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Frequently Asked Questions – Swiggy HDFC Bank Credit Card

Q.1 What is Swiggy HDFC Bank Credit Card?

Swiggy HDFC Bank Credit is best in class product which offers accelerated benefits on Swiggy App and online shopping.

Additionally, get a cashback on usage of the card on all other offline spends as well. On activation of the card, get a

Swiggy one membership as welcome benefit for 3 months.

The card is designed specifically for users who have affinity towards shopping online on food ordering, apparels,

electronics, home décor, entertainment and many other categories. HDFC Bank is offering this card in partnership with

Swiggy.

Q.2 What is the customer value that Swiggy HDFC Bank Credit Card provides?

The customers can save upto Rs.42,000* annually and even more*with Swiggy HDFC Bank Credit Card.

Please refer to the customer value chart below:

Swiggy HDFC Bank Credit Card Value Chart

Benefits

Offers

Monthly Spends

Annual Savings

Cashback

& Key

Milestones

10% Cashback on Swiggy Food ordering*

15000

18000

5% Cashback on E-shopping spends*

30000

18000

1% Cashback on all other categories*

50000

6000

Additional

Benefits

Swiggy One Membership*(3 months)

1199

Avg. savings* for 3 months on usage of Swiggy One Membership

2100

95,000

45,299

*Rs.42,000 of annual savings is an estimate based on spends HDFC Bank Credit Card customers. Actual savings with Swiggy HDFC Bank Credit Card may vary for each customer

Q.3 What are the key benefits?

You are eligible to earn 10% Cashback on Swiggy App transactions (Food ordering, Instamart, Dineout & Genie) up to

Rs.1500 per billing cycle. Please note that transactions done using Swiggy Money Wallet, Swiggy Liquor, Swiggy Minis

won’t earn you any cashback. Also, any other exclusion category (if any) may be communicated to you from time to time.

With Swiggy HDFC Bank Credit Card, you can enjoy 5% Cashback on various online categories up to Rs. 1500 per billing

cycle. This benefit is applicable on Apparels, Electronics, Dept. Stores, Personal Care, Local Cabs, Home Décor, Pet Stores

and Supplies, Pharmacies, Discount Stores and Entertainment.

For more information on inclusion categories and MCCs please refer to Swiggy HDFC Bank Credit Card T&Cs available on

HDFC Bank website.

Published on 19-06-2024

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Over and above this, you can also enjoy 1% Cashback on other categories up to Rs. 500 per billing cycle except on Fuel,

Rent, EMI, Wallet, Jewelry and Govt. related spends.

For more details on key benefits, please refer to Swiggy HDFC Bank Credit Card T&C

For information on welcome benefit please refer to Q.4

• Cashback will not be accrued for the following transactions using Swiggy HDFC Bank Credit Card

❖ Wallet

❖ Rent

❖ Government related transactions

❖ Fuel

❖ Jewellery

❖ Insurance

❖ EMI (all type)

❖ Cash advances, Purchase of travelers’ cheques

❖ Purchase of foreign currency and fees

❖ Interest charge and penalties

❖ Any other categories as decided from Time to Time

This will be applicable on Offline spends

Q.4 What is the welcome benefit on the Swiggy HDFC Bank Credit Card?

Complimentary Swiggy One Membership for 3 Months on card activation.

Cardholder can activate the card by following one or more below mentioned ways:

➢ making a transaction using the Credit Card,

➢ To use the card via OTP or IVR, setting PIN for the card, and enabling card controls such as online transactions,

enabling international transactions etc.

The customers need to claim 'Swiggy One' on Swiggy app post card activation to unlock the benefit.

This option will be available on the Swiggy app within 2-3 days of card activation.

Please click here for more details on card activation.

Link: https://www.hdfcbank.com/personal/pay/cards/credit-cards/credit-card-activation-guidelines

Please note that definition of RBI prescribed card activation may change from time to time. Always refer to current

definition of card activation as per RBI, in order to unlock the welcome benefit.

In case the cardholder is already a Swiggy One member, the membership will be extended for next 3 months. Please refer

to Swiggy One Membership T&Cs available on Swiggy App for more details. Please click here (available on the section

under Swiggy One Membership Specific terms) for the detailed T&Cs

Link: https://www.swiggy.com/terms-and-conditions.

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Q.5 What is Swiggy One membership?

Swiggy One Membership is a premium subscription program for Swiggy users. A single membership that offers unlimited

benefits across restaurants, Instamart and Genie orders on Swiggy including free delivery and exclusive discounts from

select restaurants.

