The Ultimate Credit Card for Food Lovers: Swiggy HDFC Bank Credit Card Review
If you’re someone who loves food, orders online frequently, stocks up groceries via Swiggy Instamart, or enjoys the convenience of late night snack deliveries, the Swiggy HDFC Bank Credit Card is designed just for you.
This co-branded credit card combines high cashback rewards, complimentary Swiggy One membership, and exclusive food and dining perks making it one of the best credit cards in India for food enthusiasts.
Here’s a detailed breakdown of why the Swiggy HDFC Credit Card is a top choice for anyone who loves ordering food or groceries online.
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10% Cashback on Swiggy Orders
One of the biggest highlights of this card is the generous 10% cashback you get on all transactions across Swiggy’s ecosystem:
· Swiggy Food Delivery
· Swiggy Instamart
· Swiggy Genie (pick-up and delivery service)
· Dineout (via Swiggy)
That means for every ₹100 you spend, you get ₹10 back making it one of the highest cashback rates in the food and grocery category.
Pro Tip: Always pay directly using your Swiggy HDFC Credit Card during checkout to earn cashback. Payments through Swiggy Money Wallet are not eligible. -
Complimentary Swiggy One Membership for 3 Months
When you activate your card, you receive a free 3-month Swiggy One membership. This membership unlocks multiple benefits:
· Unlimited free deliveries on food and Instamart orders
· Exclusive deals from top rated restaurants
· Faster deliveries and priority customer support
This feature alone can save frequent users hundreds of rupees each month. -
5% Cashback on Other Food Apps and Online Grocery Stores
This card goes beyond just Swiggy. You also earn 5% cashback on select online merchant categories (MCCs), which may include:
· Zomato
· BigBasket and other online grocery stores
· Meal subscription services
Before transacting, always confirm if the merchant falls under the eligible MCC list to maximize cashback. -
Cashback as Real Statement Credit
From June 21, 2024, all cashback earned on the Swiggy HDFC Credit Card is credited directly as a statement credit.
That means:
· Cashback directly reduces your credit card bill
· No conversion to app specific currency like Swiggy Money
· The more you spend, the less you owe on your bill
It’s a practical and transparent way to enjoy savings. -
What to Avoid to Ensure You Get Your Cashback
To make sure you’re earning the maximum rewards, avoid the following:
· Do not pay via Swiggy Money Wallet
· Transactions on Swiggy Minis and liquor orders are excluded
· Always use the credit card directly at checkout
Following these simple rules ensures consistent cashback on your food orders. -
EMI Options for Large Food Expenses
If you’re hosting a party, organizing a celebration, or ordering catering for a special occasion, the card’s Smart EMI feature can be a lifesaver.
You can:
· Convert high value food or grocery spends into affordable EMIs
· Choose flexible repayment plans
· Manage your monthly expenses better without interest shock -
Additional Lifestyle Perks: Mastercard Golf Benefits
Beyond food and groceries, the card offers Mastercard-powered lifestyle privileges such as:
· Free golf lessons
· Access to premium golf courses
· Discounted rounds of golf
This makes it a great option for those who appreciate fine dining and a luxury lifestyle.