Swiggy HDFC Credit Card
With 10% Cashback Swiggy HDFC Credit card, many people want to have this card. With great cashback on Swiggy and other online spending, is it really worth ?
We will review in detail of swiggy HDFC Credit Card joining and annual fee, cashback, rewards and other benefits, limitations of this card, and at the end, I will give my verdict on who should apply and who should not, so read it completely to get clarity.
Swiggy HDFC Credit Card Features
| Feature | Details |
|---|---|
| Joining Fee | ₹500 + GST (18%) |
| Annual Fee | ₹500 + GST (18%) |
| Fee Waiver | Annual Fee Waived off on Spending of 2 Lakh / Per Year |
| Base Reward Rate | 10% |
| Best Reward Categories | online shopping, dining |
| Forex Markup | 3.5% |
Swiggy HDFC Credit Card Eligibility Criteria
| Criteria | Details |
|---|---|
| Minimum Income | ₹15,000 / month |
| Employment Type | Salaried & Self Employed |
| Age Requirement | 21-65 Years |
If you’re a salaried person, then you can get this card on or above a salary of ₹15,000 / Month, but if you’re self- employed, then your annual income should be more than 6 Lakh Rupee.
Swiggy HDFC Credit Card Rewards & Benefits
| Reward Type | Details |
|---|---|
| Welcome Bonus | 3 Month Swiggy One Membership |
| Bonus Categories | Cashback Credit Card, Swiggy, HDFC Bank |
| Reward Structure |
|
| Reward Exclusions | No cashback on Fuel, Rent, EMI, Wallet, Jewellery & Government Transactions. |
Apart from the attractive cashback mentioned above, there are several other benefits also:-
- Golf Course access and 12 lessons / Year.
- Also, 4 complementary rounds of Green fees per Year After it 50% Discount.
Now Understand
How much can you save with this card:-
- 10% Cashback on Swiggy & Linked Platforms up to ₹1,500/Month, so you can save up to ₹18,000/Year on spending of ₹1.8 Lakh.
- 5% Cashback on other online spendings upto ₹1,500 / Month, so you can save up to ₹18,000 / Year on spending of ₹3.6 Lakh.
- 1% Cashback on other spending by this way you can save up to ₹6,000 / Year
Apart from it, you’ll get a Swiggy One membership and other benefits that you can calculate.
So largely you can save more than ₹40,000+ / Per year with the Swiggy HDFC Credit Card if you use for its maximum limit.
How to Apply for Swiggy HDFC Credit Card
-
Check Eligibility
If your monthly income is ₹15,000 or more , your age falls within 21-65 Years , and you are a Salaried or Self-Employed applicant , and you meet other basic requirements, you can apply for the Swiggy HDFC Credit Card by following the steps below.
-
Click Apply Now
Click the apply button below to visit the official application page. The process is secure, fully online, and can be completed in just a few minutes.
-
Fill Application Form
Enter your personal, employment, and income details accurately as per your official documents.
-
Submit Documents
Upload PAN, Aadhaar, address proof, and income proof if requested during the application.
-
Approval & Delivery
Once approved, your credit card will be dispatched and delivered to your registered address.
Pros & Cons
Pros
- Best for Swiggy Instamart Users (10% Cashback).
- Also 5% on other online spending that makes more attractive.
- Golf Course access.
Cons
- High Forex Markup (3.5%)
- No any Lounge Access.
- Cashback limit cap.
- No Fuel surcharge waiver.
Our Verdict
After the complete review, we can say that this card is very clear about what gives and what does not. If you’re Foodie and a regular user of Swiggy, Instamart, Genie & Dineout (10% Cashback), then it will be a great deal for you. Moreover, 5% on other online spending makes this card a good cashback credit card, not just limits itself.
So, to get the highest cashback from these platforms, it is a good option because this card focuses on its purpose of cashback on Swiggy & online spending, which is why it has no lounge access, fuel surcharge waiver, etc., so if you want that also from the same card, then you can find other Cashback Cards also.
