info@logintoloans.com +91 8885545255

Logintoloans Assistant

Select your profession

Salaried Icon Salaried
Business Icon Business
CA CA
Doctor Doctor
NRI NRI
School School
College College
Student Student

Enter Pincode

Personal Details

Features of HDFC Swiggy Credit Card

  • 1. Three-Month Free Membership:
    • Swiggy One Membership: Upon card activation, cardholders receive a complimentary three-month Swiggy One Membership, a premium subscription program valued for its cost-saving benefits. Swiggy One offers unlimited free deliveries on food orders and Instamart purchases, exclusive discounts on select restaurants, and additional perks on Dineout and Genie services.
    • Membership Extension: For cardholders with an existing Swiggy One Membership, the three-month period is added to their current subscription, extending its validity.
    • Activation Requirements: To avail of this benefit, the card must be linked to the Swiggy app within 2-3 days of activation, and activation requires actions like making a transaction, setting a PIN, or enabling online/international transactions via OTP or IVR.
  • 2. Contactless Payment Convenience:
    • Fast and Secure Transactions: The HDFC Swiggy Credit Card is enabled for contactless payments, allowing cardholders to make quick and secure transactions at retail outlets. In India, contactless payments up to ₹5,000 per transaction do not require a PIN, enhancing convenience for small purchases. For transactions exceeding ₹5,000, a PIN is mandatory for added security. This feature aligns with modern payment trends, ensuring a seamless checkout experience at stores equipped with contactless payment terminals.
Credit Card Promotion
    • Interest-Free Credit Period:
    • Up to 50 Days of Flexibility: Cardholders benefit from an interest-free credit period of up to 50 days from the date of purchase, provided the merchant submits the charge promptly. This feature allows users to manage their cash flow effectively, making large purchases or covering monthly expenses without incurring interest, as long as the full statement balance is paid by the due date. This flexibility is particularly useful for frequent Swiggy users who may consolidate their food and grocery spends on the card.
    • Revolving Credit Facility:
    • Nominal Interest Rate Option: The card offers a revolving credit facility, enabling cardholders to carry forward a portion of their outstanding balance at a nominal interest rate, typically 3.6% per month (43.2% annually). While paying the full balance is recommended to avoid interest charges, this feature provides financial flexibility for those needing to manage larger expenses over time. Cardholders are encouraged to review the terms and conditions to understand the applicable rates and charges.
    • Contactless Payment Convenience: The HDFC Swiggy Credit Card is enabled for contactless payments, allowing cardholders to make quick and secure transactions at retail outlets. In India, contactless payments up to ₹5,000 per transaction do not require a PIN, enhancing convenience for small purchases.
    • Interest-Free Credit Period: Cardholders benefit from an interest-free credit period of up to 50 days from the date of purchase, provided the merchant submits the charge promptly. This feature allows users to manage their cash flow effectively.
    • Revolving Credit Facility: The card offers a revolving credit facility, enabling cardholders to carry forward a portion of their outstanding balance at a nominal interest rate, typically 3.6% per month (43.2% annually).
    • Smart EMI Conversion: The HDFC Swiggy Credit Card allows cardholders to convert significant purchases into Smart EMI plans, facilitating stress-free repayments. Eligible categories for EMI conversion include insurance, groceries, medical expenses, petrol, utilities, apparel, education, electronics, and travel, with tenures ranging from 6 to 24 months. A processing fee of ₹499 + GST applies, and gold or jewellery purchases are excluded. This feature is ideal for managing high-value transactions, such as electronics or travel bookings, without straining monthly budgets.
    • Zero Lost Card Liability: In the unfortunate event of card loss or theft, cardholders face zero liability for fraudulent transactions, provided the loss is reported immediately to HDFC Bank’s 24-hour call centre. This feature ensures peace of mind, safeguarding users against unauthorized use and reinforcing the card’s security credentials.
    • Mastercard World Tier Privileges: As a Mastercard World card, the HDFC Swiggy Credit Card unlocks additional lifestyle perks. Cardholders gain access to up to 12 complimentary golf lessons per year at select golf courses in India, catering to those with an interest in premium leisure activities. Other privileges include discounts on worldwide hotel bookings via Agoda (12% instant discount) and potential loyalty membership benefits, enhancing the card’s appeal for travel and lifestyle enthusiasts. Unlike some premium cards, it does not offer complimentary airport lounge access, a deliberate choice to maintain the card’s low annual fee structure.
    • Add-On Cards: The card allows up to three complimentary add-on cards for family members, enabling them to enjoy the same cashback and Swiggy One Membership benefits. This feature is particularly useful for households that frequently use Swiggy services, as it consolidates spending and rewards under a single primary account. Add-on card transactions contribute to the primary cardholder’s cashback caps and renewal fee waiver thresholds.
    • Renewal Fee Waiver: The card carries a joining and annual fee of ₹500 + applicable taxes, but the renewal fee is waived if the cardholder spends ₹2,00,000 or more in the preceding year. Exclusions for this threshold include cash-on-call, balance transfers, and cash withdrawals. This feature encourages regular use of the card for both Swiggy and non-Swiggy transactions, making it cost-effective for frequent users. Additionally, HDFC Bank occasionally offers the card as lifetime free (LTF) through specific links or invite-only promotions, as seen in campaigns valid until March 31, 2025.
    • IndiGo BluChips Rewards: Cardholders earn 1 IndiGo BluChip for every ₹100 spent on Swiggy platforms, including food delivery, Dineout, and Instamart. These BluChips can be redeemed for IndiGo flight bookings, adding a travel-related perk to the card’s dining and shopping benefits. This feature enhances the card’s value for users who combine frequent Swiggy orders with occasional travel plans.
    • Eligibility and Application: The card is designed for salaried individuals aged 21 to 60 with a minimum net monthly income of ₹15,000, or self-employed individuals aged 21 to 65 with an ITR exceeding ₹6 lakhs per annum. Applications can be submitted via the Swiggy app or HDFC Bank’s website, with an invite-only option for select customers. Existing HDFC Bank credit cardholders may receive the card on a shared or floater limit, increasing accessibility.
    • Linking with Swiggy App: To maximize benefits, the card must be linked to the Swiggy app. Users can navigate to the ‘Credit Card’ section under ‘Accounts,’ select ‘Link Your Card to Swiggy,’ and verify their mobile number with an OTP. This step is crucial for earning cashback and activating the Swiggy One Membership, ensuring a seamless user experience.
Who We Are

