Lenovo Website 5% Cashback + HDFC Swiggy Card Cashback — Stackable?

[Maitri_Maniya]

Lenovo is offering 5% cashback on purchasing accessories through their website using any credit card.
The HDFC Swiggy Credit Card also offers 5% cashback on online shopping.
If I pay using my HDFC Swiggy credit card, will I receive an additional 5% cashback, making it a total of 10%?
Or since I already receive 5% cashback from the Lenovo offer, will the HDFC Swiggy card’s 5% not apply, and I’ll only get 5% in total?

 

[helloworld]

For u and anyone who has similar query (or new to credit cards):

TL;DR;

- YES, Both are stackable and applies not only HDFC but all bank cards.

-------------------------------------------------------------

There are majorly two types of cashbacks when u do any purchase.

- Upfront (offered by store or website)
- Statement Credit (offered by credit card)

Both works same time and this is the reason people suggest to use 'any card' to purchase 'things' because it gives additional cashback/rewards as part of your regular purchase instead 'CASH' (where u won't get additional).

Regular Purchase means: Billed amount (factoring discounts and etc. offers)

----------------------

So, if u go to DMart and purchase 4x100g Soaps with ₹15 off and store offered u 5% discount on ₹100 purchase when paid through any card means..

MRP: ₹115
Product Offer: ₹15
Billed Amount: ₹100 (eligible for store discount 5%)

Net amount you'll pay (and see in OTP/PIN page): ₹95

-------------------------

Once this paid, now your credit card cashback/rewards comes into picture: and provide 5% on that ₹95 to ur statement (they don't care whether u got product offer, store offer etc. its on billed amount).

Note: In SBI (particularly and currently AFAIK only in SBI) --- If you avail the instant discount with SBI card (like 10%) then you're not eligible for additional cashback/rewards in statement.