The SHMCC team has exciting news for Swiggy HDFC credit card users: spends on Flipkart, one of India’s largest e-commerce platforms, qualify for 5% cashback. Cardholders can earn monthly up to ₹ 1,500 cashback on Flipkart when shopping for electronics, fashion, home essentials, and more. However, Flipkart Grocery transactions are excluded from the 5% cashback and will earn only 1% cashback instead.
This makes the Swiggy HDFC card even more rewarding for Flipkart users, offering 5% savings across a variety of non-grocery categories, and 1% saving on groceries. While the news of Flipkart’s inclusion was publicised by Swiggy HDFC card, users still had questions on cashback on Flipkart Grocery spending. Based on the data shared by one of the SHMCC users, it has been confirmed that spending on Flipkart Grocery only receives 1% cashback.
The revelation is in line with grocery spending that was tested with various other merchants, such as DMart, BigBasket, etc., and all of them got 1% cashback from the Swiggy HDFC card.
Swiggy Instamart is the only platform that received 10% cashback on the Swiggy HDFC card. This makes it one of the best choices for buying online groceries as you can get cashback on even regular staples, such as milk, butter, and bread.
Terms and Conditions for Cashback on Flipkart: Plan Your Cashback Strategically
The Swiggy HDFC credit card offers 5% cashback on spends across 1,000+ brands from select Merchant Category Codes (MCCs), including Flipkart. However, the total cashback under the 5% benefit is capped at INR 1,500 per month across all eligible brands. The list of brands along with their cashback levels can be accessed here.
In addition, Flipkart Grocery transactions do not qualify for the 5% cashback benefit. Instead, they earn a flat 1% cashback like other grocery-related purchases.
To maximize your savings, strategic planning is essential. Focus your high-value purchases on eligible non-grocery categories on Flipkart and other qualifying brands, while keeping grocery spending separate to avoid missing out on the higher cashback rate.
Flipkart: A Key Player in India’s E-commerce Revolution
Flipkart, established in 2007, has become a cornerstone of India’s e-commerce industry, offering an extensive range of products across categories like electronics, fashion, home goods, and more. Known for its competitive pricing, innovative features like “Flipkart Plus,” and frequent mega-sales like the Big Billion Days, Flipkart has reshaped how millions of Indians shop.
As India’s e-commerce market continues to grow, with a projected valuation of over $150 billion by 2026, Flipkart remains a dominant force, catering to urban and rural customers alike. Its role in expanding digital access and affordability has made it a household name in the country.
