Swiggy HDFC Bank Credit Card: Exclusive Benefits

Table of Contents

Summary

The Swiggy HDFC Bank Credit Card is a rich credit card, especially designed for foodies and frequent online consumers. With its impressive list of benefits, ordering food, dining out, and regular purchases are now more pleasant and economical.

The Credit card earns 5% cashback on Swiggy orders and thus is an ideal option for repeated food ordering or grocery shopping using Swiggy. Cardmembers also earn cashback of 1% on all transactions, cutting costs on many transactions a day. Another big advantage is the reward of exclusive Swiggy vouchers and discounts that augment food ordering. The card also includes dining benefits, allowing the cardmember to take advantage of discounts on certain restaurants.

Other than food rewards, the card also provides several additional beneficial advantages of fuel surcharge waivers and lounge access at airports, which prove to be a convenience for customers. The convenience of converting large purchases into easy EMIs gives payment management its flexibility. Swiggy vouchers and reward points are also available as welcome benefits for new users, making it that much more desirable while taking out the card.

Introduction

The Swiggy HDFC Bank Credit Card is made to serve the food enthusiasts and regular online shoppers. With a host of unique benefits, this credit card turns ordering food or grocery shopping into a rewarding experience. Whether you are a regular customer of Swiggy or a person who likes to dine out or order food online, this card offers a host of benefits that will make your meals more enjoyable.

One of the most impressive aspects of the Swiggy HDFC Bank Credit Card is the reward points system. Customers earn reward points on every purchase that they make, which they can redeem for cashback, discounts, or other fascinating deals at a later point. The card also provides amazing discounts on food ordering and eating out, making it an ideal travel partner for food enthusiasts.

Besides the benefits of food and dining, the card also offers a series of lifestyle benefits, including shopping and fuel purchase incentives in terms of cashbacks, and travel booking discounts, along with other special offers for entertainment purchases. The fuel surcharge exemption and convenient conversion to EMI options also add to the convenience and value of the card.

In this article, we will see the different exclusive advantages of the Swiggy HDFC Bank Credit Card, how to get it, and why it could be the best option for your daily transactions.

What is the Swiggy HDFC Bank Credit Card?

The Swiggy HDFC Credit Card is a unique credit card created by HDFC Bank in association with Swiggy. The card is exclusively for foodies who enjoy ordering food online. The card offers numerous advantages and rewards, especially to regular buyers who order food or groceries on Swiggy.

Cardholders earn reward points for every transaction, and they are able to save money on food delivery and dine-out offers. Apart from food-benefit rewards, the card is useful while shopping, refilling, and indulging in leisure activities. The card is well-suited for anyone who wants to make ordering food and their everyday spending rewarding experiences.

What is the design of the Swiggy HDFC Bank Credit Card?

The Swiggy HDFC Credit Card possesses a lively and vibrant appearance that is a precise image of its identity with Swiggy, the country’s popular food delivery portal. The card’s look is designed in such a way that it becomes a favorite for foodies as well as for shoppers who order food online, thus giving it a well-deserved image of the brand. Additionally, the card envelope also maintains the same color scheme, offering a cohesive and appealing appearance.

This design approach not only renders the card good looking but also improves the overall customer experience, and thus a stylish and efficient addition for customers constantly using Swiggy’s services.

What are the benefits of the Swiggy HDFC Bank Credit Card?

Some of the best benefits of this card are as follows:

Reward Points on Swiggy Order: Cardholders receive a 5% cash back on Swiggy orders, ideal for regular online food ordering.

Rewards on Other Transactions: You also receive 1% cash back on all other transactions, such as shopping, fuel, etc.

Exclusive Swiggy Offer: Get Swiggy vouchers and deals for food delivery discounts, cutting down the cost of the meal even more.

Dining Privileges: Get discounted prices at specific restaurants, and you can dine out at a cost-effective price.

Fuel Surcharge Waiver: The card provides you with a waiver of the fuel surcharge, which is a cost-saving measure when you refuel your car.

Airport Lounge Privileges: The members have free access to specified airport lounges, therefore simplifying flight travel.

Flexible payment systems allow you to convert big outlays into simple EMIs.

Usually, welcome benefits for new members are Swiggy vouchers or reward points as a goodwill gesture.

What are the fees for the Swiggy HDFC Bank Credit Card?

Here is a simple Swiggy HDFC Credit Card fee breakup.

Joining Fee	₹500 plus GST
Annual Fee	₹500 plus GST
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.75% per month (45% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Swiggy HDFC Bank Credit Card?

The following are the primary requirements:

To apply for the Swiggy HDFC Bank Credit Card, you must be between 18 and 70 years old.

