Swiggy HDFC Bank Credit Card Review

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20.06.2025 03:46 PM - Comment(s)

Swiggy HDFC Bank Credit Card

Swiggy HDFC Bank Credit Card – best for food delivery discounts, cashback, and dining rewards
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Swiggy HDFC Bank Credit Card Review
"​A Foodie's Delight"

Introduction

The Swiggy HDFC Bank Credit Card is a co-branded credit card designed specifically for frequent users of Swiggy, offering substantial cashback rewards on food ordering, Instamart, Dineout, and Genie transactions. With its focused benefits on online shopping and dining, it's an excellent choice for those who regularly order food online or shop on popular e-commerce platforms. Here’s a detailed review to help you decide if this card is right for you.

Key Features and Benefits

 

Welcome Benefits

  • Receive a complimentary 3-month Swiggy One Membership upon card activation, providing unlimited free deliveries and exclusive discounts on Swiggy orders.

Reward Structure

  • Earn 10% cashback on Swiggy transactions, including food ordering, Instamart, Dineout, and Genie, capped at ₹1,500 per billing cycle.

  • Earn 5% cashback on online shopping across over 1,000 platforms, capped at ₹1,500 per billing cycle.

  • Earn 1% cashback on all other retail purchases.

Additional Benefits

  • Mastercard World benefits include access to golf courses worldwide and 12 free golf lessons annually.

Annual Fee

  • ₹499 + GST, waived off on spending 2 lakh annually.

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Fees And Charge Table

Card Essential

 Type:- Cashback

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 Welcome Benefits:-  Complimentary 3-Month Swiggy One Membership
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Joining Fee:- ₹499 + GST
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  Annual Fee:- ₹499 + GST
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 Reward Structure:- CashBack on SPENDS
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Renewal Benefit:- Spend ₹2 Lakh+ annually, get your renewal fee waived.
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 Interest Rate:- 3.75% per month (i.e., 45% per annum)
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 Forex Mark-up:- 3.50% + TAXS
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 Cash Advance Charges:- 2.5% or ₹500 Whichever is higher
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 Over Limit Charges:- 2.5% of overlimit amount, minimum of ₹550 
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 Wallet Transactions  Charges:- 1% + GST 
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Rental Transactions  Charges:- 1% + GST 
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 Utility Transactions  Charges:- 1% + GST 
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 Education Fee Payment Charges:-1% + GST 
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Railway Surcharge:- 1% + GST 
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 Fuel Surcharge:- 1% 

Rewards and Benefits Analysis

The Swiggy HDFC Bank Credit Card is ideal for frequent Swiggy users and online shoppers, offering substantial cashback rewards on these categories. The complimentary Swiggy One Membership enhances its appeal by providing unlimited free deliveries and discounts on Swiggy orders.

Practical Considerations

While the card excels in cashback rewards for Swiggy and online shopping, its benefits are limited for non-dining and non-online spends. Additionally, the cashback caps might restrict high spenders from maximizing their rewards.

Redemption Options

Cashback earned is credited directly to the card statement, providing seamless savings without the need for manual redemption.

Ideal User Profile

This card is best suited for

  • Frequent Swiggy users

  • Individuals who prioritize cashback rewards on online shopping

  • Those seeking an affordable credit card with focused dining benefits

Final Thoughts

The Swiggy HDFC Bank Credit Card offers a compelling package for frequent Swiggy users and online shoppers with its high cashback rates and complimentary Swiggy One Membership. While it may not be ideal for everyone due to its limited premium benefits, its affordability and focused rewards make it a solid choice for those who regularly order food online.

Additional Tips for Potential Applicants:

  • Eligibility: Salaried 21-60 years old, ₹15,000+ monthly income. Self-employed 21-65 years old, ₹6 lakh+ annual ITR.

  • Usage: Maximize spends on Swiggy and online shopping to get the most out of the cashback rewards.

  • Redemption: Enjoy cashback directly credited to your statement for hassle-free savings.

CDMS EXPERT ADVICE

The Swiggy HDFC Bank Credit Card is perfect for frequent Swiggy users and online shoppers aiming to maximize cashback rewards. Maintain disciplined spending and timely bill payments to avoid high-interest costs. If credit card repayments become overwhelming, seek CDMS expert assistance for personalized debt management strategies.

This review provides a balanced view of the card's strengths and weaknesses, helping readers make informed decisions about whether the Swiggy HDFC Bank Credit Card aligns with their 

spending habits and financial goals.

! Disclaimer - We strive for accuracy, but this content is for informational purposes only. For the latest product details and offers, please check the official site directly.
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Author And Publisher: Gyro 3.o

Author And Publisher: Gyro 3.o

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