Swiggy Credit Card – Cashback, Rewards & Benefits

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:
 

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:
 

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:
 

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.

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:
 

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:
 

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:
 

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:

1. Go to the Swiggy app or the HDFC Bank website credit card section.
    
2. Fill in personal and financial details.
    
3. Submit required KYC and income documents.
    
4. 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.

Apply for Loans Fast and Hassle-Free

Apply Now

About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.