Swiggy HDFC Bank Credit Card: Unlock Up to ₹42,000 in Annual Cashback and Exclusive Perks for Foodies and Shoppers

The Swiggy HDFC Bank Credit Card is a strategic collaboration between HDFC Bank and Swiggy, designed to offer generous cashback and rewards to food lovers and online shoppers. Here’s a breakdown of its key features:

1. Swiggy-Specific Benefits:
   • 10% Cashback on Swiggy food orders, Instamart, Dineout, and Genie services, with a monthly limit of ₹1,500. This translates to a potential ₹18,000 in cashback annually. However, transactions related to Swiggy Liquor, Swiggy Minis, and payments via Swiggy Money Wallet are not eligible for cashback.
2. Online Shopping Rewards:
   • 5% Cashback on online purchases across categories like apparel and electronics, with a monthly cap of ₹1,500. This could also offer up to ₹18,000 cashback per year. Certain exclusions apply, including purchases of gift cards and groceries.
3. General Spending:
   • 1% Cashback on all other spending, with a cap of ₹500 per month, leading to a possible ₹6,000 cashback annually. Exclusions include fuel, rent, EMIs, wallet loading, jewelry, and government payments.
4. Swiggy One Membership:
   • New cardholders will receive a free 3-month Swiggy One membership upon activating the card, which provides perks such as free deliveries and exclusive discounts on Swiggy.
5. Eligibility:
   • The card is available to both salaried and self-employed individuals. It stands out in comparison to other popular cashback cards like the Cashback SBI Card, Flipkart Axis Bank Credit Card, and Amazon Pay ICICI Bank Credit Card, particularly due to its focus on online food orders and shopping.
6. Fee Waiver:
   • A special offer grants lifetime fee exemption for a limited period, enhancing the card’s appeal for new users.

In conclusion, the Swiggy HDFC Bank Credit Card is an excellent choice for those who frequently order food online, shop on e-commerce platforms, and want to maximize their savings with extensive cashback opportunities, membership perks, and a fee waiver.

Disclaimer: Terms and conditions apply. Cashback and rewards are subject to exclusions and limits as per the card’s policy. Please refer to the official Swiggy HDFC Bank Credit Card terms for full details.