Benefits of HDFC Swiggy Credit Card

  • Generous Cashback Rewards:
    • 10% Cashback on Swiggy Transactions: Earn 10% cashback on Swiggy app transactions including food delivery, Instamart, Dineout, and Genie (excluding Swiggy Money Wallet, Liquor, and Minis), capped at ₹1,500 per billing cycle.
    • 5% Cashback on Online Spends: Receive 5% cashback on popular platforms like Amazon, Flipkart, Myntra, Nykaa, Ola, and Uber, up to ₹1,500 per billing cycle. Applies to spends in categories like apparel, electronics, entertainment, and more (MCC-specific).
    • 1% Cashback on Other Categories: Get 1% cashback on all other eligible spends excluding fuel, rent, EMIs, jewelry, wallets, and government services, with a cap of ₹500 per billing cycle.
  • Flexible Cashback Redemption:
    • Statement Credit: Cashback is credited directly to the credit card statement from June 21, 2024, helping reduce the outstanding balance instead of being restricted to Swiggy usage.
      • Complimentary Swiggy One Membership: Enjoy 3 months of free Swiggy One subscription upon card activation. Offers free deliveries on food, Instamart, and Genie services, plus exclusive discounts.
      • Cashback Benefits: Earn 10% cashback on Swiggy (food, Instamart, Dineout), 5% on online spends, and 1% on other categories. Total savings can go up to ₹42,000 annually with high usage.
      • IndiGo BluChips on Swiggy: Earn 1 BluChip for every ₹100 spent on Swiggy, redeemable for IndiGo flight bookings, adding a travel benefit to frequent food orders.
      • Mastercard World Tier Privileges: Enjoy 4 complimentary golf rounds/year and 12 free golf lessons. Also, access exclusive Mastercard offers on travel, shopping, and culture.
      • Financial Flexibility: Benefit from up to 50 days interest-free credit, Smart EMI conversion on large purchases, and revolving credit facility at nominal rates.
      • Security Features: Zero lost card liability if reported promptly, contactless payments up to ₹5,000 without PIN, and secure EMV chip-based transactions.
      • Add-On Cards: Get up to 3 complimentary add-on cards for family members, sharing cashback and membership benefits under the primary cardholder.
      • Annual Fee and Waiver: ₹500 joining/renewal fee (plus taxes). Waived on ₹2,00,000 annual spend. Limited-time LTF (Lifetime Free) offer was available till Dec 31, 2024.
Check Best Gold Loan Offers

