Swiggy HDFC Bank Credit Card

What's in store for you

Swiggy Credit Card Savings Calculator

Eat, Earn, Repeat: Get more with the swiggy card.

More rewards than ever before

Welcome Benefits

  • Complimentary 3 Months Swiggy One Membership, on activating your card within first 30 days of card issuance.

Swiggy Benefits

  • 10% CashBack on spends across Swiggy App on Food orders, Instamart, Dineout & Genie.

Credit Benefits

  • Up to 50 days of interest-free Credit from the date of purchase*

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Swiggy HDFC Bank Credit Card

Additional Benefits

Wondering if you are eligible?

Salaried

  • Nationality: Indian
  • Age: 21 – 60 years
  • Income (Monthly) - ₹15,000 and above

Self-Employed

  • Age: 21 – 65 years
  • Annual ITR > ₹6,00,000
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Documents required to get you started

Identity Proof

  • Passport
  • Aadhaar card
  • Voter ID
  • Driving licence
  • PAN card
  • Passport size photographs

Address Proof

  • Utility bills (electricity, water, gas, or telephone)
  • Rental agreement
  • Passport
  • Aadhaar card
  • Voter ID

Income Proof

  • Salary slips (for salaried individuals)
  • Income Tax Returns (ITR)
  • Form 16
  • Bank statements

Apply Now in 3 Easy Steps:

The Steps are:

  • Step 1 - Provide & validate your Phone Number & Date of Birth/PAN
  • Step 2- Confirm your details
  • Step 3- Select your Card
  • Step 4- Submit & Receive your Card*

*In certain cases, uploading documents and completing video KYC might be required.

Swiggy HDFC Bank Credit Card Application Process

Know more about the card

Credit Card Management & Controls

    Netbanking

    To enable card controls for your HDFC Bank Credit Card through NetBanking, follow these steps:

    1. Log in to HDFC Bank NetBanking using your Customer ID.

    2. Go to the Cards Tab >Select the card > Click Manage card>Manage Domestic and International Limits.

    3. You will be able to view your existing daily domestic and international usage limits.

    4. Enable or disable Online, Contactless, and International usage based on your preference.

    5. Click ‘Update’, enter the OTP received on your registered mobile number, and then click ‘Continue’.

    6. Your selected card controls will be updated instantly.

    Mobile Banking

    To enable card controls for your HDFC Bank Credit Card conveniently through our HDFC Bank MobileBanking App, follow these steps:

    1. Open the HDFC Bank MobileBanking App and log in using your credentials.

    2. Go to the ‘Cards’ section from the menu.

    3. Select the HDFC Bank Credit Card for which you want to enable card controls.

    4. Click ‘Manage Limits’, then enable/disable transaction types such as Online Transactions, Contactless Payments, and International Usage, or set transaction limits according to your preference.

    5. Click ‘Update’ to confirm your changes and enter your MPIN. The updated card control settings will be applied instantly.

    For more detailed management, you can also use our MyCards platform at https://mycards.hdfc.bank.in/ which offers a seamless experience without the need for passwords or downloads.

    MyCards

    To enable card controls for your HDFC Bank Credit Card via MyCards, follow these steps:

    1. Visit the MyCards portal- https://mycards.hdfc.bank.in/ on your desktop or mobile.

    2. Log in using your registered mobile number and the OTP received.

    3. For first-time users, enter the last four digits of your card.

    4. On the card homepage, click the ‘Card Control’ tab.

    5. Enable/disable features such as Online Transactions, Contactless Transactions, International Usage, and set usage limits as per your preference.

    6. Confirm your settings, and the changes will be applied instantly.

    PayZapp

    You can conveniently enable card controls for your HDFC Bank Credit Card through PayZapp by following these steps:

    1. Open the PayZapp app and log in using your credentials.

    2. On the homepage, tap the ‘MyCards’ tab> Select ‘Go to MyCards’.

    3. Log in using your registered mobile number and the OTP sent to your mobile.

    4. If you are a first-time user, enter the last four digits of your HDFC Bank Credit Card.

    5. On the card homepage, tap the ‘Card Control’ tab.

    6. Enable or disable features such as Online Transactions, Contactless Transactions, and International Usage, or set usage limits according to your preference.

