1. HSBC Live+ Credit Card
Annual fee ₹999 · Rewards up to 10% · You keep ₹3,600* a year
No Swiggy rate of its own. Shown for comparison.
The HSBC Live+ Credit Card suits people who spend on food, groceries and bills. It gives 10% cashback on those spends, up to ₹1,200 a month, and 1.5% on most other spends with no limit.
- 10% on dining and food delivery
- 10% on groceries
- 10% on bills and utilities
- 1.5% on other spends
2. HSBC RuPay Cashback Credit Card
Annual fee ₹499 · Rewards up to 10% · You keep ₹3,600* a year
No Swiggy rate of its own. Shown for comparison.
The HSBC RuPay Cashback Credit Card gives 10% cashback on dining, food delivery and groceries and 1% on other spends, up to ₹400 a month, and works on UPI. The ₹499 fee is waived on ₹2 lakh of yearly spends.
- 10% on dining and food delivery
- 10% on groceries
- 1% on other spends
3. HDFC Bank Millennia Credit Card
Annual fee ₹1,000 · Rewards up to 5% · You keep ₹1,800* a year
The HDFC Bank Millennia Credit Card gives 5% cashback on 10 online merchants and 1% on most other spends. Each rate has a monthly limit of 1,000 CashPoints.
- 5% on Amazon, Flipkart, Myntra, Swiggy
- 1% on other spends
4. Kotak Cashback+ Credit Card
Annual fee ₹750 · Rewards up to 5% · You keep ₹1,800* a year
The Kotak Cashback+ Credit Card gives 5% back on online food and grocery delivery, movie tickets and OTT, and 3% on fuel, up to ₹750 a billing cycle. Other spends earn 0.5% with no limit.
- 5% on Swiggy, Zomato
- 5% on BigBasket, Blinkit
- 5% on BookMyShow
- 3% on fuel
5. Axis Bank ACE Credit Card
Annual fee ₹499 · Rewards up to 5% · You keep ₹1,440* a year
The Axis Bank ACE Credit Card gives 5% cashback on bills and recharges paid through Google Pay, and 4% on Swiggy, Zomato and Ola, with a shared limit of ₹500 per statement. Other eligible spends earn 1.5% with no limit.
- 5% on Google Pay bills
- 4% on Swiggy, Zomato
- 4% on Ola
- 1.5% on other spends
6. HSBC Premier Credit Card
Annual fee Free · Rewards up to 3% · You keep ₹1,080* a year
No Swiggy rate of its own. Shown for comparison.
The HSBC Premier Credit Card earns 3 reward points per ₹100, worth ₹1 each on Apple products or HSBC Travel with Points, with unlimited airport lounge access and a 0.99% forex markup. It is only for HSBC Premier customers, who pay no annual fee.
- 3% on other spends
7. Flipkart Axis Bank Credit Card
Annual fee ₹500 · Rewards up to 7.5% · You keep ₹850* a year
The Flipkart Axis Bank Credit Card gives 7.5% cashback on Myntra and 5% on Flipkart and Cleartrip, each up to ₹4,000 per statement quarter. Other eligible spends earn 1% or 4% with no limit.
- 7.5% on Myntra
- 5% on Flipkart
- 5% on Cleartrip
- 4% on Swiggy
8. HDFC Bank MoneyBack+ Credit Card
Annual fee ₹500 · Rewards up to 2% · You keep ₹720* a year
The HDFC Bank MoneyBack+ Credit Card earns 10X CashPoints at Amazon, BigBasket, Flipkart, Reliance Smart SuperStore and Swiggy, and 2 CashPoints per ₹200 on other spends. It also gives a ₹500 voucher on ₹50,000 of spends in a calendar quarter.
- 2% on Amazon, BigBasket, Flipkart, Swiggy
- 0.2% on other spends
9. HDFC Bank Diners Club Privilege Credit Card
Annual fee ₹1,000 · Rewards up to 5% · You keep ₹620* a year
The HDFC Bank Diners Club Privilege Credit Card suits people who order food online and travel now and then. It gives 5X reward points on Swiggy and Zomato, 4 points per ₹200 on other spends, and lounge visits on a quarterly spend condition.
- 5% on Swiggy, Zomato
- 1% on other spends
10. HDFC Bank Freedom Credit Card
Annual fee ₹500 · Rewards up to 0.75% · You keep ₹270* a year
The HDFC Bank Freedom Credit Card is a low-fee card with a low income requirement. It gives 10X CashPoints at BigBasket, BookMyShow, OYO, Swiggy and Uber, and its fee is waived on spends of ₹50,000 in a year.
- 0.75% on BigBasket
- 0.75% on Swiggy
- 0.75% on OYO, Uber
- 0.75% on BookMyShow
Compare these cards
| Card | Joining fee | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|---|
| HSBC Live+ Credit Card | ₹999 | ₹999 | 10% | ₹3,600* |
| HSBC RuPay Cashback Credit Card | ₹499 | ₹499 | 10% | ₹3,600* |
| HDFC Bank Millennia Credit Card | ₹1,000 | ₹1,000 | 5% | ₹1,800* |
| Kotak Cashback+ Credit Card | ₹750 | ₹750 | 5% | ₹1,800* |
| Axis Bank ACE Credit Card | ₹499 | ₹499 | 5% | ₹1,440* |
| HSBC Premier Credit Card | ₹12,000 | Free | 3% | ₹1,080* |
| Flipkart Axis Bank Credit Card | ₹500 | ₹500 | 7.5% | ₹850* |
| HDFC Bank MoneyBack+ Credit Card | ₹500 | ₹500 | 2% | ₹720* |
| HDFC Bank Diners Club Privilege Credit Card | ₹1,000 | ₹1,000 | 5% | ₹620* |
| HDFC Bank Freedom Credit Card | ₹500 | ₹500 | 0.75% | ₹270* |
How to choose a credit card for Swiggy
- Whether the rate covers food orders, Instamart, Dineout or all of them.
- The monthly limit on the Swiggy rate.
- Whether the rate is paid only in the Swiggy app.
- The annual fee and how to get it waived.
How we ranked these cards
We work out what each card pays on ₹3,000 a month at Swiggy, then take off the renewal fee with GST. We count rewards only up to each limit. We count rewards on that spend only, and assume ₹15,000 a month of other spending when we check whether the fee is waived. Where a card pays a rate of its own at Swiggy, we use it. We also show the best cards without one, ranked on the same spend. Welcome gifts and lounge visits are left out. What a bank pays us plays no part. Your own result will differ, so try the credit card finder with your spending.
The bank alone decides approval and your credit limit.
Frequently asked questions
Do Swiggy offers come on top of card rewards?
Usually the app's own offers and the card's rewards are separate. Some bank offers in the app replace the card's normal rate, so check the offer terms.
Can a general dining card beat a Swiggy card?
Yes. A card that pays a high rate on all dining can match or beat a brand card, which is why we show the best of those too.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms. Fees are before GST.
Some Apply buttons are partner links. What a bank pays us never changes the order or any figure. How we make money