Steps to Apply for HDFC Swiggy Credit Card

  • 1. Online Application via HDFC Bank Website:
    • Step 1: Visit HDFC Bank Website
      Go to www.hdfcbank.com, navigate to “Credit Cards” under Personal Banking, and select “Swiggy HDFC Bank Credit Card.”
    • Step 2: Click Apply Now
      Click on “Apply Now” after reviewing features and benefits of the card.
    • Step 3: Enter Basic Details
      Fill in your name, mobile number, email address, and date of birth.
    • Step 4: Provide Employment and Financial Details
      Submit details about your job, monthly income, and existing liabilities.
    • Step 5: Upload Required Documents
      Upload scanned copies of ID proof, address proof, income proof, and photograph (PDF/JPEG/PNG format under 5MB).
    • Step 6: Submit and Track
      Review your application, agree to terms, and submit. You’ll receive a reference number to track the status.
    • Step 7: Approval and Delivery
      HDFC may contact you for verification. Upon approval, the card will be delivered within 7–14 working days.
  • 2. Application via Swiggy App:
    • Step 1: Open Swiggy App
      Log in using your registered mobile number.
    • Step 2: Navigate to Credit Card Section
      Look for the “Swiggy HDFC Bank Credit Card” banner or link under the Account section.
    • Step 3: Check Eligibility
      If you’ve received an invite, click “Apply Now.”
    • Step 4: Enter Personal & Income Details
      Fill out your personal, employment, and financial information as prompted.
    • Step 5: Upload Documents and Submit
      Upload necessary documents and complete the process. Confirmation will be sent via email or in-app.
  • 3. Offline Application at HDFC Bank Branch:
    • Step 1: Locate a Nearby Branch
      Use the bank website/app to find the nearest HDFC Bank branch.
    • Step 2: Visit the Branch
      Carry original and photocopies of required documents and photographs.
    • Step 3: Request Application Form
      Ask for the Swiggy HDFC Bank Credit Card form.
    • Step 4: Complete and Submit
      Fill in accurate details, attach documents, and submit the form.
    • Step 5: Verification & Delivery
      Bank may contact you for verification. Upon approval, the card will be sent to your registered address.
  • 4. Application via Phone Banking:
    • Call HDFC’s Phone Banking at 1860-267-6161.
    • Inform the representative you wish to apply for the Swiggy HDFC Bank Credit Card.
    • Verify your identity and share details as requested.
    • You may need to email or visit a branch to submit documents.
  • 5. Pre-approved or Invite-Only Offers:
    • Existing HDFC or Swiggy users may get pre-approved invites via email, SMS, or in-app notification.
    • The process is simplified and may require minimal documentation for eligible users.

