Swiggy HDFC Credit Card

HDFC Bank stands as India’s leading credit card issuer, offering a wide array of card categories, such as super-premium, travel, fuel, and shopping cards. In pursuit of delivering exceptional benefits, HDFC proudly presents co-branded credit cards, including the Swiggy HDFC Bank credit card.

This pioneering collaboration marks Swiggy’s debut in the credit card sector, available for an initial fee of Rs. 500 plus taxes. Ideal for avid Swiggy users, it yields remarkable savings, up to 6.8% on annual expenditures exceeding Rs. 2 Lakhs. New cardholders enjoy a 3-month Swiggy One membership and stand to gain up to 10% cashback on Swiggy expenses.

Key Highlights of Swiggy HDFC Bank Credit Card

Key Highlights of Swiggy HDFC Bank Credit Card:

  1. Unique Collaboration: The first-ever credit card partnership between Swiggy and HDFC Bank.
  2. Affordable Joining Fee: Access the card for just Rs. 500 plus taxes.
  3. Dining Savings: Earn up to 10% cashback on Swiggy orders.
  4. Annual Spend Benefits: Save up to 6.8% on annual expenditures exceeding Rs. 2 Lakhs.
  5. Swiggy One Membership: Enjoy a complimentary 3-month membership.
  6. Fuel Discounts: Get fuel surcharge waivers on transactions at select fuel stations.
  7. Contactless Payments: Experience hassle-free and secure contactless payments.
  8. Flexible Rewards: Unlock exclusive rewards and discounts on Swiggy and HDFC Bank partner outlets.
  9. Easy Application: Apply online for quick and convenient card issuance.
  10. Elevate Your Dining Experience: Ideal for food enthusiasts who love ordering online and dining out.

Features and Benefits of Swiggy HDFC Bank Credit Card

The Swiggy HDFC Bank Credit Card offers several features and benefits:

  1. 10% cashback on Swiggy orders, Instamart, Dineout, and Genie via the Swiggy app
  2. 5% cashback for online spendings
  3. 1% cashback on other categories
  4. Complimentary 3-month Swiggy One Membership upon card activation
  5. Cashback can be redeemed as Swiggy Money in the app
  6. Excludes Swiggy Minis, Wallet, Liquor for cashback
  7. Redeem cashback after linking the card to the Swiggy app

Additional benefits:

  1. Welcome 3-month Swiggy One Membership
  2. Renewal fee waiver conditions
  3. Zero lost card liability upon immediate reporting
  4. Revolving credit at a nominal interest rate
  5. Up to 50 days of interest-free period
  6. Smart EMI for large purchases
  7. Minimum balance transfer amount of Rs. 250 or 1% of the loan amount
  8. Cashback applicable for transactions over Rs. 100
  9. Maximum Rs. 5,000 for contactless payments; PIN required for amounts exceeding Rs. 5,000 for security.

HDFC Swiggy Credit Card Fees and Charges

Here are the fees and charges associated with the HDFC Swiggy Credit Card:

  1. Joining Fee: Rs. 500
  2. Annual Fee: Rs. 500 (may be waived off if specific spending criteria are met)
  3. Interest Rate on Outstanding Balances: Typically ranging from 3.49% to 3.6% per month (may vary)
  4. Cash Withdrawal Fee: 2.5% of the amount withdrawn, with a minimum of Rs. 500
  5. Over-limit Fee: 2.5% of the over-limit amount, subject to a minimum of Rs. 500
  6. Late Payment Charges: These charges can vary based on the amount overdue and typically range from Rs. 100 to Rs. 700.
  7. Foreign Currency Transaction Fee: 3.5% of the transaction amount

Swiggy HDFC Credit Card Eligibility

To qualify for the Swiggy HDFC Credit Card, you must adhere to the following conditions:

For Salaried Indian Nationals:

  • Age: Minimum 21 years, Maximum 60 years.
  • Net Monthly Income: Should exceed ₹25,000.

For Self Employed Indian Nationals:

  • Age: Minimum 21 years, Maximum 65 years.
  • Income Tax Return (ITR): Minimum ₹6 Lakhs per annum.