Q.6 How to enroll for the welcome benefit of Swiggy One Membership?

Swiggy One membership is complimentary for 3 months with Swiggy HDFC Bank Credit Card. If the customer has applied

from Swiggy, the option to get the Swiggy One membership will become available when you activate your card.

Please refer to Swiggy One Membership T&Cs available on Swiggy App for more details. click here

Link: https://www.swiggy.com/terms-and-conditions.

Please note that Card activation is a pre-requisite for unlocking the welcome benefit.

Please refer to Q.4

Q.7 What if the cardholder already has an active Swiggy One Membership?

The existing Swiggy One Membership will be topped up with the 3 months membership for the already existing Swiggy

One member.

For Example – A user has already got 6 months of membership with the additional 3 months now the user will have 9

months membership available

Q.8 What are the additional benefits on Swiggy HDFC Bank Credit Card?

I. Easy EMI

II. Up to 3 complimentary Add on Cards

III. Zero lost card liability and emergency card replacement

Q.9 How can a customer apply for the card?

For now, the offer for card is application is on invite only basis. Customers can also apply from Swiggy app by going to the

Account Section of Swiggy app, and clicking on Swiggy HDFC Bank Credit Card.

Q.10 I am an existing card holder of HDFC Bank Credit Card. Is it possible for me to get a Swiggy HDFC Bank Credit Card

as well?

Yes, if you are part of the invite list for the credit card then you can apply either through HDFC Bank by reaching out to

the phone banking call center or Swiggy Platform.

Please be informed that the credit limit will be distributed between the cards that you hold. For example, let’s assume

the credit limit on your existing HDFC Bank credit card is 2 lakhs. Upon issuance of Swiggy HDFC Bank Credit Card, the

limit of 2 lakhs will be shared between the 2 credit cards. Supposing, you used credit limit of 1.5 lakhs with your existing

HDFC Bank Card, then only the remaining Rs.50,000/- (2 lakh – 1.5 lakh) will be left for usage with Swiggy HDFC Bank

Credit Card.

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Please refer to Floater Card T&Cs available on HDFC Bank website for more details. Click here for T&Cs

Link: https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-

7ae1be57c87f/?path=/Personal/Pay/Cards/Credit%20Card/TC%20pdf/Floater-Card-Terms-Conditions.pdf

Q.11 What are cash advance charges for the card?

Cash advance charge is the fee charged every time a customer withdraws cash using credit card. For Swiggy HDFC Bank

Card, it is 2.5% of amount withdrawn or Rs 500 whichever is higher.

Q.12 What is the interest free period offered on Swiggy HDFC Bank Credit Card?

Interest free period of up to 50 days for all purchases is offered to the cardholder on Swiggy HDFC Bank Credit Card.

Q.13 What is the Membership fee for Swiggy HDFC Bank Credit Card?

Annual fee of INR 500 + applicable taxes is charged once to enjoy the benefits of Swiggy HDFC Bank Credit Card. Annual

fee will be levied within 120 days. Renewal year fee of Rs 500 will be charged from second year onwards.

Renewal fee from second year onwards will be waived off on spends of 2 Lakh and above using the Swiggy HDFC Bank

Credit Card.

Exclusions for Spends of Rs. 2,00,000 and above for eligibility of renewal year fee waiver are as follows:

➢ Cash on Call

➢ Balance Transfer

➢ Cash Withdrawal

Q.14 What are the other fees and charges levied on Swiggy HDFC Bank Credit Card

For all fees and charges, please refer MITC on HDFC Bank website.

Q.15 Is limit enhancement possible for my card?

Yes, Limit enhancement is possible only after 6 months post card issuance, as per bank’s standard policy.

Cashback accruals and redemptions have undergone changes as below. (w.e.f 21

June 2024)

FAQs applicable for statement generation before 21

June 2024 (Q.20 to Q.26)

Q.16 How will the cashback be credited for Swiggy HDFC Bank Credit Card?

Earned cashback will be automatically credited as Swiggy Money on Swiggy app.The same will move to Statement credit

w.e.f 21

June’24,while the existing Swiggy money will continue to be in the Swiggy App.

Q.17 How does Swiggy Money work?

Swiggy Money is delivered to the customers Swiggy account for the statement month within 8-10 days of statement

generation. It can only be redeemed on Swiggy app. On the Swiggy app while placing an order, the customer can directly

choose an option of paying via Swiggy Money to pay the bill by the corresponding Swiggy money value. Swiggy Money

keeps on accumulating for all the months till it is not utilized. The same will move to Statement credit w.e.f 21

June’24,

while the existing Swiggy money will continue to be in the Swiggy App.

