How to Get a Swiggy HDFC Bank Credit Card
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What is Swiggy HDFC Bank Credit Card
The Swiggy HDFC Bank Credit Card is a co-branded credit card designed to enhance the experience of Swiggy users and frequent online shoppers. This card offers exclusive benefits such as cashback, discounts, and reward points on Swiggy food orders, dining, grocery shopping, and more. It is tailored to maximize savings for food lovers by providing attractive deals on every transaction made through the Swiggy platform. Additionally, cardholders enjoy benefits like accelerated rewards on dining and entertainment expenses, along with access to HDFC Bank’s robust network of offers and privileges. The Swiggy HDFC Bank Credit Card also features seamless application and approval processes, ensuring convenience for users. Whether ordering your favorite dish, booking a table, or shopping online, this credit card gives you the most value out of your spending. It’s the ultimate financial tool for those who love food and convenience.
How to Get a Swiggy HDFC Bank Credit Card
Getting the Swiggy HDFC Bank Credit Card is a straightforward process. Start by checking your eligibility, which typically includes factors like age, income, and a good credit score. Once eligible, visit the official HDFC Bank website or a nearby branch to find the application link for the Swiggy HDFC Bank Credit Card. Fill out the application form with your details, income proof, and required documents. Alternatively, you can also apply through Swiggy’s platform if they offer a direct link. After submitting your application, HDFC Bank will verify the details, and upon approval, the card will be issued and sent to your registered address. With this card, you can unlock exciting rewards on Swiggy orders, dining, and more, making it a perfect choice for food lovers and smart shoppers. Apply today to enjoy its exclusive benefits!
The Swiggy HDFC Bank Credit Card is a must-have for foodies and online shoppers. It offers exciting rewards, cashback, and exclusive Swiggy benefits, making it a popular choice. Here’s how you can apply for this card:
- Eligibility Check: Ensure you meet HDFC Bank’s criteria, such as age, income, and credit score requirements.
- Visit the HDFC Website: Go to the official HDFC Bank website and navigate to the credit cards section.
- Locate Swiggy HDFC Card: Search for the Swiggy HDFC Bank Credit Card and click on “Apply Now.”
- Fill out the Application: Provide personal details, income proof, and required documents.
- Verification & Approval: Wait for verification and approval. Post-approval, your card will be delivered.
What is the Benefits of Swiggy HDFC Credit Card
| Benefit | Details |
| Cashback on Swiggy Orders | Earn exclusive cashback and rewards on food orders placed through the Swiggy platform. |
| Reward Points | Accumulate reward points for dining, groceries, and entertainment expenses. |
| Discounts on Dining | Enjoy discounts and deals at partner restaurants and eateries. |
| Accelerated Rewards | Get higher reward rates on Swiggy transactions and dining compared to other spends. |
| Welcome Benefits | Receive bonus rewards or cashback upon successful issuance of the credit card. |
| Annual Fee Waiver | Waive the annual fee by meeting the minimum annual spending criteria. |
| Easy Application | Simple online application process with quick approvals and minimal documentation. |
| HDFC Partner Offers | Avail exclusive HDFC Bank discounts across multiple brands and merchants. |
| Secure Transactions | Benefit from HDFC Bank’s secure payment systems and fraud protection. |
| Global Acceptance | Use the card internationally, making it ideal for travel and shopping abroad. |
How to get Swiggy HDFC Credit Card Lifetime Free
To get the Swiggy HDFC Credit Card Lifetime Free, you need to explore promotional offers or special tie-ups between HDFC Bank and Swiggy. Occasionally, HDFC Bank or Swiggy may run campaigns waiving the joining and annual fees, allowing users to enjoy the card’s benefits without any charges. Another way to make the card effectively free is by meeting the annual spending criteria, which typically waives the annual fee. For example, if you spend ₹1,50,000 or more in a year using the card, the annual fee is waived, making it cost-free for that year. Additionally, keep an eye on HDFC Bank’s festive offers or Swiggy-exclusive deals where such lifetime-free options may be offered. Regular usage and timely payments can also help you negotiate with the bank for a fee waiver. This way, you can maximize savings while enjoying the card’s exclusive perks.
How Many Limits of Swiggy HDFC Credit Card
The credit limit of the Swiggy HDFC Credit Card varies for each user and is determined by HDFC Bank based on several factors. These include your credit score, income, repayment history, and overall financial profile. Typically, HDFC Bank assigns a credit limit that aligns with your ability to repay and past credit behavior. While the exact limit is communicated at the time of card issuance, it can range from a few thousand to several lakhs, depending on your eligibility.
If you find the assigned limit insufficient, you can request an increase after demonstrating consistent usage and timely payments over time. HDFC Bank periodically reviews your credit history and may enhance your limit automatically if you qualify. For specific details about your Swiggy HDFC Credit Card limit, you can check via the HDFC Bank mobile app, net banking, or by contacting customer support.
