Swiggy HDFC Credit Card

Additional Features of Swiggy HDFC Credit Card

Here is the list of some of the additional features of Swiggy HDFC Credit Card:

1. Offers complimentary Swiggy one Membership as welcome benefit for three months on activation of the card
2. Exclusions for eligibility of renewal year fee waiver for spending of Rs.2 lakh or more are cash withdrawal, cash on call, and balance transfer
3. Ensures zero lost card liability on reporting about the lost immediately to the 24-hour call centre
4. Customers are provided with revolving credit at a nominal interest rate on your Swiggy HDFC Bank credit card
5. From the date of purchase, the customer can enjoy up to 50 days of interest-free period on the Swiggy HDFC Bank Credit Card

1. Offers Smart EMI facility on large purchase through Swiggy HDFC Bank Credit Card
2. Minimum of Rs.250 or 1% of loan amount as balance transfer
3. Cashback is applicable for amount more than Rs.100
4. Maximum of Rs.5,000 for a single transaction is allowed for contactless payment without credit card PIN
5. For amount more than Rs.5,000, Credit Card PIN is required for security reasons

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Eligibility Criteria for Swiggy HDFC Credit Card

The following are the eligibility criteria that applicants must fulfill to apply for Swiggy HDFC Credit Card:

	Salaried Indian national	Self Employed Indian national
Age	Minimum: 21 years Maximum: 60 years	Minimum: 21 years Maximum: 65 years
Net Income	Net Monthly Income should be more than Rs.15,000	Income Tax Return should be more than Rs.6 lakh per annum

How Does Swiggy Money Work?

Here are the details about how Swiggy Money work:

1. Swiggy Money is credited to Swiggy account of the customer
2. The Swiggy Money is delivered for the statement month within eight to ten days of statement generation

1. Swiggy Money can be redeemed on Swiggy applications
2. Option of paying via Swiggy Money to pay the bill can be directly chosen while placing order on the Swiggy application
3. The Swiggy Money until utilised keeps accumulating for the entire month
4. With effect from 21 June 2024, cashback redemption will be reflected in the credit statement. However, existing Swiggy money will continue to be credited in the customer's account in the Swiggy App

How to Link Swiggy HDFC Credit Card with Swiggy Application?

The following are ways to link Swiggy HDFC Bank credit acrd with Swiggy application:

1. Visit the Swiggy application, go to the Credit Card page
2. Click on Accounts section
3. Select the card, in this case, the Swiggy HDFC Bank Credit Card
4. On the 'Already Got the Card?' section at the bottom of the Credit Card page, click on 'Link Your Card to Swiggy'
5. Click on the link and enter the mobile number provided in the credit card application

1. Submit the OTP (One Time Password) received on your registered mobile number to link the card

Fees and Charges of Swiggy HDFC Credit Card

Here are the fees and charges applicable on Swiggy HDFC Bank Credit Card:

1. Joining Fee or Renewal Membership Fee: Rs.500 along with applicable charges
2. Renewal Fee Waiver: On yearly spending of Rs.2 lakh or more

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Comparing Swiggy HDFC vs ICICI Amazon Pay vs Axis Flipkart

Let's compare the HDFC Swiggy Credit Card's substantial cashback against other similar cards like Amazon Pay ICICI and Flipkart Axis Bank Credit Cards. By comparing these credit cards with comparable cashback and co-branded perks, we can better understand their unique offerings.

Parameters	HDFC Swiggy	ICICI Amazon Pay	Axis Flipkart
Annual Fee	Rs. 500	Nil	Rs. 500
Fee Waiver	On Rs. 2 lakh annual spends	NA	On Rs. 3.5 lakh annual spends
Welcome Benefits	3 months Swiggy One membership	NA	Save Up to Rs. 1,100 on Flipkart, Myntra & Swiggy combined
Base Cashback Rate	1% up to Rs. 500 p.m.	1%	1.5%
Accelerated Cashback	10% up to Rs. 1,500 p.m. on Swiggy 5% up to Rs. 1,500 p.m. on online spends	5% on Amazon by Prime members 3% on Amazon by non-Prime members 2% on Amazon Pay partner merchants	5% on Flipkart 4% on preferred merchants 1.5% on Myntra
Other Benefits	Nil	Up to 15% off on dining at partner restaurants	4 domestic airport lounge visits per year Up to 20% off at partner restaurants
Form of Cashback Redemption	As statement credit	As Amazon Pay balance	As statement credit

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Credit cards make payments easy for all expenses online and offline while offering various benefits

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FAQs on Swiggy HDFC Credit Card

• What is Swiggy One membership?

