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Introduction

Swiggy, India’s leading food delivery platform, has partnered with HDFC Bank to launch the Swiggy HDFC Bank Credit Card. Designed for foodies and online shoppers, this credit card offers unmatched rewards, cashback, and perks across Swiggy services and other platforms. With the growing trend of online ordering and digital payments, the Swiggy Credit Card is a perfect companion for modern consumers who want value with every bite.

In this article, we will explore every detail you need to know about the Swiggy Credit Card – features, benefits, eligibility, fees, and how to apply.

Key Highlights

Card Name: Swiggy HDFC Bank Credit Card
Type: Cashback Credit Card
Network: Visa
Annual Fee: ₹500 (Waived on ₹2 Lakh spend)
Issued by: HDFC Bank
Best For: Swiggy orders, online shopping, OTT subscriptions

Top Features of Swiggy Credit Card

1. 10% Cashback on Swiggy

Earn 10% cashback on all Swiggy platforms:

Swiggy Food delivery
Swiggy Instamart
Swiggy Dineout
Swiggy Genie

Cashback is auto-credited to your card account and can be used to pay bills or offset purchases.

2. 5% Cashback on Popular Platforms

Apart from Swiggy, get 5% cashback on:

Amazon
Flipkart
Myntra
Nykaa
BookMyShow
Netflix, Hotstar, YouTube Premium & other OTT platforms

Perfect for users who frequently shop or stream online.

3. 1% Cashback on Other Spends

All other transactions earn 1% cashback, ensuring you get rewards for almost every swipe.

4. No Cost EMI & Exclusive Deals

The card comes with:

No-cost EMI options on electronics & large purchases.
Swiggy-exclusive offers, such as discount coupons, priority delivery, etc.

5. Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 – ₹5,000.
Maximum waiver: ₹250 per month.

6. Smart Dashboard in Swiggy App

Track your spending, cashback, and rewards directly from the Swiggy app under the “Credit Card” section.

Annual Charges and Fees

Tip: Spend ₹2 Lakhs in a year to get your annual fee waived.

Eligibility Criteria

To apply for the Swiggy HDFC Credit Card, you need:

For Salaried Individuals

Age: 21–60 years
Monthly Income: ₹25,000+
Indian Resident

For Self-Employed

Age: 21–65 years
Annual ITR: ₹6 Lakhs+
Indian Resident

Also required:

Good credit score (700+ preferred)
Valid PAN & Aadhaar

Documents Required

PAN card (mandatory)
Aadhaar card / Voter ID / Passport (address proof)
Salary slips (last 3 months) or ITR (self-employed)
Passport-size photo

How to Apply for Swiggy Credit Card

There are 3 ways to apply:

1. Via Swiggy App

Open Swiggy app.
Tap on “Credit Card” banner.
Fill in your personal details.
Complete KYC and get instant approval (if eligible).

2. Via HDFC Bank Website

Visit: hdfcbank.com
Go to “Credit Cards” → “Swiggy HDFC Card”
Click on “Apply Now”

3. Offline at HDFC Branch

Visit any HDFC Bank branch with documents.
Submit application physically.

Benefits of Using Swiggy Credit Card

High Rewards: One of the best cashback cards for food and grocery lovers.
Simple Redemption: No complex points system – direct cashback.
Swiggy Integration: Everything managed inside your Swiggy app.
Fast Approval: Many users get instant approval with e-KYC.
Ideal for Online Lifestyle: Food, fashion, shopping, OTT – all covered.

Disadvantages to Consider

₹500 annual fee (but waived if you spend ₹2 Lakhs).
Not ideal for offline spenders.
Cashback caps may apply (check latest terms).
No airport lounge access or travel perks.

Customer Reviews & Feedback

Positive: “Great for daily Swiggy users! Got ₹500 cashback in first month.”
Neutral: “Useful only if you spend a lot online.”
Negative: “Doesn’t have travel or premium features like lounge access.”

Tips to Maximize Swiggy Credit Card

Order groceries from Swiggy Instamart to earn cashback daily.
Use card for OTT subscriptions and Flipkart/Amazon shopping.
Set up bill payments via credit card for bonus cashback.
Check for Swiggy card offers on festival sales.
Track cashback from Swiggy app monthly.

Swiggy HDFC Credit Card vs. Other Cards

Swiggy card wins if you are a regular Swiggy + OTT + online shopper.

FAQs – Swiggy HDFC Credit Card

Q1: Is this a lifetime free card?
A: No. Annual fee of ₹500, waived on ₹2L yearly spend.

Q2: Where will I get my cashback?
A: Cashback is auto-credited to your card and reflected in your Swiggy app and statements.

Q3: Is there a credit score requirement?
A: Yes, minimum 700+ CIBIL recommended.

Q4: Can I use this card outside Swiggy?
A: Absolutely! You get 5% cashback on many major platforms and 1% on all other spends.

Q5: How long does approval take?
A: Many get instant digital approval with eKYC.

Conclusion

If you’re someone who frequently orders food, shops online, and binge-watches OTT content, the Swiggy HDFC Bank Credit Card is a no-brainer. With up to 10% cashback, low fees, and Swiggy integration, it’s built for the modern Indian consumer. While it doesn’t offer travel perks, it makes up with high-value cashback and everyday usability.

Whether you’re a foodie or a digital native, this credit card ensures that your lifestyle is rewarded with every tap. Apply today and make your every Swiggy order even more satisfying!