Swiggy HDFC Bank Credit Card

Key Highlights of Swiggy HDFC Bank Credit Card

• 10% cashback on Swiggy Application.
• 5% cashback on online spends on selected merchant Categories.
• 1% cashback on other categories.
• Get 12% discount on hotel bookings through Agoda.
• Complimentary SwiggyOne Membership for 3 months.
• Eligible for welcome benefits on card activations.
• Card activation
• Make a transaction using credit card.
• To make use of the card through an OTP or IVR, you
• You can make use of the card through an OTP or IVR, setting PIN for the card and enable various card controls like online transactions.

Features & Benefits of Swiggy HDFC Bank Credit Card

Zero Lost Card Liability: On loss of the card, make sure you report it within 24 hours to the HDFC bank call centre. This will save you from the loss of card liability charges.

Interest-Free Credit Period: Enjoy interest-free period of 50 days on your Swiggy HDFC Bank credit card from the date of purchase.

Revolving Credit: You can avail the revolving credit facility that comes at a nominal interest rate to your HDFC Swiggy credit card.

Welcome Benefit:

• Get a complimentary SwiggyOne membership for three months as a welcome benefit. This membership will earn you free delivery and exclusive discounts from various restaurants.
• You can activate the SwiggyOne membership by:
• Making a transaction through the credit card.
• You can use the card through OTP or IVR, set the PIN for the card, and enable card controls like online transactions, and enabling international transactions.

Cashback Benefits:

• Enjoy 10% cashback on Swiggy app transactions. This includes food ordering, Instamart, Dineout, and Genie. This is up to Rs.1500 per billing cycle.
• Get a 5% off on purchase of other personal care products, home decor, pet stores and supplies, electronics, pharmacies, etc. This is allowed up to Rs.1500 per statement cycle.
• The cashback earned is credited in the subsequent month credit card cycle.

Renewal Offer:

• You can get the renewal fee waiver on spending Rs.2,00,000 and above in the previous calendar year.

Contactless Payments:

• Your Swiggy HDFC Bank credit card can be used for contactless payments. This aims in makings fast, convenient, and secure payments across retail outlets.

Smart EMI Facility:

• Convert purchases across categories like groceries, Insurance, Medical, Petrol, Travel, Education, and much more. Processing fees starts at Rs.849.
• Convert your big spendings into smarter EMI @9.99% p.a.
• Choose a repayment tenure between 6 and 48 months.
• Balance Transfer on EMI – 1% of the loan amount with a minimum of Rs.250.

Mastercard Golf Benefits:

• Access to Golf Courses worldwide with free 12 golf lessons per year.
• 4 complimentary golf rounds per calendar year.
• Beyond the complimentary rounds, avail 50% off on the Golf green fees.

Add-on Cards:

• Get 3 complimentary add-on cards to family members.

Swiggy HDFC Bank Credit Card Fees & Charges

• Joining/Renewal Membership Fee – Rs.500 + Applicable Charges
• Spend Rs.2,00,000 or more during the previous year and get the renewal fee waived this year. Some expenses that could be excluded from the list includes: cash on call, balance transfer, and cash withdrawal.

Eligibility Criteria

The following are theeligibility criteria available that needs to be met by individuals in order to earn the Swiggy HDFC Bank Credit Card They are:

For Salaried Professionals:

• Age: Minimum 21 years and Maximum 60 years old.
• Salary: Needs to be greater than Rs.15,000.

For Self-employed:

• Age: Minimum 21 years and Maximum 65 years old.
• ITR > Rs. 6 Lakhs per annum.

Documents Required

The following are the list of documents required for the Swiggy HDFC Bank credit card. They are:

• Identity Proof: Aadhar card, Passport, Driving License, Voters ID card
• Address Proof: Aadhar card, Passport, Driving License, Bank statement with address, Utility bills
• Income Proof:
• For Salaried Professionals: Last 6 months bank statements, Form 16, latest salary slips.
• For Self-Employed Professionals: Income Tax Returns or Statements relating to business transactions.
• Other Proof: Passport Size photographs, Indian national between the age of 21 and 65 years.
• Can be self-employed or salaried professionals.

How to Apply for Swiggy HDFC Bank Credit Card Online

The Swiggy HDFC Bank credit card is given to individuals only on invitation basis. If you are on the list of invitees, you can apply through the Swiggy app. The application

• Open the Swiggy app on your phone.
• Navigate to the “Accounts” section.
• You can apply through the HDFC bank website, or the mobile app or by contacting the HDFC bank’s phone banking.
• Apply through the HDFC credit card option and click on it.
• Locate the Swiggy HDFC bank credit card.
• In the online application form, you need to feed in the PAN number and mobile number.
• An OTP number will be generated and you need to verify your OTP number.
• Complete the KYC process. This will also involve the video KYC.
• Once the KYC and verification process is completed, you will get your credit card approved by the bank.

Comparison: Swiggy HDFC Bank Credit Card vs Other Popular Foodie Credit Cards

HDFC Bank is one of the most premium private-sector banks in India. With a wide range of products and services, HDFC offers multiple credit cards options and other products such as mutual funds, investment programs, etc. HDFC bank caters to the different needs of a multitude of customers. Its credit cards are known to offer exciting features such as free airport lounge access, waivers on fuel-surcharge, etc. With its irresistible features, the Millennia credit card is one of its most preferred credit cards among customers.

Pros & Cons of Swiggy HDFC Bank Credit Card

The following are the list of advantages of the Swiggy HDFC Bank credit card.

Pros:

• Ordering food using the Instamart/Genie/Dineout will help you to get 10% cashback
• There is a 5% cashback on other online spendings other than Swiggy.
• Rs.500 Annual fee is nominal. You can easily earn it through cashback on ordering food and various online spends.
• Free 3-month Swiggy-One membership helps you to reduce delivery fees and discounts.
• Most of the cashback return as statement credits helping you with better usability.
• Premium golf club access with the Mastercard network.
• 12% Instant discount on booking hotels through Agoda.

Cons:

• There is a monthly capping of Rs.1,500 on the cashback with 10%, 5%, and 1% on online spends.
• There is no travel or airport lounge benefits with this card.
• If there is a lot of offline spending with the card, then the return on the card is very minimal at 1%.
• Only certain categories of the Swiggy spends are valid for the cashback benefits. This is good enough for the other benefits. Some online merchants may not qualify because of the merchant or category terms.
• There is a high foreign markup fee of 3.5 % that comes with the card.
• In order to waive the Rs.500 that comes as an Annual fee, you need to spend Rs.2,00,000 in the previous year. If you are a spend thrift, this card will be profitable.