Introduction
Swiggy HDFC Bank Credit Card is a co-branded credit card that offers cashback and other benefits on food delivery and online shopping. It is a partnership between Swiggy, India’s largest food delivery platform, and HDFC Bank, India’s largest private bank. Here are some of the features and benefits of this card:
- You can get 10% cashback on Swiggy app for food ordering, Instamart, Dineout and Genie.
- You can get 5% cashback on online spends across online merchant category codes (MCCs). For example, you can get cashback on Amazon, Flipkart, Uber, BookMyShow and more34.
- You can get 1% cashback on other categories, such as offline spending, fuel, rent, EMI, jewellery and government related spends.
- You can enjoy a complimentary Swiggy One Membership for 3 months on card activation. This membership gives you free delivery, no surge fee, exclusive offers and more.
- You can also enjoy World Tier Mastercard benefits, such as free stay and dine, loyalty memberships, airport lounge access and more.
To apply for this card, you need to meet the eligibility criteria and pay the fees and charges as per HDFC Bank’s terms and conditions. You also need to link your card with Swiggy app to earn and redeem cashback as Swiggy Money.
APPLY FOR SWIGGY HDFC BANK CREDIT CARD
Get Free Swiggy One Membership for 3 months as Welcome Benefit
10% Cashback (Upto Rs 1500/month) on Swiggy ( Instamart, Food delivery, Genie & Dine out)
5% Cashback (Upto Rs 1500/month) on Online Shopping Spends on Amazon, Flipkart, Myntra, Nykaa & More
1% Cashback (Upto Rs 500/month) on all other categories
OTHER AMAZING OFFERS
Upto 50 days of interest-free period from the date of purchase
Leverage revolving credit facilities at nominal interest rates
Zero lost card liability waivers on fraudulent transactions and Credit Card loss, upon prompt reporting
Annual fee waiver on spending Rs 2 lakh annually
ELIGIBILITY CRITERIA
Age group: 21-60 years
Employment status: Salaried or Self-Employed
Minimum Income: Rs 25,000 per month (Salaried)
Minimum ITR: Rs 6,00,000 per annum (Self-Employed)
DOCUMENTS NEEDED
Address Proof – Aadhaar, Passport, Latest utility bills
ID proof – PAN, Voter ID, Passport
Income proof – Bank Statement, Salary Slips
FEES & LIST OF ALL CHARGES
Joining Fees: Rs 500 + GST
Annual Fees: Rs 500 + GST
Swiggy HDFC Bank Credit Card fees and charges
According to the web search results, the fees and charges of the Swiggy HDFC Bank Credit Card are as follows:
- The joining fee and the renewal fee are both Rs. 500 plus applicable taxes.
- The renewal fee can be waived off if you spend Rs. 2,00,000 or more in a year, before your credit card renewal date. However, some transactions are excluded from this criterion, such as cash on call, balance transfer, cash withdrawal, etc.
- The interest rate on the card is 3.6% per month or 43.2% per annum.
- The cash advance fee on the card is 2.5% of the amount or Rs. 500, whichever is higher.
Swiggy HDFC Bank Credit Card Eligibility Criteria
The eligibility criteria for the Swiggy HDFC Bank Credit Card are based on your age, income, credit history and nationality. According to the web search results, here are the main requirements:
- You need to be an Indian national or a Non-resident Indian (NRI).
- You need to be at least 18 years old. The maximum age limit is 60 years for salaried individuals and 65 years for self-employed individuals.
- You need to have a regular income and provide proof of the same. The minimum monthly income for salaried individuals is Rs. 25,000. The minimum annual income tax return (ITR) for self-employed individuals is Rs. 6 Lakhs.
- You need to have a good credit history and a satisfactory credit score. This shows that you can manage your credit well and repay your dues on time.
These are the general eligibility criteria for the Swiggy HDFC Bank Credit Card. However, the final approval of your application depends on HDFC Bank’s terms and conditions.
Swiggy HDFC Bank Credit Card documents required
To apply for the Swiggy HDFC Bank Credit Card, you need to submit some documents as proof of your identity and address. According to the web search results, the documents required are:
- Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
- Proof of Address: Aadhaar card, Rent Agreement, Ration Card, Passport, Latest Utility Bills or any other government-approved address proof.
You also need to provide a recent photograph along with these documents. You can apply for the card online or visit your nearest HDFC Bank branch.
Swiggy HDFC Bank Credit Card credit limit
The credit limit of the Swiggy HDFC Bank Credit Card depends on your income, credit history and HDFC Bank’s terms and conditions. The bank will determine your credit limit based on your eligibility and documents submitted. You can check your credit limit online through HDFC Bank’s NetBanking or MobileBanking services.
