HDFC Swiggy Credit Card – 5% Cashback on Everything + Lifetime Free Credit Card

Hi Friends, Are You also looking for the best credit card for Online Shopping or Recharge & Bill Payments like me? I have an update for you, recently HDFC confirmed that from 21st June 2024, Cashback Earned on HDFC Swiggy Credit Card will be credited to Your Card statement directly. This is good news and it makes the credit card the best for online shopping. Let me explain how

HDFC swiggy Credit card was already good enough but because they used to credit the cashback in Swiggy money wallet and if you are not a foodie the cashback would be useless. Now starting from 21st June You will get the cashback directly in card. Now if you are new You may want to know what cashback is on the HDFC Swiggy Credit card, What are the other benefits? Let me give you the information. You can check Tata Neu Credit Card From HDFC Which offers up to 7% Cashback and also

HDFC Swiggy Card Benefits

• 10% Cashback on Swiggy
• 5% Cashback on online spending across online MCCs. For a list of eligible MCC Click here
• 1% Cashback on All other Categories.
• Complimentary Swiggy One Membership for 3 months on card activation
• Cashback directly in your credit card statement

Fees and Charges

Balance Transfer on EMI: 1% of the loan amount, with a minimum of ₹250 (exclusive of GST).

Joining Fee: ₹0 (Lifetime free for applications till December 31, 2024).

Annual Fee: ₹0 for the first year; waived on annual spends of ₹2,00,000 or more from the second year onward.

Cash Advance Fee: 2.5% of the transaction amount (minimum ₹500).

Foreign Currency Markup Fee: 3.5% on international transactions.

How to Apply For HDFC Swiggy Credit Card Online

1. You can visit HDFC Official Credit Card Website to apply for Swiggy Credit Card using below link

2. Now enter your mobile number and verify using OTP.

3. Enter Your basic details and choose your occupation

4.Select the card which you want to apply here most porbably HDFC Swiggy Credit Card.

5. You might also get it for Lifetime free

6. Once You apply for the card, if you are hdfc customer log in with your net banking.

7. Wait for Video Kyc and you will get a virtual card within 3 days.

Welcome Benefits

1. Swiggy One Membership:
   • Activate the card to claim your 3-month complimentary Swiggy One membership via the Swiggy app.
   • This premium membership provides unlimited free deliveries and exclusive discounts on Swiggy Food, Instamart, and Genie.
2. Card Activation Methods:
   • Make a transaction using your credit card.
   • Set your card PIN and enable online or international transactions.

Note: The Swiggy One membership benefit will appear in your Swiggy app within 2–3 days of card activation.

Eligibility Criteria

To apply for the HDFC Swiggy Credit Card, you must meet these requirements:

1. Age:
   • Salaried individuals: 21–60 years.
   • Self-employed individuals: 21–65 years.
2. Income:
   • Salaried: Minimum ₹25,000 per month.
   • Self-employed: Minimum ₹3 lakh annual income.
3. Credit Score:
   • A minimum credit score of 700 is recommended.
4. Residential Status:
   • Must be an Indian resident.

Cashback Terms and Conditions

1. Redemption Mode:
   • Cashback will be credited as a statement credit starting June 21, 2024.
   • Existing Swiggy Money cashback will remain in the Swiggy app.
2. Non-Eligible Transactions:
   • Cashback will not apply to spends on Swiggy Money Wallet, Swiggy Minis, Swiggy Liquor, and other excluded categories.
3. Capping:
   • Maximum cashback limits may apply for different categories.

Key Features of HDFC Swiggy Credit Card

1. 10% Cashback on Swiggy:
   • Includes transactions on Swiggy Food, Instamart, Dineout, and Genie.
   • Cashback is provided as statement credit starting June 21, 2024.
   • Excludes transactions via Swiggy Money Wallet, Swiggy Minis, and Swiggy Liquor.
2. 5% Cashback on Online Spends:
   • Covers all online spends under specific merchant categories (MCCs).
   • Check the eligible MCC list for details.
3. 1% Cashback on All Other Categories:
   • Offline and miscellaneous spends earn 1% cashback, with some exclusions.
4. Complimentary Swiggy One Membership:
   • Get a 3-month Swiggy One membership as a welcome benefit.
   • Includes free deliveries, exclusive discounts on Swiggy Food, Instamart, and Genie.
5. Zero Lost Card Liability:
   • Report card loss immediately, and you won’t be held accountable for fraudulent transactions.
6. Interest-Free Credit Period:
   • Enjoy up to 50 days of interest-free credit on purchases.
7. Smart EMI Facility:
   • Convert large purchases into easy EMIs.
8. Contactless Payments:
   • Secure, quick payments at retail outlets for transactions up to ₹5,000 without PIN.
9. Mastercard Golf Benefits:
   • Access to golf courses worldwide with 12 free lessons annually and 4 complimentary green fees.