The Swiggy HDFC Bank Credit Card has been a go-to choice for urban consumers who frequently order food, groceries and dine out. Now, with its latest upgrade, the card has extended its benefits beyond food to travel, offering a 6% instant discount on Paytm Travel bookings, including domestic and international flights, as well as bus tickets.
As we head into the festive travel season, this new perk comes at the perfect time, making the card more versatile and valuable for day-to-day spending and holiday planning.
In this blog, we’ll cover everything you need to know about the Swiggy HDFC Credit Card: from cashback benefits and eligibility to fees, travel perks and answers to frequently asked questions.
New 6% Discount on Paytm Travel
HDFC Bank and Swiggy have added a 6% instant discount for flight and bus bookings made via Paytm Travel. This benefit applies to both domestic and international routes, making it ideal for personal or festive travel.
Key Points:
- Valid for all existing and new cardholders
- No coupon code needed; discount applies automatically
- Book through Paytm Travel
- Offer applicable to bus and flight bookings only
- Integrated with the card’s regular cashback and rewards features
This new perk allows customers to save more on travel, while continuing to earn cashback on food, groceries and other expenses.
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Key Features of the Swiggy HDFC Bank Credit Card
The table below shows the highlights of the Swiggy HDFC Bank Credit Card:
|
Category |
Benefit |
|
Swiggy App |
10% cashback on Swiggy Food, Instamart, Dineout, Genie |
|
Online Shopping |
5% cashback across top online platforms (excluding Swiggy) |
|
Other Retail Spends |
1% cashback on eligible transactions |
|
Paytm Travel (New) |
6% instant discount on flights and bus bookings |
|
Welcome Offer |
Free 3-month Swiggy One Membership after card activation |
|
Cashback Redemption |
From June 21, 2024, cashback will be credited to the card statement |
Welcome Benefit: Swiggy One Subscription
New users receive a 3-month complimentary Swiggy One Membership, offering:
- Unlimited free deliveries
- Exclusive discounts from top restaurants
- Offers on Swiggy, Dineout and Genie
How to Activate:
- Make a transaction using the credit card
- Or activate card controls via OTP or IVR
- Claim the membership via the Swiggy app (available 2-3 days post activation)
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Additional Card Features
Beyond its strong cashback and travel benefits, the Swiggy HDFC Bank Credit Card comes with several lifestyle and security features designed to make spending safer, more flexible and more rewarding.
|
Feature |
Details |
|
Contactless Payments |
Tap-and-pay enabled (no PIN required under ₹5,000 per transaction) |
|
Zero Lost Card Liability |
No liability for fraudulent transactions if reported immediately |
|
Smart EMI Facility |
Convert large spends into EMIs easily |
|
Interest-Free Period |
Up to 50 days of interest-free credit |
|
Mastercard Golf Perks |
Free golf lessons, green fees and special offers |
Fees and Charges
Understanding the costs associated with your credit card is essential. Here’s a breakdown of the Swiggy HDFC Bank Credit Card’s joining and annual fees, as well as conditions for fee waivers.
|
Fee Type |
Amount |
|
Joining Fee |
₹500 + GST |
|
Annual Renewal Fee |
₹500 + GST |
|
Annual Fee Waiver |
Spend ₹2,00,000 or more annually |
|
Exclusions for Waiver |
Cash on Call, Balance Transfer, Withdrawals |
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Eligibility Criteria for Swiggy Credit Card
To apply for the Swiggy HDFC Bank Credit Card, applicants must meet specific income and age criteria based on their employment type. Here’s what you need to qualify.
|
Applicant Type |
Criteria |
|
Salaried Indian Resident |
Age: 21–60 years, Monthly Income: ₹15,000+ |
|
Self-Employed Indian |
Age: 21–65 years, ITR filing of ₹6,00,000+ per annum |
Why This Upgrade Matters
With the 6% discount on Paytm Travel, the Swiggy HDFC Credit Card goes beyond food and delivery to now support your festive travel plans, weekend getaways and business trips. Combined with existing cashback and lifestyle benefits, this makes it a powerful all-in-one card.
|
Feature |
Value Proposition |
|
Cashback on Swiggy |
10% |
|
Online Spend Cashback |
5% |
|
Universal Cashback |
1% |
|
Travel Discount (New) |
6% via Paytm Travel |
|
Welcome Benefit |
Free Swiggy One Membership for 3 months |
|
Annual Savings Potential |
Up to ₹42,000/year (as estimated by HDFC and Swiggy) |
Suggested Read: CRED IndusInd RuPay Credit Card
Final Thoughts
The Swiggy HDFC Bank Credit Card just became more powerful. It was already a market leader in food and grocery rewards; now it’s stepped up to include travel savings too. With the festive season around the corner, this upgrade comes at the perfect time. From ordering your favourite meals to booking your holiday flights, this card delivers value on all fronts.
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