Eligibility Criteria for HDFC Swiggy Credit Card

  • General Eligibility Requirements:
    Applicants must be Indian nationals with financial stability and a strong credit profile.
    Swiggy users and online shoppers are the primary target group, though eligibility is not limited to them.
  • Credit Score and Financial History:
    Preferred credit score: Above 750
    Clean credit history, low credit utilization, and no recent defaults or excessive inquiries are essential.
  • Eligibility for Salaried Individuals:
    Age: 21 to 60 years
    Income: Minimum net monthly income of ₹25,000
    Employment: Stable job for at least 6 months to 1 year; reputable employer preferred
    Documents: Salary slips, Form 16, and last 3 months’ bank statements
  • Eligibility for Self-Employed Individuals:
    Age: 21 to 65 years
    Income: ITR showing annual income of over ₹6 lakh
    Stability: Business or professional practice operational for 2+ years
    Documents: ITRs, audited financials, and bank statements
  • Documentation Requirements:
    Identity Proof: Aadhaar, PAN, Voter ID, Passport
    Address Proof: Aadhaar, utility bill, passport, or rental agreement
    Photograph: Recent passport-sized photo
  • Application Channels:
    Online: Apply via HDFC Bank website or Swiggy app (invite-based)
    Offline: Apply at the nearest HDFC Bank branch or ATM
  • Verification & Processing:
    Includes credit check, income validation, address verification, and possible telephonic or field checks
  • Special Considerations:
    • May be offered on an invite-only basis through Swiggy
    • Existing HDFC customers may receive preference
    • Promotional offer (lifetime free card) was valid from Oct 1 to Dec 31, 2024
  • Additional Tips for Approval:
    • Maintain a strong credit score by paying bills on time
    • Submit complete and accurate documents
    • Apply during promotional periods for better offers
    • Leverage any existing HDFC relationship (e.g., salary account or other credit card)
  • Income Source Flexibility:
    • Applicants with alternate income sources like freelance work, investments, or rental income may also qualify, provided the income is stable and verifiable.
    • Freelancers may need to submit a combination of income proof, including tax returns, project contracts, and bank statements.
  • Age Consideration for Senior Citizens:
    • While the card is available to individuals aged up to 65 (self-employed), senior citizens (aged 60 and above) may be required to show additional proof of financial stability (e.g., pension slips, fixed deposits).
  • Processing Time:
    • Typically, the application process takes between 7 to 10 business days, including document verification and credit evaluation.
    • Approval may be faster for existing HDFC customers with a strong account history.
  • Pre-Approved Offers:
    • Customers who have previously shown interest or eligibility for credit cards with HDFC Bank may receive pre-approved offers.
    • These offers often come with lower interest rates or waived joining fees.
Check Best Gold Loan Offers

Documents Required for HDFC Swiggy Credit Card Application

  • Proof of Identity:
    HDFC Bank requires a government-issued document with your photo and personal details. Acceptable options include:
    • PAN Card: Mandatory for all financial applications.
    • Aadhaar Card: Should be linked to your mobile number for OTP. Masked format preferred for security.
    • Passport: Valid for ID and often address verification.
    • Driver’s License: Must be valid and display personal details clearly.
    • Voter’s ID: Issued by the Election Commission, used for KYC.
    • OCI/PIO Card: Required for NRIs or Indian-origin applicants.
    • NREGA Job Card: Accepted under government employment schemes.
    • Other Government ID: Subject to bank approval.
    Tip: Ensure documents are valid, legible, and self-attested if required.
  • Proof of Address:
    Must reflect your current residential address. Acceptable documents include:
    • Aadhaar Card – Address should be current and OTP-linked.
    • Passport – Acceptable if address is current.
    • Driver’s License – Must show up-to-date address.
    • Voter’s ID – Address should be current.
    • Utility Bills – Electricity, gas, or water bills not older than 3 months.
    • Bank Statement – From the last 3 months with name and address.
    • Rental Agreement – Must be registered and paired with a recent utility bill.
    • Property Tax Receipt – Recent, in your name.
    • Ration Card – Government-issued with correct address.
    Note: Address mismatches may require a self-declaration form.
  • Proof of Income:
    Based on applicant type, different income proofs are needed:
    • Salaried: Last 3 months’ salary slips, 3–6 months’ bank statements, and recent Form 16.
    • Self-Employed: Latest ITR with income computation, 6 months’ bank statements, business proof (e.g., GST registration), and audited financials if available.
    Best Practices: Ensure documents align with minimum income criteria: ₹15,000/month (salaried) or ₹6 lakh/year (self-employed).
  • Employment or Business Proof:
    • Salaried: Employment letter or employer ID card may be requested.
    • Self-Employed: Shop license, GST certificate, or business registration documents.
    Tip: Keep soft copies ready for upload.
  • Photograph:
    One recent passport-size photo for offline submission. Digital image required for online/video KYC.
    Note: Follow HDFC’s size and clarity standards (35mm x 45mm recommended).
  • KYC Compliance & Video KYC:
    Adherence to RBI KYC norms is mandatory. Online applicants must be ready for video KYC with original ID documents.
    Note: Files should be in PDF or JPEG format, under 5MB.
  • Credit Score Check:
    A credit check is done using your CIBIL or Experian score. 750+ is generally preferred.
    Note: No need to submit separately unless the bank asks.
  • Additional Tips:
    • Double-check consistency of name, address, and date of birth across documents.
    • Use clear, recent, self-attested photocopies.
    • Link Aadhaar to your mobile number for OTP verification.
    • Track application status using the reference number on the HDFC website.

