Best Credit Cards for Swiggy

Food and grocery orders on Swiggy, including Instamart where the card's terms say so. Ranked by what each card pays back on ₹5,000 a month, never by what a bank pays us.

10Cards ranked
10%Top rate

1
HDFC Bank Swiggy Credit Card
10% on Swiggy only at Swiggy app (Food, Instamart, Dineout), up to ₹1,500 a month
On ₹5,000 a month
₹500 back
A year
₹6,000
Annual fee
₹590 incl. GST
Apply Worth it for me?
2
HSBC Live Plus Credit Card
10% on Swiggy at Swiggy, Zomato, restaurant dining, up to ₹1,200 a month
On ₹5,000 a month
₹500 back
A year
₹6,000
Annual fee
₹1,179 incl. GST
Apply Worth it for me?
3
Swiggy BLCK HDFC Bank Credit Card
10% on Swiggy only at Swiggy app, Food, Instamart, Dineout, up to ₹1,500 a month
On ₹5,000 a month
₹500 back
A year
₹6,000
Annual fee
₹1,180 incl. GST
Apply Worth it for me?
4
HSBC RuPay Cashback Credit Card
10% on Swiggy at Swiggy, Zomato, restaurant dining, up to ₹400 a month
On ₹5,000 a month
₹400 back (capped)
A year
₹4,800
Annual fee
₹589 incl. GST
Apply Worth it for me?
5
Swiggy Ornge HDFC Bank Credit Card
5% on Swiggy only at Swiggy app, Food, Instamart, Dineout, up to ₹1,500 a month
On ₹5,000 a month
₹250 back
A year
₹3,000
Annual fee
₹590 incl. GST
Apply Worth it for me?
6
PhonePe HDFC Bank Ultimo Credit Card
5% on Swiggy only at Amazon, Flipkart, Myntra, Ajio, Uber, Swiggy, Zomato, up to ₹500 a month
On ₹5,000 a month
₹250 back
A year
₹3,000
Annual fee
₹1,179 incl. GST
Apply Worth it for me?
7
HDFC Bank Diners Club Privilege Credit Card
5% on Swiggy only at Swiggy, Zomato, up to ₹1,250 a month
On ₹5,000 a month
₹250 back
A year
₹3,000
Annual fee
₹1,180 incl. GST
Apply Worth it for me?
8
HDFC Millennia Credit Card
5% on Swiggy only at Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, SonyLIV, Swiggy, Tata CLiQ, Uber, Zomato, up to ₹1,000 a month
On ₹5,000 a month
₹250 back
A year
₹3,000
Annual fee
₹1,180 incl. GST
Apply Worth it for me?
9
Axis Bank ACE Credit Card
4% on Swiggy only at Swiggy, Zomato, Ola, up to ₹500 a month
On ₹5,000 a month
₹200 back
A year
₹2,400
Annual fee
₹589 incl. GST
Apply Worth it for me?
10
Flipkart Axis Bank Credit Card
4% on Swiggy only at Swiggy food delivery
On ₹5,000 a month
₹200 back
A year
₹2,400
Annual fee
₹590 incl. GST
Apply Worth it for me?

Worked out from each card's published reward rate and monthly cap. Your spending elsewhere and the fee also matter: use Is this card worth its fee? for your own numbers.

Common Questions

Which is the best credit card for Swiggy?

On our data, HDFC Bank Swiggy Credit Card pays the most: 10% at Swiggy app (Food, Instamart, Dineout), about ₹6,000 a year on ₹5,000 a month. The best card for you also depends on your other spending and the fee.

How are these cards ranked?

By what each card pays back on ₹5,000 a month in this category or at this brand, from the bank's published rate and monthly cap. A rate the bank limits to named merchants or its own portal is shown as a note, not ranked, on a category page. A card whose terms state no rate here is not ranked at all. Cards that pay the same are ordered by the lower annual fee. What a bank pays SkyloFin is never part of the ranking.

Are the rates guaranteed?

No. Banks change rates and caps; each card's page shows its recent changes and its source. Check the bank's terms before you apply.

Best Cards for Other Spends

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides

Best Credit Cards for Swiggy

Common Questions

Best Cards for Other Spends

Guides in Plain Words

Your Money. One Clear View.