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The Swiggy HDFC Credit Card is perfect for those who frequently order food or shop online, especially on Swiggy. This card comes loaded with attractive benefits, like a high cashback rate on Swiggy spends 10% and 5% cashback on other online purchases. Plus, you get a complimentary Swiggy One membership, offering significant savings and added perks.
Key Benefits
The Best Cashback Credit cards offers a range of features that cater to the needs of discerning individuals.
welcome bonus
- 3-month free Swiggy One membership on card activation.
fuel surcharge waiver
- N/A
dining benefit
- 10% Cashback on Swiggy application (Food ordering, Instamart, Dineout & Genie).
zero lost card liability
- If you happen to misplace your Swiggy HDFC Bank Credit Card, promptly reporting it to our 24-hour call centre ensures that you won't be held responsible for any unauthorized transactions made on the card. Your liability for any fraudulent activities on the Credit Card is completely waived.
interest free credit period
- Up to 50 days of interest-free period on your Swiggy HDFC Bank Credit Card from the date of purchase.
revolving credit
- Available at a nominal interest rate
travel benefit
- Up to 12% instant discount on worldwide hotels on Agoda.
insurance benefit
- N/A
golf
- 12 free golf lessons/year in India.
- One night & one dine free at select Mastercard partners globally.
Key Rewards
The Best Cashback Credit cards offers a range of rewards.
reward points
- 10% cashback on Swiggy spends max ₹1500 per month
- 5% cashback on online spends across top brands max ₹1500 per month
- 1% cashback on other categories.
reward redemption
- Cashback earned on Swiggy HDFC Bank Credit Card is redeemable as Swiggy Money only on Swiggy application.
reward validity
- Swiggy Money earned as cashback will expire in 1 year from date of earning.
other spend includes
- N/A
other spend excludes
- Insurance
- Govt Related transactions
- Cash Advances
- Gold
- Fuel
- EMI
- Wallet transactions
Fees and Charges
The Best Cashback Credit cards comes with a range of fees and charges that you should be aware of.
joining fee
₹500
annual fee
₹500
joining fee waiver
N/A
annual fee waiver
N/A
annual interest rate
43.20%
add on card fee
Free
minimum repayment amount
5%
cash withdrawal fee
2.50%
cash advance limit
40%
card replacement fee
₹100
foreign transaction fee
3.50%
over limit penalty
2.50%
Loundge
The Best Cashback Credit cards offers below loundge benefit.
domestic lounge
N/A
international lounge
N/A
railway lounge
N/A
Eligibility and Documents Required
To apply for the Best Cashback Credit cards, you need to meet the following eligibility criteria and you will need following documents.
Eligibility Criteria
Resident: Indian
Age: 21 to 65 years
Occupation: Salaried or Self Employed
Income: For Salaried people income more than ₹
25000, For Self-employed people
income more than ₹50000,
No information for students.
Documents Required
proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
proof of address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
proof of income: Latest one or two salary slips (not more than three months old), latest Form 16, and the last 3 months’ bank statement.
Best Cashback Credit cards Rating
Charges
4/5
Rewards
4/5
Customer Service
3.5/5
Our Review For Best Cashback Credit cards
The Swiggy HDFC Credit Card is a great option for users who frequently order food or shop online, especially on the Swiggy platform. card offers 10% on swiggy spends. 5% for lots of other online spends like old, uber, Flipkart, Amazon, Meesho, Ajio, Zoom, ANI Technologies etc
Biggest drawback is you get cashback as swiggy money which you need to spend on swiggy app. also for 10% and 5% reward montly limit is ₹1500
This card is best only for people whole order food very frequently from swiggy, for getting actual cashback you can checkout cards like SBI Cashback Credit Card and HDFC Millennia Credit Card
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