In a time when digital ease reigns supreme and dining is being more and more tailored to your tastes, the Swiggy HDFC Bank Credit Card is a clever, lifestyle-oriented financial tool. A co-branded credit card introduced by Swiggy with collaboration of HDFC Bank, this card not only combines food ordering, grocery store convenience, and online shopping rewards but also adds a sweet twist on your birthday week—a special feature that makes it stand out in the saturated credit card space.
What makes the Swiggy HDFC Credit Card Unique
- 10% Cashback on purchases made through the Swiggy App—food orders, Swiggy Instamart, Swiggy Genie, and Dineout. This is limited to ₹1,500 per billing cycle.
- 5% Cashback on online shopping in certain categories like electronics, fashion, department stores, personal care, entertainment, local cabs, pharmacies, and select discount stores (like Amazon, Flipkart, Meesho, and Ajio). This too is limited to ₹1,500 per billing cycle.
- 1% Cashback on all other transactions with a ₹500 monthly limit, excluding payments on fuel, rent, EMIs, jewellery, government-related transactions, and wallets.
- In addition, new card members get to enjoy a 3-month free Swiggy One membership (providing free delivery and additional discounts), with the limited-period offer of 9 additional months—essentially a complete 12-month free membership if availed via the Swiggy app.
The Birthday Week Bonus – A Standout Feature
One of the most awaited and one-of-a-kind features of this credit card is its “Birthday Week Offer“, designed to make your own birthday all the more rewarding:
- You receive an extra 10% discount (up to ₹500) on Swiggy Dineout orders during your birthday duration.
- This special discount is over and above the regular 10% cashback, hence providing a total saving of 20% on dine-in reservations at partner restaurants.
- The offer stands for 21 days—two weeks prior to your birthday and two weeks thereafter—depending upon the birth date registered with HDFC Bank.
To Avail, simply:
- Tap “Claim Now” on the Swiggy app in your birthday notification.
- Select a restaurant on Swiggy Dineout and reserve your spot.
- Use the coupon code SWIGGYCARDBDAY at checkout.
- Pay through your Swiggy HDFC Credit Card.
Note: This offer becomes applicable only after 30 days of card activation, so plan your application accordingly if your birthday is around the corner.
Other Perks & Features
- Cashback Auto-Redemption: Cashback earned is automatically adjusted against your next billing cycle’s outstanding balance. No manual redemption needed.
- Renewal Fee Waiver : The renewal fee is waived off if you spend ₹2 lakh or more within that year.
- Contactless Convenience : The card accommodates tap-to-pay options for speedy, secure payments.
- Security and Customer Care : Being an HDFC Bank product , it has industry-standard fraud protection with a customer care available all the time.
Also read: Amazon Prime Now at ₹999 – Exclusive for HDFC Credit Cardholders; Are You Eligible?
Some Exclusions to Keep in Mind
- Fuel buys
- Rent payments
- EMI transactions
- Wallet reloads
- Jewellery
- Government spends
- Cash advances or foreign currency transactions
- Cashback is only given on payments of ₹100 and more.
Is This Card for You?
- You use Swiggy frequently (for food orders, groceries, or Dineout).
- You make online purchases frequently across varied categories.
- You desire easy cashback rewards without going through complicated reward point conversions.
- You enjoy the thought of a special birthday bonus that impels you to mark the occasion in style.
- Conversely, if your spending involves high fuel expenditures, wallet refills, or rent checks, this card will not optimize your rewards for those categories.
Final Thoughts
The HDFC Bank Swiggy Credit Card is not merely co-branded—it’s a lifestyle card designed for the new-generation Indian consumer, who craves convenience, digital services, and rewarding experiences. Its signature Birthday Week Offer brings to life a wonderful personal experience, making celebrations more enjoyable and affordable. If you’re someone who loves dining out, ordering in, or just treating yourself during your birthday week, this card delivers value right where it matters—on your plate and in your wallet.
Written by Adithya Menon
The post Swiggy HDFC Bank Credit Card Users Get 10% Extra Off on Birthdays – Do You Have One? appeared first on Trade Brains.