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Swiggy · Co-branded
Swiggy Credit Cards in India 2026
Best credit card for Swiggy + Instamart — 10% back on Swiggy ecosystem, 5% on online spends.
Swiggy HDFC Bank Credit Card pays 10% cashback on Swiggy (food), Swiggy Instamart, Swiggy Dineout, and Swiggy Genie — the entire ecosystem. 5% on other online merchants (Amazon, Flipkart, Myntra). 1% on offline/grocery/utility. ₹500 annual fee, waived at ₹2L annual spend. The 10% rate is the highest food-delivery-specific rate in India — but capped at ₹1,500 cashback per statement cycle, meaning your peak Swiggy benefit caps at ₹15K Swiggy spend/month.
10% on Swiggy/Instamart/Dineout, 5% other online, 1% offline
Swiggy Money (1₹ = 1₹ at Swiggy)
Swiggy Money is redeemable ONLY in the Swiggy app. Not transferable, not redeemable elsewhere. If you stop using Swiggy for 2 months, the balance just sits there. ₹1,500/cycle cap means heavy users (>₹15K/mo Swiggy) plateau.
Skip this card if…
- Swiggy spend below ₹3K/month — fee won't justify the rate
- You use Zomato more — Zomato has no equivalent co-branded card
- You want lounge access or travel perks — this is pure food delivery