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Swiggy HDFC Bank Credit Card

Swiggy HDFC Bank Credit Card


Earn ₹1800 Cashaly Rewards

Annual Fee ₹ 500/-

Joining Fee ₹ 500/-

A private sector lender, HDFC Bank, teamed up with one of the famous Food delivery services, Swiggy, to introduce the Swiggy HDFC Credit Card, a co-branded credit card. This card offers 5% reward on other online purchases and 10% cashback on Swiggy App services, like food delivery, Instamart, Dine Out, and Swiggy Genie. It is perfect for people who often use these services. For more information about the Swiggy HDFC Credit Card, continue reading.

Written By : Cashlay Advisor

Cashaly Rewards T&C

Rewards Tracked Within:72 Hours
Rewards Paid: Within 60-65 Days Of Card Disbursal
No Rewards Are Applicable If The Applicant's Mobile Number Is Changed During The Application.
No Rewards Are Applicable For Existing HDFC Bank Credit Card Holders
If You Apply For A Different Card Upon Redirecting You Will Be Eligible For The Rewards Rates Applicable To The Card Applied. For More Information Check The Details Of The Applied Card On Cashaly
Missing Rewards: Accepted
Rewards Will Be Provided In The Cashaly Account Not In HDFC Bank Application.
Do Not Visit Any Other Coupon Or Deal Site After Clicking Out From Cashaly.
Do Not Use A Referral Code While Applying For The Card.
No Rewards Are Applicable If You Cancel The Application.
Fraudulent Activity Will Lead To The Cancellation Of The Rewards. Cashaly's Decision Will Be Final In This Case.
If Your Rewards Do Not Track, Raise A Missing Cashback Query Within 30 Days From The Application Date.
Rewards Can Only Be Redeemed In Bank Account Through UPI.
Please Send Rewards Related Queries To Cashaly Only, Not To HDFC Bank


For Salaried Indian national

Age: Min 21 years & Max 60 Years

Income: Net Monthly Income > Rs.15,000

For Self Employed Indian national

Age: Min 21 years & Max 65 Years

Income: ITR > Rs 6 Lakhs per annum

Recommended Credit Score

Min 700

Welcome Offer

  • Free 3 month Swiggy One Membership

Swiggy HDFC Bank Credit Card Features

10% cashback is available through the Swiggy app for food ordering, Instamart, Dineout, and Genie.
5% Cashback on purchases made online at all online MCCs.
1% cashback is available with the card in other categories.
Free three-month subscription to Swiggy One upon card activation.

Expert Review

Our Expert Review

With the Swiggy HDFC Bank Credit Card, get both financial and culinary satisfaction. As a welcome bonus, get three months of Swiggy One membership in addition to 10% cashback on Swiggy, dining, and online purchases. Transform purchases into interest-free payments, take advantage of contactless transactions, and enjoy a grace period.


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Swiggy HDFC Bank Credit Card Features & Benefits

The Swiggy HDFC Bank Credit Card provides a pleasurable culinary experience with a plethora of features and bonuses designed specifically for foodies. Dining experiences are enhanced when cardholders take advantage of cashback and enticing discounts on Swiggy orders. In addition, the card offers fast reward points and tempting incentives on a range of dining expenses, both online and offline. Users also gain access to luxury dining clubs and free memberships, among other exclusive advantages. The Swiggy HDFC Bank Credit Card combines convenience and savings to make dining more enjoyable.

Swiggy HDFC Bank Card Welcome Benefit

Upon card activation, new customers of the Swiggy HDFC Bank Card are greeted with attractive welcome rewards. After the card is activated, customers can take advantage of the free Swiggy One Membership for three months.

Swiggy HDFC Bank Card Additional Benefits

For those seeking more benefits in addition to delicious food, the Swiggy HDFC Bank Credit Card is a well-rounded choice. The following are a few possible extra features of Swiggy HDFC Bank Credit Card:

  • Revolving credit with competitive interest rates.
  • The ability to turn large expenditures into simple monthly instalments.
  • 24/7 Concierge Services.
  • A contactless payment of up to Rs 5,000.
  • Fraudulent transactions are not accountable.
  • Interest-free period of up to 50 days after purchase date.

Swiggy HDFC Bank Card Renewal Benefits

Exclusive perks are included with the Swiggy HDFC Bank Card renewal, giving cardholders continuous access to alluring discounts and rebates on Swiggy orders. To ensure that regular diners receive consistently satisfying experiences, renewal perks could include extra reward points, exclusive privileges, and special specials.

  • Spend INR 2,00,000 or more to qualify for a waiver of the renewal year charge.
  • Cash on Call, Balance Transfer, and Cash Withdrawal are excluded from the criteria.
  • The sum of INR 2,00,000 will not take the preceding expenses into account.

Swiggy HDFC Bank Credit Card Smart EMI Facility

With the use of the Smart EMI Facility provided by the Swiggy HDFC Bank Credit Card, customers may turn their large Swiggy transactions into convenient monthly instalments with competitive interest rates. This feature gives cardholders the freedom and convenience to effectively control their spending while taking advantage of the ease of Swiggy food delivery.

Balance Transfer on EMI - *1% of Loan Amount, Minimum Rs 250 (exclusive of GST)

How to Link a Swiggy HDFC Credit Card with Swiggy App?

