Best credit card for Swiggy in India

For a ₹500 Swiggy purchase, here are the top Indian credit cards ranked by actual rupee return.

🥇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
🥈HDFC· ₹500 annual

Swiggy HDFC Bank

10% cashback on Swiggy as Swiggy Money, capped at ₹1500/month

₹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
Show 2 more cards
HDFC Millennia
5% cashback on dining, capped at ₹1000/month
₹25 (5.00%)
Axis Bank ACE
4% cashback on Swiggy spends
₹20 (4.00%)

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 quarterly. The rate you see is what you actually earn, not the headline promo rate.

Top recommendations explained

  1. 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 purchase
    Source: www.hdfcbank.com

  2. 2. Swiggy HDFC Bank

    10% cashback on Swiggy as Swiggy Money, capped at ₹1500/month

    HDFC·₹500 annual fee·Earn ₹50 on this purchase
    Source: www.hdfcbank.com

  3. 3. 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 purchase
    Source: 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: 28 Apr 2026. Reward rates are sourced from bank product pages and may change. Always confirm with the card issuer before applying.