Swiggy HDFC Credit Card Charges
| Charge Type | Amount/Details |
| Joining Fee | ₹500 + GST (May vary based on promotions). |
| Annual Fee | ₹500 + GST (Waived if annual spending exceeds ₹1,50,000). |
| Interest Rate | 3.6% per month (or 43.2% per annum). |
| Cash Advance Fee | 2.5% of the amount withdrawn (minimum ₹500). |
| Late Payment Fee | Ranges from ₹100 to ₹1300, depending on the outstanding balance. |
| Overlimit Fee | 2.5% of the over-limit amount (minimum ₹500). |
| Foreign Transaction Fee | 3.5% of the transaction amount for international transactions. |
| Card Replacement Fee | ₹100 (Domestic) or ₹1,000 (International). |
| Rewards Redemption Fee | ₹99 + GST per redemption request. |
How to get Cashback with Swiggy HDFC Credit Card
Getting cashback with the Swiggy HDFC Credit Card is easy and rewarding. The card is designed to offer cashback on a variety of transactions, especially on Swiggy orders. To earn cashback, simply use your Swiggy HDFC Credit Card for payments on the Swiggy platform. The cashback percentage may vary depending on the type of transaction, such as food delivery, Swiggy Instamart, or dining. Additionally, the card offers cashback on specific categories like groceries, dining, and entertainment when used at eligible outlets or platforms.
Ensure you meet any minimum spending requirements specified by HDFC Bank to qualify for maximum cashback benefits. Cashback earned is typically credited as reward points or directly to your card statement, depending on the terms. Regularly check the Swiggy and HDFC Bank platforms for promotional offers to boost your cashback earnings and maximize the value of your Swiggy HDFC Credit Card.
How to Apply Swiggy HDFC Credit Card
Applying for the Swiggy HDFC Credit Card is a simple process that can be completed online or offline. Here’s how you can apply:
Online Application:
- Visit the official HDFC Bank website and navigate to the credit cards section.
- Search for the Swiggy HDFC Credit Card and click on “Apply Now.”
- Fill in the required details, including your personal information, income proof, and contact details.
- Submit the necessary documents as prompted.
Through Swiggy:
- Check the Swiggy app or website for any direct application link for the card.
- Follow the instructions to apply seamlessly.
Offline Application:
- Visit the nearest HDFC Bank branch.
- Request the application form for the Swiggy HDFC Credit Card.
- Fill out the form and provide the required documents.
After submitting your application, HDFC Bank will verify your details, and upon approval, the card will be delivered to your address.
What is the Eligibility Criteria for Swiggy HDFC Credit Card
The eligibility criteria for the Swiggy HDFC Credit Card ensure that applicants have a stable financial profile and good creditworthiness. To qualify, you must be an Indian resident and meet the age requirements—generally, between 21 and 60 years for salaried individuals and up to 65 years for self-employed applicants. A stable source of income is essential, with specific minimum income levels varying based on whether you are salaried or self-employed. Additionally, a good credit score (typically 700 or above) is crucial to increase the chances of approval.
Applicants must also provide essential documents like identity proof (e.g., Aadhaar or PAN card), address proof, income proof (salary slips or ITR), and a passport-sized photograph. Meeting these criteria improves your chances of obtaining the Swiggy HDFC Credit Card, enabling you to enjoy its exclusive rewards and benefits.
Required Age: 21-65 years
Employment status: Salaried or Self-Employed
Minimum Income: Rs 25,000 per month (Salaried)
Minimum ITR: Rs 6,00,000 per annum (Self-Employed)
Cibil- 750+
New to Credit allowed for Salaried & Self-Employed both
DOCUMENTS NEEDED
ID Proof: PAN Card/Form 60
Address Proof: Aadhaar, Passport, or utility bills
Income Proof: Bank statements or salary slips
Photograph: Recent passport-sized photo
Swiggy HDFC Credit Card Review
The Swiggy HDFC Credit Card has garnered positive reviews from users who find it particularly beneficial for those frequently ordering food through Swiggy and shopping online. Cardholders enjoy a variety of perks such as 10% cashback on Swiggy transactions, including food orders and Instamart, which can amount to up to Rs. 1,500 per month
Additionally, there’s a 5% cashback on online spending across major platforms like Amazon and Flipkart, along with a 1% cashback on other expenses. The card also offers a complimentary 3-month Swiggy One membership upon joining and a waiver of the annual fee if spending criteria are met annually.
However, it’s worth noting that the card does not offer international lounge access, insurance benefits, or fuel surcharge waivers.
The foreign transaction fee is set at 3.5%, which may deter frequent overseas spenders. Despite these limitations, the card remains a strong choice for food enthusiasts looking to maximize their rewards on everyday expenses and dining