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HDFC Bank Swiggy Credit Card – India’s Popular Cashback Card

September 7, 2025

HDFC Bank Swiggy Credit Card: Is It the Right Choice for Your Wallet? In an age where online shopping and food delivery are a part of daily life, having a credit card that rewards you for these spends is a game-changer. The HDFC Bank Swiggy Credit Card has quickly emerged as a top contender in the Indian market, offering a compelling cashback structure that goes beyond just food delivery. In this detailed review, we’ll break down everything you need to know about this popular co-branded card. We’ll explore its key features, analyze its pros and cons, and help you decide if it’s the perfect fit for your spending habits. Let’s dive in! HDFC Bank Swiggy Credit Card: Key Features & Benefits The HDFC Bank Swiggy Credit Card is designed for the digital-savvy user, with a focus on delivering high cashback on a wide range of online transactions. Accelerated Cashback on Swiggy: 10% Cashback on all your transactions within the Swiggy app, including Swiggy Food, Instamart, Dineout, and Genie. Maximum Cashback: Capped at ₹1,500 per billing cycle. High Cashback on Online Spends: 5% Cashback on a broad range of online shopping categories, including electronics, apparel, department stores, and more. This benefit works on popular e-commerce platforms like Amazon, Flipkart, Myntra, and cab services like Ola and Uber. Maximum Cashback: Capped at ₹1,500 per billing cycle. Base Cashback on All Other Spends: 1% Cashback on all other eligible spends, both online and offline. Maximum Cashback: Capped at ₹500 per billing cycle. Welcome & Renewal Benefits: Complimentary 3-Month Swiggy One Membership as a welcome benefit upon card activation. Annual Fee Waiver if your total annual spends exceed ₹2 Lakh. Additional Benefits: As a Mastercard World card, it offers a suite of global benefits, including access to golf courses and lessons (as per Mastercard’s program terms). IMPORTANT NOTE: This credit card doesn’t provide cashback on core competing categories, Online Food & Grocery Delivery Category. Which means one won’t get any cashback on spends on apps like Zomato, Big Basket, Blinkit, Zepto, etc.But, Amazon and Flipkart are the only exceptions as the card provides 5% cashback even on grocery spends on both platforms. Pros & Cons: A Balanced View To help you make an informed decision, here’s a quick summary of the card’s advantages and limitations. Pros Cons High Cashback Rates: A fantastic 10% on Swiggy and 5% on online shopping are among the best in the market for a card in this segment. Cashback Caps: The monthly caps on cashback limit your total earnings, which might not be ideal for high spenders. Versatile Cashback: The 5% online cashback category is broad, making this a great all-purpose card for online shopping. MCC-Based Exclusions: The 5% cashback is tied to specific merchant category codes (MCCs), and certain categories like flight/hotel bookings are excluded. Low Annual Fee: The fee of ₹500 + GST is easily offset by the welcome benefits and can be waived with a reasonable spending threshold. No Airport Lounge Access: The card does not offer complimentary airport lounge access, a common feature on many similar cards. Simple Redemption: Cashback is automatically credited to your credit card statement, simplifying the redemption process. Exclusions: Fuel, EMI, rent, and wallet reloads do not earn any cashback. Credit Cult Conclusion: Is This Card Underrated? While the HDFC Swiggy Credit Card has gained significant popularity, it’s still often viewed as a niche card for Swiggy users. However, its true value lies in the broad 5% cashback on general online spends, which makes it a direct and powerful competitor to other leading cashback cards in the market. For a customer who spends regularly on Swiggy and has a significant portion of their monthly budget allocated to online shopping, this card offers one of the best value propositions in its category. If you’re a frequent online shopper, especially if you also use Swiggy, this card is a definite must-have. Its low fee and high cashback potential make it an excellent choice for a primary or secondary card in your wallet. Especially, if this is offered to you as a lifetime free card then this credit card is a must have. Apply Now! Hey Readers, We hope you find this post useful but here is more, if you apply for the card and join our telegram channel then we will give you a bonus reward once we have validated your signup. If you are looking for the best all rounder cashback credit card then try out HDFC Tata Neu Credit Card too and use referral code SAUR1137 on signup. Checkout more about the HDFC Tata Neu Credit Card. Happy Investing! Telegram

