5% cashback swiggy hdfc confirmed merchants list

[b4bhar]

Guys,

Those who are using Swiggy hdfc card, can you please confirm the merchants that are confirmed to get 5% cashback? I see that Amazon, Myntra, Flipkart, Ola, Uber, BMS, 1mg, Meesho and Ajio are confirmed based on their advertising.

Can you please list other merchants that you have confirmation for the 5% cb?

Thank you!

 

[shenoyanil98]

I did a transaction on truemeds using swiggy card. no cashback received.

Not even 1%?

 

[blacklistperformer]

Dear All,

Will swiggy hdfc card give 5% cashback for shopping on Samsung online store (corporate) ?

Can you confirm about the cashback? Did you got it?

 

[knight]

Has anybody tried adding swiggy money using HDFC Swiggy card?

There are 2 options. Add balance & buy gift card.

Does any option give 10% ?

 

[b4bhar]

ev

Has anybody tried adding swiggy money using HDFC Swiggy card?

There are 2 options. Add balance & buy gift card.

Does any option give 10% ?

everything depends on the MCC. Gift cards only get 1% cb. but orders made through swiggy like instamart, dineout and food delviery gets 10% for sure

 

[Himanshuch]

Can you confirm about the cashback? Did you got it?

Yes, i got 5% on samsung.com.

 

[knight]

ev

everything depends on the MCC. Gift cards only get 1% cb. but orders made through swiggy like instamart, dineout and food delviery gets 10% for sure

I know it depends on mcc, that's why I had asked if anyone 'tried' to confirm MCC.

 

[b4bhar]

I know it depends on mcc, that's why I had asked if anyone 'tried' to confirm MCC.

just trying to understand your reasoning behind adding swiggy gift card as you anyways directly get 10% cb on swiggy with this card. Am i missing something here?

 

[knight]

just trying to understand your reasoning behind adding swiggy gift card as you anyways directly get 10% cb on swiggy with this card. Am i missing something here?

My family orders groceries sometimes, so they won't have to depend on me for OTP and can just order using swiggy wallet.
Also, to utilize the 1500 cap more effectively, add money when i have less spends and use when have more than 15k in a month.

Primarily the first one.

 

[b4bhar]

My family orders groceries sometimes, so they won't have to depend on me for OTP and can just order using swiggy wallet.
Also, to utilize the 1500 cap more effectively, add money when i have less spends and use when have more than 15k in a month.

Primarily the first one.

Understood. Do let us know if loading swiggy wallet gives 5% or just 1%

 

[Shaktimaan V2.0]

Recently I came to know that minimum transaction amount to qualify for CB is Rs.100. So, for lower amount transaction we can use Swiggy wallet if this works.

 

[Gau₹av]

Recently I came to know that minimum transaction amount to qualify for CB is Rs.100. So, for lower amount transaction we can use Swiggy wallet if this works.

Is this published anywhere in Swiggy credit card's T&C?

 

[Shaktimaan V2.0]

Yes, Section 4.1 TnC
Also, in Swiggy App it is showing

 

[Gau₹av]

Yes, Section 4.1 TnC
Also, in Swiggy App it is showing

OHH! Yet the pathetic Swiggy app falsely shows that we will receive cashback for lower than ₹100 txns as well. Shameless company with shoddy developers

 

[card-shard]

Is this published anywhere in Swiggy credit card's T&C?

Almost all cards that give reward points/cashback have some min TXN value mentioned in T&C.
Unfortunately most people don't bother reading T&C (which is very important in case of banking products: loan, credit, insurance, term plan, etc...) causing mismatched expectations.

I wish that more & more started reading T&C docs of all banking products, it's super important.

 

[Gau₹av]

Almost all cards that give reward points/cashback have some min TXN value mentioned in T&C.
Unfortunately most people don't bother reading T&C (which is very important in case of banking products: loan, credit, insurance, term plan, etc...) causing mismatched expectations.

I wish that more & more started reading T&C docs of all banking products, it's super important.

That is not the point! You are completely missing the point. I am not saying HDFC Bank is wrong here if they have published T&C about it. But Swiggy is. It seems you are defending either of the 2 parties here. I fully agree that people need to read the fine print in T&C. Conversely, if they do miss the fine print, then they are not entitled to any compensation from the bank via RBI. But the Swiggy app advertises in green letters the exact calculated cashback we will get on orders even below ₹100. Even though the user won't be getting it. Direct contradiction of HDFC Bank's T&C. The app should absolutely not do that. Are Swiggy app developers so incompetent to hide this 'Additional ₹XYZ cashback' message entirely if final order value is below ₹100? They can easily do that. They chose not to. It's been over a year since the card launched, I find it difficult to believe nobody complained about this to them, they've decided to mislead the user for now. How many people actually check each and every txn in the statement and calculate the 10% cashback given to them (especially since card's statement is not transparent about the cashback given, they don't give txn wise breakdown)

 

[b4bhar]

Recently I came to know that minimum transaction amount to qualify for CB is Rs.100. So, for lower amount transaction we can use Swiggy wallet if this works.

I just checked the same for HSBC Live+ and CC confirmed no minimum transaction for incurring the cashback. They calculate the overall cashback for the month on all the transactions and post.