HDFC Financial institution has very many rewarding bank cards with them and the current addition to the listing is the Swiggy HDFC Financial institution Credit score Card – a pleasant and noteworthy co-brand eating bank card.
HDFC Swiggy Credit score Card that operates on Mastercard World platform gives 10% cashback on Swiggy spends and 5% cashback on on-line spends.
Right here’s all the things you’ll want to know in regards to the HDFC Financial institution Swiggy Credit score Card in it’s present kind in 2025.
Overview
| Sort | Cashback Credit score Card |
| Reward Charge | Upto 10% |
| Greatest for | Swiggy & On-line Spends |
| USP | 10% Cashback on Grocery (on Swiggy Instamart) |
With the current replace, cashback on HDFC Swiggy Credit score Card spends is now credited on to the cardboard after assertion era.
Charges
| Becoming a member of Payment | 499 INR+GST (FYF Or LTF in addition to per the profile) |
| Welcome Profit | Swiggy One Membership (3 months) |
| Renewal Payment / Annual Payment | 499 INR+GST |
| Renewal Profit | – |
| Renewal Payment waiver | Spend 2 Lakhs |
Appears just like the financial institution decides the LTF provide and this may be confirmed as properly from many studies stating that they’re not getting LTF provide even after having heavy utilization on Swiggy. But it surely’s an awesome card even with a charge, so something higher than that’s good to have.
*** Greatest Credit score Card for Newcomers ***
Design
The HDFC Swiggy Credit score Card has a vibrant, eye-catching design that stands out each indoors and open air. Even the envelope carrying the cardboard follows the identical color theme.
Rewards
| SPEND TYPE | CASHBACK % | Max Cap on Cashback |
|---|---|---|
| Swiggy Spends | 10% | 1500 INR (15,000 INR Spend) |
| On-line Spends | 5% | 1500 INR (30,000 INR Spend) |
| Different Spends | 1% | – |
- Cashback will get credited to assertion instantly
- Swiggy spends consists of: Meals, Instamart, Dineout & Genie.
- On-line Spends consists of: most on-line purchasing spends.
The month-to-month cashback cap is well-structured for a typical consumer, making certain it doesn’t really feel restrictive. Word that it’s a separate cap for Swiggy/On-line spends.
Determining what counts as a web-based spend may be difficult, however from what I’ve seen, it really works properly on well-liked purchasing websites like Amazon, Flipkart, Myntra, and even Ola – masking nearly all the things you would possibly want.
Right here’s the newest listing of eligible classes (MCC codes), however it could change over time.
Exclusions:
- From 1% cashback: Hire, Utilities, Gasoline, Insurance coverage, EMI, Jewellery, Govt spends, Pockets hundreds, and many others
- From 5% cashback: Flight, resort bookings, and many others
The exclusions for 1% cashback appear affordable, however for five% on-line spends, an exclusion-based strategy as an alternative of an inclusion-based one would have made issues a lot less complicated.
Swiggy One
The HDFC Swiggy Credit score Card features a 3-month complimentary Swiggy One membership. Current Swiggy One members can merely lengthen their membership by 3 months.
Whereas it is a good perk, an extended membership interval would have made the profit much more helpful.
Golf Profit
The Swiggy HDFC Financial institution Credit score Card is issued on the Mastercard World platform and consists of complimentary entry to golf programs in India, with as much as 12 free golf classes per yr.
It’s a wise transfer that they skipped free airport lounge entry, more likely to preserve prices in verify.
FAQ’s
Can I exploit the cardboard on totally different Swiggy Account?
Sure, when you’ve got a card, you need to use it each in your account and your loved ones accounts. You may as well go together with an Add-on Card, identical to how I did.
Can I load Swiggy Cash Pockets and get cashback?
No, excluded for cashback.
I have already got a HDFC Financial institution Credit score Card. Can I nonetheless apply?
Sure, lately HDFC financial institution offers 1 or 2 co-brand playing cards on floater restrict with the present bank card.
How do I do know MCC code earlier than making the transaction?
Effectively, there isn’t any manner sadly. However you possibly can at all times do a check transaction, name HDFC Financial institution help and ask for MCC. That works flawlessly for many.
Can I purchase Present Playing cards on Amazon and get 5% cashback?
It relies upon. Amazon incessantly switches cost gateways, so that you’ll solely know after the transaction. Nevertheless, checking the service provider identify on the OTP web page would possibly offer you a touch to extend your possibilities.
Bottomline
The HDFC Financial institution Swiggy Credit score Card is a pleasant and noteworthy no-frills cashback bank card that primarily focuses on rewarding cardholders with Swiggy/on-line spends.
Given the convenience of making use of and managing the cardboard from the app, HDFC Swiggy Credit score Card is a superb bank card for newcomers.
For these with larger on-line spends, pairing it with SBI Cashback Credit score Card or Amex MRCC could be a sensible transfer for maximizing rewards.