HDFC Financial institution has very many rewarding bank cards with them and the current addition to the checklist 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 every thing you must know concerning the HDFC Financial institution Swiggy Credit score Card in it’s present type in 2025.
Overview
| Sort | Cashback Credit score Card |
| Reward Price | 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 Charge | 499 INR+GST (FYF Or LTF in addition to per the profile) |
| Welcome Profit | Swiggy One Membership (3 months) |
| Renewal Charge / Annual Charge | 499 INR+GST |
| Renewal Profit | – |
| Renewal Charge waiver | Spend 2 Lakhs |
When you’re already utilizing Swiggy, chances are high you’ll not less than discover the First Yr Free (FYF) provide on the app.
When you’re a heavy person, then there are excessive possibilities that you simply would possibly get the LTF (LifeTime Free) provide as nicely.
*** Greatest Credit score Card for Novices ***
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design.jpg” alt=”HDFC Swiggy Credit score Card” class=”wp-image-17568″ srcset=”https://www.cardexpert.in/wp-content/uploads/2025/02/hdfc-swiggy-credit-card-design.jpg 1024w, https://www.cardexpert.in/wp-content/uploads/2025/02/hdfc-swiggy-credit-card-design-300×225.jpg 300w, https://www.cardexpert.in/wp-content/uploads/2025/02/hdfc-swiggy-credit-card-design-768×576.jpg 768w, https://www.cardexpert.in/wp-content/uploads/2025/02/hdfc-swiggy-credit-card-design-665×499.jpg 665w” sizes=”(max-width: 1024px) 100vw, 1024px”/>The HDFC Swiggy Credit score Card has a vibrant, eye-catching design that stands out each indoors and outside. 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 straight
- Swiggy spends consists of: Meals, Instamart, Dineout & Genie.
- On-line Spends consists of: most on-line procuring spends.
The month-to-month cashback cap is well-structured for a typical person, guaranteeing it doesn’t really feel restrictive. Be aware that it’s a separate cap for Swiggy/On-line spends.
Determining what counts as an internet spend will be tough, however from what I’ve seen, it really works nicely on standard procuring websites like Amazon, Flipkart, Myntra, and even Ola – protecting nearly every thing you would possibly want.
Right here’s the newest checklist of eligible classes (MCC codes), however it might change over time.
Exclusions:
- From 1% cashback: Lease, Utilities, Gasoline, Insurance coverage, EMI, Jewellery, Govt spends, Pockets hundreds, and so forth
- From 5% cashback: Flight, lodge bookings, and so forth
The exclusions for 1% cashback appear cheap, 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 prolong their membership by 3 months.
Whereas this can be 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 12 months.
It’s a sensible transfer that they skipped free airport lounge entry, more likely to preserve prices in test.
FAQ’s
Can I exploit the cardboard on completely 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 also go together with an Add-on Card, similar 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?
Effectively, there isn’t a means sadly. However you’ll be able to all the time do a take a look at transaction, name HDFC Financial institution assist 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 continuously switches cost gateways, so that you’ll solely know after the transaction. Nonetheless, checking the service provider title on the OTP web page would possibly provide you with 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 benefit of making use of and managing the cardboard from the app, HDFC Swiggy Credit score Card is a superb bank card for freshmen.
For these with greater on-line spends, pairing it with SBI Cashback Credit Card or Amex MRCC generally is a good transfer for maximizing rewards.
