HDFC Bank Swiggy Credit Card: Difference between revisions

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The '''Swiggy HDFC Bank Credit Card''' is the one of the most popular co-branded credit cards offered by HDFC Bank. This cashback credit card offering has been focused online shopping since its introduction in July 2023.
The '''HDFC Bank Swiggy Credit Card''' is the one of the most popular co-branded credit cards offered by HDFC Bank. This cashback credit card offering has been focused online shopping since its introduction on 26th July 2023.


== Charges ==
== Charges ==
Line 15: Line 15:


== Key Features & Benefits ==
== Key Features & Benefits ==
=== Golf Benefits (Mastercard Variant) ===
* Access to golf courses worldwide and 12 free lessons per year .
* 4 complimentary rounds of green fees per calendar year.
* Discounted golf services at 50% of the green fee beyond complimentary sessions.
== Reward System ==


=== Online Shopping ===
=== Online Shopping ===
* 10% Cashback on Swiggy application (Food ordering, Instamart, Dineout & Genie).
* 10% Cashback on Swiggy application (Food ordering, Instamart, Dineout & Genie).
* 5% Cashback on online spends across online MCCs.
* 5% Cashback on online spends across online MCCs.
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* 1% cashback (except Fuel, EMI, Wallet, Rent payments, Jewellery, Govt related transactions).
* 1% cashback (except Fuel, EMI, Wallet, Rent payments, Jewellery, Govt related transactions).


=== Golf Benefits (Mastercard) ===
=== Terms & Conditions: ===


* Access to golf courses worldwide and 12 free lessons per year .
*Exclusions for 10% Cashback Category: Swiggy Money Wallet, Swiggy Liquor, Swiggy Minis, Any other category decided later (if any)
* 4 complimentary rounds of green fees per calendar year.
*Capping of Rs. 1500 per billing cycle is applicable for 10% Cashback Categories with Swiggy HDFC Bank Credit Card
* Discounted golf services at 50% of the green fee beyond complimentary sessions.
 
{| class="wikitable mw-collapsible mw-collapsed"
|+List of Inclusion for 5% cashback category with Swiggy HDFC Bank Credit Card –
<nowiki>*</nowiki>
!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
|-
|Pharmacies
|5122,5912,5975,8042,8043
|-
|Personal Care
|5977,7230,7297,7298
|-
|Local Cabs
|4121,4111,5511,5521,7512 (Ola, Uber, Zoom, ANI Technologies)
|-
|Online Pet Stores
|5192,5733,5735,5941,5942,5945,5995,7829,7941
|-
|Discount Stores
|5399 (Flipkart, Amazon, Meesho, Ajio)
|-
|Grocery
|5411 (Amazon, Flipkart)**
|}
<nowiki>*</nowiki> Please note that only selected merchants mapped under the above list of MCCs are eligible for 5% Cashback Category
 
<nowiki>**</nowiki>Transactions on Amazon and Flipkart registered with MCC 5411 will earn 5% cashback for statements starting 10th May 2025 onwards.
 
Please note that gift card and grocery purchased on the 5% eligible merchants and MCCs won’t earn any cashback.
 
Capping of Rs.1500 per billing per cycle is applicable on eligible 5% Cashback categories with Swiggy HDFC Bank Credit Card.
 
* List of Exclusions for 1% Cashback category with Swiggy HDFC Bank Credit Card –
 
Exclusions for 1% Cashback Category: Fuel, Rent, EMI, Wallet, Jewellery, Government related Transactions
 
Capping of Rs. 500 per billing cycle is applicable for 1% Cashback Categories with Swiggy HDFC Bank Credit Card
 
== Eligibility Criteria ==
'''For Salaried Indian national -''' Age: Min 21 years & Max 60 Years. Net Monthly Income > Rs.15,000
 
'''For Self Employed Indian national -''' Age: Min 21 years & Max 65 Years. ITR > Rs 6 Lakhs per annum

Revision as of 08:24, 2 July 2025

The HDFC Bank Swiggy Credit Card is the one of the most popular co-branded credit cards offered by HDFC Bank. This cashback credit card offering has been focused online shopping since its introduction on 26th July 2023.

Charges

  • Annual Fee: ₹500 + GST (renewable annually)
  • Joining Fee: ₹500 + GST.

Annual Fee Waiver Condition

HDFC Bank offers a waiver of the renewal fee if the cardholder spends ₹2 lakh or more in the previous card membership year.

Welcome Benefits

Upon successful card activation, the cardholder receives:

  • Complimentary Swiggy one Membership for 3 months.

Key Features & Benefits

Golf Benefits (Mastercard Variant)

  • Access to golf courses worldwide and 12 free lessons per year .
  • 4 complimentary rounds of green fees per calendar year.
  • Discounted golf services at 50% of the green fee beyond complimentary sessions.

Reward System

Online Shopping

  • 10% Cashback on Swiggy application (Food ordering, Instamart, Dineout & Genie).
  • 5% Cashback on online spends across online MCCs.
  • 1% cashback on other non-EMI spends (except Fuel, Wallet, Rent payments, Jewellery, Govt related transactions.)

Offline Use

  • 1% cashback (except Fuel, EMI, Wallet, Rent payments, Jewellery, Govt related transactions).

Terms & Conditions:

  • Exclusions for 10% Cashback Category: Swiggy Money Wallet, Swiggy Liquor, Swiggy Minis, Any other category decided later (if any)
  • Capping of Rs. 1500 per billing cycle is applicable for 10% Cashback Categories with Swiggy HDFC Bank Credit Card
List of Inclusion for 5% cashback category with Swiggy HDFC Bank Credit Card – *
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
Pharmacies 5122,5912,5975,8042,8043
Personal Care 5977,7230,7297,7298
Local Cabs 4121,4111,5511,5521,7512 (Ola, Uber, Zoom, ANI Technologies)
Online Pet Stores 5192,5733,5735,5941,5942,5945,5995,7829,7941
Discount Stores 5399 (Flipkart, Amazon, Meesho, Ajio)
Grocery 5411 (Amazon, Flipkart)**

* Please note that only selected merchants mapped under the above list of MCCs are eligible for 5% Cashback Category

**Transactions on Amazon and Flipkart registered with MCC 5411 will earn 5% cashback for statements starting 10th May 2025 onwards.

Please note that gift card and grocery purchased on the 5% eligible merchants and MCCs won’t earn any cashback.

Capping of Rs.1500 per billing per cycle is applicable on eligible 5% Cashback categories with Swiggy HDFC Bank Credit Card.

  • List of Exclusions for 1% Cashback category with Swiggy HDFC Bank Credit Card –

Exclusions for 1% Cashback Category: Fuel, Rent, EMI, Wallet, Jewellery, Government related Transactions

Capping of Rs. 500 per billing cycle is applicable for 1% Cashback Categories with Swiggy HDFC Bank Credit Card

Eligibility Criteria

For Salaried Indian national - Age: Min 21 years & Max 60 Years. Net Monthly Income > Rs.15,000

For Self Employed Indian national - Age: Min 21 years & Max 65 Years. ITR > Rs 6 Lakhs per annum

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