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Swiggy HDFC Bank
Co-Branded
Best for: Dining
Joining Fee :
₹500
Annual Fee :
₹500
Issued by
HDFC Bank
Powered by
Mastercard
Welcome Bonus
Travel
Fuel
Shopping
Cashback
Rewards
Insurance
Interest
Lounge
Love Swiggy? The Swiggy HDFC Bank Credit Card rewards your food passion! Enjoy 10% cashback on Swiggy orders (including Instamart, Dineout & Genie), 5% on online spending, and 1% on other purchases. Get a free 3-month Swiggy membership, 12 golf sessions, and 12% off worldwide hotels on Agoda.
Features & Benefits
🎁 Welcome Bonus
• 3-month free Swiggy One membership on card activation.
• Swiggy One offers:
• Unlimited free deliveries.
• Extra 30% discount on popular restaurants.
• Free Delivery on Swiggy Instamart.
• 10% off on Swiggy Genie.
💸 Cashback Benefit
• 10% Cashback on Swiggy application (Food ordering, Instamart, Dineout & Genie.)
• 5% Cashback on online spends across top brands.
• 1% Cashback on other categories.
• Cashback Rate: 1% to 10%
⏳ Interest Free Period
• Up to 50 days of interest-free period on your Swiggy HDFC Bank Credit Card from the date of purchase
🔒 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.
🔹 Other Benefit
• 12 free golf lessons/year in India.
• One night & one dines free at select Mastercard partners globally.
• Up to 12% instant discount on worldwide hotels on Agoda.
Joining Fee
₹500
Annual Percentage Rate
43.20%
Foreign Transaction Fee
3.50%
Annual Fee
₹500
Minimum Repayment Amount
5%
Over Limit Penalty
2.5%
Add-on Card Fee
Free
Cash Withdrawal Fee
2.50%
Fuel Surcharge
1%
Card Replacement Fee
₹100
Cash Advance Limit
40%
Reward Point Value
₹1.00
Fees & Charges
Pros
1. 10% cashback on Swiggy spends.
2. 5% cashback on other online spends.
3. Free 3-month Swiggy One membership.
4. Premium golf club access worldwide with Mastercard network.
5. Up to 12% instant discount on worldwide hotels on Agoda.
Cons
1. No cashback on Fuel, Rent, Jewellery, Govt. spends, EMI & Wallet.
2. No fuel surcharge waiver.
3. Swiggy Money earned as cashback will expire in 1 year from date of earning.
4. Capping on cashbacks limit.
5. Cashback will be deposited as Swiggy Money and can be used only on Swiggy.
Eligibility
• Salaried:
- Age: 21–60 years
- Monthly income: Minimum ₹25,000
• Self-Employed:
- Age: 21–65 years
- ITR: Minimum ₹6 Lakhs per annum
Documents Required
1. Identity Proof (any one): PAN Card, Aadhaar Card, Driver's License, Passport, Voter's ID, OCI Card, PIO Card, NREGA Job Card, or UIDAI-issued letters
2. Address Proof (any one): Aadhaar Card, Driver's License, Passport, Recent Utility Bill (within 3 months), Ration Card, Property Documents, Bank Statement
3. Income Proof: Recent salary slips (1-2, within 3 months), latest Form 16, last 3 months' bank statements