🥇HDFC· ₹10,000 annual
HDFC Diners Club Black
5X Reward Points on Swiggy (25 RP per ₹150 = ₹25/₹150 on Smartbuy redemption)
₹83
16.67% back
Best credit card for Swiggy in India
The best credit card for Swiggy in 2026 is HDFC Diners Club Black, earning 16.67% back (₹83 on a ₹500 spend). Runner-up: Swiggy HDFC Bank at 10.00%.
Rates last verified: 27 April 2026
₹50
10.00% back
🥉SBI· ₹999 annual
SBI Cashback
5% cashback on online spends (excludes utilities, rent, fuel), capped at ₹5000/month. 1% offline.
₹25
5.00% back
Swiggy rewards compared
| Card | Effective return | Back on ₹500 | Annual fee |
|---|---|---|---|
| HDFC Diners Club Black | 16.67% | ₹83 | ₹10,000 |
| Swiggy HDFC Bank | 10.00% | ₹50 | ₹500 |
| SBI Cashback | 5.00% | ₹25 | ₹999 |
| HDFC Millennia | 5.00% | ₹25 | ₹1,000 |
| Axis Bank ACE | 4.00% | ₹20 | ₹499 |
How we picked these cards
For every Swiggy transaction, we calculate the effective % return on each card — the actual rupees back at the best realistic redemption (Smartbuy, EDGE portal, statement credit, or airline transfer). Capped categories are honored, exclusions are noted, and redemption fees are factored in.
Reward rates are sourced from the bank's product page and re-verified by an automated weekly pipeline. The rate you see is what you actually earn, not the headline promo rate. Read the full methodology.
Top recommendations explained
1. HDFC Diners Club Black
5X Reward Points on Swiggy (25 RP per ₹150 = ₹25/₹150 on Smartbuy redemption)
HDFC·₹10,000 annual fee·Earn ₹83 on this purchaseSource: www.hdfcbank.com2. Swiggy HDFC Bank
10% cashback on Swiggy as Swiggy Money, capped at ₹1500/month
HDFC·₹500 annual fee·Earn ₹50 on this purchaseSource: www.hdfcbank.com3. SBI Cashback
5% cashback on online spends (excludes utilities, rent, fuel), capped at ₹5000/month. 1% offline.
SBI·₹999 annual fee·Earn ₹25 on this purchaseSource: www.sbicard.com
Frequently asked questions
Which credit card gives the most cashback on Swiggy?
HDFC Diners Club Black earns 16.67% effective back on Swiggy — 5X Reward Points on Swiggy (25 RP per ₹150 = ₹25/₹150 on Smartbuy redemption)
How is the "best" card on Swiggy calculated?
We rank cards by effective rupee return at the best realistic redemption — accounting for monthly caps, exclusions, and redemption fees. Sources are bank product pages, verified within the last quarter.
Can I stack offers and credit card rewards on Swiggy?
Yes, in most cases bank offers (e.g., 10% off) stack on top of credit card rewards. Always check the offer terms — some "no-cost EMI" or instant discounts disable cashback.
Do reward points expire?
Most Indian banks let you keep points active by spending at least once a year. HDFC and Axis points typically expire after 2–3 years. Amazon Pay ICICI rewards never expire.
Related: best cards for other dining & food delivery spends
Last verified: 27 April 2026. Reward rates are sourced from bank product pages and may change. Always confirm with the card issuer before applying.