Swiggy HDFC Bank Credit Card – All Details About Features, Benefits, Rewards

Credit cards are no longer just a payment instrument, they have now turned into gateways to rewards, cashback, travel benefits, dining discounts and much more. One such card focusing on foodies and online shoppers is the Swiggy HDFC Bank Credit Card. This credit card is a marketing affinity product with Swiggy, aimed at those of you who love to order regularly and want to earn rewards, along with getting benefits such as cashback, dining privileges and other offers.

In this blog, we discuss everything you should know regarding the Swiggy HDFC Bank Credit Card, including its features and benefits along with how it compares to other credit cards in the market.

What is the Swiggy HDFC Bank Credit Card?

Swiggy HDFC Bank Credit Card is a co-branded credit card from Swiggy, one of India’s leading online food ordering and delivery platforms and HDFC Bank. Is Swiggy HDFC Diner Promo Code a Best Credit Card for Order Food Swiggy? This Card is custom made for the people who order food from Swiggy quite a lot and in return gives a very good rewards and cashback on Swiggy expenses. The card is also good for anyone looking to earn rewards for other purchases, such as dining out, shopping or bill paying.

Besides food delivery benefits, the card also comes with a range of other perks including dining privileges, airport swaps, and even cashbacks on other spends. Best suited for Swiggy users looking to maximise benefits on their day-to-day spends.

Main Highlights of the Swiggy HDFC Bank Credit Card

The Swiggy HDFC Bank Credit Card is packed with a variety of features that make it a great choice for food ordering, but that aren’t shabby for other spend categories either. Below are some highlights of the card:

Reward Points on Swiggy Orders

The Swiggy HDFC Bank Credit Card comes with a rewarding reward points program for Swiggy spends. Cardmembers will be able to get 5% cashback (maximum ₹100 per transaction) on every Swiggy order. That makes the card even more relevant for regular food delivery customers, as they are able to earn rewards on every order they place on Swiggy.

Dining and Shopping for Points

Apart from Swiggy spends, the card provides 5% cashback on all dining and online transactions, making it a great option for dining and shopping lovers. You’ll get back 5% of all dining bills which will help you save on your favorite places to eat.

Milestone Rewards

For heavy spenders, the Swiggy HDFC Bank Credit Card gives them milestone rewards. If you spend ₹1L or more in a year, you will get other rewards or benefits which increase the value of the card further.

Free Movie Tickets

Cardholders can have access to exclusive movie ticket specials. You’ll enjoy 2 free movie tickets a year (1 ticket per quarter) on BookMyShow or similar platforms. This perk makes the card more profitable for the movie lovers during the weekend or for client’s spending his/her free time watching movies.

Welcome Benefits

The Swiggy HDFC Bank Credit Card also comes with welcome benefits for new customers. Upon registration and card activation, you get a special welcome gift — extra reward points, discounts on Swiggy orders and many more, all from the time you receive your card.

Fuel Surcharge Waiver

If you use your card for buying fuel then you may get a fuel surcharge waiver of 1% on all fuel transactions between ₹400 and ₹5,000. This reward is beneficial to those cardholders who often enough need to fill their tanks with fuel, as it eases the price of it.

EMI Facility

The Swiggy HDFC Bank Credit Card also provides the choice to convert large purchases into convenient EMIs. This feature is great for those who want to make a high-ticket purchase and pay it off over time without paying extremely high interest rates.

Contactless Payments

For an additional layer of hassle-free payments, Swiggy HDFC Bank Credit Card is enabled with a contactless payment facility that enables customers to make payments by just tapping the card at a point of sale terminal that accepts contactless payments.

Advantages of Swiggy HDFC Bank Credit Card

The Swiggy HDFC Bank Credit Card is specifically tailored to the lifestyles of food enthusiasts and frequent shoppers. Here are the big advantages of this card:

Cashback on Swiggy Orders

Those who like engaging in food delivery can avail of Swiggy HDFC Bank Credit Card with 5% cashback on all Swiggy orders. This simply means that you can get cashback on every purchase you make over the Swiggy app and you can utilize these cashbacks on your subsequent purchases. Though the cashback deal is limited to ₹100 per transaction, it is still an amazing discount for loyal Swiggy users.

