Credit cards as we know them in the modern world have made changes to how we approach purchase convenience. In diverse cards which are accessible for many requirements, the HDFC Swiggy Credit Card has earned its place as a favorite of food lovers.
It would be pertinent to understand that this credit card is filled with exceptional features for those who often use Swiggy, which is India’s most popular food delivery services. Here’s everything you want to know about HDFC Swiggy Credit Card from its advantages, features, and how it compares with other dining & lifestyle credits cards.
What is the HDFC Swiggy Credit Card?
HDFC Swiggy Credit Card is a partners credit card with HDFC Bank and features powered by Swiggy which is India’s leading food delivery app. The card will prove most useful to those who order foods frequently online. Include rebates on the food orders from Swiggy,
dining and lifestyle reward and so much more that makes it complete for people who are food enthusiasts who are looking forward to saving money in food joints among other spent lifestyle.
While other credit cards operate like an overall platform for indebtedness, the presented card offers specific bonuses related solely to Swiggy hence it shall be attractive to customers who heavily rely on Swiggy to order meals; in this way they will be able to save some money on the meal they order.
Main Points of the HDFC Swiggy Credit Card
What is special in HDFC Swiggy Credit Card and how it can be useful to users to save more money on food and many other things? That’s what we are going to discuss in the following section.
1. Cashback on Swiggy Orders
Up to 10% Cashback on Swiggy: There is big cashback on every Swiggy order, which is credited to the credit card bill, which amounts to real savings based on every bill paid.
Enhanced Cashback During Festivals: Cashback is a wonderful perk, but Swiggy offers users additional value by boosting cashback rates during such y festive season campaigns. Monthly Cap on Cashback: In most cases, there is maximum allowable cash back per month, therefore, users should always check on their spending habits.
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2. Notional Value based Usage of Bonus/ Reward Points on Non Swiggy Transactions
Earn Swiggy money on every transaction ; Even if you are using the card for any other spends such as shopping or paying bills you earn Swiggy money.
Redeemable Rewards: The reward points that users gather over a period can be partially, fully or completely redeemed through Swiggy vouchers, gift cards, or merchandise, or can even be applied as credit on statement, presenting a variety.
Higher Reward Rate on Dining and Entertainment: Other than Swiggy, users can get more points when using the card on dining at partner restaurants and entertainment places.
3. Additional Lifestyle Benefits
Fuel Surcharge Waiver: Get an exemption from fuel surcharges at all petrol stations in India thus making it reasonable especially for the regular drivers.
Discounts on Shopping and E-commerce: The mainly appeals to the online shopper since besides a debit card, it also provides the holder with special discounts and cash back when shopping on partner e-commerce websites.
Exclusive Offers on Travel Bookings: It is convenient for those who often travel, because HDFC is constantly working with travel websites and hotel booking services to establish the best discounts and cashback conditions.
4. Restaurateurs offers more than Swiggy during Dining Discounts
Flat 20% Off at Selected Restaurants: The existing tie-up between HDFC and some of the restaurants across cities of India operates on flat discount basis so that the card holder gets the eating rights even if he prefers to go out instead of ordering through Swiggy.
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Access to HDFC’s Dining Delight Program: This program consists in promotions and selected offers at restaurants or cafes for people who like to explore different kinds of dishes.
5. Low cost for Annual and Renewal fee
Waivable Annual Fee: The HDFC Swiggy Credit Card essentially comes with joining fee and other annual fee that might be charged. However, if the user spends over a certain amount in a year, this fee shall not be applicable.
Interest-Free Period: The card also has an interest free promotion on charges which enables the user to pay for his or her amount charged above the agreed amount within this period bearing no interest.
HDFC credit card fees and charges related to Swiggy Credit Cards
Here’s a breakdown of the fees typically associated with this card:
1.Joining Fee: Often symbolic and valid for a single use made when applying.
2. Annual Renewal Fee: Except for users who spends above a certain amount, it is charged annually.
3. Interest Rate on Revolving Credit: Extra charges that HDFC Bank charges include interest on balances that are not paid before the agreed period of grace.
4. Late Payment Charges: There is a minor penalty in the monthly fee if the user has not made the minimum payment by the due date.
HDFC Swiggy Credit Card vs. Other Dining and Lifestyle Credit Cards
1. HDFC Swiggy Credit Card
Dining Benefits: Has a referral system and cashback on food delivery and Swiggy Instamart order so perfect for anyone regularly using Swiggy.
Lifestyle Benefits: Offers rewards based dining, travelling and shopping through HDFC’s reward points.
Additional Benefits: Assortment discounts on famous dining and lifestyle brands affiliated with HDFC besides general Swiggy privileges.
Annual Fee: Moderate; HDFC’s credit risk exposure, varies with offers from the bank.
2. SBI Elite Card
Dining Benefits: Food delivery apps, restaurants, and groceries cashback many times.
Lifestyle Benefits: Provides up to $500 in statement credit per year, suitable for people who shop often and travel.
Additional Benefits: Free VIP access in airport lounges/ entertainment services.
Annual Fee: Somewhat expensive, however upon reaching a certain threshold one receives good amount of reward points and travelling benefits.
3. Axis Bank Magnus Credit Card
Dining Benefits: Membership that gives special offers to dine out at partner restaurants among them.
Lifestyle Benefits: Reward points accrued every time on all expenditure categorized as lifestyle expense – extra points for travel and shopping.
