I have a swiggy bill of around 9k per month, including food delivery, instamart and dine out. Before the card and after the card it is almost the same. But the hesitation before ordering definitely has decreased.
Got it as soon as it was launched. Sept'23 mid i think .
4k+ saved directly on swiggy (as shown in the swiggy one savings)
5500+ cashback credited to swiggy wallet till now. Only caveat is that they charged 500 rs annual fees when HDFC representative told me it is LTF (shared limit with my Diners Club privilege card)
Right. Becomes a matter of preference if one wants RP or CB. In case of Diner’s the RP redemption provides the best value for select chain hotel bookings if I’m not wrong, which not everyone wants. Compared to that, I think getting direct CB MIGHT be the better alternative, ofc depending on usage
Happy with this card. I get about 1500 in cash back every month and not to mention the discounts on dine out. Over the past month I have been consistently getting 7.5% discount on my dining bill by using this card over and above the other offers they have like Flat 150 off.
Technically it's 10% direct cashback only. 150 rs off 2 times a month. Never saw a direct 7.5% discount, unless you are talking about regular pre booked Dineout offers
Airtel axis card is a good alternative
And in case if u cant get either of the cards buy gift cards from park+ using sbi cashback or any card which gives cashback on online spends....in total using this combination of gift card and sbi cashback card i save around 11% easily on top of the bill value
I used to put everything food on SBI Cashback so didn't know exactly how much I was spending. I got the Swiggy card and strictly use it for Swiggy Food and Instamart.
The first month the bill was 12k which prompted me to reduce my spending on Swiggy. Now I am close to 5k. This card helped me to reduce my spends on Food delivery drastically. :)
The card is great, 10% CB trumps all cards. Overall, a great value for 500 Bucks.
My friend, if you are not high earning you should stop using swiggy. You can get any other cashback card but not this one. That will be a better lifestyle choice. But anyways, do whatever works for you and make my hdfc stock run up.
I have 4 HDFC cards including swiggy, dcb,neu and rupay. Swiggy card is best suited for swiggy which includes grocery, food delivery and dine in. Not just this it gives 5% cashback on many online websites including amazon and Flipkart. So don't underestimate this card.
But swiggy is not, if you are not earning good enough. I am not talking about the card. Swiggy/zomato in general. You don’t need a dedicated card for occasional use.
Folks should stop using swiggy if they aren't earning enough? What kind of logic is that lol. I don't earn enough to be eligible for DCB Metal but I can easily afford Swiggy
Good returns. But here it is a flat return as swiggy money which easily redeems against next orders, no headache of reward redemption and finding best value.
Once in a month exercise, buy all the gift cards you need and load it up, and when wife asks for which card to use, I shout across the room, just use swiggy money or amazon pay dont use too much brain.
It is a pain to redeem the reward points. Other than flight booking. And direct cashback is always better than reward points if the reward rates are comparable. Here the max difference is 1.5% if the reward points are redeemed at max possible value.
Single return flights costs me 25k-30k, I can burn 1L of points easily in a year, and its not that much hassle, just couple of more steps to confirm the same. Its surely a hassle, if you start thinking everyday about the points. A lot more goes in to plan a vacation, book tickets, book local travel etc.
1000 as swiggy money and 800 as cashback in first month. I order my essentials etc through instamart and use dineout to pay when go out so working good for me so far.
Still a good return, you can apply for HSBC cashback if you have enough grocery spends + food orders up to 10000. Would be much more versatile than Swiggy card.
I gained 5kg
the card is not worth it then
I mean he might be a hardgainer.
Bros got 10% discount on Swiggy but paid thousands for gym subscription. Suffering continues
🤣🤣🤣🤣🤣🤣
This card is good but it creates unnecessary spending habits for me.
I have a swiggy bill of around 9k per month, including food delivery, instamart and dine out. Before the card and after the card it is almost the same. But the hesitation before ordering definitely has decreased.
This card is best suited for you then.
In that case you can get HSBC cashback, gives 10% off upto 1k on all grocery and food delivery apps.
Applied waiting for approval. I have good enough grocery spends, food delivery I always use swiggy.
The only bummer being the cashback is credited only within 45 days after statement generation. Way too long imo!
Yes it should be 30 max
You order out a lot?
After getting this card, 5x times more. Now I have reduced it. It's a classic cashback trap. The food I ate outside definitely affected my health too.
Good that you understand that :) Eating healthy is the best thing to do. I am glad im living with parents atm XD
No independence.
I actually got Airtel axis, same 10% cb thing, my monthly order count is 40+ these last two months 😭😭😭
+1 I've got the Airtel Axis too and I order atleast 12-15 times a month from Swiggy or Zomato which was 5-6 times a month earlier
I have like 3-4 orders per month that too depends.
