HDFC Bank And Swiggy Launched HDFC Bank Swiggy Credit Card | Full Details

[Tejo]

There is no clarity on merchant list for 5% cashback
Any one has list

There is mcc list for all categories.

 

[silly_putty]

I can guarantee, you'll save more and earn 2% with Axis ace if you simply shop groceries at Dmart. For a 7k bill everymonth, I'll save atlest 2000-2500 on the bill and 2% with Axis ace.

While instamart has some discounts it isn't as big as Dmart and I rather trust loose items like rice, sugar, rava and other flour items and bean items at Dmart compared to pricey packets that instamart sells.

Unfortunately people would rather pay Rs 100 and receive Rs 5 as cashback rather than paying Rs 90 and receive lower cashback. Which is also how they end up over spending.

 

[SSV]

Unfortunately people would rather pay Rs 100 and receive Rs 5 as cashback rather than paying Rs 90 and receive power cashback. Which is also how they end up over spending.

💯 💯 💯 true... There are way better options to buy quite a lot of things cheaper... some spends only worth buying online...

 

[Tejo]

All tells swiggy card begar but chup chap se apply kardetha.

but hdfc decided to increase tata and swiggy businesses.

🫡 - HDFC, for it's visionary and passion towards Indian brands.

 

[VISHESH_BANSAL]

Tumne toh nhi kya chup chup se apply ?

All tells swiggy card begar but chup chap se apply kardetha.

but hdfc decided to increase tata and swiggy businesses.

🫡 - HDFC, for it's visionary and passion towards Indian brands.

 

[Tejo]

Tumne toh nhi kya chup chup se apply ?

Nhi.

 

[silly_putty]

All tells swiggy card begar but chup chap se apply kardetha.

but hdfc decided to increase tata and swiggy businesses.

🫡 - HDFC, for it's visionary and passion towards Indian brands.

hdfc bas haddiya dal raha hai infinia ke sapne dikha kar.

 

[CHOCOPANDA]

HDFC Bank and Swiggy recently launched a co-branded credit card, the Swiggy HDFC Bank Credit Card. This is the first co-branded credit card from the food delivery cum grocery delivery giant, Swiggy. Let's first check the card details.

Fees:
Annual Fees: Rs. 500 + GST
Annual Fee Waiver Criteria: Spend ₹2L in a year.

Welcome Benefits:
Complimentary Swiggy One Membership for 3 months (onetime benefit)

This is a very basic credit card, so it doesn't have any specific main benefits associated with it. Let's check its reward system.

Reward System:

Spends Category	Cashback Rate	Capping	Exclusion
Swiggy Application (Food ordering, Instamart, Dineout & Genie).	10%	Rs. 1500 Per Billing Cycle	Swiggy Money Wallet, Swiggy Liquor, Swiggy Minis
Online Spends Across Top Brands/Categories*	5%	Rs. 1500 Per Billing Cycle	See The Below Chart*
Other Categories (Online & Offline)	1%	Rs. 500 Per Billing Cycle	Fuel, Rent, EMI, Wallet, Jewellery, Government Payment

List Of 5% Cashback Categories With Merchants Category Code (MCC):
* Please note that only selected merchants mapped under the below list of MCCs are eligible for 5% Cashback Category.

CATEGORY	MCC
Apparels	5137,5139,5611,5621,5631,5641,5651,5655,5661,5691,5697,5699,5948
Department Store	5200,5300,5311,5331,5949,5973
Electronics	1731,5045,5046,5065,5099,5722,5732,5734,5946,7372,7622,7623,7629,7631
Entertainment	4411,4899,5193,5992,7032,7033,7333,7832,7911,7922,7929,7933,7991,7996,7997
Home Decor	5198,5211,5231,5251,5712,5713,5714,5718,5719,5950,7641
Medical Stores & Pharmacies	5122,5912,5975,8042,8043
Personal Care	5977,7230,7297,7298
Local Cabs	3351,3359,3387,3389,3390,3393,3395,4121
Pet Stores & Supplies	5192,5733,5735,5941,5942,5945,5995,7829,7941
Discount Stores	5399

You'll receive cashback in the form of "Swiggy Money," and it will be valid for one year from the date of earning the cashback.