Documents Required for HDFC Bank Swiggy Credit Card

To apply for the HDFC Bank Swiggy Credit Card, you must provide the following documents:

1. Identity Proof:

  • Aadhar Card
  • Passport
  • Voter ID
  • Driver’s License
  • PAN Card

2. Address Proof:

  • Aadhar Card
  • Passport
  • Voter ID
  • Utility bills (electricity, water, gas) with your name and address
  • Rental agreement

3. Income Proof:

  • Salary slips
  • Form 16
  • Income Tax Returns (ITR)
  • Bank statements

4. Passport-size Photographs: Typically 2-3 recent passport-sized photographs.

5. Duly Filled Application Form: This will be provided by the bank when you apply.

6. Additional Documents: The bank may request additional documents based on your employment type (salaried or self-employed) and credit history.

How to apply for Swiggy HDFC Credit Card

To apply for the Swiggy HDFC Credit Card, you can follow these general steps:

1. Eligibility Check:

  • Visit the HDFC Bank website to check the eligibility criteria for the Swiggy HDFC Credit Card. Ensure you meet the income and other requirements.

2. Online Application:

  • If you meet the eligibility criteria, you can typically apply online. Visit the HDFC Bank website and navigate to the credit card section.

3. Choose Swiggy Credit Card:

  • Select the Swiggy Credit Card as your choice of card for the application.

4. Fill in the Application Form:

  • Complete the online application form with your personal, contact, and financial details. Ensure that you provide accurate information.

5. Submit Documents:

  • Upload the required documents, including identity proof, address proof, income proof, and any other documents specified by the bank.

6. Review and Submit:

  • Review the application form for accuracy and completeness. After verifying all the information, submit the application.

7. Application Processing:

  • HDFC Bank will review your application and documents. They may contact you for additional information or clarification.

8. Credit Card Approval:

  • If your application is approved, HDFC Bank will issue the Swiggy HDFC Credit Card to you.

9. Receive and Activate Card:

  • Once you receive the credit card, follow the activation instructions provided by the bank.

Frequently Asked Questions (FAQs)

1. What is the Swiggy HDFC Bank Credit Card?

The Swiggy HDFC Bank Credit Card is a co-branded credit card that offers exclusive benefits and rewards for Swiggy users. It is designed to enhance the dining and food delivery experience, providing cashback, discounts, and other perks when using the card for Swiggy transactions.

2. How can I apply for the Swiggy HDFC Bank Credit Card?

To apply for the Swiggy HDFC Bank Credit Card, you can visit the official HDFC Bank website or contact HDFC Bank customer service. The application process typically involves submitting personal and financial information for credit assessment.

3. What are the key benefits of the Swiggy HDFC Bank Credit Card?

The card offers various benefits, including cashback on Swiggy orders, reward points on other transactions, milestone rewards, dining privileges, and exclusive discounts on partner platforms. The specific benefits may vary, so it’s advisable to check the latest terms and conditions.

4. Is there an annual fee for the Swiggy HDFC Bank Credit Card?

Credit card fees can change, so it’s essential to check the latest information on the HDFC Bank website or contact customer service. Some credit cards may have an annual fee, while others may offer fee waivers based on spending patterns.

5. How do I earn rewards on the Swiggy HDFC Bank Credit Card?

Cardholders can earn rewards in the form of cashback, reward points, or other benefits by using the Swiggy HDFC Bank Credit Card for eligible transactions. Typically, higher spending and specific categories may offer more rewards.

6. Can I redeem the rewards earned on the Swiggy HDFC Bank Credit Card?

Yes, you can redeem the rewards earned on the Swiggy HDFC Bank Credit Card. HDFC Bank usually provides a redemption platform where cardholders can convert their reward points into vouchers, discounts, or other offerings. Details on redemption options can be found on the HDFC Bank website.

7. What are the dining privileges offered by the Swiggy HDFC Bank Credit Card?

The dining privileges may include discounts at partner restaurants, special offers, or exclusive access to dining events. Check the terms and conditions for the specific benefits available with your Swiggy HDFC Bank Credit Card.

8. How can I track my Swiggy HDFC Bank Credit Card transactions and statements?

You can track your credit card transactions and statements through the HDFC Bank net banking portal or the mobile banking app. Additionally, you may receive monthly statements via email or physical mail, depending on your preferences.

9. What should I do if my Swiggy HDFC Bank Credit Card is lost or stolen?

If your credit card is lost or stolen, contact HDFC Bank’s customer service immediately to report the incident. The bank will guide you through the necessary steps to block the card and issue a replacement.

10. Are there any international transaction fees associated with the Swiggy HDFC Bank Credit Card?

Credit card fees, including international transaction fees, can vary. Check the terms and conditions of the Swiggy HDFC Bank Credit Card to understand any applicable fees for international transactions. It’s advisable to inform the bank about your travel plans to prevent any potential issues with international card usage.