  Swiggy One membership offers exclusive discounts from select restaurants and provides unlimited benefits across Instamart, restaurants, and Genie orders on Swiggy including free delivery. This single membership is a premium subscription program with a host of benefits and offers only for Swiggy users.

• What are the transactions on which cashback will not be accrued?

  Some of the offline transactions on which cashback will not be accrued are Interest charge and penalties, all types of EMI, rent, wallet, fuel, jewelry, Purchase of foreign currency and fees, Purchase of travelers’ cheques, cash advances, government related transactions, and any other categories.

• How to enroll for the welcome benefit of Swiggy One Membership?

  The Swiggy HDFC Bank Credit card should be linked to Swiggy in case the card is applied from HDFC Bank to enroll for the Swiggy One Membership. If the card has been applied through Swiggy, then once the card gets activated the Swiggy One membership will be available to the customer.

• What if the cardholder already has an active Swiggy One Membership?

  if the cardholder already has an active Swiggy One Membership, then the existing membership will be topped by three months membership.

• How can a customer apply for the card?

  Customer can apply for the Swiggy HDFC Bank Credit Card by applying through Swiggy app by visiting Account Section of Swiggy app and clicking on Swiggy HDFC Bank Credit Card.

• Is it possible for me to get a Swiggy HDFC Bank Credit Card if I am already an existing HDFC Bank credit card holder?

  Yes, you can get a Swiggy HDFC Bank Credit Card even if you are an existing cardholder of HDFC Bank Credit Card only if you are part of the invite list for the credit card by reaching out to the phone banking call center or Swiggy Platform. 

• Is limit enhancement possible for my card?

  Yes, as per the bank’s standard policy the limit enhancement is possible only after six months from the credit card issuance. 

• How is the cashback credited for Swiggy HDFC Bank Credit Card?

  The cashback earned will be reflected on the credit card statement with effect from 21 June 2024.

• Can I transfer the Money to other Swiggy account?

  No, you cannot transfer the Swiggy Money from account to other Swiggy account.

• When will the earned Swiggy Money Cashback expire?

  The Swiggy Money Cashback which has the closest expiry date will be redeemed first.

• Is the cashback applicable to wallet loads and fuel spends?

  No, the Swiggy HDFC Bank credit card cashback is not available on fuel spends and wallet loads. 

• How can I generate PIN for Swiggy HDFC Bank Credit Card?

  You can generate PIN for Swiggy HDFC Bank credit card through Net Banking, ATM, Mobile Banking application, and by calling IVR (Interactive voice response) on 1860 266 0333.

• Can a cardholder avail flexible payment options on Swiggy HDFC Bank Credit Card?

  Yes, the Swiggy HDFC Bank credit card holders can avail themselves of flexible payment options of No cost EMI and Low-cost EMI.

• What should I do if my Swiggy HDFC Bank Credit Card is lost or stolen?

  Block your card immediately in case your card is lost or stolen by calling HDFC Bank Phone Banking Number, such as (1800 202 6161, 1860 267 6161, or 1800-25-8282-638. You can also log on to HDFC Bank Net Banking and click on the 'Hot listing' option to block your card. On Swiggy App under the account section of Swiggy app, click on 'Swiggy HDFC Bank Credit Card' and select the option accordingly by going to the ‘Manage Card’.

• What are the eligible transactions for 5% cashback categories?

  The eligible transactions for 5.00% cashback on online spendings on various categories are Pharmacies, Discount Stores, Entertainment, Apparels, Electronics, Local Cabs, Home Décor, Dept. Stores, Personal Care, and Pet Stores and Supplies.