You can connect your Swiggy HDFC Bank credit card to the Swiggy app in the following ways:

  1. Open the Swiggy app and navigate to the Credit Card section.
  2. Select the Accounts section.
  3. In this instance, choose the Swiggy HDFC Bank Credit Card.
  4. Click the "Link Your Swiggy HDFC Bank credit card" section at the bottom of the Credit Card page.
  5. To apply for a credit card, click the link and input the mobile number you gave.
  6. In order to link the card, enter the OTP (One Time Password) that you received on your registered phone number.

How Does Swiggy Money Work?

Swiggy Money is a digital wallet that is part of the Swiggy app that lets users load money in advance for quick and easy transactions. In addition to enabling cashless ordering of meals, it also provides special discounts and cashback, making the Swiggy experience even more convenient and affordable. The following information explains how Swiggy Money operates:

  • Swiggy Money is credited to the customer's Swiggy account.
  • When the statement is generated, it takes 8 to 10 days to receive the Swiggy Money for that month.
  • You can use Swiggy Money on Swiggy applications.
  • While placing an order on the Swiggy app, customers have the direct option to pay with Swiggy Money.
  • To maximise benefits, cashback with the closest expiration date is used first.
  • Cashbacks are not available for purchases under Rs 100.
  • The Swiggy Money will expire after a year of cashback.

Swiggy HDFC Bank Credit Card cashback can only be redeemed on the mentioned Swiggy sites using the Swiggy application.

  • Food ordering
  • Instamart
  • Dineout
  • Genie

Swiggy HDFC Bank Credit Card – Fees and Charges

The fees and charges related to the credit card are as follows:

  • The card has joining and renewal fees of Rs. 500 plus taxes.
  • If you spent Rs. 2 Lakh in the previous year, you can get your renewal fee waived.
  • The card has an interest rate of 3.6% monthly or 43.2% annually.
  • The card has a 2.5% cash advance fee, or Rs 500, whichever is greater.
  • The card charges 3.5% of the transaction value as a currency markup fee.
  • There is a 40% allowable cash withdrawal limit.

Eligibility Criteria & Documents Required for Swiggy HDFC Bank Credit Card

To be eligible to apply for the Swiggy HDFC Bank credit card, you must fulfil a few conditions.

  • For those who are salaried, the applicant's age range is 21 to 60 years old; for self-employed workers, the applicant must be 21 to 65 years old.
  • The candidate needs to be a citizen of India.
  • The candidate must earn at least Rs. 25,000 per month, or in the case of self-employed contractors, Rs. 6 lakhs or more in annual income tax returns.

The following documentation is required each time you apply for a lifetime free credit card. The following documents must be submitted:

  • ID Proof - Aadhaar Card, PAN Card, Driver’s License, Passport, etc.
  • Address Proof - Aadhar Card, Rent Agreement, Ration Card, Passport, Latest Utility Bills, etc.
  • Income Proof - Salaried individuals need to provide the latest 2 months’ salary slips and bank statements. Self-employed individuals need to provide their audited ITR of the previous year.


1. How can I sign up for Swiggy One Membership's welcome benefit?

When using a Swiggy HDFC Bank Credit Card, you can get a three-month free subscription to Swiggy One. If the customer applied through HDFC Bank, they must first link their card with Swiggy in order to enrol in the Swiggy One Membership. The opportunity to obtain a Swiggy One membership will become available to customers who have applied through Swiggy after your card is activated.

2. What is Swiggy One membership?

Swiggy One membership is a premium subscription program with a plethora of exclusive features and incentives for Swiggy users. Exclusive savings are available from a limited number of restaurants with a Swiggy One membership. Unlimited perks are also included, such as free delivery, for Instamart, restaurants, and Genie orders on Swiggy.

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

The three months of subscription for the current Swiggy One member will be added to their current membership. If a customer has six months of membership currently and adds three more months, they will have nine months of membership accessible.

4. How can I apply for the Swiggy HDFC Bank Credit Card?

As of right now, card applications are only accepted by invitation. Customers can also apply through HDFC Bank's website or the Swiggy app by navigating to the Account Section of the app and clicking on Swiggy HDFC Bank Credit Card.

5. How long is the Swiggy HDFC Bank Credit Card interest-free period?

A 50-day interest-free period is available to cardholders who use their Swiggy HDFC Bank Credit Card for all purchases.

6. Can I increase the limit on my Swiggy HDFC Bank credit card?

Yes, in accordance with the bank's regular policy, limit expansion is only allowed six months following card issuance.

7. How is the Swiggy HDFC Bank Credit Card cashback credited?

The Swiggy app will immediately credit any earned cashback as Swiggy Money.

8. Can I transfer the Money to the Swiggy account?

It is not possible to move Swiggy Money to another account.

9. When will the earned Swiggy Money Cashback expire?

The Swiggy Money Cashback expires after a year from the cashback earning date.

10. How to generate PIN for Swiggy HDFC Bank Credit Card?

The Swiggy HDFC Bank Credit Card cannot be activated until the PIN is generated by the cardholder. Consumers can use the 1860 266 0333 IVR calling option, Net Banking, the Mobile Banking App, or an ATM to generate their PIN.

Earn ₹1800 Cashaly Rewards