You can redeem your Swiggy Money earned via the Swiggy HDFC Bank Credit Card on the Swiggy application on the following Swiggy platforms:

• Food ordering
• Instamart
• Dineout
• Genie

This is a very basic credit card with its main benefit lying in its reward system. By spending Rs. 15,000 a month on the Swiggy app, you can earn Rs. 1500 cashback. Additionally, you can earn 5% cashback from various online websites like Amazon, Flipkart, Myntra, Online Medicine Ordering Websites, and others listed under MCCs (Merchant Category Codes).

If you spend Rs. 10,000 on Swiggy (for food and grocery delivery) and Rs. 15,000 on other 5% merchants (Amazon/Flipkart/Myntra/Online Medicine/etc) per month, you can earn a total of Rs. 1,750 cashback each month. That's Rs. 21,000 cashback in a year against Rs. 3 lakh worth of spends, which is equivalent to 7% cashback.

However, the only drawback of this credit card is that you can only redeem your cashback on the Swiggy app, limited to food delivery, dining, grocery delivery, or Swiggy Genie (local parcel delivery). If you are comfortable with this type of redemption, this card is a good choice. Otherwise, if you prefer real cashback, you may want to consider the HDFC Bank Millennia Credit Card or other credit cards in the same category.

as it is hdfc card so how much cashback if buy amazon gift voucher via smartbuy through hdfc swiggy credit card.

or directly on amazon .

pls share the associated smartbuy cashback limits on this hdfc swiggy cc

 

[Tejo]

as it is hdfc card so how much cashback if buy amazon gift voucher via smartbuy through hdfc swiggy credit card.

or directly on amazon .

pls share the associated smartbuy cashback limits on this hdfc swiggy cc

1k on smartbuy purchases.

Amazon purchases comes under 5% cashback capped at 1500 per month. But cb depends upon mcc codes. 🤣🤣🤣

Note: correct me, if I'm wrong.

 

[CHOCOPANDA]

🥳🥳🥳

Approval of HDFC swiggy card as 3rd card

✔️ Alternative of millenia, sbi cb, axis ace. If you don't have*

what are your previous 2 cards

 

[CHOCOPANDA]

1k on smartbuy purchases.

Amazon purchases comes under 5% cashback capped at 1500 per month. But cb depends upon mcc codes. 🤣🤣🤣

Note: correct me, if I'm wrong.

1k on smartbuy. but at what %. 5% or 1%

 

[Tejo]

1k on smartbuy. but at what %. 5% or 1%

Smartbuy for instantvouchers 5% cb.

For remaining, depends on merchant .... check smartbuy only.

 

[CHOCOPANDA]

Smartbuy for instantvouchers 5% cb.

For remaining, depends on merchant .... check smartbuy only.

are u sure. because co brnded tata neu plus credit card gives merely 1% cashback on smartbuy for voucher.airline. railway tickets. so asked it.

is there any official tnc on smartbuy 5% voucher with swiggy credit card.
also 1% is default cashback on credit card.

for example 10000gift voucher
1.25% convenience fee is 10125 spent from card and will get 101 default cashback and 500rs cashback and 10000 gv

 

[Pavan]

I called my RM she said she can't share last digit of number card and it's confidential
I called normal CC and asked for last four digit they shared and i added the card to mycard and able to see

Not sure why my RM treats me like this.

 

[LordVoldemort]

I called my RM she said she can't share last digit of number card and it's confidential
I called normal CC and asked for last four digit they shared and i added the card to mycard and able to see

Not sure why my RM treats me like this.

You should only be worried if your RM treats you better, This however is perfectly normal.
My Rm calls me only when she feels that i have too much money and it should be safely in ULIPs

 

[Pavan]

You should only be worried if your RM treats you better, This however is perfectly normal.
My Rm calls me only when she feels that i have too much money and it should be safely in ULIPs

Am fed with her for every issue i have Write to escalation team

 

[LordVoldemort]

Am fed with her for every issue i have right to escalation team

Actually if we write about our RMs - sometimes they get the hint of it-- Mine called me once and conveyed me i should be proud to have her as my RM 🤐

 

[Deleted member 16965]

I called my RM she said she can't share last digit of number card and it's confidential
I called normal CC and asked for last four digit they shared and i added the card to mycard and able to see

Not sure why my RM treats me like this.

Aapne RM ki ULIP lollipop khayi thi ya nahi? If not then whatever your RM says comes under confidential bank policies.

 

[Pavan]

Aapne RM ki ULIP lollipop khayi thi ya nahi? If not then whatever your RM says comes under confidential bank policies.

Nope already got fooled once so now am careful

 

[ARV]

Fortunately I don’t even have an RM assigned to my account. Lol I have a salary account with them for 12 years now