Additional Benefits: Five minutes free ride every day, free movie tickets, and access to airport’s lounge.
Annual Fee: High, it offers points aimed at the audience that targets luxury lifestyle rewards.
4. American Express Platinum travel credit card
Dining Benefits: Discounts offered for fine dining service provision.
Lifestyle Benefits: Provides a good value primarily through its travel, particularly flight and accommodations related, rewards.
Additional Benefits: Memberships with other companies for free, additional percentage off luxury brands, and a personal shopping assistant.
Annual Fee: Credit card that costs more than most but you will literally get to travel for free if you are a frequent traveler.
5. ICICI Bank Coral Credit Card
Dining Benefits: A discount on the expenditure at restaurants can be availed by the use of attractive restaurant chains.
Lifestyle Benefits: Save on your commute, eating out and shopping, as well as earn points for reward to be used to purchase movie tickets.
Additional Benefits: Free and discounted access to airport lounges and lower movie ticket prices.
Annual Fee: Moderate, thus a good product in lifestyle and dining plans.
Which Card to Choose?
Best for Frequent Swiggy Users: HDFC Swiggy Credit Card, owing to, special discounts on the services provided by Swiggy.
Best for Travel and Luxury: Either Axis Bank Magnus or American Express Platinum Travel Credit Card.
Best for Cashback on Dining: SBI Elite Card since it offers cashback across the larger panorama.
Balanced Option: ICICI Coral Credit Card, for average reward points with the reasonable membership fees for many categories of purchases.
Credit cards do come with their special features; therefore whoever or wherever you are, there is the perfect card for you depending on your spending pattern.
But if Swiggy is your thing, the HDFC Swiggy Credit Card could give you the most tailored rewards, other apps have more freedom in Terms of dining and lifestyle across platforms.
Should You Apply for the HDFC Swiggy Credit Card?
1. Frequent Swiggy Users: If you are a regular online food ordering, this card will save you directly and give you some cash back too.
2. Dining Enthusiasts: Of course long as it comes with added dining privileges and/ or restaurant dining offer this is good for individuals that love to dine out.
3. Lifestyle Spenders: This is a good all round credit card with facilities such as fuel surcharge rejection rebates and shopping rebates among others.
HDFC Swiggy Credit Card : How to Apply
It is very easy to apply for the HDFC Swiggy Credit Card. Follow these steps:
1. Visit the HDFC Bank Website: Go to credit cards; look for the bar found under Swiggy co-branded card.
2. Check Eligibility: Make sure you qualify for the loan in terms of; income level, age, and credit history.
3. Fill Out the Application: Enter your personal and financial information on the online application form you have to fill.
4. Submit Documents: The identification proof, income proof, and address proof are also to be submitted after filling the KYC form.
5. Approval and Issuance: Once your details are well confirmed, the HDFC Bank will work on your application once you pass through the approval, your card will be manufactured and forwarded to you.
Job Title Mandatory & Advisory Measures/requirements as Well as the Documents Required to Qualify for the Job
Eligibility Criteria
Age: from 21 through 60 years, (depending on a type of employment: a non-salary or self-employed person).
Income: Minimum income according to HDFC’s credit card policy
Credit Score: Creditworthiness, which is a credit score of 700 and above being desired by most creditors.
Required Documents
Identity Proof: Aadhaar, PAN, Passport, etc.
Address Proof: An example of a legal document is Utility bill, Bank statement and the like.
Income Proof: Recent salary vouchers, Form 16 or statement of income and tax returning for the salary earners and others such as self-employed people.
Fees and Charges
1. Joining Fee: The finder’s perfect levy nominal, one-off, and applicable only on the completion of application paperwork.
2. Annual Fee: It should be noted that one of them can be cancelled in return for meeting certain spending rate.
3. Interest Rate: Low interest rates that follow HDFC’s interest rates on credit card.
FAQs About HDFC Swiggy Credit Card
Q1. Do I have any restriction on how much I am allowed to spend on anything gotten via cashback on Swiggy?
Participants’ exposure to the HDFC Bank may be restricted through maximum cashback as per a monthly limit terms need to be checked at the time of obtaining the application.
Q2. Is the HDFC Swiggy Credit Card limited for buying things from Swiggy only?
No, though the card offers the highest cashback on Swigiy it can be used for other transactions where it does earn reward points.
Q3. What are they going to charge me when I will be using this card?
All fees are disclosed, but users said interest rates, the fee associated with late payments, and the fee attached to foreign purchases and transactions should be noted.
Q4. Now I am curious, can I use the cashback amount in conjunction with other offers on the Swiggy app?
Of course, the cashback that can be claimed with this card is stackable with Swiggy’s offers and coupon codes.
Conclusion
This is the HDFC Swiggy credit card – perfect for anyone who can’t get enough of ordering food on Swiggy! Absolutely free and accompanied by options for members only, such as the sign-up discount of -10% + up to Rs.100 cashback, this card reflects added value for regular Swiggy customers and food diversely lovers. For anyone wanting to soak up the highest returns on your dining and the Swiggy orders at significantly low fees, this card could be perfect for you.
If you are a college student living in a different city where your home is or a working individual who simply doesn’t like bothering with cooking, then you’ll find that the advantages of the HDFC Swiggy Credit Card for a gourmet delight are innumerable!