You must make sure that you are providing accurate and updated documents to avoid unnecessary delays.
The application process for the Swiggy HDFC Bank Credit Card is straightforward and hassle-free. You just need to follow these steps:
If you follow these steps, then you can submit your application easily and get faster access to the benefits.
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.
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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