Credit card users can access discounts on festive purchases across groceries, food delivery, electronics, fashion and jewellery through offers announced by Swiggy Instamart and BOBCARD.
The offers include discounts of up to ₹5,500 on select Instamart purchases using HDFC Bank credit cards, along with capped discounts on Swiggy and Ajio transactions for BOBCARD customers.
The benefits vary by platform, minimum transaction value and offer validity.
Here is a look at the available offers and the conditions customers should check before making a purchase.
What are the credit card offers available?
Instamart: Up to ₹5,500 off with HDFC Bank credit cards
Instamart’s Quick India Movement sale, available on the Instamart and Swiggy apps, advertises discounts of up to 50-90% on select products across electronics, laptops, home appliances, beauty and everyday essentials.
Customers can get discounts of up to ₹5,500 on select items using HDFC Bank credit cards. The sale also lists a 10% discount on eligible purchases using HDFC Bank credit cards, subject to the applicable terms.
Swiggy HDFC Bank credit cardholders can additionally avail of up to 10% cashback on eligible transactions, according to the company. The availability of these benefits depends on the relevant offer conditions.
Swiggy: 10% off with BOBCARD
BOBCARD customers can get a 10% discount on Swiggy orders, capped at ₹100, using the promo code BOBCARD100.
The offer requires a minimum order value of ₹499 and is valid on Fridays, Saturdays and Sundays until December 27, 2026.
Instamart: ₹75 off with BOBCARD
BOBCARD customers can also get a flat ₹75 discount on Instamart orders using the promo code BOBCARD75.
The offer is valid on Fridays, Saturdays and Sundays until December 27, 2026, with a minimum order value of ₹999.
Ajio: 10% off with BOBCARD
On Ajio, BOBCARD customers can avail of a 10% instant discount, capped at ₹1,000, on purchases worth at least ₹3,000.
The offer is valid until October 24, 2026. At the maximum discount, an eligible purchase of ₹10,000 would qualify for a saving of ₹1,000, subject to the terms.
Surat Diamond Jewellery: ₹1,000 off with BOBCARD
BOBCARD customers can get ₹1,000 off on purchases from Surat Diamond Jewellery worth at least ₹3,000. The offer requires the promo code BOBCARD1000 and is valid until March 29, 2027.
What should credit card users check?
The discounts are subject to platform-specific terms and may apply only to select products, card variants or transactions. Customers should check the minimum order value, maximum discount, promo code and validity period before paying.
They should also verify whether a bank discount can be combined with an existing sale price or another promotion. The availability of separate offers on the same platform does not automatically mean that the benefits can be combined.
For higher-value purchases, comparing the final checkout price across platforms can help establish whether the offer provides a meaningful saving. Cardholders should also factor in any applicable delivery charges and pay their credit card bills by the due date to avoid interest charges.