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How to Signup Hostinger at Lowest Price | Save Tax on Hostinger

December 8, 2024

How to Signup Hostinger at Lowest Price | Save Tax on Hostinger If you’re on this page, chances are you’re either trying to get How to Signup Hostinger at the lowest price or looking for a way to eliminate the tax on your purchase. Don’t worry—you’ve come to the right place! By following this step-by-step guide, you’ll not only maximize your savings but also learn a trick to save on the added tax. 👉 Get your 20% OFF on Hostinger now! 👈 Let’s dive in! How to Signup Hostinger at Lowest Price: Current Scenario Condition 1: You Already Signed Up for Hostinger Most probably you must have already signed up for Hostinger and you might fall under one of these two scenarios: Scenario 1: You Signed Up Using a 20% Extra Discount Link Congratulations! You’ve already secured the best discount available on the internet. There’s nothing more to do here. Scenario 2: You Signed Up Without a Discount or With Only 7% Off Coupon Code No worries! Here’s how you can fix this: Sign up again using a new Email ID. Use my exclusive invitation link to get an extra 20% discount on top of the existing Hostinger deal. This way, you’ll ensure you don’t miss out on the best offer available. Condition 2: You Haven’t Signed Up Yet If you haven’t signed up for Hostinger yet, here’s the ultimate step-by-step guide to grabbing the best deal and saving on taxes. Lowest Price for Premium Web Hosting using our Exclusive Invite Link Step-by-Step Guide to Signup Hostinger at the Lowest Price Step 1: Click My Invitation Link Click on my exclusive invitation link to unlock an extra 20% discount. This discount is added on top of Hostinger’s ongoing offers, ensuring you get the lowest price available. Step 2: Choose the Right Plan Browse through the available plans and select the one that suits your needs. Click here for hosting plans cost comparision. 🔑 Recommendation: Opt for the 48-month plan (4 years). Why? Lowest monthly cost. Includes a free domain. Offers 3 months of extra hosting. Lower renewal cost when the plan ends. Step 3: Add the Plan to Your Cart Simply add the chosen plan to your cart. No coupon code is required, as the maximum discount will already be applied. Step 4: Signup Hostinger with Your Email Sign up with your email address to proceed. Step 5: Save Tax on Your Purchase This is where the magic happens! If you’re worried about the tax, follow this trick: Check the (or click on the) Company Details. Add GST Details: If you don’t have your own GST ID, search online for a company’s GST details (e.g., Amazon GST ID) using Google. Copy the exact company name and GST ID, then paste them into the Hostinger GST fields. If it doesn’t work the first time, delete the company details and try again. It usually works on the second attempt. By doing this, you’ll eliminate the tax from your purchase. Step 6: Complete Payment For payment, use a credit card or RuPay UPI. This not only simplifies the process but also offers cashback rewards or credit repayment time. Congratulations! Your Website is Ready Once you’ve completed the steps, you’re officially a website owner! Enjoy the freedom to create and grow your online presence with the best deal possible. Request: If this trick works for you, please consider signing up again using my invitation link. It helps support me and my website and ensures I can continue creating content like this for you. Thank you! Hostinger Hosting Plans Comparison Now that we’ve covered how to save taxes on this blog: How to Signup Hostinger at Lowest Price | Save Tax on Hostinger, let’s talk about the best Hostinger plans available today and how you can grab them at the lowest possible price. 1. Shared Hosting Plans Perfect for beginners, bloggers, and small websites, Hostinger’s shared hosting plans are packed with value: Plan Name Regular Price Our Discount Offer Price Buy Premium Web Hosting: 12 Months Plan 2,388.00 477.60 1,910.40 Buy Here 24 Months Plan 4,056.00 811.20 3,244.80 Buy Here 48 Months Plan 6,192.00 1,238.40 4,953.60 Buy Here Business Web Hosting: 12 Months Plan 4,308.00 861.60 3,446.40 Buy Here 24 Months Plan 7,176.00 1,435.20 5,740.80 Buy Here 48 Months Plan 10,992.00 2,198.40 8,793.60 Buy Here With all these plans, you’ll get free SSL, SSD storage, and a website builder to help you get started quickly! 2. VPS Hosting For users looking for more control, power, and flexibility, Hostinger’s VPS hosting is a great choice: Plan Name Regular Price Our Discount Offer Price Buy KVM1 12 Months Plan 5,508.00 1,101.60 4,406.40 Buy Here 24 Months Plan 10,536.00 2,107.20 8,428.80 Buy Here KVM2 12 Months Plan 7,548.00 1,509.60 6,038.40 Buy Here 24 Months Plan 13,176.00 2,635.20 10,540.80 Buy Here KVM4 12 Months Plan 11,388.00 2,277.60 9,110.40 Buy Here 24 Months Plan 20,376.00 4,075.20 16,300.80 Buy Here KVM8 12 Months Plan 22,788.00 4,557.60 18,230.40 Buy Here 24 Months Plan 40,776.00 8,155.20 32,620.80 Buy Here 3. Cloud Hosting For fast, scalable, and secure cloud hosting, Hostinger’s cloud hosting plans are ideal for businesses that need more power: Plan Name Regular Price Our Discount Offer Price Buy Cloud Startup 12 Months Plan 10,188.00 2,037.60 8,150.40 Buy Here 24 Months Plan 19,176.00 3,835.20 15,340.80 Buy Here 48 Months Plan 33,552.00 6,710.40 26,841.60 Buy Here Cloud Professional 12 Months Plan 15,588.00 3,117.60 12,470.40 Buy Here 24 Months Plan 28,776.00 5,755.20 23,020.80 Buy Here 48 Months Plan 47,952.00 9,590.40 38,361.60 Buy Here Cloud Enterprise 12 Months Plan 40,788.00 8,157.60 32,630.40 Buy Here 24 Months Plan 69,576.00 13,915.20 55,660.80 Buy Here 48 Months Plan 1,19,952.00