    7. Confirm your settings. The updated card control settings will be applied instantly.

    WhatsApp Banking

    To enable card controls for your HDFC Bank Credit Card using WhatsApp Banking, follow the steps given below:

    1. Add HDFC Bank’s official WhatsApp number – 7070022222– to your contacts.

    2. Send the text "Credit Card" to this number.

    3. You will receive a reply with options. Choose the option “Manage My Card”

    4. You will receive a reply with options to select “Domestic / International/ Enhance limits”

    5. Choose the option you want to enable, such as Domestic Online Transactions, Contactless Transactions, or International Transactions.

    6. Enter the transaction limit you want to set. An OTP will be sent to your registered mobile number. Enter the OTP to confirm the change.

    7. Enter the last 4 digits of your Credit Card number.

    8. The current status of the selected transaction type will be shown as Enabled.

    IVR

    To enable or modify your HDFC Bank Credit Card controls and transaction limits, you can contact HDFC Bank's toll-free numbers:

  • Toll-free numbers: 1800 1600 or 1800 2600 (available from 8 am to 8 pm)
  • For overseas travel assistance: 022-61606160

    • By contacting our toll-free numbers, you can enable/modify limits for Domestic, International, Online, Contactless, ATM, and POS transactions on your Debit or Credit Card.

Revolving Credit

Fees and Charges

 
  • Joining Fee / Renewal Membership Fee – ₹500 /- + Applicable Charges
  • Spend ₹2,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off
  • Exclusions for Spends of ₹ 2,00,000 and above for eligibility of renewal year fee waiver are as follows:
    1. Cash on Call
    2. Balance Transfer
    3. Cash Withdrawal.

Click here for Card Member Agreement

Check Now to know more details of Fees and Charges

Revolving Credit

Card Reward & Redemption Program

Cashback earned on Swiggy HDFC Bank Credit Card will be in the form of Statement Credit post 21st Jun ’24. Cashback for the previous month will be adjusted in the subsequent month’s statement balance

Fuel Surcharge Waiver

Contactless Payment

  • Swiggy HDFC Bank Credit Card is enabled* for Contactless Payments at retail outlets. 

(Note: In India, payment through contactless mode is allowed for a maximum of ₹5,000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5,000, the Card holder must enter the Credit Card PIN for security reasons. You may check for the Contactless Network Symbol on your card.)

Contactless Payment

Additional Features

Smart EMI

  • Option to convert big spends into EMI after purchase available on Swiggy HDFC Bank Credit Card. (Click here to know more)   

Zero Cost Card Liability

  • Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank’s 24-hour Call Centre.

CashBack Limit

  • CashBack is not applicable on transactions less than ₹100
Additional Features

Revolving Credit

  • Available at a nominal interest rate. (Check Fees and Charges section for more details)
  • Cardholder can activate the card by following one or more below mentioned ways in order to enjoy the welcome benefit:
    1. Making a transaction using the Credit Card,
    2. To use the card via OTP or IVR, setting PIN for the card, and enabling card controls such as online transactions, enabling international transactions etc.
  • For more details on card activation,  Click Here
  • The customers need to claim 'Swiggy One' on Swiggy app post card activation to unlock the benefit.
  • This option will be available on the Swiggy app within 2-3 days of card activation
Revolving Credit

Swiggy HDFC Bank Credit Card Value Chart

Benefits Offers Monthly Spends Annusal Savings
Cashback & Key Milestones 10% Cashback on Swiggy Food ordering* 15000 18000
  5% Cashback on E-shopping spends* 30000 18000
  1% Cashback on all other categories* 50000 6000
Additional Benefits Swiggy One Membership*(3 months) 1199
 

