How to Make the Most of Your Swiggy HDFC Bank Credit Card
17 January, 2024
If you're a food lover, you're likely no stranger to Swiggy, one of India's favourite food delivery platforms. You can elevate your Swiggy experience using the Swiggy HDFC Bank Credit Card. It's more than just a card; it's a gateway to delicious meals and fantastic rewards. Here is an explanation of how to make the most out of Swiggy HDFC Bank Credit Card and some tips on using it wisely.
Unlocking Swiggy HDFC Bank Credit Card Benefits
The Swiggy HDFC Bank Credit Card is designed to cater to food enthusiasts who enjoy the convenience of online food delivery while also saving on their dining expenses along with other Credit Card benefits. Here's how you can unlock and maximise its benefits:
Enjoy Swiggy One Membership
As a Swiggy HDFC Bank Credit Cardholder, you automatically get a Swiggy One Membership as a welcome benefit for three months. This membership program provides unlimited free deliveries and exclusive discounts. Make sure to utilise these perks when ordering your favourite meals.
Keep an Eye on Special Promotions
HDFC Bank may often collaborate with Swiggy to offer special promotions and discounts to Swiggy HDFC Bank Credit Cardholders. These promotions can include cashback offers, extra rewards, or discounts on specific restaurants.
Use It for All Your Food Orders
Maximise your Swiggy HDFC Bank Credit Card's rewards by using it for all your food orders on Swiggy. Whether it's breakfast, lunch, dinner, or even snacks, make it a habit to pay with your Swiggy HDFC Bank Credit Card to earn cashbacks and rewards on every meal. You can get up to 10% cashback on Swiggy application with your Swiggy HDFC Bank Credit Card.
Get Cashback from Other Spends
Swiggy HDFC Bank Credit Card offers cashbacks on non-Swiggy spends as well. You can get up to 5% cashback on online spends across online MCCs and up to 1% cashback on other categories.
Before you can enjoy the perks of the Swiggy HDFC Bank Credit Card, you need to apply for it. So, visit the HDFC Bank website or a nearby HDFC Bank branch to begin the application process. Ensure you meet the eligibility criteria, which typically include minimum income and age requirements.
How to Use the Swiggy HDFC Bank Credit Card Wisely?
While enjoying the Swiggy HDFC Bank Credit Card benefits, it's essential to use it wisely to manage your finances responsibly. Here are some tips on how to do just that:
Set a Budget
Before you start ordering, set a monthly budget for your food expenses. Having a spending limit in mind helps you avoid overspending and ensures that you stay within your financial boundaries.
Track Your Expenses
Keep a record of your Swiggy orders and track your spending. Most Credit Card issuers provide detailed statements that break down your expenditures. Reviewing these statements regularly helps you monitor your food expenses and manage your finances effectively.
Avoid Minimum Payments
While paying the minimum amount due on your Credit Card bill is an option, it's not the most financially responsible choice. Paying only the minimum prolongs your debt and leads to additional interest charges. Pay the complete statement balance each month to avoid accumulating unnecessary debt.
Utilise Reward Points
Take advantage of the reward points you earn with your Swiggy HDFC Bank Credit Card. You can often redeem these points for various rewards, including cashback, gift vouchers, or merchandise. Check the HDFC Bank rewards catalogue to explore your redemption options.
A Gateway to Savings with Swiggy HDFC Bank Credit Card
The Swiggy HDFC Bank Credit Card is a fantastic tool for food enthusiasts who want to enjoy savings and rewards while indulging in their favourite meals. By applying for the card, linking it to your Swiggy account, and using it for your food orders, you can unlock benefits like Swiggy One Membership and exclusive promotions. So, now that you know how to make the most out of Swiggy Credit Card, relish the culinary delights while also saving money! Know more.
*The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Credit Card approvals at the sole discretion of HDFC Bank Limited. Credit Card approvals is subject to documentation and verification as per Bank's requirement. Interest rates are subject to change. Please check with your RM or closest bank branch for current interest rates.