The income requirement differs according to your employment status:

Self-Employed Professionals: A minimum Annual income of Rs 1 lakh usually does the job.

A secured income ensures regular, timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

Your credit score plays a role in the selection process. It is a tendency for HDFC Bank to favor borrowers with a better credit score, usually above 750.

You must be an Indian resident and have valid address proof within the country.

A salaried person must be employed with a reputable company or organization. The bank can ask you for documents like your salary slip or employment letter.

A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good, consistent income. This may be your income tax returns and bank statements.

What documents are required to get a Swiggy HDFC Bank Credit Card?

The documents that you will have to submit to get a Swiggy HDFC Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Swiggy HDFC Bank Credit Card be used?

Here is the list of places where you can use it:

With the Swiggy HDFC Bank Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

You can use your Swiggy HDFC Bank Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

The Swiggy HDFC Bank Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Swiggy HDFC Bank Credit Card?

The credit limit of the Swiggy HDFC Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.

If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call HDFC Bank once you have made your application.

How do you apply for a Swiggy HDFC Bank Credit Card?

Apply it through both these modes:

Online Application Process

Visit the official website of HDFC Bank, i.e.

Go to ‘Cards’, followed by ‘Credit Cards’.

On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the Swiggy HDFC Bank Credit Card.

Just hover your cursor on the Swiggy HDFC Bank Credit Card, followed by selecting ‘Apply Now‘ from there.

You will be asked to fill out your details, including your name, contact information, income details, and employment status.

Be accurate and updated with the information provided.

You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

After filling out the details and uploading the documents, review your application to make sure everything is correct.

Apply online through the application form.

The bank will check your application after you submit it. They can ask for extra documents or information if required.

You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

You can walk into the nearest HDFC Bank branch to apply for the Swiggy HDFC Credit Card.

Request for the credit card application form for the Swiggy HDFC Credit Card. They will provide you with the form and proceed accordingly.

Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

Your application will be processed, and your information will be cross-checked at the bank level.

In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

You will receive the Swiggy HDFC Credit Card by post at the same postal address.

Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website or mobile app, or by calling customer service.

For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Swiggy HDFC Bank Credit Card in 2025 be right?

Yes, the Swiggy HDFC Credit Card in 2025 can prove to be a good option if you eat, watch movies, and shop excessively. The card provides beneficial rewards such as savings on movie tickets, additional points on dining, and lifestyle privileges.

If you pay with your credit card frequently for such purchases, you can save a lot of money in the long term. The yearly fee is low and can be exempted if you spend sufficiently within the year. Just ensure you pay your bills in time to prevent fees. So, if your usage pattern is compatible with the rewards of this card, it can be a good choice for 2025.

Conclusion

Overall, the Swiggy HDFC Bank Credit Card is the best option for foodies, online shoppers, and experience enthusiasts. With its distinguishing features such as cashback on Swiggy spends, reward points on regular spends, and dining benefits, the card is designed to meet the needs of foodies and regular online shoppers. The additional benefits of waiver of fuel surcharge, access to airport lounges, and convenient EMI facilities make it a better choice for those who wish to save money and avail high-end service in their daily life.

Whether you are ordering from Swiggy, filling petrol for your vehicle, or buying something big, this card helps you to get the best out of every transaction. With the welcome rewards and reward points system, it’s clear that the card not only makes your spending convenient but also wonderful savings and rewards.

If you are one who orders food online frequently, such as dining out, or shop regularly, the Swiggy HDFC Bank Credit Card could be your best companion. It’s designed to enhance your lifestyle while rewarding you for your daily spending. With all the advantages it has to offer, this card could very well make your food ordering and shopping more rewarding and cost-effective.

Frequently Asked Questions (FAQ’s)

Que: What are the advantages of the Swiggy HDFC credit card?

Ans: Cardholders get 10% cashback on all Swiggy platforms, such as food ordering, Instamart, Dineout, and Genie. Moreover, the card’s increased 5% cashback on other online spends is a good plus point, considering the card has a minimal annual fee of Rs. 500.

Que: Can I convert my purchases to EMI?

Ans: Yes, HDFC Bank facilitates easy EMI conversion for eligible purchases made on this credit card.

Que: What if I lose my credit card?

Ans: In case you lose your card, call the HDFC customer care immediately. After reporting, you will have zero liability for any unauthorized transactions.

Que: Is there a fuel surcharge waiver?

Ans: Yes, you enjoy a 1% fuel surcharge waiver for payments between ₹400 and ₹5,000. The waiver is ₹250 per month.

Que: How do I apply for the credit card?

Ans: You may apply online through HDFC Bank’s website or the Tata Neu app. You’ll have to fulfill simple conditions such as age, income, and credit score.