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 presents 10% cashback on Swiggy spends and 5% cashback on on-line spends.
Right here’s all the things it is advisable to know concerning the HDFC Financial institution Swiggy Credit score Card in it’s present type 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 technology.
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 |
Seems just like the financial institution decides the LTF provide and this may be confirmed as nicely from many experiences stating that they’re not getting LTF provide even after having heavy utilization on Swiggy. Nevertheless it’s an ideal card even with a payment, so something higher than that’s good to have.
*** Greatest Credit score Card for Learners ***
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 buying spends.
The month-to-month cashback cap is well-structured for a typical consumer, making certain it doesn’t really feel restrictive. Notice that it’s a separate cap for Swiggy/On-line spends.
Determining what counts as a web-based spend will be tough, however from what I’ve seen, it really works nicely on standard buying websites like Amazon, Flipkart, Myntra, and even Ola – overlaying virtually all the things you would possibly want.
Right here’s the most recent listing of eligible classes (MCC codes), however it might change over time.
Exclusions:
- From 1% cashback: Hire, Utilities, Gasoline, Insurance coverage, EMI, Jewellery, Govt spends, Pockets hundreds, and so on
- From 5% cashback: Flight, resort bookings, and so on
The exclusions for 1% cashback appear cheap, however for five% on-line spends, an exclusion-based strategy as a substitute of an inclusion-based one would have made issues a lot easier.
Swiggy One
The HDFC Swiggy Credit score Card features a 3-month complimentary Swiggy One membership. Present Swiggy One members can merely prolong their membership by 3 months.
Whereas it is a good perk, an extended membership interval would have made the profit much more beneficial.
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 12 months.
It’s a wise transfer that they skipped free airport lounge entry, more likely to maintain prices in examine.
FAQ’s
Can I exploit the cardboard on completely different Swiggy Account?
Sure, you probably have a card, you should use it each in your account and your loved ones accounts. You can too 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, as of late HDFC financial institution provides 1 or 2 co-brand playing cards on floater restrict with the prevailing bank card.
How do I do know MCC code earlier than making the transaction?
Nicely, there is no such thing as a manner sadly. However you’ll be able to all the time do a check transaction, name HDFC Financial institution assist and ask for MCC. That works flawlessly for many.
Can I purchase Reward Playing cards on Amazon and get 5% cashback?
It relies upon. Amazon often switches cost gateways, so that you’ll solely know after the transaction. Nonetheless, checking the service provider identify on the OTP web page would possibly offer you a touch to extend your probabilities.
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 benefit of making use of and managing the cardboard from the app, HDFC Swiggy Credit score Card is an excellent bank card for learners.
For these with increased on-line spends, pairing it with SBI Cashback Credit score Card or Amex MRCC is usually a good transfer for maximizing rewards.