Factors for HDFC Swiggy Credit Card Overview

  • High Cashback on Swiggy Platforms:
    10% cashback on Swiggy food orders, Instamart groceries, Dineout, and Genie.
    Cashback capped at ₹1,500 per billing cycle (max ₹15,000 spend/month).
  • Cashback on Other Online Spends:
    5% cashback on popular online platforms like Amazon, Flipkart, Myntra, Ola, Nykaa, etc.
    Capped at ₹1,500/month (up to ₹30,000 spend).
    1% cashback on all other spends (₹500 cap/month).
  • Cashback Redemption:
    Cashback is directly credited to your statement (effective June 21, 2024).
    No manual redemption or use of Swiggy Money required.
    No cashback on transactions below ₹100 or Swiggy Wallet/Minis/Liquor spends.
  • Fees & Charges:
    ₹500 joining & annual renewal fee (waived on ₹2 lakh annual spend).
    3.6% monthly interest, 3.5% foreign currency markup + GST.
    Up to 50 days interest-free credit.
  • Eligibility:
    Indian residents aged 21–60 (salaried) / 21–65 (self-employed).
    ₹15,000 monthly salary or ₹6 lakh/year ITR required.
  • Application Process:
    Apply via Swiggy app (Accounts section) or HDFC website.
    Requires PAN, Aadhaar, income proof (salary slips/ITR/bank statement).
  • Additional Benefits:
    Mastercard World benefits: 12 free golf lessons & 4 green fee rounds/year.
    Up to 12% off hotels via Agoda.
  • Security & Contactless Payments:
    Contactless payment support up to ₹5,000 (PIN-free).
    Zero lost card liability if reported to HDFC immediately.
  • Smart EMI Option:
    Convert large purchases into EMIs with flexible tenure.
    Interest applies as per prevailing rates.
  • Limitations:
    No cashback on fuel, rent, insurance, utilities, or government spends.
    No airport lounge access.
    Cashback caps apply (₹1,500/month on Swiggy & online; ₹500 on other spends).
  • Comparison Highlights:
    Higher cashback cap vs Airtel Axis & HSBC Live+.
    Broader online cashback coverage than Flipkart/Amazon cards.
    No lounge access unlike HSBC Live+.
  • Ideal For:
    Frequent Swiggy users & online shoppers.
    Beginners/young professionals needing a low-fee cashback card.
    Golf lovers using Mastercard World privileges.
    Those who frequently purchase groceries and food online.
  • Not Ideal For:
    High spenders exceeding cashback caps.
    Travel-focused users wanting lounge access.
    Users with high fuel, rent, or utility spends.
    Individuals preferring a card with comprehensive travel benefits.
  • Bonus Cashback Events:
    Cardholders can earn additional cashback during special promotional events, such as festive periods or limited-time Swiggy offers.
    Keep an eye on notifications for exclusive bonus cashback opportunities.
  • Zero Lost Card Liability:
    In case of card theft or loss, cardholders are not responsible for unauthorized transactions, as long as the card is reported within the stipulated time frame.
    Provides additional peace of mind when traveling or during other high-risk activities.
  • International Use:
    The card can be used internationally for both online and offline transactions.
    A foreign currency markup fee of 3.5% is applicable along with GST.
    Ideal for users who travel abroad or shop on international e-commerce platforms.

