Credit Cards give you the freedom to make payments of many varied expenses. They are accepted as cash substitutes for all different purchases like purchasing gadgets, hotel bookings, flight bookings, bill payments, and online and retail shopping. It lets you avail offers, discounts, and reward points on offline and online credit card purchases.
HDFC Credit Cards have tie-ups with top brands like Amazon, BookMyShow, Swiggy, and Tata Cliq. Some of the HDFC Credit Cards are Diners Club Black Metal Edition Credit Card, Regalia Gold Credit Card, HDFC Regalia Credit Card, HDFC MoneyBack+ Credit Card, and many more.
Features and Benefits
Mentioned below are the features and benefits of the Swiggy HDFC Credit Card:
- 10% cashback on the Swiggy app (Food Orders, Instamart, Dineout & and Genie).
- 5% cashback on online spending across MCC.
- 1% on other categories.
- Get a complimentary membership of Swiggy One for 3 months on card activation as per the latest RBI guidelines.
- In the event of loss of Swiggy HDFC Credit Card, on reporting it to the 24-hour call center on an immediate basis, there is zero liability on any fraudulent transactions made on your credit card.
- Enjoy up to 50 days of interest-free period on Swiggy HDFC Credit Card from the date of purchase.
- Enjoy nominal interest rates on Swiggy Credit Card.
- It is enabled for contactless payments, facilitating quick, convenient, and secure payments at retail outlets up to a maximum of INR 5000 for a single transaction without PIN.
- Get your large purchases converted into Swiggy HDFC Credit Card into Smart EMI.
- Cashback earned on the Swiggy HDFC Bank Credit Card is redeemable as Swiggy Money only on the Swiggy application on the following Swiggy platforms –
- Food ordering
- Instamart
- Dineout
- Genie
This amount can be utilized under the Profile Section payment method within the app. The cashback is utilized on a FIFO basis. Swiggy Money will expire post 1 year of earning the cashback.
Welcome Benefits
- Get a complimentary Swiggy One membership for 3 months on the activation of the card
How to Link the Credit Card to the Swiggy App?
Mentioned below are the steps to link the credit card to the Swiggy App:
- Open the Swiggy App and click on the tab “Accounts”.
- Apply for a Lifetime free credit card. Open the credit cards page.
- Choose the Swiggy HDFC Bank Credit Card.
- An option will appear ‘Already Got the Card?’ Next, click on “Link your Card to Swiggy.”
- Enter the registered mobile number with your card.
- Enter the OTP received for authentication purposes.
- The credit card will be successfully linked now.
How to Activate the Credit Card?
Mentioned below are the different ways to activate the Swiggy HDFC Credit Card:
- Making a transaction using a credit card.
- To use the card via OTP or IVR, setting a PIN for the card, and enabling card controls such as online transactions, enabling international transactions, etc.
Note:
- Cashback will be redeemable only on Swiggy Application as Swiggy Money.
- Cashback cannot be earned on transactions made using Swiggy Money Wallet, Swiggy Minis & Swiggy Liquor, and any other categories decided later (if any)
- Cashback can be redeemed only post downloading the Swiggy App and linking the card with the Swiggy app
Fees and Charges
Mentioned below are the fees to apply for Swiggy HDFC Bank Credit Card:
| Type of Fees | Amount |
| Joining Fee | INR 500 |
| Annual Fee | INR 500 (Waived off on spending INR 2 lakh in a year) |
| Finance Charges | 3.6% p.m. | 43.2% p.a. |
| Late Payment Charges | For Statement Balance:
|
Exclusions for Spending of INR 2,00,000 and above for eligibility of renewal year fee waiver are as follows:
- Cash on Call
- Balance Transfer
- Cash Withdrawal
How to Make HDFC Credit Card Bill Payment
Mentioned below are the different ways to make HDFC Credit Card Payment:
Via Mobile Banking App:
Step 1: Log in to the HDFC Mobile Banking App.
Step 2: Enter your Customer ID and password or login via Quick Access PIN.
Step 3: Under the “Pay” section, click “Cards”.
Step 4: Choose the card from which the payment is to be made.
Step 5: Click on “Pay”.
Step 6: Choose the amount to be paid i.e. Minimum Due/ Total Due/ Any Other Amount.
Step 7: Click on “Confirm”.
Via Net Banking:
Step 1: Log in to Net banking using your ID and password.
Step 2: Go to “Credit Cards” and click on “Transact”.
Step 3: Choose your registered card.
Step 4: Select a payment option.
Step 5: Click on “Confirm”.
- Via ATM:
Step 1: Insert your debit card into the ATM from which the bill is to be paid.
Step 2: Press “Main Menu” on the right side of the screen.
Step 3: Press “More Options” on the bottom right side of the screen.
Step 4: Press “Make Credit Card Bill Payment” on the top left side.
Step 5: Select the bank account to be used i.e. “Savings” or “Current”.
Step 6: Enter the amount to be paid and press on “Confirm”.
Step 7: Enter the 16-digit credit card number and then press “Confirm”.
Step 8: Enter your 4-digit ATM PIN.
Through Cash:
Visit any nearest branch of HDFC Bank and make HDFC credit card bill payment by cash. Or deposit the same at an HDFC ATM.
Through Cheque:
Step 1: Write a cheque in favor of HDFC Bank A/c followed by your 16-digit credit card numbers.
Step 2: Drop the cheque at an HDFC Bank ATM or branch.
Via AutoPay:
Step 1: Fill AutoPay registration form at your branch.
Step 2: Set a maximum amount for auto debit.
Non-HDFC Bank Account
Step 1: Open https.//pgi.billdesk.com/pgidsk/pgmerc/hdfccard/HDFC_card.jsp
Step 2: Enter the HDFC Bank Credit Card number and amount.
Step 3: Choose Net Banker and Click on “Pay”.
Step 4: Enter your User ID and password.
Step 5: Confirm the amount to be paid.
Step 6: You will receive an online transaction confirmation and a Transaction Reference Number.
Step 7: An acknowledgment will then be received via email of the transaction.
