HDFC Swiggy Credit Card Review

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Charges and Welcome Benefits​

Joining Fees	₹500 + GST
Welcome Benefits	3 Months Swiggy One Membership
Annual Fees	₹500 + GST
Annual Fee Waiver	Spend ₹2L on your card in a year for an annual fee waiver.
Add-on Fees	NIL
Card Category	Cashback

As you can see the joining fee is being compensated with a 3 months Swiggy One Membership which I would say is not clever on their part. The card could have been priced a bit higher and provided with a Swiggy One membership as long as the card is active.

​

Reward Rate​

Spends Area	Cashback	Capping
Food ordering, Instamart, Dineout & Genie on Swiggy*	10%	Online Spends (Apparel, Department Store, Electronics, Entertainment, Home Decor Medical Stores & Pharmacies, Personal Care, Local Cabs, Pet Stores & Supplies & Discount Stores)
Online Spends (Apparel, Department Store, Electronics, Entertainment, Home Decor Medical Stores & Pharmacies, Personal Care, Local Cabs, Pet Stores & Supplies & Discount Stores)	5%	Maximum discount of ₹1,500 per statement cycle.
Others	1%	Maximum discount of ₹500 per statement cycle.

• *Cashback cannot be earned on transactions made using Swiggy Money Wallet, Swiggy Minis & Swiggy Liquor, and any other categories decided later (if any).
• Only Selected merchants are valid for 5% cashback.
• No cash back for transactions less than ₹100.
• No cash back will be given for Fuel, Rent, EMI, Wallet Loads, Jewellery and Government transactions.
• The cashback will always be rounded down to the nearest integer on every transaction.
• Card Cashback will be auto-credited to the Swiggy Money account within 10 days of statement generation.

HDFC strangely haven’t clearly stated the name of the merchants eligible for the 5% cashback and will not give the customers confidence in doing any spending on that category.


Complete Article Link - https://www.technofino.in/hdfc-swiggy-credit-card-review/

 

[raghu.rokda]

For those who spent more on Swiggy only

 

[iamdhamo]

It's unlimited cashback right on swiggy as swiggy money or capped at 30000?

 

[SSV]

It's unlimited cashback right on swiggy as swiggy money or capped at 30000?

are you running a food stall? really .. this is not that useful card..
anyway .. this is the answer you are looking for...

 

[iamdhamo]

are you running a food stall? really .. this is not that useful card..
anyway .. this is the answer youare looking for...

View attachment 37967

Thank you for the info and I don't run any food stall .it's for my friend cos they order from swiggy for tea and snacks for their employees

 

[nangkong]

With this card, would I be able to avail discount offers exclusive to hdfc cards on purchases during sales on Amazon and during promotional periods on Apple's online store? I read somewhere online that co-branded cards do not get access to such offers. Is it true?

 

[ABindal]

Hi, I applied for the card and got one, but found this card redundant.
If you have Airtel Axis and /or HSBC Cashback, this just sounds like a dumb card. Not worth the annual fee and waiver terms they are asking for.