Swiggy HDFC Bank Credit Card
Swiggy HDFC Bank Credit Card is a co-branded credit card partnership with HDFC Bank. After the launch of this credit card it has become so popular that is surpasses HDFC Millennia Credit Card. This card comes with nominal Joining/Annual fee which can be compensate by swiggy one premium membership. This card offer 10% cashback on all platform of swiggy that is food delivery, Instamart, Dineout ,suppose you have monthly expenditure of 15k on swiggy you can get ₹18000 cashback annually which is amazing apart from this who are not familiar with swiggy still you get 5% cashback on online spend almost every categories which is there in day to day life. Overall this credit card is amazing with cashback features it have. Let’s read in details about this credit card.
JOINING FEE
RS. 500+GST
RENEWAL FEE
RS. 500+GST
REWARDS &CASHBACK
10% Cashback on Swiggy app and 5% Cashback on online spends, 1% Cashback on other categories. Complimentary Swiggy one membership for 3 Months.
Welcome Benefits
- By Activating the card you will get complimentary 3 month Swiggy One Membership for 3 month as welcome benefits. Swiggy one membership is a premium membership program which gives lots of benefits to the swiggy users. It gives exclusive discount of select restaurant, unlimited free delivery, benefits accross the restaurant, Instamart and Gene order on swiggy.
Key Features
- You will get 10% cashback accross swiggy on online food order, Instamart, Dineout and Gene. You can earn maximum cashback of ₹1500 in a billing cycle and no cashback on Swiggy Money Wallet, Swiggy Liquor, Swiggy Minis also transaction less than ₹100.
- You will get 5% cashback on online spends on brands like, Ola, Uber, Amazon, Flipkart, Meesho, Nykaa, Ajio and many more. The category will Apparels, Department Store, Electronics, Home Decor, Entertainment, Pharmacies, Personal Care, Local Cabs, Online pet store and Discount stores.
- Get 1% cashback on all other spends except Fuel, Rent, EMI, Wallet, Jewellery, Government Related transaction.
Other Benefits
Mastercard Golf Benefits
- You will get access to golf courses worldwide and 12 free lesson per year.
- You will get 4 complimentary round of Green fee in a calendar year and you will get discount upto 50% beyond complimentary session.
Indigo Bluechip
- You will get 1 Indigo bluechip on every ₹100 spent on Swiggy platform that is Food delivery, Dineout, Instamart. This is an additional offer with Swiggy and Indigo.
Spend Based Waiver
- The annual fee of Rs.500 is waived off if you have spent Rs. 2 lakh in previous year.
Fees & Charges
Foreign Currency Markup
- The card come with high foreign currency markup fee that is 3.5% of total transaction amount. So if you are looking of any international travel & transaction credit card you can choose other cards that have zero or very less markup fee.
Finance Charges & Cash withdrawal Fee
- Interest rate is 3.75% per month that is 55.55% per annum.
- Cash withdawal fee is min Rs.500 upto 2.5% of cash withdrawal amount.
- Pros & Cons
Pros
- 10% cashback on Swiggy (Food Delivery, Instamart, Dineout).
- 5% cashback on online spend covering almost entire day to day categories.
- 4 complimentary Green fee in a year.
Cons
- No complimentary lounge access benefits.
- Capping on Cashback
- Swiggy One membership is only for 3 month after that you have to buy for ₹99+GST for 3 month.
- Final Thoughts
Swiggy HDFC Bank Credit Card is an excellent credit card for daily expenses. You get 10% cashback on all platform of swiggy so if you order your grocery from swiggy which cost 15k you will get cashback of ₹1500 every month which is amazing, also if you spend on online you will get 5% cashback upto ₹1500 every month and 1% cashback upto ₹500 on all other expenses except some few, so you can earn total monthly cashback upto ₹3500, but to get this much amount of cashback you need to spend around 1lakh so for those who is high spender they can go for high rewarding card but for middle class people who spend 25k to 30k a month should definitely get this card which can save a lot. Overall this credit card is great choice what do you think about swiggy HDFC Bank Credit Card please let us know.
- Frequently Asked Questions
Can I get another HDFC Credit card if already have one?
Yes, you can get another credit card of HDFC Bank although you already have one.
Do I get both complimentary Domestic & International lounge access?
No Swiggy HDFC Bank Credit Card does not offer any lounge access.
Does Swiggy HDFC Bank Credit Card have spend based annual fee waiver?
Yes the annual fee is waived off on spending Rs. 2lakh in previous year.
How much Fuel surcharge waiver in Swiggy HDFC Bank Credit Card?
There is no Fuel surcharge waiver in Swiggy HDFC Bank Credit.