Swiggy HDFC Credit Card: The Swiggy HDFC Credit Card, a co-branded in partnership with popular food and grocery delivery platforms in the country, Swiggy India and HDFC Bank, basically designed for all the Swiggy users. This credit card offers cashback across Swiggy platforms, including food delivery, Instamart, Dine Out and Genie. And also, across multiple online platforms and offline and other spends.
Through this credit card most of the working people can use Instamart for monthly staples and groceries or use food delivery services several times a month. The cashback is earned in the form of Swiggy Money that can be further used on Swiggy platforms, which should be fine by Swiggy loyalists.
Therefore in this article we are going to see the features and benefits of the Swiggy HDFC Credit Card and the eligibility to apply for the same.
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Contents
1. Swiggy HDFC Credit Card Features and Benefits
The Swiggy HDFC Credit Card comes with the amazing offers across different categories, including travel, rewards and many more.
Here we have mentioned the features and benefits offered by the Swiggy HDFC Credit Card:
- Welcome Benefits: As welcome gift get 3 months Complimentary Swiggy One membership, get 10% cashback on the Swiggy app for transactions related to food ordering, Instamart, Dineout and Genie. However, transactions made via Swiggy Money Wallet, Liquor and Minis will not accrue the 10% accelerated cashback, get 5% cashback on online spends across top brands across various categories with monthly capping of up to Rs. 1,500, and also get 1% cashback on all other category spends, including offline transactions, with monthly capping of up to Rs. 500.
- Dining Benefits: 10% Cashback on Swiggy app including food orders, Instamart, Dineout, and more.
- Travel Benefits: Get Upto 5% cashback on merchants like Uber and Ola.
- Renewal Fee Waiver: On reaching the yearly spends of Rs. 2 lakh before the card renewal date, card renewal or annual fee is waived off. The transactions made via Cash on Call, cash withdrawal and balance transfer are excluded from the total annual spends calculation for annual fee waiver.
- Reward points: On all the eligible transactions through Swiggy HDFC Credit Card can earn cashback as Swiggy Money, which can be only redeemed for food delivery order on Swiggy along with Instamart, Dineout and Genie. While some may prefer a direct cashback through statement credit (available on most cashback cards like Flipkart Axis and Cashback SBI), redemption through Swiggy Money should also be quite acceptable, especially to Swiggy loyalists, just because of the range of services and products available on the Swiggy platforms.
- Zero Liability Protection: In case of lost of your Swiggy HDFC credit card, you need to report the loss immediately, then you can avail the facility of zero liability on fraudulent transactions made through your card. To report you can contact the 24-hour HDFC Bank call centre.
2. Swiggy HDFC Credit Card Fees and Charges:
- The Joining fee charges are- Rs.500 along with applicable charges.
- The Annual fee and renewal fee charges, an annual membership fee of Rs. 500 and On yearly spending of Rs.2 lakh or more as renewal fees.
- The Cash withdrawal fee, is 2.5% i.e., Rs. 500 of the withdrawn amount.
- An interest rate of 3.6% per month or 43.2% per annum is applicable on the due amount of the card if the cardholder is unable to clear all the dues by the payment due date.
- On all the Foreign currency transaction, you have to pay forex fee of 3.5% on the transacted amount. This fee is to be paid on all international transactions done using this credit card.
3. Swiggy HDFC Credit Card Eligibility Criteria to Apply:
The common eligibility criteria and the documents required to apply for Swiggy HDFC Credit Card are as follows:
- The age limit for applying for this card is 21-60 years of age for salaried employees with minimum monthly salary of ₹25,000 and 21-65 years of age for self-employed individuals with an ITR return of ₹6 Lakhs or more per annum.
- The cardholder should be an Indian resident.
- For Identity Proof documents you need are Aadhar Card, Voters Id, PAN Card, Passport, Driving License, Copy of the applicant’s ticket/Visa (self-attested) and Copy of your Passport (self-attested).
- For Address Proof, Utility bills of the latest months, Aadhar Card, Passport, and Ration card are the needed documents.
- For Income Proof, you need to submit the latest bank statement as a salaried person, and can also, submit your company ID card, and if you are self-employed, you should submit your latest ITR.
4. How to Apply for Swiggy HDFC Credit Card:
For Swiggy HDFC Credit card you can apply online. Here are the steps to be followed to apply for your Swiggy HDFC Credit card:
- Step 1: Visit Official website and register for NetSafe using your primary credit card at- netsafe.hdfcbank.com
- Step 2: Then, enter the primary card details including card number, expiry date, and CVV number.
- Step 3: Next, once it is submitted, a one-time password (OTP) will be sent to your registered mobile number or email ID.
- Step 4: Enter the OTP to successfully complete your registration process.
This the way in which you can apply for Swiggy HDFC Credit card online.
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