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Q.18 Can I transfer the Money to other Swiggy account?

No, Swiggy Money cannot be transferred to another account.

Q.19 Can I utilize the Swiggy Money amount partially?

Scenario 1: Order Value is greater than Swiggy Money Cashback Amount

In this case, the user will have the option to utilize any amount of Swiggy Money available for an order partially and use

Swiggy HDFC Bank Credit Card simultaneously to make the remaining payment.

Illustration: Order value is Rs 540, Swiggy Money Balance is Rs 50. Rs 50 are utilized against payment of the order and the

remaining Rs 490 is paid by Swiggy HDFC Bank Credit Card

Scenario 2: Order Value is lesser than Swiggy Money Cashback Amount

In this case, partial payment option is not available with the user

Illustration: Order value is Rs 540, Swiggy Money Balance is Rs 800. The payment will be done using the Swiggy Money

value only, the customer won’t have an option to make the payment using other payment methods in this case.

Please note the same will move to Statement credit w.e.f 21

June’24, while the existing Swiggy money will continue to be

in the Swiggy App.

Q.20 Where on the Swiggy app will the customers be able to view the cashback earned?

The user should follow below mentioned steps within Swiggy Application to view the Swiggy Money Cashback earned -

Step 1 - Click on Profile icon present on top right of Swiggy App

Step 2 - Select 'Swiggy Money' to view account balance & Transaction history

Please note the same will move to Statement credit w.e.f 21

June’24, while the existing Swiggy money will continue to be

in the Swiggy App.

Q.21 When will the earned Swiggy Money Cashback expire?

Swiggy Money Cashback will expire post 1 year from the date of earning the cashback. To be checked with Swiggy team.

Q.22 How will the cashback be credited after making the transactions using Swiggy HDFC Bank Credit Card

Please take reference from the below example

Scenario 1

Statement Period: 16

Jan to 15

Feb

Transactions

Amount

Cashback

Explanation

Order on Swiggy app on 21

Jan

Rs. 500

10% cashback category

Online Shopping on Apparels on

Jan

Rs. 1500

5% cashback category

Fuel Spend on 2

Feb

Rs. 600

Excluded MCC

Refund for cancelled Swiggy order

Feb

Rs 500

(-50)

Cashback earned on 21

Jan will be

reversed

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Offline Spend at a Merchant Outlet

on 8

Feb

Rs. 1000

1% category

Online shopping on Electronics on

Feb

Rs. 5000

250

5% cashback category; however, will

be in next billing cycle (16

Feb – 15

Mar)

Total Cashback for 16

Jan – 15

Feb Billing Cycle

Will be credited to customer’s Swiggy

account by 25

Feb

Scenario 2

Statement Period: 16

Jan to 15

Feb

Transactions

Amount

Cashback

Explanation

Total spends on Swiggy app

Rs. 25000

1500

Cashback Capping for 10% category

is 1500

Online spends on Electronics

Rs. 85000

1500

Cashback Capping for 5% category is

1500

Total offline spends

Rs. 80000

500

Cashback Capping for 1% category is

500

Total Cashback

3500

Will be credited to customer’s

Swiggy account by 25

Feb

Please note The same will move to Statement credit w.e.f 21

June’24, while the existing Swiggy money will continue to be

in the Swiggy App.

FAQs applicable for statement generation from 21

June 2024

Q.23 How will the cashback be credited for Swiggy HDFC Bank Credit Card?

Cashback earned for current billing cycle will be auto redeemed against outstanding amount due for the subsequent cycle.

(w.e.f 21

June 2024)

For example, cardholder’s statement generation date is 21

. The cashback accrued for cardholder transactions from 21st

of September till 20th of October will be computed on 21st of October and the same will be adjusted against outstanding

balance for 21

November statement.

Q.24 Will I have an option to accumulate the cashback earned and redeem anytime I wish?

The cashback earned for current billing cycle will be auto redeemed against the outstanding balance for subsequent cycle.

Q.25 What is the minimum value of cashback to be earned for auto redemption?

There is no minimum value of cashback for auto redemption.

Q.26 Will I be able to utilize the remaining Swiggy Money cashback on Swiggy app earned previously (before 21

June’24)?

Yes, you will be able to redeem the remainder Swiggy Money cashback in the same manner as done previously.

(Please refer Q.20 to Q.26)

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Q.27 Will cashback be adjusted against finance charges as well?

No. Cashback won’t get adjusted against the finance charge and fees. Please refer to MITC for more details on finance

charges.

