Swiggy HDFC Credit Card Review June 2024

Discover an endless array of delicious food options with the Swiggy HDFC Credit Card. Learn about its wonderful benefits, features, and how to get approved for this card to have smooth dining experiences. 

Swiggy HDFC Credit Card features include

1. Offers for Cashback:

Take advantage of a substantial 10% cashback on all Swiggy app purchases, including Genie, Instamart, Dineout, and meal ordering. 

• Earn 5% cashback on online purchases made on various platforms. 
• Get 1% back with every other purchase. 

2. Free Swiggy One Subscription:  

When you activate your card, you will receive a complimentary three-month Swiggy One Membership as per RBI requirements. 

3. Redemption of Cashback:  

Using the Swiggy app, you can quickly exchange your earned cashback into Swiggy Money. 

Please note: Transactions involving Swiggy Minis, Swiggy Money Wallet, and Swiggy Liquor are excluded from cashback eligibility. 

Additional Features  

1. Welcome Benefits: 

Enjoy a warm welcome with a complimentary Swiggy One Membership for three months upon activating your card. 

2. Renewal Offer: 

Benefit from a renewal fee waiver upon spending Rs.2 lakh or more every year, omitting certain transactions. 

3. Zero-Liability Defense: 

You may be confident that if you notify the 24-hour call center as soon as possible about a lost card, you will not be held liable. 

4. Interest-Free Time Frame:  

Utilize the interest-free period, which lasts for up to 50 days after the date of purchase and allows for flexible payment schedules. 

5. Intelligent Energy Management System: 

For easy payback, divide major purchases into smaller installments. 

6. Payments via Contactless Technology:  

Enjoy the convenience of contactless payments without the need for a PIN for purchases up to Rs. 5,000. 

Eligibility Criteria for Swiggy HDFC Credit Card  

• Both salaried and self-employed Indian nationals are eligible. 
• Age criteria: 21 to 60 years for salaried individuals; up to 65 years for self-employed individuals. 
• Minimum monthly income: Below Rs. 25,000; Income tax return should be less than Rs. 6 lakh per annum. 

How Swiggy Money Works 

• Swiggy Money is credited to your Swiggy account within 8-10 days of statement generation. 
• Redeem Swiggy Money seamlessly on the Swiggy app when placing orders. 
• Link your Swiggy HDFC Credit Card to the Swiggy app for easy access to Swiggy Money. 

How to Link Swiggy HDFC Credit Card with Swiggy App 

1. Open the Swiggy app, go to the Credit Card page, and select your Swiggy HDFC Credit Card. 
2. Click on 'Link Your Card to Swiggy' and enter your mobile number. 
3. Complete the process by submitting the OTP received on your registered mobile number. 

Fees and Charges 

Obtain the Swiggy HDFC Credit Card with a joining fee or renewal membership fee of Rs. 500, plus applicable charges. 

Enjoy a renewal fee waiver upon annual spending of Rs. 2 lakh or more, ensuring continued benefits and savings. 

FAQs about Swiggy HDFC Credit Card 

1. What is Swiggy One membership? 

• Swiggy One membership offers exclusive benefits and discounts across Swiggy platforms, including free delivery. 

2. On which transactions will cashback not be accrued? 

• Cashback won't apply to certain offline transactions like interest charges, penalties, EMIs, and government-related payments. 

3. How can I enroll for the welcome benefit of Swiggy One Membership? 

• Link your Swiggy HDFC Bank Credit Card to Swiggy to enjoy the welcome benefit automatically upon activation. 

4. What happens if I already have an active Swiggy One Membership? 

• Your current membership will be extended by three months upon activation of your Swiggy HDFC Bank Credit Card. 

5. How can I request to receive a card?  

• Apply through the Swiggy app by selecting the Swiggy HDFC Bank Credit Card option under the Account Section. 

6. Are Swiggy HDFC Bank Credit Cards available to current HDFC Bank credit cardholders?  

• Yes, current HDFC Bank credit cardholders may apply through Swiggy or the bank, if invited. 

7. Is it possible to increase the limit on my card?  

• According to the bank's policy, limit enhancement is feasible after six months from the date of card issuance. 

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

• Cashback is automatically credited as Swiggy Money to your account. 

9. Can I transfer the Swiggy Money to another account?  

• No, Swiggy Money cannot be transferred to another account. 

10. When will the earned Swiggy Money Cashback expire?  

• Swiggy Money Cashback expires one year from the date of earning. 

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