HDFC Bank Swiggy Credit Card: HDFC Bank has joined hands with Swiggy, the country's popular food and grocery delivery platform. Launched new co-branded credit card — Swiggy HDFC Bank Credit Card.

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Cashback credit cards are growing in popularity. A new cashback credit card has entered that list. In fact, HDFC Bank has joined hands with Swagi, the country's popular food and grocery delivery platform. Launched new co-branded credit card — Swiggy HDFC Bank Credit Card. Photo Courtesy: Swiggy

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It is offering 10 percent cashback on various transactions on the Swagi app. Also, this offer will be available for shopping and ordering food through Swiggy Instamart, Dineout and Swiggy Genie. As a result, cardholders can earn 10 percent cashback every time they order a meal, buy groceries or pay a bill at a restaurant using the DineOut app through the Sugi app. Not only this, online platforms like Amazon, Myntra, Nike, Ola, Uber, FarmEasy, Netmeds and Bookmyshow will offer 5 percent cashback. 

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Apart from this, 1 percent cashback is available on other online purchases. There are already two very popular platform-specific co-branded credit cards in the market — Flipkart Axis Bank Credit Card and Amazon Pay ICICI Credit Card.

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But Swiggy HDFC Bank Credit Card is interesting. Because this credit card offers 10 percent cashback on food orders, grocery delivery and restaurant bills. That's too much. Because the two credit cards in the market do not offer that much cashback. In fact, those two cards offer a maximum cashback of 5 percent on purchases from partner e-commerce platforms. Again, Swiggy will offer 5 percent cashback on purchases across categories of popular brands on HDFC Bank credit cards. Which is much higher than the cashback offered on Flipkart Axis Bank Credit Card and Amazon Pay ICICI Credit Card.

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Only Cashback SBI Credit Card offers 5 percent cashback on online purchases. However, there are no trade restrictions for this. But how useful will it be to take the Swiggy HDFC Credit Card? Keeping all aspects in mind, expert advice, those who spend a lot on swiggy every month will surely find this credit card handy. Again, this 10 percent cashback will save a lot for those who are ordering food or grocery items through the app or paying the bill through dine-out while eating out.

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The limit for every 10 percent and 5 percent cashback per month is Rs.1500. Again the limit in 1 percent cashback category is 500 taka. Last but not least, cardholders can get membership to Swiggy One as a welcome benefit. The price of which will be 1199 rupees in three months. Under this Swagi One program, cardholders will get free food delivery on orders over Tk 149 at selected restaurants. Apart from this, Swagi Instamart or free grocery delivery on orders above 199 rupees will also be available. Customers will get a flat 10 percent off on Swaggy Genie delivery with member-only discounts on food delivery and dine-out. So for those who depend on Sugi for daily essentials, this card is very beneficial.