Swiggy Credit card issue

[karanarora]

I got the Swiggy HDFC credit card recently but the issue is that, this card doesn't work on Amazon for HDFC offers and works only on some offers on Flipkart. I mailed grievance redressal team for this issue but they're clueless and also tried to get this card changed to a core card like Millenia but they denied. Because of this issue, I am not able to use this card, should I close this card now and apply again through c2c route after few months or try again getting this card changed to Millenia?

And what is the cooldown period in HDFC after closing?

 

[yusuf646]

I got the Swiggy HDFC credit card recently but the issue is that, this card doesn't work on Amazon for HDFC offers and works only on some offers on Flipkart. I mailed grievance redressal team for this issue but they're clueless and also tried to get this card changed to a core card like Millenia but they denied. Because of this issue, I am not able to use this card, should I close this card now and apply again through c2c route after few months or try again getting this card changed to Millenia?

And what is the cooldown period in HDFC after closing?

It's a good card for cashback purposes. If you want to claim instant discounts on Amazon or Flipkart, then apply for an HDFC Virtual Rupay Card as an additional card.

 

[karanarora]

It's a good card for cashback purposes. If you want to claim instant discounts on Amazon or Flipkart, then apply for an HDFC Virtual Rupay Card as an additional card.

I have SBI Cashback card too, just want Millenia card as it gives additional cashback. And with this Swiggy card, there are too many MCC restrictions for 5% cashback. Recently I used it on Samsung website, was eligible to receive 5% for electronic category but only received1%

 

[yusuf646]

I have SBI Cashback card too, just want Millenia card as it gives additional cashback. And with this Swiggy card, there are too many MCC restrictions for 5% cashback. Recently I used it on Samsung website, was eligible to receive 5% for electronic category but only received1%

HDFC Millennia gives 5% cashback only on the following 10 merchants:

Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato.

While HDFC Swiggy gives 5% cashback on all eligible MCCs, HDFC Millennia has a lower monthly cashback cap of ₹1000 compared to ₹1500 on HDFC Swiggy.

HDFC Millennia also has higher annual fees of ₹1000 compared to ₹500 on Swiggy.

Overall, HDFC Swiggy is a better card than HDFC Millennia; the only downside is that it is a co-branded card.

 

[yusuf646]

Recently I used it on Samsung website

You'll get the same 1% cashback if you use HDFC Millennia instead of HDFC Swiggy.

 

[tchawla2]

HDFC Millennia gives 5% cashback only on the following 10 merchants:

Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato.

While HDFC Swiggy gives 5% cashback on all eligible MCCs, HDFC Millennia has a lower monthly cashback cap of ₹1000 compared to ₹1500 on HDFC Swiggy.

HDFC Millennia also has higher annual fees of ₹1000 compared to ₹500 on Swiggy.

Overall, HDFC Swiggy is a better card than HDFC Millennia; the only downside is that it is a co-branded card.

Currently Swiggy credit card is better than Millenia. As mentioned above, get the Virtual Rupay card for instant discount offers. Most of the co-branded cards don't work with other brand's instant offers and that's not just for HDFC.

 

[UdayTr]

I have SBI Cashback card too, just want Millenia card as it gives additional cashback. And with this Swiggy card, there are too many MCC restrictions for 5% cashback. Recently I used it on Samsung website, was eligible to receive 5% for electronic category but only received1%

I used it on samsung site too got 5%. Are you sure it was 1%?, might have also hit the cap of 1500 per statement cycle based on your amount paid.

 

[karanarora]

I used it on samsung site too got 5%. Are you sure it was 1%?, might have also hit the cap of 1500 per statement cycle based on your amount paid.

Yes I confirmed with CC, they told that the MCC isn’t in the Electronics category, it was 4812

 

[UdayTr]

Yes I confirmed with CC, they told that the MCC isn’t in the Electronics category, it was 4812

Strange, shouldn't same site have same mcc? mine was 5732 and hence was eligible.

 

[anonymuos]

1 thing Millennia has over Swiggy card is it gives 5% on Gift vouchers on Amazon and grocery MCC e.g. Flipkart Grocery. Swiggy card excludes CB on grocery entirely except if bought from Swiggy Instamart. Mentioned in this PDF of MCCs: https://www.hdfcbank.com/content/bb... HDFC Bank Credit Card/5-Cashback-Details.pdf

 

[mshenoy]

Strange, shouldn't same site have same mcc? mine was 5732 and hence was eligible.

Sometimes during payment in big ecom companies mcc changes for different situations.

 

[nirmalya]

Yes, agreed there are far too many restrictions with MCC. You will not know whether you are getting the cashback unless the statement is generated and you calculate the cashback. I did a transaction in Reliance Digital online but it did not give me 5% cashback.

 

[Vaayu Nandana Govinda]

I have SBI Cashback card too, just want Millenia card as it gives additional cashback. And with this Swiggy card, there are too many MCC restrictions for 5% cashback. Recently I used it on Samsung website, was eligible to receive 5% for electronic category but only received1%

Which Product U Purchased On Samsung ??

 

[Sahil_07]

HDFC Millennia gives 5% cashback only on the following 10 merchants:

Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato.

While HDFC Swiggy gives 5% cashback on all eligible MCCs, HDFC Millennia has a lower monthly cashback cap of ₹1000 compared to ₹1500 on HDFC Swiggy.

HDFC Millennia also has higher annual fees of ₹1000 compared to ₹500 on Swiggy.

Overall, HDFC Swiggy is a better card than HDFC Millennia; the only downside is that it is a co-branded card.

Is swiggy card eligible for 5% cashback at the time of buying Amazon pay vouchers from Amazon?

 

[karanarora]

Hi everyone,

I got a reply from HDFC, they’re willing to change it to MoneyBack+, should I go for it or insist for Millenia?

@SSV @tchawla2

 

[karanarora]

Which Product U Purchased On Samsung ??

It was a phone

 

[SSV]

Hi everyone,

I got a reply from HDFC, they’re willing to change it to MoneyBack+, should I go for it or insist for Millenia?

@SSV @tchawla2

Insist on Millenia

 

[karanarora]

Insist on Millenia

Okay, I currently have 81k limit on Swiggy card, I heard there is floor limit of 1L for Millenia, is it true?

 

[SSV]

Okay, I currently have 81k limit on Swiggy card, I heard there is floor limit of 1L for Millenia, is it true?

yes, I think so.. but if the Bank wants, they can give you Infinia also on 1L limit..

 

[karanarora]

yes, I think so.. but if the Bank wants, they can give Infinia also on 1L limit..

Okay, have mailed them for Millenia. Will update here if they agree