Dining Benefits

Dining is another segment where Swiggy HDFC Bank Credit Card scores high. Cardholders receive 5% cashback on dining, which makes it a fabulous option for food lovers who like to eat out. So on Dining spend cashback can be converted and used to pay for meals.

Reward Points on Online Shopping

Apart from dining and Swiggy benefits, the cardholders receive 5% cashback on online shopping. The cashback is applicable on shopping across platforms such as Amazon, Flipkart, or other e-Stores. This is the feature that makes the card an all-rounder, not only for food but also for other expenses.

Free Movie Tickets

An interesting feature of the Swiggy HDFC Bank Credit Card is the movie ticket offer. The users get two free movie tickets per year, which can be availed on websites including BookMyShow. This perk is a nice value add to the card, especially for moviegoers.

Airport Lounge Access

Traveling frequently? The Swiggy HDFC Bank Credit Card offers complimentary airport lounge access at selected domestic and international airports. This perk offers a place to get cozy, grab complimentary drinks and other amenities and prepare for your flight.

Emergency Card Replacement

Emergency card replacement service: The bank features an emergency card replacement service for lost or stolen card. This facility will help you avoid any hassle so that you may continue to use your credit card immediately.

Exclusive Swiggy Discounts and Offers

Cardholders of the Swiggy HDFC Bank Credit Card can also avail special discounts and offers on the Swiggy platform. These might be flat discounts on Swiggy orders, free delivery on certain products, and seasonal offers. These offers are ideally cut out for regular Swiggy users and will help you save quite a bit in the long run.

Charges And Fees of the Swiggy HDFC Credit Card

Given the manifold benefits of Swiggy HDFC Bank Credit Card, it’s equally important to know the fees and charges you would be accountable to in connection with the credit card:

• Joining Fee: ₹599 + GST

• Renewal Fee: ₹599 + GST (Reversed on spending ₹1,00,000 or more in a year)

• Interest Rates: The interest rate on the card is at approx 3.49% per month on revolving balances (which varies based on customer’s credit cards habits and history).

• Cash Advance Fee: ₹300 or 2.5% of the withdrawn amount, whichever is higher.

• Late Payment Fee: ₹100 to ₹1,000 as per the outstanding amount.

What Makes the Swiggy HDFC Bank Credit Card Stand Out

“Building targeted offerings for the lighthouse use case of a customer segment has been one of Swiggy’s strong suits. With satisfactory cashback rates, bonus rewards on dining and shopping, along with special Swiggy offers, this card offers good value for anyone who uses Swiggy for food orders.

The cashback percentage is pretty high if we compare it to other all-purpose credit cards, especially for food delivery, so it’s a solid option for Swiggy users. For applicants seeking an everything-but-the-kitchen-sink card, the complimentary movie tickets, airport lounge visits and spending reward rounds out the offer.

Conclusion

If you are an individual who orders food frequently through Swiggy and prefer the hassle-free experience of rewards on food as well as shopping spends, you need to have the Swiggy HDFC Bank Credit Card. It offers great cashback on Swiggy orders,Dining and online transactions, supported with extra benefits of free movie tickets, lounge access and exclusive offers on Swiggy.

The Swiggy HDFC Bank Credit Card is a good fit for gourmands, frequent travelers and people who wish to maximize their everyday spends. As a stand-alone credit card, one of its attractive upsides combined with low renewal fees, it just makes so much sense (mathematically) and simultaneously is as rewarding for both rewards and lifestyle benefits.

Opting for the Swiggy HDFC Bank Credit Card helps you in more than one way, you get to upgrade your food delivery experience and also get access to a number of other benefits that elevate your life in every little way. No matter whether you're a foodie, shopper, or traveler — there's something in this credit card for you.