Welcome Benefits

Other Benefits

• Cashback on Swiggy Transactions: Cardholders earn a generous 10% cashback on transactions made through the Swiggy app, including food ordering, Instamart, Dineout, and Genie. This cashback is subject to a monthly cap of Rs. 1,500. However, transactions made via Swiggy Money Wallet, Liquor, and Minis are excluded from this benefit.
• Cashback on Online Spends: The card offers a 5% cashback on online spends across various categories, including popular e-commerce platforms like Amazon, Flipkart, Myntra, Nykaa, Ola, and Uber. This cashback is also subject to a monthly cap of Rs. 1,500.
• Cashback on Other Spends: Cardholders earn a 1% cashback on all other categories of spending, including offline transactions, with a monthly cap of Rs. 500. However, certain spending categories like fuel, rent, EMIs, jewellery, wallet transactions, government-related transactions, and specific Swiggy services (Swiggy Money wallet, Swiggy Minis, Swiggy Liquor) are excluded from earning cashback.
• Cashback Redemption: The earned cashback is now credited directly to the credit card account, reducing the statement balance, rather than being shown as Swiggy Money on the Swiggy app.
• Renewal Fee Waiver: The annual fee of Rs. 500 is waived off if the cardholder spends Rs. 2 lakh or more in a year, excluding transactions like Cash on Call, cash withdrawal, and balance transfer.
• Additional Benefits:
  • Easy EMI: Option to convert purchases into easy EMIs
  • Complimentary Add-on Cards: Up to three complimentary add-on cards
  • Zero Lost Card Liability: Immediate reporting of lost cards results in zero liability for unauthorised transactions

• Cashback Benefits: Enjoy 10% cashback on Swiggy app transactions, including food ordering, Instamart, Dineout, and Genie, up to Rs. 1,500 per billing cycle. Additionally, get 5% cashback on various online categories such as apparel, electronics, personal care, cabs, home décor, pet stores and supplies, pharmacies, etc. up to Rs. 1,500 per billing cycle. For other categories, excluding Fuel, Rent, Wallet, EMI, Jewellery, and Government transactions, earn 1% cashback up to Rs. 500 per billing cycle.
• Welcome Benefits: Upon card activation, receive a complimentary 3-month Swiggy One membership, offering unlimited benefits across restaurants, Instamart, and Genie orders, including free delivery and exclusive discounts.
• Additional Benefits: Enjoy up to 3 complimentary add-on cards for family members, zero lost card liability, emergency card replacement, and an interest-free credit period of up to 50 days from the date of purchase. The card also comes with Mastercard World Tier benefits, including complimentary golf lessons, discounts on Agoda, and other privileges in sports, shopping, travel, arts, and culture.
• Cashback Redemption: The cashback earned is now credited directly against the credit card statement in the subsequent month, offering more flexibility to the cardholder.

To understand the costs associated with the Swiggy HDFC Bank Credit Card, let's take a look at the fees and charges.

To activate your Swiggy HDFC Bank Credit Card, follow these simple steps:

• Make a Transaction: The easiest way to activate your card is by making a purchase or payment using the credit card.
• Use OTP or IVR: Alternatively, you can activate the card by using the OTP (One Time Password) or IVR (Interactive Voice Response) to set the PIN and enable various card controls, such as online transactions and international transactions.
• Enable Card Controls: Activate the card by enabling card controls like online transactions, international transactions, etc.
• Link the Card to the Swiggy App:
  1. Go to the Credit Card page in the Swiggy app by navigating to the Accounts section and clicking on "Swiggy HDFC Bank Credit Card".
  2. At the bottom of the page, click on the "Link Your Card to Swiggy" button.
  3. Enter your mobile number and submit the OTP you receive.
  4. Once the OTP is verified, the card linking process is complete.

After activating the card, remember to claim the complimentary Swiggy One Membership on the Swiggy app within 2-3 days. This membership provides unlimited free deliveries and exclusive discounts on Swiggy orders.

The Swiggy HDFC Bank Credit Card offers an attractive cashback program. Here's how you can redeem the points earned through cashback:

• Statement Credit: As of June 21, 2024, the cashback earned will be credited as a statement credit against the outstanding amount due on the card, excluding any financial charges. This change provides more flexibility in utilizing the cashback earned.
• Previous Redemption Method: Prior to this change, cashback was credited as Swiggy Money, which could only be used for food delivery orders on Swiggy, Instamart, Dineout, and Genie. However, this method has been updated to provide more versatility.

To effectively track and utilize your cashback:

• Monitor Statements: Keep track of your expenditures and cashback earnings through the detailed statements provided by HDFC Bank. This helps in managing your finances effectively and ensuring you maximize your rewards.
• Redemption Options: You can redeem the cashback as a statement credit, which reduces the outstanding amount on your card. This change allows for more versatile use of the cashback earned.

By following these steps, you can easily activate your Swiggy HDFC Bank Credit Card and make the most of the cashback rewards program.