Swiggy HDFC Credit Card: A Smart Way to Save on Online Orders

Do you love ordering food online from Swiggy? Do you also shop online frequently from various platforms? If yes, then you might be interested in the Swiggy HDFC Credit Card, a co-branded credit card that offers a number of benefits for online spenders.

The Swiggy HDFC Credit Card is a result of a partnership between Swiggy, India’s largest food delivery platform, and HDFC Bank, India’s largest private bank. The card aims to reward customers who order food or shop online regularly with cashback and other perks.

In this article, we will tell you everything you need to know about the Swiggy HDFC Credit Card, including its features, benefits, fees, charges, eligibility, and how to apply for it.

Features of Swiggy HDFC Credit Card

The Swiggy HDFC Credit Card comes with the following features:

  • 10% Cashback on Swiggy App: You can earn 10% cashback on all your spends on the Swiggy app, including food ordering, Instamart (grocery delivery), Dineout (restaurant booking), and Genie (pick up and drop service). The cashback will be credited to your Swiggy Money wallet, which you can use to pay for your future orders on Swiggy. The cashback is capped at Rs. 100 per month.
  • 5% Cashback on Online Spends: You can also earn 5% cashback on all your other online spends across various platforms, such as Amazon, Flipkart, Myntra, Zomato, Uber, BookMyShow, and more. The cashback will be credited to your Swiggy Money wallet as well. The cashback is capped at Rs. 200 per month.
  • 1% Cashback on Other Categories: You can earn 1% cashback on all your other spends that are not covered by the above two categories, such as offline purchases, fuel, utilities, etc. The cashback will be credited to your Swiggy Money wallet as well. There is no cap on this category of cashback.
  • Complimentary Swiggy One Membership: You can enjoy a complimentary Swiggy One membership for 3 months on activating your card. Swiggy One is a loyalty program that offers free delivery, no surge fee, exclusive deals, and priority customer support on Swiggy orders. After 3 months, you can renew your membership by paying Rs. 149 per month or Rs. 999 per year.
  • Zero Lost Card Liability: If you lose your card or it gets stolen, you can report it immediately to the HDFC Bank customer care and get it blocked. You will not be liable for any fraudulent transactions made on your card after reporting it.
  • Interest-Free Credit Period: You can enjoy up to 50 days of interest-free credit period on your card from the date of purchase (subject to the submission of the charge by the merchant).
  • Revolving Credit: You can pay only the minimum amount due on your card and carry forward the balance to the next billing cycle at a nominal interest rate.

Benefits of Swiggy HDFC Credit Card

The Swiggy HDFC Credit Card offers the following benefits:

  • Save up to 6.8% Annually: According to HDFC Bank, you can save up to 6.8% annually on your spends of Rs. 2,10,000 with the Swiggy HDFC Credit Card. This is based on the assumption that you spend Rs. 5,000 per month on Swiggy app, Rs. 10,000 per month on other online platforms, and Rs. 5,000 per month on other categories.
  • Enjoy Exclusive Offers and Discounts: You can also enjoy exclusive offers and discounts from various partner platforms of Swiggy and HDFC Bank. For instance, you can get up to 50% off on dining out with Dineout Pay, up to 40% off on movie tickets with BookMyShow, up to 15% off on flight bookings with MakeMyTrip, and more.
  • Access to HDFC Bank Services: You can also access various HDFC Bank services with your card, such as SmartPay (automatic bill payment), NetBanking (online banking), PhoneBanking (telephonic banking), MobileBanking (mobile app banking), PayZapp (digital wallet), and Fastag (electronic toll collection).

Fees and Charges of Swiggy HDFC Credit Card

The Swiggy HDFC Credit Card has the following fees and charges:

  • Joining Fee: Rs. 500 + GST
  • Renewal Fee: Rs. 500 + GST (waived if annual spends exceed Rs. 50,000)
  • Interest Rate: 3.49% per month (41.88% per annum)
  • Cash Advance Fee: 2.5% of the amount withdrawn or Rs. 500, whichever is higher
  • Late Payment Fee: Rs. 100 to Rs. 950, depending on the outstanding balance
  • Overlimit Fee: 2.5% of the overlimit amount or Rs. 500, whichever is higher
  • Cheque Return Fee: Rs. 550 per cheque
  • Foreign Currency Markup Fee: 3.5% of the transaction amount

Eligibility and Documents Required for Swiggy HDFC Credit Card

The eligibility and documents required for the Swiggy HDFC Credit Card are as follows:

  • Eligibility: You should be an Indian resident and above 21 years of age. You should also have a good credit score and a stable source of income.
  • Documents Required: You will need to submit the following documents along with your application form:
    • Identity Proof: PAN card, Aadhaar card, passport, driving license, voter ID, etc.
    • Address Proof: Aadhaar card, passport, driving license, voter ID, utility bill, bank statement, etc.
    • Income Proof: Salary slip, income tax return, bank statement, etc.

How to Apply for Swiggy HDFC Credit Card

You can apply for the Swiggy HDFC Credit Card online or offline by following these steps:

  • Online: You can visit the HDFC Bank website or the Swiggy app2 and fill in the online application form with your personal and professional details. You will also need to upload the scanned copies of your documents and submit the form. You will receive an instant approval or rejection based on your eligibility. If approved, you will receive your card within 7 to 10 working days.
  • Offline: You can visit the nearest HDFC Bank branch or Swiggy outlet and fill in the physical application form with your personal and professional details. You will also need to submit the photocopies of your documents along with the form. You will receive an approval or rejection within a few days based on your eligibility. If approved, you will receive your card within 7 to 10 working days.

FAQs on Swiggy HDFC Credit Card

Here are some frequently asked questions on the Swiggy HDFC Credit Card:

Q1: How can I redeem my cashback on Swiggy HDFC Credit Card?

A1: You can redeem your cashback on Swiggy HDFC Credit Card by using your Swiggy Money wallet to pay for your orders on Swiggy app. The cashback will be automatically deducted from your wallet balance at the time of payment.

Q2: How can I check my cashback balance on Swiggy HDFC Credit Card?

A2: You can check your cashback balance on Swiggy HDFC Credit Card by logging into your Swiggy app and going to the Swiggy Money section. You will see your wallet balance and cashback details there.

Q3: How can I activate my Swiggy One membership on Swiggy HDFC Credit Card?

A3: You can activate your Swiggy One membership on Swiggy HDFC Credit Card by linking your card with your Swiggy app within 30 days of receiving it. To link your card, you need to go to the credit card page in the Swiggy app and enter your mobile number that you submitted in the credit card application. You will receive an OTP to verify your number and complete the linking process.

Q4: How can I pay my Swiggy HDFC Credit Card bill?

A4: You can pay your Swiggy HDFC Credit Card bill by using any of the following methods: – NetBanking: You can log into your HDFC Bank NetBanking account and pay your bill online. – PhoneBanking: You can call the HDFC Bank customer care number and pay your bill through IVR or customer executive. – MobileBanking: You can use the HDFC Bank MobileBanking app or PayZapp app to pay your bill online. – Cheque or Cash: You can visit the nearest HDFC Bank branch or ATM and deposit a cheque or cash towards your bill payment.

Q5: How can I contact the customer care for any queries or complaints regarding my Swiggy HDFC Credit Card?

A5: You can contact the customer care for any queries or complaints regarding your Swiggy HDFC Credit Card by using any of the following methods: – Toll-Free Number: You can call the toll-free number 1800-266-4332 from any landline or mobile phone. – Email: You can write an email to customerservices

Related Posts

Leave a Reply

Your email address will not be published. Required fields are marked *