Q.28 How will the cashback be credited get if I earn decimal value cashback using Swiggy HDFC Bank Credit Card?

The decimal value cashback earned using the Swiggy HDFC Bank Credit Card will be rounded off nearest integer value.

Minimum value of the Cashback to be earned for redemption will be Rs 100.

For e.g., If for a transaction of Rs. 153, the customer is eligible for a cashback of 10% i.e., 153 * 10% = Rs. 15.3. Only Rs. 15

will be credited to the customer for that individual transaction. For a transaction of Rs. 156, Rs. 16 will be credited.

Q.29 Is the cashback applicable to wallet loads and fuel spends?

No. The cashback is not applicable on wallet loads and fuel spends

Q.30 What is video KYC?

Users can do the KYC verification now remotely on a video call, this will be done via specialized banking staff. User already

having account with HDFC Bank are not required perform V-KYC unless they opt for address change while applying for the

card. HDFC Bank customers simply have to login through net banking or through their debit card details.

Q.31 Can the customer record and upload videos as part of video KYC?

No. Real time video call should happen in the process of video KYC verification.

Q.32 How does a cardholder generate PIN for Swiggy HDFC Bank Credit Card

A cardholder needs to generate the PIN to activate Swiggy HDFC Bank Credit Card.

Following ways can be used for activation

▪ By using IVR - Call 1860 266 0333

▪ By using Net Banking

▪ By using Mobile Banking App

▪ By using ATM

Please refer to the below link for more information to generate PIN:

https://www.hdfcbank.com/personal/pay/cards/credit-cards/forgot-card-pin

Q.33 Can a cardholder avail flexible payment options on Swiggy HDFC Bank Credit Card?

Yes. The flexible payment options of No cost EMI and Low-cost EMI can be availed by a cardholder on the credit card.

Q.34 Where can the cardholder use Swiggy HDFC Bank Credit Card?

Swiggy HDFC Bank Credit Card can be used to earn cashback in both online as well as offline transactions. Once the

cardholder generates a PIN, a customer can use the card to make payments at any merchant establishment that accepts

Mastercard payments. Plus, the card can be used for international transactions as well.

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Q.35 What documents does a cardholder need to submit for Swiggy HDFC Bank Credit Card for physical application?

A cardholder is required to show the following documents for Swiggy HDFC Bank Credit Card

▪ ID proof copy

▪ Address proof copy

▪ Passport size photograph

Please note that in case of any discrepancy, a cardholder might be asked for additional document.

Certified copy of any Officially Valid Documents (OVD) may be accepted for opening new accounts (as Proof of Identity /

Proof of Mailing Address),

▪ Proof of possession1 of Aadhaar / printout of e-Aadhaar (not older than 30 days) / e-KYC (Biometric / OTP based)

▪ Passport [not expired]

▪ Permanent Driving license [not expired]

▪ Election /Voter’s card issued by Election Commission of India

▪ Job card issued by NREGA duly signed by an officer of the State Government

▪ Letter issued by the National Population Register containing details of name & address

Q.36 Cardholder did a transaction in some Merchants and didn’t get Cashback as per the feature mentioned?

Swiggy Transactions will be identified basis TID/MID/Merchant Name, which will be shared by Swiggy to the Bank.

If in case the MID, TID is not available in the set-up, such transactions will not qualify for the 10 % Cashback benefit.

5% Cashback categories will be identified basis the MCCs or Merchant Category Codes, detailed below (Table 1.2). Any

transaction not following under these pre-specified categories are not eligible for cashback. Link for MCC to be added

Q.37 What are the eligible transaction for 5% cashback categories?

Categories eligible for 5% Cashback on online spends using Swiggy HDFC Bank Credit Card are Apparels, Electronics, Dept.

Stores, Personal Care, Local Cabs, Home Décor, Pet Stores and Supplies, Pharmacies, Discount Stores and Entertainment.

The above are mapped to the below MCCs listed in Table 1.2* which are eligible for Cashback:

CATEGORY

MCC

Apparels

5137,5139,5611,5621,5631,5641,5651,5655,5661,5691,5697,5699,5948

Department Store

5200,5300,5311,5331,5949,5973

Electronics

1731,5045,5046,5065,5099,5722,5732,5734,5946,7372,7622,7623,7629,7631

Entertainment

4411,4899,5193,5992,7032,7033,7333,7832,7911,7922,7929,7933,7991,7996,7997

Home Decor

5198,5211,5231,5251,5712,5713,5714,5718,5719,5950,7641

Pharmacies

5122,5912,5975,8042,8043

Personal Care

5977,7230,7297,7298

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Local Cabs

4121,4111,5511,5521,7512 (Ola, Uber, Zoom, ANI Technologies)

Pet Stores & Supplies

5192,5733,5735,5941,5942,5945,5995,7829,7941

Discount Stores

5399

*Please note that only selected merchants mapped under the above list of MCCs are eligible for 5% Cashback Category

Q.38 How do I activate my Credit Card for online, contactless and/or international transactions?

