एचडीएफसी स्विगी क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: HDFC Bank Ltd.
Premier dining and quick-commerce card delivering 10% cashback on Swiggy Food and Instamart, plus 5% on 1,000+ top e-commerce websites.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
HDFC Swiggy Credit Card is India's leading co-branded food delivery and quick-commerce credit card. Built for urban consumers who rely daily on Swiggy Food and Instamart, it offers a lucrative 10% direct cashback on Swiggy and 5% across major online shopping portals.
Complimentary 3-month Swiggy One membership credited within 30 days of card issuance and activation.
No complimentary airport lounge access is included on this food-and-grocery focused lifestyle card.
1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000 (maximum waiver of ₹250 per statement cycle).
Annual fee reversal on ₹2,00,000 annual spend. Free Swiggy One benefits across food delivery and Instamart grocery.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried Indian individuals aged 21 to 65 with monthly salary exceeding ₹25,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹6,00,000.
न्यूनतम वार्षिक आय आवश्यकता
₹25,000/month (Salaried) / ₹6,00,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card (statutory requirement) 2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID 3. Proof of Income: Last 3 months' salary slips and 6 months' bank statements OR Latest ITR with Computation Sheet 4. Passport-size photograph.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
10% cashback on Swiggy is capped at ₹1,500 per calendar month. 5% online shopping cashback also has a ₹1,500 monthly ceiling. No airport lounge access. Spend waiver requires ₹2 Lakhs spend on a ₹500 annual fee card.
🚀आवेदन के चरण (How to Apply)
Step 1: Open the Swiggy mobile app and tap on the 'Swiggy HDFC Bank Credit Card' banner. Step 2: Enter PAN and basic personal details for instant in-principle approval. Step 3: Select preferred billing cycle and enter employment details. Step 4: Confirm current residential address for card dispatch. Step 5: Complete online Video KYC session with bank official. Step 6: Digital card linked immediately in Swiggy app; physical card dispatched within 3 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on HDFC Swiggy Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on HDFC Swiggy Credit Card into EMI?
Yes, HDFC Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on HDFC Swiggy Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into HDFC Bank Ltd.'s official mobile banking application or web portal. Cashback is automatically credited as Swiggy Money into the linked Swiggy account or adjusted as statement credit on the card. Please note: Swiggy Money cashback validity adheres to Swiggy wallet terms (typically 12 months from credit).
What is the interest-free grace period on HDFC Swiggy Credit Card and how does it work?
The interest-free period on HDFC Swiggy Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.