Frequently Asked Questions

1. What is the Swiggy HDFC Bank Credit Card?
The Swiggy HDFC Bank Credit Card is a co-branded credit card launched by HDFC Bank in partnership with Swiggy. It offers exclusive cashback and benefits on Swiggy services and other online spends.
2. What are the key benefits of this credit card?
10% cashback on Swiggy orders including food delivery, Instamart, Dineout, and Genie.
5% cashback on select online spends across categories like apparel, electronics, etc.
1% cashback on other eligible spends.
Complimentary 3-month Swiggy One membership upon card activation.
Zero lost card liability upon immediate reporting.
3. What is the annual fee for the Swiggy HDFC Bank Credit Card?
The card has an annual fee of ₹500 plus applicable taxes. This fee is waived for the first year. From the second year onwards, the fee is waived if you spend ₹2,00,000 or more in the previous year (excluding certain transactions).
4. Who is eligible to apply for this credit card?
Salaried individuals: Indian nationals aged 21-60 years with a net monthly income above ₹15,000.
Self-employed individuals: Indian nationals aged 21-65 years with an annual income (ITR) above ₹6 lakhs.
5. How can I apply for the Swiggy HDFC Bank Credit Card?
You can apply online through the HDFC Bank website or via the Swiggy app. Alternatively, you can visit a nearby HDFC Bank branch to apply.
6. How do I activate my Swiggy HDFC Bank Credit Card?
You can activate your card through HDFC Bank's NetBanking portal, Mobile Banking app, or through the Swiggy app by navigating to the credit card section and following the activation steps.
7. What is Swiggy One membership, and how do I avail it?
Swiggy One is a subscription service offering benefits like free deliveries and exclusive discounts. As a Swiggy HDFC Bank Credit Cardholder, you get a complimentary 3-month membership upon activation. Link your card to the Swiggy app and follow prompts to activate.
8. How is cashback credited to my account?
Effective from June 21, 2024, cashback earned is credited as a statement credit to your credit card account. Previously, it was credited as Swiggy Money in the Swiggy app.
9. Are there any exclusions to earning cashback?
Yes, cashback is not applicable on:
- Transactions using Swiggy Money Wallet
- Swiggy Minis & Swiggy Liquor
- Certain merchant categories as defined by HDFC Bank
10. Can I enhance my credit limit on this card?
Yes, you can request a credit limit enhancement after 6 months from card issuance, subject to HDFC Bank's policies and your credit profile.
11. Is there an interest-free period on this credit card?
Yes, up to 50 days of interest-free credit is offered from the date of purchase, provided previous dues are fully paid.
12. What is the Smart EMI facility?
The Smart EMI facility allows you to convert large purchases into easy monthly installments at attractive rates via NetBanking or Mobile Banking.
13. Does this card offer any additional lifestyle benefits?
Yes, as a Mastercard holder, you get:
- Access to golf courses globally
- 12 free golf lessons annually
- 4 complimentary green fee rounds per calendar year
- Discounts on golf services beyond complimentary access
14. What should I do if I lose my credit card?
Immediately report the loss to HDFC Bank’s 24-hour call center. Once reported, you are protected from any fraudulent transactions.
15. How can I contact customer support for this credit card?
You can call HDFC Bank customer care at 8885545255 for any queries or assistance related to your Swiggy HDFC Bank Credit Card.

List of HDFC Branches in Andhra Pradesh

  • Guntur City (Chilakaluripet)
  • Prakasam City (Chirala)
  • Chittoor City (Chittoor)
  • YSR Kadapa City (Cuddapah)
  • Prakasam Town (Donakonda)
  • West Godavari City (Eluru)
  • Visakhapatnam City (Gajuwaka)
  • Prakasam City (Giddalur)
  • Krishna City (Gudivada)
  • Guntur City (Guntur)
  • Anantapur City (Hindupur)
  • Srikakulam City (Ichchapuram)
  • East Godavari City (Jaggampeta)
  • YSR Kadapa City (Kadapa)
  • Kakinada City (Kakinada)
  • Prakasam City (Kandukur)
  • Nellore City (Kavali)
  • Kurnool City (Kurnool)
  • Krishna City (Machilipatnam)
  • Annamayya City (Madanapalle)