Thoughts on Swiggy HDFC Credit card?
I'm an avid Swiggy user so was thinking of getting it. 10% CB up to 1500 sounds too good. Wanted to know the general consensus on it and if there are better alternatives I can look at?
Swiggy Money and 1500 cap were a huge deterrent for me. I'm happy with Amazon ICICI.
LayMan
Stealth
a year ago
If you're spending over 15k monthly on swiggy, or 30k monthly on amazon/flipkart, there are other bigger problems
OnlyDebits
Stealth
a year ago
😂😂😂😂
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OnlyDebits
Stealth
a year ago
I have it but I see zero value probably because I only buy one off things from Amazon. I'm not an online shopper at all
Ah okay. Personally, I make most purchases via Amazon for myself and family. So the 5% cash back adds up very quickly.
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Nirvana1991
Stealth
a year ago
I’d rather go with SBI Cashback card
OnlyDebits
Stealth
a year ago
Why so?
Nirvana1991
Stealth
a year ago
5% cashback on pretty much all online spends. And real money cashback not swiggy money. Monthly capping is 5k.
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Cashback is credited as Swiggy Money, not direct credit to the statement.
OnlyDebits
Stealth
a year ago
Yeah I am aware and that's okay for me
everything
Stealth
a year ago
If you already have swiggy one and monthly spends are more than 2k on swiggy then its no brainer to get it
Indusplateau
Stealth
a year ago
Another failed story in next 1 years. SWIGGYfailed with their cards. ZOMATO closed their cards business as it was impacting profitability
After Byjus the next unicorn which may close down is Swiggy so it’s complete waste..
Toph56
Stealth
a year ago
Simple cashback cards:
1. Amazon ICICI credit card - 5% cash back on Amazon spends, credited into Amazon wallet, almost cash and can be used easily on Amazon - best if you are an Amazon loyalist. Best feature: no cap on cashbacks
2. SBI Cash Back card - 5% on all online spends and across platforms. Cashback gets adjusted against the next month bill - so no hassle at all, your bill is lower by x next month. Catch: credit limits are not very high and cash back in capped at Rs. 5k per month, so is useful for up to Rs. 1L per month
3. Swiggy HDFC card - 10% cashback on Swiggy capped at Rs. 1500 per month. 5% on other online spends on select categories capped at Rs. 1500 per month. Catch: CB goes as Swiggy money so can be used only on Swiggy, Rs. 1500 cap is too low.
My preference: Have all three cards and use Swiggy only on Swiggy and use Amazon on Amazon and SBI CB card on all other online spends. Although I'm wondering if I should kill the Amazon card and use the SBI CB card for all online spends.
Smartfella
Stealth
a year ago
Simple fact you don't have to chose only one card.
Amazon pay ICICI - 5% LTF
Flipkart Axis -5% 590 per year
Axis ACE - 5% on utility through Gpay 590 per year - ecity bill of 3k means 150₹ off, 2% on all spends
Axis Airtel - 25% on Airtel recharges, 10% on swiggy -590 per year
Smartfella
Stealth
a year ago
Amazon pay ICICI
ChotaChetan
Stealth
a year ago
Axis Airtel , cashback capping is 500 pm (statement credit not Swiggy money)spread accross Swiggy , Zomato and BigBasket .
Also gives 25% on Airtel and 10 % bill payment ( capped at 300 each)
AliveYouth71
Stealth
a year ago
👎🏽
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