If you already have another HDFC Bank Credit Card, then the limit of the Swiggy HDFC Bank Credit Card will be shared between the two cards2. For example, if you have a total credit limit of Rs. 2 lakhs and you use Rs. 1.5 lakhs with your existing card, then you will have only Rs. 50,000 left for usage with the Swiggy HDFC Bank Credit Card.
You can also request for an increase or decrease in your credit limit by contacting HDFC Bank’s customer care or visiting your nearest branch. However, the final decision will be at the discretion of the bank.
Benefits of Swiggy HDFC Bank Credit Card
The Swiggy HDFC Bank Credit Card is a great choice for food lovers and online shoppers. Here are some of the benefits of this card:
- You can save money on your food orders and online purchases with the cashback feature. You can get 10% cashback on Swiggy app for food ordering, Instamart, Dineout and Genie . You can also get 5% cashback on online spends across online merchant category codes (MCCs) . For example, you can get cashback on Amazon, Flipkart, Uber, BookMyShow and more . You can also get 1% cashback on other categories , such as offline spending, fuel, rent, EMI, jewellery and government related spends. The cashback will be credited to your Swiggy Money account, which you can use to pay for your orders or transfer to your bank account .
- You can enjoy free delivery and other perks with the Swiggy One Membership. You can get a complimentary Swiggy One Membership for 3 months on card activation . This membership gives you free delivery, no surge fee, exclusive offers and more. You can also extend your membership by paying a nominal fee or by spending a certain amount on Swiggy app.
- You can access premium services and offers with the World Tier Mastercard benefits. You can enjoy free stay and dine, loyalty memberships, airport lounge access and more. You can also get discounts and deals on travel, entertainment, wellness and more.
These are some of the benefits of the Swiggy HDFC Bank Credit Card. If you want to apply for this card, you need to meet the eligibility criteria and pay the fees and charges as per HDFC Bank’s terms and conditions. You also need to link your card with Swiggy app to earn and redeem cashback as Swiggy Money.
Conclusion
The Swiggy HDFC Bank Credit Card is a co-branded credit card that offers cashback and other benefits on food delivery and online shopping. It is a partnership between Swiggy, India’s largest food delivery platform, and HDFC Bank, India’s largest private bank. By using this card, you can save money on your food orders and online purchases, enjoy free delivery and other perks with the Swiggy One Membership, and access premium services and offers with the World Tier Mastercard benefits. To apply for this card, you need to meet the eligibility criteria and pay the fees and charges as per HDFC Bank’s terms and conditions. You also need to link your card with Swiggy app to earn and redeem cashback as Swiggy Money. This card is a great choice for food lovers and online shoppers who want to get the most out of their spending.
Frequently Asked Questions (FAQs)
- What is the Swiggy HDFC Bank Credit Card?
- The Swiggy HDFC Bank Credit Card is a co-branded credit card that offers exclusive benefits and rewards for Swiggy users in partnership with HDFC Bank.
- How can I apply for the Swiggy HDFC Bank Credit Card?
- You can apply for the card through the HDFC Bank website or by visiting your nearest HDFC Bank branch.
- What are the key benefits of this credit card?
- The card offers benefits such as cashback on Swiggy orders, dining discounts, reward points, and exclusive access to Swiggy SUPER.
- Is there an annual fee for the Swiggy HDFC Bank Credit Card?
- The annual fee and other charges may vary, so it’s best to check with HDFC Bank for the most up-to-date information.
- What is Swiggy SUPER, and how does it relate to this credit card?
- Swiggy SUPER is Swiggy’s subscription program. Cardholders may get complimentary access to Swiggy SUPER, which provides benefits like free delivery and other discounts.
- How do I earn reward points with this card?
- You can earn reward points on every transaction made using the Swiggy HDFC Bank Credit Card. These points can be redeemed for various rewards.
- Can I use this credit card for non-Swiggy purchases?
- Yes, you can use the card for all types of purchases, not just on Swiggy. It’s a regular credit card with wider usability.
- What dining discounts are available with this card?
- The card may offer discounts at select partner restaurants and dining outlets. Check with HDFC Bank for the list of participating restaurants.
- Is there a limit on the cashback I can earn with this card?
- Cashback limits may apply, and they can vary depending on the terms and conditions set by HDFC Bank. Refer to the card’s terms for details.
- What are the eligibility criteria for this credit card?
- Eligibility criteria may include factors like age, income, and credit score. HDFC Bank will provide specific details on eligibility when you apply for the card.
- How can I track my credit card transactions and rewards?
- You can track your transactions, rewards, and card statements through the HDFC Bank net banking portal or mobile app.
- What should I do if my Swiggy HDFC Bank Credit Card is lost or stolen?
- In case of a lost or stolen card, contact HDFC Bank’s customer service immediately to report it and request a replacement card.
