Frequently Asked Questions (FAQs)
Find answers to commonly asked questions about Swiggy HDFC Credit Card
How can one apply for a Swiggy HDFC Credit Card?
One can apply for a Swiggy HDFC Credit card through the Swiggy app or the HDFC website. You can check the eligibility and complete the card application process through this link on the HDFC Bank website.
Are all Swiggy spends eligible for 10% cashback?
Spends on Swiggy App in the following categories – Food Delivery, Instamart, Genie, and Dineout – are eligible for 10% cashback. Transactions related to Swiggy Money Wallet, Swiggy Liquor, and Swiggy Minis, do not qualify for any cashback.
What transactions are excluded from cashback on Swiggy HDFC Bank Credit card?
The cashback scheme is not applicable on the following transactions made through 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 charges and penalties
> Insurance payments
Which Merchant Category Codes (MCCs) are eligible for 5% cashback?
Online purchases in specific categories and related select MCCs are eligible for 5% cashback. Complete details on these MCCs are available here.
How do I know which brands/online stores are mapped to MCC codes eligible for 5% cashback?
While the HDFC Bank has revealed the MCC codes, which are eligible for a 5% cash back on the spending on the Swiggy HDFC credit card, the bank has not been very open on the names of 1,000+ brands, which have been mapped to shared MCC codes. HDFC Bank has only revealed the names of less than 10 brands in its documentation and advertisements. This lack of transparency prompted us to build this website to identify and share the remaining brands with the Swiggy HDFC Bank cardholder community. You can access the current list of discovered brands here. Please note that this is a growing list, which has been developed based on our research and data shared by other cardholders. So do keep checking it for new additions.
How can you claim your free 3-month ‘Swiggy One’ Membership?
Cardholders can claim ‘Swiggy One’ on the Swiggy app after the card activation is completed. The option to unlock the benefit will appear on the Swiggy app within 2-3 days of card activation.
How do I earn cashback on transactions on my Swiggy HDFC Credit Card?
All transactions until June 21, 2024, on the Swiggy HDFC Credit Card used to earn cashback in the form of Swiggy Money. However, the Swiggy HDFC Credit card has now updated its cashback plan. Under the new cashback system, Swiggy HDFC credit card holders will see earned cashback directly credited and adjusted against the cardholder’s outstanding balance in their monthly credit card statement, rather than being credited as Swiggy Money on the Swiggy app.
How can I know the cashback level of each merchant or cashback earned per transaction on my Swiggy HDFC Credit Card?
Under the current cashback system, the cashback earned by Swiggy HDFC credit card holders is directly credited and adjusted against the cardholder’s outstanding balance in their monthly credit card statement. For example, for the transactions completed in June 2024, the cashback will be credited in July 2024 statement, and adjusted against the outstanding balance. Thus, the cashback amount details at various merchant levels (eligible for cashback of 1%, 5%, and 10%) can be viewed in the statement. The information will also be visible on HDFC’s ‘My Cards’ App.