Avg. savings* for 3 months on usage of Swiggy One Membership

   2100
    95,000 45299
*T&Cs apply
Revolving Credit

Most Important Terms and Conditions

  • *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
  • Click here for product specific T&C.
  • Click here to access all important links related to your Credit Card.
  • Click here for the card member agreement
Revolving Credit

Application Channels

You can choose any of the following easy options to apply for your HDFC Bank Credit Card:

  • 1. Website
    You can quickly apply online by clicking here.
  • 2. NetBanking
    If you're an existing HDFC Bank customer, simply log in to NetBanking and apply from the ‘Cards’ section.
  • 3. HDFC Bank Branch
    Prefer a face-to-face interaction? Just visit your nearest branch and our staff will help you with the application.
Ways to Apply

Frequently Asked Questions

You are eligible to earn 10% Cashback on Swiggy App transactions (Food ordering, Instamart, Dineout & Genie) up to ₹,1500 per billing cycle. Please note that transactions done using Swiggy Money Wallet, Swiggy Liquor, Swiggy Minis won’t earn you any cashback. Also, any other exclusion category (if any) may be communicated to you from time to time. With Swiggy HDFC Bank Credit Card, you can enjoy 5% Cashback on various online categories up to ₹1,500 per billing cycle. This benefit is applicable on Apparels, Electronics, Dept. Stores, Personal Care, Local Cabs, Home Décor, Pet Stores and Supplies, Pharmacies, Discount Stores and Entertainment. For more information on inclusion categories and MCCs please refer to Swiggy HDFC Bank Credit Card T&Cs available on HDFC Bank website.

Over and above this, you can also enjoy 1% CashBack on other categories up to ₹500 per billing cycle except on Fuel, Rent, EMI, Wallet, Jewelry and Govt. related spends. For more details on key benefits, please refer to Swiggy HDFC Bank Credit Card T&C For information on welcome benefit please refer to Q.4 .

Cashback will not be accrued for the following transactions using Swiggy HDFC Bank Credit Card Wallet Rent Government related transactions Fuel  Jewellery  EMI (all types) Cash advances, Purchase of travelers’ cheques, Purchase of foreign currency and fees, Interest charge and penalties Any other categories as decided from time to time. This will be applicable on Offline spends 

The customers can save up to ₹42,000 annually and even more with Swiggy HDFC Bank Credit Card.

Refer table in the PDF

The Swiggy One Membership is a premium subscription program for Swiggy users. A single membership that offers unlimited benefits across restaurants, Instamart and Genie orders on Swiggy including free delivery and exclusive discounts from select restaurants.

Click here to read more FAQs

Complimentary Swiggy One Membership for 3 Months on card activation as per latest RBI guidelines. In accordance with RBI guidelines, cardholder can activate the card by following one or more below mentioned ways:  

  • Making a transaction using the Credit Card,  

To use the card via OTP or IVR, setting PIN for the card, and enabling card controls such as online transactions, enabling international transactions etc.

Please click here for more details on card activation. Link: https://www.hdfcbank.com/personal/pay/cards/credit-cards/credit-card-activation-guidelines Please note that definition of RBI prescribed card activation may change from time to time. Always refer to current definition of card activation as per RBI, in order to unlock the welcome benefit. 

In case the cardholder is already a Swiggy One member, the membership will be extended for next 3 months. Please refer to Swiggy One Membership T&Cs available on Swiggy App for more details. Please click here (available on the section under Swiggy One Membership Specific terms) for the detailed T&Cs Link:https://www.swiggy.com/terms-and-conditions.

Swiggy HDFC Bank Credit is a best-in-class product which offers accelerated benefits on Swiggy App and online shopping. Additionally, get a cashback on usage of the card on all other offline spends as well. On activation of the card, get a Swiggy one membership as welcome benefit for 3 months. The card is designed specifically for Swiggy users and customers who have an affinity towards online shopping. HDFC Bank is offering this card in partnership with Swiggy.

Swiggy HDFC Bank Credit Card

  • Welcome Benefits
  • Cashback
  • Contactless Payment
Swiggy Credit Card

Frequently Asked Questions

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