1. HDFC Bank MyCards:

1.1. Log in to https://mycards.hdfcbank.com using your registered mobile number

1.2. Enter the OTP configured to your registered mobile number

1.3. Click on “Card Control” service under Credit Cards.

1.4. You can set and customize your credit card usage/limits

1.5. Enter OTP configured to your registered mobile number to successfully make these changes.

2. HDFC Bank Mobile Banking

2.1. On your HDFC Mobile Banking app, go to Menu >> Pay >> Cards >> Credit Card Number >> Show more >>

Limits & Restrictions

2.2. You can set and customize your credit card usage/limits

2.3. Enter OTP configured to your registered mobile number to successfully make these changes.

3. HDFC Bank Net Banking

3.1. On your HDFC Net Banking, go to Cards >> Request >> Card Usage/Limits

3.2. You can set and customize your credit card usage/limits

3.3. Enter OTP configured to your registered mobile number to successfully make these changes.

4. Applying through Swiggy App

1. Go to Cr1edit Card page in the Swiggy app by going to Accounts section and clicking on "Swiggy HDFC Bank

Credit Card"

2. Click on "Activate Your Card", that will take you to a HDFC Bank web page in the Swiggy app.

3. You can Enable Domestic Online spends, set limits. Click on Save Changes.

4. Enter the OTP and click on Submit.

5. The card gets activated.

5. Applying through HDFC Bank Application / Website

Steps to activate the card:

1. Go to Credit Card page in the Swiggy app by going to Accounts section and clicking on "Swiggy HDFC Bank

Credit Card"

2. Click on "Activate Your Card", that will take you to a HDFC Bank web page in the Swiggy app.

3. You can Enable Domestic Online spends, set limits. Click on Save Changes.

4. Enter the OTP and click on Submit.

5. The card is activated.

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Q.39 How do I get Credit card statement?

Once the credit card statement is generated, it will be sent to your registered email address. You can also view

and download the credit card statement by logging into HDFC Bank NetBanking or HDFC Bank MyCard App or

HDFC Bank Mobile App online, or Swiggy App

Swiggy App - Select 'Swiggy HDFC Bank Credit Card' on Swiggy App under account section of Swiggy app. Go to

Manage Card, and choose the options accordingly.

MyCards - Login to mycards.hdfcbank.com using your registered mobile number and last 4 digit of Credit Card.

Click on e-statement to generate e-statement and select month. Your billed statement for that month will be sent to

your registered email-ID shortly.

Netbanking - Log in to HDFC Bank Netbanking. Go to the Credit card under Cards Tab. Select the Enquire transactions

and click on View statement. Select the card no. and the month-year of the billed statement. Click on View or

‘Download’ to access it.

Mobile-banking - Log in to HDFC Bank Mobile Banking. Go to the Credit cards under Pay section from left-hand menu.

Select the Credit card and scroll down to 'Download Billed Statement'. Select the billing month-year and click on

‘Download’ to access it.

Phone-banking - Please call one of the phone-banking nos. and your e-statement will be mailed to your registered

email ID after verifying the mobile no. and last 4-digits of your credit card

Q.40.My Swiggy HDFC Bank Credit Card is lost/stolen. What should I do?

In case your card is lost or stolen, please block your card immediately to avoid it from being misused. To block your

card either:

Call HDFC Bank Phone Banking Number (1800 202 6161 / 1860 267 6161 / 1800-25-8282-638) or

Log onto HDFC Bank Net Banking and block your card using the 'Hot listing' option

Select 'Swiggy HDFC Bank Credit Card' on Swiggy App under account section of Swiggy app. Go to Manage Card,

and choose the options accordingly.

Q.41 How do I report a transaction dispute incurred using my credit card and what is the time frame? You can

raise the dispute transaction complaint as following:

You can report a transaction dispute by visiting: https://apply.hdfcbank.com/digital/onlinedispute#odrlogin

To report a dispute transaction on your Swiggy HDFC Bank Credit Card please contact HDFC bank Phone Banking

from your registered mobile/email.

Please note that transaction complaints can be raised only within 30 days from the statement date.