HDFC Swiggy Credit Card Full Review

HDFC Swiggy Credit Card Haal hi mein HDFC ne apna Swiggy ke saath milke banaya gaya credit card launch kiya hai, jise food aur instant grocery delivery ke giant ke saath pehla cobrand card banata hai. Yeh card beshak kai food enthusiasts ke liye khushi laayega. Chaliye iske benefits ka ek chhota review dekhein.

HDFC Swiggy Credit Card: Swaad Se Bhara Maza for Foodies

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Fees aur Welcome Benefits:

Joining Fees: ₹500 + GST

Welcome Benefits: 3 Months Swiggy One Membership

Annual Fees: ₹500 + GST

Annual Fee Waiver: Saal mein ₹2L kharch karne par annual fee waive.

Add-on Fees: NIL

Card Category: Cashback

Joining fees ko ek 3-month Swiggy One Membership ke saath compensate kiya ja raha hai, jo ki unki taraf se thoda sa clever move ho sakti hai. Shayad, card ka daam thoda aur badhaya jaa sakta tha aur card ko active rehne tak Swiggy One membership mil sakti thi, yeh ek aur badiya option hota.

Reward Rate:

HDFC Swiggy Credit Card Spends Area:

Food ordering, Instamart, Dineout & Genie on Swiggy: 10% cashback with a maximum discount of ₹1,500 per statement cycle.

Online Spends (Apparel, Department Store, Electronics, Entertainment, Home Decor, Medical Stores & Pharmacies, Personal Care, Local Cabs, Pet Stores & Supplies & Discount Stores): 5% cashback with a maximum discount of ₹1,500 per statement cycle.

Others: 1% cashback with a maximum discount of ₹500 per statement cycle.

Cashback Conditions:

  • Cashback nahi milega Swiggy Money Wallet, Swiggy Minis & Swiggy Liquor ke transactions par.
  • Sirf kuch selected merchants par hi 5% cashback milega.
  • ₹100 se kam ke transactions par koi cashback nahi milega.
  • Fuel, Rent, EMI, Wallet Loads, Jewellery, aur Government transactions ke liye cashback nahi milega.
  • Har transaction par cashback ko nearest integer tak round down kiya jayega.
  • Card cashback statement generate hone ke 10 din ke andar Swiggy Money account mein auto-credited ho jayega.

Dhyan dene layak hai ki HDFC Swiggy Credit Card ne 5% cashback ke liye clear taur par merchants ke naam nahi diye hain, jisse customers ko in categories par kharch karne mein kuch uncertainty ho sakti hai.

Kharch Karne Ka Tarika:

Agar aap Swiggy portal par ₹15,000 kharch karte hain toh aap har mahine ₹1,500 ki bachat kar sakte hain. Online spending ke liye cashback limit ₹30,000 per statement cycle tak hai.

Hairat hai ki is card mein koi milestone benefits, lounge access, ya fuel surcharge waiver nahi hai. Joining fees bhi yahan thik se justify nahi hui hai. Main kehna chahunga ki Swiggy HDFC card sach mein Swiggy-holics ke liye hai, kyunki bina kisi aur visible benefits ke, iska use tabhi karein agar aap Swiggy par bahut kharch karte hain.

Is card ka achha fayda yeh hai ki yeh MasterCard World platform par available hoga aur iske saath judi hui suvidhaayein bhi milegi. Iske alawa, 10% discount Swiggy Instamart par kisi bhi item par exclusion ke bina bhi ek notable feature hai. Product Zomato ke past controversies ke mukable mein sustainable dikh raha hai.

Tulna aur Nirdharan:

Tulna mein, Axis Airtel card ek adhik versatile cashback structure deta hai. HDFC Swiggy Credit Card ki application Swiggy App par agle 10 dinon mein available hogi. Hamesha ki tarah, apne vyay vyavhaar aur prathmiktaon ke anurup ek credit card chunein, taaki aap uske faydon ka poora laabh utha sakein. Happy dining!

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