CardAgent

Best credit cards for Swiggy (2026)

Cards that maximise cashback across Swiggy food delivery, Instamart grocery, and Dineout — with fee-adjusted ranking.

  1. 1
    Kotak Mahindra Bank
    Kotak Privy League Signature Debit Card
    20% on SwiggyLifetime free
    Instant deductions scaling to 20% dining over Taj and assorted networks
    65
  2. 2
    HDFC Bank
    Swiggy HDFC Bank Credit Card
    10% on SwiggyCap ₹1,500/mo₹590/yr incl. GST
    10% on Swiggy
    88
  3. 3
    HSBC India
    HSBC Live+ Credit Card
    10% on SwiggyCap ₹1,000/mo₹1,179/yr incl. GST
    10% accelerated cashback on dining and food delivery. Combined cap with groceries.
    78
  4. 4
    HDFC Bank
    Tata Neu Infinity HDFC Credit Card
    5% on Swiggy₹1,769/yr incl. GST
    5% on Tata brands
    68
  5. 5
    HDFC Bank
    Millennia Credit Card
    5% on SwiggyCap ₹1,000/mo₹1,180/yr incl. GST
    5% on Swiggy/Zomato
    53
  6. 6
    Kotak Mahindra Bank
    Kotak Cashback+ Credit Card
    5% on SwiggyCap ₹750/mo₹885/yr incl. GST
    5% accelerated cashback on online food & grocery delivery... capped at 750 Reward Points per statement cycle.
    49
  7. 7
    Axis Bank
    Flipkart Axis Bank Credit Card
    4% on Swiggy₹590/yr incl. GST
    4% on Swiggy, Uber, PVR
    58
  8. 8
    Axis Bank
    Axis Bank Ace Credit Card
    4% on Swiggy₹589/yr incl. GST
    4% on Swiggy, Zomato, Ola
    52

How we rank

We compute an effective % back for each card's Swiggy reward rule as rate × point value, cap-aware, and rank by that number. Ties are broken by the CardAgent overall score, which weighs reward value (70%), fee efficiency (12%), redemption flexibility (9%), and perks (9%). All fees are shown inclusive of 18% GST. See methodology and full catalog.

FAQ

Which card is best for Swiggy?

The Swiggy HDFC Bank credit card gives 10% cashback on Swiggy (food, Instamart, Dineout, Genie) capped monthly, plus 5% on select online partners.

Do dining cards work on Swiggy?

Yes — cards with an online-dining or delivery-app rule (like HDFC Millennia, Axis ACE, Cashback SBI) earn on Swiggy as an online transaction.

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