
# [Swiggy hdfc bank credit card](https://www.hdfcbank.com/personal/pay/cards/credit-cards/swiggy-hdfc-bank-credit-card)

## Features
#### Features
Features
* 10% Cashback on Swiggy application (Food ordering, Instamart, Dineout & Genie). For more details [Click here](/content/api/contentstream-id/723fb80a-2dde-42a3-9793-7ae1be57c87f/7f43849c-4010-46f2-b41f-5dd184269526? "10-Cashback-Details.pdf")
* 5% Cashback on online spends across online MCCs. For list of eligible MCC [Click here](/Personal/Pay/Cards/Credit Card/Credit Card Landing Page/Credit Cards/Swiggy HDFC Bank Credit Card/5-Cashback-Details.pdf "/Personal/Pay/Cards/Credit Card/Credit Card Landing Page/Credit Cards/Swiggy HDFC Bank Credit Card/5-Cashback-Details.pdf")
* 1% Cashback on other categories. For list of exclusions & capping [Click here](/content/api/contentstream-id/723fb80a-2dde-42a3-9793-7ae1be57c87f/a88238c3-f646-4430-9798-0cba493a1d22? "1-Cashback-Details .pdf")
* 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](/personal/pay/cards/credit-cards "/personal/pay/cards/credit-cards"),
* 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 RBI prescribed card activation, [Click Here](https://www.hdfcbank.com/personal/pay/cards/credit-cards/credit-card-activation-guidelines) 
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**Note:** 
* Cashback will be redeemable only on Swiggy Application as Swiggy Money. For more details on Swiggy Money please [Click here](/Personal/Pay/Cards/Credit Card/Credit Card Landing Page/Credit Cards/Swiggy HDFC Bank Credit Card/tncs-swiggy.pdf "/Personal/Pay/Cards/Credit Card/Credit Card Landing Page/Credit Cards/Swiggy HDFC Bank Credit Card/tncs-swiggy.pdf")
* Cashback cannot be earned on transactions made using Swiggy Money Wallet, Swiggy Minis & Swiggy Liquor, and any other categories decided later (if any)
* Cashback can be redeemed only post downloading the Swiggy App and linking the card with Swiggy app
#### Card Linking
Card Linking
Customers who have applied for the card through HDFC Bank portal need to link the card on the Swiggy app in order to earn cashback on eligible transactions made with the card. Card linking is a mandatory step for Swiggy one membership unlocking and cash back posting in Swiggy Money. (Note: In order to link the card, customer should install the Swiggy app first)
Please follow the below steps to link your Swiggy HDFC Bank Credit with Swiggy app –  
1. Go to Credit Card page in the Swiggy app by clicking on the Accounts section on the top right side, and
2. then selecting Swiggy HDFC Bank Credit Card
3. Go to the bottom of the Credit Card page where you will find a section on: Already Got the Card? there you can Click on: Link Your Card to Swiggy.
4. Upon clicking you will be asked to enter the Mobile number that you submitted in the Credit Card application.
5. Enter your number and submit the OTP that you receive to complete the linking of Card.
#### Additional Features
Additional Features
**Zero lost card liability:** In the unfortunate event of losing your Swiggy HDFC Bank Credit Card, on reporting it immediately to our 24-hour call centre, you have zero liability on any fraudulent transactions made on your Credit Card.
**Interest-Free Credit Period :** Up to 50 days of interest-free period on your Swiggy HDFC Bank Credit Card from the date of purchase (subject to the submission of the charge by the Merchant)
**Revolving Credit:** Available at a nominal interest rate on your Swiggy HDFC Bank Credit Card. Please refer to Fees and Charges section to know more.
#### Welcome Benefit
Welcome Benefit
Get 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.
For more details on RBI prescribed card activation, [Click Here](/personal/pay/cards/credit-cards/credit-card-activation-guidelines "/personal/pay/cards/credit-cards/credit-card-activation-guidelines") 
#### Renewal Offer
Renewal Offer
Exclusions for Spends of Rs. 2,00,000 and above for eligibility of renewal year fee waiver are as follows: 
* Cash on Call
* Balance Transfer
* Cash Withdrawal
#### Contactless Payment
Contactless Payment
Your Swiggy HDFC Bank Credit Card is enabled for contactless payments, facilitating fast, convenient, and secure payments at retail outlets.
Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 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 ₹5000, the Card holder has to enter the Credit Card PIN for security reasons
#### Smart EMI Facility
Smart EMI Facility
Convert large purchases on your Swiggy HDFC Bank Credit Card into [Smart EMI](/personal/borrow/loan-against-assets/smartemi "/personal/borrow/loan-against-assets/smartemi") and enjoy stress-free repayments.
Balance Transfer on EMI - \*1% of Loan Amount, Minimum Rs250 (exclusive of GST)
#### Swiggy Money Redemption & Validity
Swiggy Money Redemption & Validity
Swiggy Money Redemption:
Cashback earned on Swiggy HDFC Bank Credit Card is redeemable as Swiggy Money only on Swiggy application on following Swiggy platforms -
* Food ordering
* Instamart
* Dineout
* Genie
You can utilize Swiggy Money selecting Swiggy Money under the profile section payment method within the Swiggy application
Swiggy Money Cashback with the closest expiry date will be used up first so that you can get the maximum benefit.
Cashback is not applicable on transactions less than Rs. 100
**Swiggy Money****Validity:**
Swiggy Money will expire post 1 year of earning the cashback.  
For more details on Redemption and Validity on Swiggy Money,  please refer to Terms and Conditions [Click here](/Personal/Pay/Cards/Credit Card/Credit Card Landing Page/Credit Cards/Swiggy HDFC Bank Credit Card/tncs-swiggy.pdf "/Personal/Pay/Cards/Credit Card/Credit Card Landing Page/Credit Cards/Swiggy HDFC Bank Credit Card/tncs-swiggy.pdf")
[FAQs](/Personal/Pay/Cards/Credit Card/Credit Card Landing Page/Credit Cards/Swiggy HDFC Bank Credit Card/FAQs-Swiggy-HDFC-Bank-Credit-Card.pdf)

## Eligibility
**Swiggy HDFC Bank Credit Card**
Eligibility:
**For Salaried Indian national**
Age: Min 21 years & Max 60 Years
Net Monthly Income > ₹25,000
**For Self Employed Indian national**
Age: Min 21 years & Max 65 Years
ITR > Rs 6 Lakhs per annum

## 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 Rs. 2,00,000 and above for eligibility of renewal year fee waiver are as follows: 
* Cash on Call
* Balance Transfer
* Cash Withdrawal
[Click here](/Personal/Pay/Cards/Credit%20Card/Credit%20Card%20Landing%20Page/Manage%20Your%20Credit%20Cards%20PDFs/MITC%201.64.pdf "/Personal/Pay/Cards/Credit%20Card/Credit%20Card%20Landing%20Page/Manage%20Your%20Credit%20Cards%20PDFs/MITC%201.64.pdf") to view details of Fees and Charges
[Click here](/Personal/Pay/Cards/Credit Card/Credit Card Landing Page/Credit Cards/Swiggy HDFC Bank Credit Card/Card-Member-Agreement-310723.pdf "/Personal/Pay/Cards/Credit Card/Credit Card Landing Page/Credit Cards/Swiggy HDFC Bank Credit Card/Card-Member-Agreement-310723.pdf") for Card Member Agreement