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5 Best Lifetime Free Credit Cards in India

August 7, 2024

5 Best Lifetime Free Credit Cards in India! Credit cards have revolutionized the way we manage our finances, but do you know what’s even better? Lifetime free credit cards. Imagine enjoying all the benefits of a credit card without ever paying a joining or annual fee. With hundreds of options available, how do you choose the best one? To save you time and effort, this post ranks the top 5 lifetime free credit cards in India. Each of these cards offers unique perks and rewards, ensuring you get the most value without any hidden costs. Don’t miss out on our Credit Cult conclusion section for final insights. Let’s dive in! Disclaimer: This blog may include affiliate links. They help support our work but don’t affect product rankings/reviews. Our recommendations are based on unbiased evaluations & personal experience. List of 5 Best Lifetime Free Credit Cards: HDFC Tata Neu Infinity Credit Card Amazon Pay ICICI Credit Card IDFC First Select Credit Card ICICI Platinum Chip Credit Card OneCard Credit Card FAQs Risks and Benefits of Credit Cards Credit Cult Recommendation Credit Cult Conclusion #Best: HDFC Tata Neu Infinity Credit Card Key Features: 10% Valueback on Shopping (Neu App) 5% Valueback on Recharge and Bills 20% Valueback during PayDay Sale UPI spends + 1% Cashback (RuPay Variant) Complimentary Airport Lounge Access You may get LTF Credit Card (Fees: 1499) Apply Now Other Features Welcome Benefits of 1,499 NeuCoins (If joining fees of Rs 1,499 is paid) Milestone Benefits are often offered by HDFC NeuPass Rewards Program (Often ran during TATA IPL) 1.5% Cashback on EMI spends at TATA Brands Joining Fees & Annual Fees: Rs 1499 1% Fuel Surcharge Waiver #If you don’t initially receive the HDFC Tata Neu Infinity Credit Card as a lifetime free option, consider contacting HDFC Bank to request a conversion. Banks often accommodate such requests based on your relationship and spending patterns. This way, you can enjoy all the benefits without worrying about annual fees. Pros & Cons Pros: You may get it as Lifetime Free Credit Card Best Valueback on TATA Brands (especially spends through TATA Neu App) Best Valueback on Utilities Payment Payments through UPI and Cashback on it Cons: You may not get it as Lifetime Free Credit Card No offers on Non-TATA E-commerce brands (like Amazon, Flipkart, Myntra, and more) #2. Amazon Pay ICICI Credit Card Key Features: 5% Valueback on Amazon Shopping (3% Valueback, if not a prime member) 2% Valueback on Recharge and Bills Welcome Benefits: Amazon Prime, Other Complimentary Offers worth Rs 1,500/more No Airport Lounge Access Apply Now Other Features 2% Valueback on spends on partner brands like Yatra, BookMyShow, Faasos, etc. 1% Valueback on other spends Occasionally, special rewards are offered by Amazon 3/6 months No-cost-EMI and Amazon Shopping 1% waiver on fuel surcharge Pros & Cons Pros: Great welcome benefits at Nil joining fee High cashback rate for Prime members Multiple associated partners, spends on these earn 2% cashback Lifetime free No cap on cashback