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 provides 10% cashback on Swiggy spends and 5% cashback on on-line spends.
Right here’s every little thing you want to know concerning the HDFC Financial institution Swiggy Credit score Card in it’s present kind in 2025.
Overview
| Kind | Cashback Credit score Card |
| Reward Price | Upto 10% |
| Finest 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 Price | 499 INR+GST (FYF Or LTF in addition to per the profile) |
| Welcome Profit | Swiggy One Membership (3 months) |
| Renewal Price / Annual Price | 499 INR+GST |
| Renewal Profit | – |
| Renewal Price waiver | Spend 2 Lakhs |
When you’re already utilizing Swiggy, chances are high you’ll not less than discover the First 12 months Free (FYF) provide on the app.
When you’re a heavy person, then there are excessive probabilities that you just would possibly get the LTF (LifeTime Free) provide as effectively.
*** Finest 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 straight
- Swiggy spends contains: Meals, Instamart, Dineout & Genie.
- On-line Spends contains: 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. Notice that it’s a separate cap for Swiggy/On-line spends.
Determining what counts as a web based spend could be difficult, however from what I’ve seen, it really works effectively on in style procuring websites like Amazon, Flipkart, Myntra, and even Ola – overlaying virtually every little thing you would possibly want.
Right here’s the newest checklist of eligible classes (MCC codes), however it could change over time.
Exclusions:
- From 1% cashback: Lease, Utilities, Gas, Insurance coverage, EMI, Jewellery, Govt spends, Pockets masses, and many others
- From 5% cashback: Flight, lodge bookings, and many others
The exclusions for 1% cashback appear affordable, however for five% on-line spends, an exclusion-based strategy as a substitute 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 precious.
Golf Profit
The Swiggy HDFC Financial institution Credit score Card is issued on the Mastercard World platform and contains 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 test.
FAQ’s
Can I exploit the cardboard on totally different Swiggy Account?
Sure, if in case you have a card, you need to use it each in your account and your loved ones accounts. You can too go along 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 present bank card.
How do I do know MCC code earlier than making the transaction?
Properly, there isn’t any approach 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 Present Playing cards on Amazon and get 5% cashback?
It relies upon. Amazon often switches fee gateways, so that you’ll solely know after the transaction. Nonetheless, checking the service provider title 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 rookies.
For these with greater on-line spends, pairing it with SBI Cashback Credit score Card or Amex MRCC generally is a good transfer for maximizing rewards.