Swiggy HDFC Bank Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

As a welcome benefit, you will receive a complimentary 3-month Swiggy One Membership. You can avail a 10% cashback on all purchases made through the Swiggy app. Additionally, you will receive a 5% cashback on online spends at leading brands. For all other expenses, you will receive a 1% cashback.

The Swiggy HDFC Bank Credit Card offers a range of benefits that make it ideal for individuals who enjoy dining out and ordering food.

Priced at Rs. 500 + GST for joining and renewal fees, this card provides ample value for the price.

The card's reward system is based on cashback, making it a practical choice for many.

Upon joining, customers receive a complimentary 3-month Swiggy One Membership, enhancing their dining experience.

The card also offers a 10% cashback on Swiggy app food orders, Instamart, Dineout, and more.

Additionally, users can enjoy a 10% cashback across the Swiggy app for shopping purposes.

For online spends, the Swiggy HDFC Bank Credit Card provides a 5% cashback, while other categories offer a 1% cashback.

Travel enthusiasts can benefit from up to 5% cashback on merchants like Uber and Ola.

However, this card does not offer any lounge access facilities, both domestically and internationally.

Golf enthusiasts will appreciate the card's perk of free golf lessons (Mastercard World), adding a unique touch.

Unfortunately, this credit card does not provide any insurance benefits.

Customers spending a minimum of Rs. 2 Lakhs in a year are eligible for a renewal fee waiver, saving them a significant amount.

Additionally, there is no charge for rewards redemption.

However, it's worth noting that the card comes with a foreign currency markup of 3.5% on total transactions.

The interest rate for this card is set at 3.6% per month or 43.2% per annum.

Fuel surcharge benefits are not applicable, and cash advances incur a fee of 2.5% of the amount or Rs. 500, whichever is higher.

Overall, the Swiggy HDFC Bank Credit Card offers competitive cashback rewards for dining, shopping, and online spends.

While it lacks certain travel and insurance benefits, the card provides a solid deal with its welcome benefit, spend-based waiver, and reasonable fees.