earning Cashback is directly credited as Amazon Pay Includes everyday spends like wallet reloads, bill payments for cashback earning Cons: Zero benefits on travel, entertainment or any other category apart from shopping Not suited for international usage as foreign currency mark-up fee is high (3.5%) Low cashback rate for non-prime holder Benefits of ICICI Bank Credit Card are not applicable on this card (So, no good offers on other E-commerce brands) #3. IDFC First Select Credit Card Key Features: Only Lifetime Free Credit Card offering Railway Lounge Access (4/Quarter) Welcome Benefit: 500 on spend of 15,000 B1G1 movie ticket offer, twice every month 5% cashback on your first EMI transaction (within first 90 days) Airport Lounge Access (4/Quarter) Apply Now Other Features 10X reward points on all transactions you make on your birthday 15% off at 3,000 plus health and wellness outlets Enjoy free Road Side Assistance (RSA) of up to Rs.1,399 Pros & Cons Pros: Lifetime Free Card Only Lifetime Free Card offering Railway Lounge Access Welcome Benefit of Rs 500 on a spend of Rs 15,000 Cons: Does not offer good Valueback on online/offline shopping Does not offer valueback on Utility payments #4. ICICI Platinum Chip Credit Card Key Features: A Must have card for Instant Discount on E-commerce Sales (Amazon, Flipkart, Croma, and more) 15-20% off on spends at partner restaurants No Other Benefits like Lounge Access, Utilities Bill Payment Offers Apply Now Other Features Fuel surcharge waiver of 1% No other benefits. Recommended just because I have noticed that recently ICICI is offering great discount on shopping from almost all E-commerce platforms using ICICI Bank Credit Cards (Except co-branded credit cards). Pros & Cons Pros: Instant Discount and Cashback offers on almost all E-commerce brands Lifetime Free Cons: No good Valueback on other spends No valueback on Utilities payments No Airport/Railway lounge benefits #5. OneCard Credit Card Key Features: 10-30% Valueback on stores around you (Grocery, QSR, Pharmacy, Fuel and more) Around 1% Valueback on Online Spends No Lounge Access Discounts offered on Amazon-Croma Sales Valueback on Gift Card Purchase A #MetalCard Zero Forex Fee Apply Now Other Features Exclusive Deals are offered Special Sale cashbacks under Ticking Deals Segment Travel Benefits Available OneCard’s SBM Card allows customers to get credit card against FD. Best to build a credit score. Pros & Cons Pros: Great Valueback offered under the Around You offer segment Lifetime free card Get it against FD if not credit history Occasional Exclusive Deals are offered Enhanced security through app based transaction approvals and card control Cons: No Airport/Railway Lounge Access Bank Credit Card offers are not applicable No good valueback on Utility payments Credit Cult Recommendation 3 Lifetime Free Credit Cards Owned by Me All 5 of them are the Free Gems. I own 3 of them and soon will apply for the other 2 credit cards. But, if you want the best then go for HDFC’s Tata Neu Infinity Credit Card even if you don’t get it as a Lifetime Free Credit Card. As it

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