- Joining fee
₹500 + GST
- Annual fee
₹500 + GST
- Best suited for
Dining, Food
- Reward type
Cashback
Rewards
- Rewards rate
10% Cashback across Swiggy app, 5% Cashback on online spends, 1% Cashback on other categories
- Welcome benefits
Complimentary 3-Month Swiggy One Membership
- Reward redemption
Cashback Against Credit Card Statement
Benefits
- Movie & dining
10% Cashback on Swiggy app including food orders, Instamart, Dineout, and more
- Travel
Upto 5% cashback on merchants like Uber and Ola
- Golf
12 Free Golf Lessons, 4 Free Rounds of Green Fees, and 50% Off on Golf Services
Fees & charges
- Spend-based waiver
Annual Charges Waived on Spend of ₹2 Lakh
- Rewards redemption fee
Nil
- Foreign currency markup
3.5% + GST
- Interest rates
3.75% Per Month or 45% Per Annum
- Cash advance charges
2.5% or ₹500, Whichever is Higher
Product highlights
- Complimentary 3-Month Swiggy One Membership as a welcome benefit.
- 10% Cashback across the Swiggy app.
- 5% Cashback on online spends across top brands.
- 1% Cashback on other spends.
Pros & cons
Pros
- Get 10% cashback on all your Swiggy food delivery orders, including Genie and Instamart.
- Up to ₹1,500 cashback per month across major online shopping platforms.
- For food enthusiasts, a complimentary Swiggy One membership for three months is extremely beneficial.
Cons
- Although this card offers great benefits on food, it could have included additional perks such as free airport lounge access.
FAQs
What is the joining and renewal fee on the Swiggy HDFC Bank credit card?
The joining and renewal fee on the Swiggy HDFC Bank credit card is ₹500 plus taxes. You can apply for the card either through the Swiggy app or through the HDFC Bank website.
Does the credit card offer Swiggy One membership?
Yes, upon activation, you can receive a complimentary Swiggy One membership as a welcome benefit. Make sure to activate your card according to the latest RBI guidelines to receive the welcome benefit. If you are already a Swiggy One member, your membership will be extended by three months.
What is the cashback rate offered by the credit card?
With the Swiggy HDFC Bank credit card, you can earn 10% cashback on your spends across Swiggy, including food orders, Dineout, Genie, and Instamart. Also, you can earn 5% cashback on online spends at many top brands, and 1% cashback on spends elsewhere. There is a ₹1500 capping per cycle on the 10% and 5% cashback categories, and ₹500 capping on the 1% category per billing cycle.
How to use the cashback earned through the credit card?
Cashback earned through this card is directly adjusted in the next credit card statement.