Cardfare / Best card by merchant / Swiggy
Best credit card for Swiggy
Cards ranked by what a typical ₹450 order on Swiggy earns back, using conservative point values. Caps and exclusions are shown next to each rate.
| # | Card | Back on ₹450 | Rate | Conditions |
|---|---|---|---|---|
| 1 | Swiggy HDFC Bank | ≈ ₹45 | 10% cashback on Swiggy food delivery and Dineout (Swiggy app), capped at ₹1,500 per billing cycle; min ₹249 per transaction from 21 Apr 2026 | 10% Swiggy cashback capped at ₹1,500 per billing cycle Terms |
| 2 | HSBC Live+ | ≈ ₹45 | 10% on food delivery (shared ₹1,200/month cap) | 10% cashback capped at ₹1,200 a month across dining, food delivery, grocery, shopping and utilities Terms |
| 3 | CASHBACK SBI Card | ≈ ₹23 | 5% cashback on online spends (no merchant restriction) | Online cashback capped at ₹2,000 per statement cycle (from 1 Apr 2026; ₹4,000 combined with the offline cap) Terms |
| 4 | HDFC Millennia | ≈ ₹23 | 5% CashBack at the 10 partner merchants (Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato), non-EMI; capped at 1,000 CashPoints per calendar month | 5% partner-merchant CashBack capped at 1,000 CashPoints per calendar month Terms |
| 5 | FLIPKART AXIS BANK Credit Card | ≈ ₹18 | 4% unlimited cashback on Swiggy food delivery (preferred merchant; Instamart/Genie get only base 1%) | — Terms |
| 6 | Axis Bank ACE Credit Card | ≈ ₹18 | 4% cashback on Swiggy; shared ₹500/statement cap | Combined cap of ₹500 per statement on the 5% (Google Pay bills/recharges) and 4% (Swiggy, Zomato, Ola) categories; 1.5% base is unlimited Terms |
| 7 | SimplyCLICK SBI Card | ≈ ₹10 | 10X (10 RP per ₹100) on Swiggy online. Cut to 5X on 1 Apr 2025; back to 10X partner from 1 Aug 2025 | 10X partner points capped at 10,000 RP per calendar month (THIRD-PARTY: not stated in the current official T&C) Terms |
| 8 | HORIZON Credit Card | ≈ ₹8 | 2 EDGE Miles per ₹100 on other eligible spends | — Terms |
Ranking uses the bank's published rates only and never depends on any commission. Merchant category codes can differ by payment method (UPI vs card), which can change what a card earns.