Best card for
Best credit card for Swiggy
Which card to use for Swiggy in India - all 187 cards ranked
by what you actually get back on ₹1,500, after caps, exclusions and fees.
Top cardson ₹1,500
1
HDFC Infinia Metal
Buy a Swiggy voucher on HDFC SmartBuy first · SmartBuy gift vouchers 5X · cap ~3,000 pts/month
offers.smartbuy.hdfc.bank.in · 24 Sep 2026
₹250
250 pts · 16.67%
2
HDFC Diners Club Black Metal
Buy a Swiggy voucher on HDFC SmartBuy first · SmartBuy gift vouchers 3X · cap ~3,000 pts/month
offers.smartbuy.hdfc.bank.in · 24 Sep 2026
₹150
150 pts · 10%
3
Swiggy HDFC Bank
Book it on Swiggy app · 10% on Swiggy app · cap ₹1,500/month
hdfcbank.com · 20 Aug 2026
₹150
10%
4
HSBC Live+
Pay directly · 10% dining / food delivery / groceries / shopping / utilities · cap ₹1,200/month
hsbc.co.in · 27 Sep 2026
₹150
10%
5
HSBC RuPay Cashback
Pay directly · 10% dining / food delivery / groceries · cap ₹400/month TOTAL cashback across BOTH the 10% and 1% tiers (bank caps combined; engine models per-rule - true ceiling is ₹400 all-in)
hsbc.co.in · 20 Aug 2026
₹150
10%
6
FIRST Private
Pay directly
idfcfirstbank.com · 25 Sep 2026
₹100
100 pts · 6.67%
7
Amex Platinum Charge
Buy a Swiggy voucher on Amex ShopWise first · ShopWise vouchers 5X modeled (Rewards Xcelerator reaches up to 20X on 20+ luxury brands)
shopwise.giftstacc.com · 22 Aug 2026
₹93
185 pts · 6.17%
8
Axis Burgundy Private
Pay directly
axis.bank.in · 21 Aug 2026
₹89
105 pts · 5.95%
9
HDFC Regalia Gold
Buy a Swiggy voucher on HDFC SmartBuy first · SmartBuy gift vouchers 5X · cap 3,000 RP/month voucher sub-cap (inside the group cap)
offers.smartbuy.hdfc.bank.in · 24 Sep 2026
₹88
175 pts · 5.83%
10
HDFC Millennia
Pay directly · 5% partner merchants · cap ₹1,000/month
hdfcbank.com · 20 Aug 2026
₹75
5%
Best with no annual fee3
1
Fibe Axis Bank Credit Card
Pay directly · 3% cashback on online food delivery, entertainment and local commute · cap ₹1,500/cycle
axis.bank.in · 2 Oct 2026
₹45
3%
2
Kotak Solitaire Credit Card
Pay directly
kotak.bank.in · 30 Sep 2026
₹45
45 pts · 3%
3
IndusInd Tiger
Pay directly · Up to 6 pts / ₹100 via annual spend slabs · cap 5,000 pts/month
indusind.bank.in · 21 Aug 2026
₹36
90 pts · 2.4%
Best if you pay directly3
1
HSBC Live+
Pay directly · 10% dining / food delivery / groceries / shopping / utilities · cap ₹1,200/month
hsbc.co.in · 27 Sep 2026
₹150
10%
2
HSBC RuPay Cashback
Pay directly · 10% dining / food delivery / groceries · cap ₹400/month TOTAL cashback across BOTH the 10% and 1% tiers (bank caps combined; engine models per-rule - true ceiling is ₹400 all-in)
hsbc.co.in · 20 Aug 2026
₹150
10%
3
FIRST Private
Pay directly
idfcfirstbank.com · 25 Sep 2026
₹100
100 pts · 6.67%
Questions
Which credit card is best for Swiggy?
HDFC Infinia Metal is the best card for Swiggy. It nets ₹250 on a ₹1,500 spend. Buy a Swiggy voucher on HDFC SmartBuy first.
Which cards give nothing on Swiggy?
None of the cards we track exclude it.
Is a gift voucher better than paying directly for Swiggy?
Buying a gift voucher first (HDFC Infinia Metal, Buy a Swiggy voucher on HDFC SmartBuy first) nets ₹250 on ₹1,500, more than paying directly with HSBC Live+ (₹150).