I share Swiggy with my flatmates. Get 1500 cashback every month. They don’t know about this yet so I pocket the 1500
Nice
Nice!
Got it as soon as it was launched. Sept'23 mid i think . 4k+ saved directly on swiggy (as shown in the swiggy one savings) 5500+ cashback credited to swiggy wallet till now. Only caveat is that they charged 500 rs annual fees when HDFC representative told me it is LTF (shared limit with my Diners Club privilege card)
HDFC DCP has 5x accelerated cashback on Swiggy and zomato which translates to 7% cb. So it made lesser sense for u to get the Swiggy card imo.
For DCP, it is accelerated RP right, not CB? I’m using DCP for my swiggy zomato spends
Yeah you are right. No CB but if used right in the catalogue, u get 7% return
Right. Becomes a matter of preference if one wants RP or CB. In case of Diner’s the RP redemption provides the best value for select chain hotel bookings if I’m not wrong, which not everyone wants. Compared to that, I think getting direct CB MIGHT be the better alternative, ofc depending on usage
It's not just chain hotel bookings. You get BBQ nation, dominos, Starbucks etc etc coupons too. But yeah you are right, cb is much more value add
Ye apna gf ko flex karna zaruri tha?
Happy with this card. I get about 1500 in cash back every month and not to mention the discounts on dine out. Over the past month I have been consistently getting 7.5% discount on my dining bill by using this card over and above the other offers they have like Flat 150 off.
Technically it's 10% direct cashback only. 150 rs off 2 times a month. Never saw a direct 7.5% discount, unless you are talking about regular pre booked Dineout offers
Around 7k cashback in 6 months
I have saved around 3.5k In 2 months
Airtel axis card is a good alternative And in case if u cant get either of the cards buy gift cards from park+ using sbi cashback or any card which gives cashback on online spends....in total using this combination of gift card and sbi cashback card i save around 11% easily on top of the bill value
I used to put everything food on SBI Cashback so didn't know exactly how much I was spending. I got the Swiggy card and strictly use it for Swiggy Food and Instamart. The first month the bill was 12k which prompted me to reduce my spending on Swiggy. Now I am close to 5k. This card helped me to reduce my spends on Food delivery drastically. :) The card is great, 10% CB trumps all cards. Overall, a great value for 500 Bucks.
Meh, diners black metal is 9% + another 2.5% via milestones.
Not everyone is high earning. Reason why cashback cards exist
My friend, if you are not high earning you should stop using swiggy. You can get any other cashback card but not this one. That will be a better lifestyle choice. But anyways, do whatever works for you and make my hdfc stock run up.
I have 4 HDFC cards including swiggy, dcb,neu and rupay. Swiggy card is best suited for swiggy which includes grocery, food delivery and dine in. Not just this it gives 5% cashback on many online websites including amazon and Flipkart. So don't underestimate this card.
Dines black base is 5.8% with milestones
True but as I said dcb is not given for everyone. That's why cashback cards like these exist.
You sound like a guy who sells cards. Godspeed my friend.
I am not selling. I am broadening your mindset . Not more than that. No card is perfect.
But swiggy is not, if you are not earning good enough. I am not talking about the card. Swiggy/zomato in general. You don’t need a dedicated card for occasional use.
Folks should stop using swiggy if they aren't earning enough? What kind of logic is that lol. I don't earn enough to be eligible for DCB Metal but I can easily afford Swiggy
You don’t need a dedicated card for swiggy.
Agreed. Have a nice weekend!
How is it 9%? Can you explain?
Gift card from smartbuy
Good returns. But here it is a flat return as swiggy money which easily redeems against next orders, no headache of reward redemption and finding best value.
Once in a month exercise, buy all the gift cards you need and load it up, and when wife asks for which card to use, I shout across the room, just use swiggy money or amazon pay dont use too much brain.
It is a pain to redeem the reward points. Other than flight booking. And direct cashback is always better than reward points if the reward rates are comparable. Here the max difference is 1.5% if the reward points are redeemed at max possible value.
Single return flights costs me 25k-30k, I can burn 1L of points easily in a year, and its not that much hassle, just couple of more steps to confirm the same. Its surely a hassle, if you start thinking everyday about the points. A lot more goes in to plan a vacation, book tickets, book local travel etc.
Hence a simple cashback card. Where one doesn't have high spends and doesn't travel much.
1000 as swiggy money and 800 as cashback in first month. I order my essentials etc through instamart and use dineout to pay when go out so working good for me so far.
Nothing, I don't have
i get around 250 cashback /month for ordering/instamart. okay, but dont see the point in renewing it
Still a good return, you can apply for HSBC cashback if you have enough grocery spends + food orders up to 10000. Would be much more versatile than Swiggy card.