Best Credit Cards for Swiggy

Last Updated : Oct. 4, 2024, 4:24 p.m.

Online food delivery has become very popular and is increasing everyday. Amongst several online food delivery partners, Swiggy is one of the leading players since it gives plenty of offers and discounts on orders. It also offers the lowest price at checkout compared to other food delivery platforms. Individuals who want to maximize their savings should avail of the Swiggy offers given by credit cards in the form of cashbacks, discounts, waivers, etc. These cards have special offers for food ordered through Swiggy. For instance, the Swiggy HDFC Bank credit card offers a cashback of 10% across different Swiggy platforms. Not just this, you can also pay your dining bills through these credit cards via popular apps like Swiggy and Zomato and cut down your expenses considerably. Suppose you dine at a restaurant and say your bill comes up to 10,000. If you use a credit card and pay through Swiggy, you do not have to pay the whole bill. Instead you may get a 10%, 20%, or even a 50% off. Let us now look at the best credit cards for Swiggy in India in 2024.

Top Credit Cards for Swiggy in 2024

These credit cards will give you the best deal on Swiggy when you order food from it. You must see the fees and the benefits on Swiggy these cards have.

Benefits of Using Credit Cards for Swiggy

• Cashback Offers: Using credit cards for Swiggy payments helps you earn considerable cashback. The exact quantum of cashback will depend on the type of credit card used on the Swiggy app, and the benefits provided by it.
  
• Discounts and deals: When you use credit cards for Swiggy payments, you can avail attractive discounts and deals on Swiggy orders. For instance, you will get a cashback of 10% (Up to Rs 1500) on the Swiggy app for food ordering with the Swiggy HDFC Bank credit card.
  
• Reward Points: Every time users pay using credit cards, they earn reward points. These accumulated reward points can be redeemed through various ways like recharge, refueling, shopping, etc. The remaining amount can be paid along with the credit card bill.
  
• Exclusive Promotions: Swiggy often makes promotional offers with credit card partners. This is a highly beneficial way to reward loyal customers and get new ones. These promotional offers are available only for a limited period of time and only to select customers. These deals are given in many forms like discounts, free gifts, and early access to new products, VIP events, etc. Swiggy offers a cashback of up to Rs. 100 on orders more than Rs. 179 in selected restaurants.

Credit Cards for Swiggy in 2024 - Benefits on Swiggy

Here are the key benefits on Swiggy for some top credit cards :

Swiggy HDFC Bank Credit Card

• food ordering, Swiggy Instamart (Grocery delivery), Dineout (Dining out), and Genie (Other services offered by Swiggy).

Terms and conditions

Users can enjoy a cash back of up to Rs. 1,500 per billing cycle. This is an attractive offer for those who frequently use Swiggy for their food and grocery needs.

Exclusions for the 10% cashback: Exclusions include Swiggy Money Wallet, Swiggy Minis, Liquor, and other categories decided later.

• Welcome benefit: Get a free 3 month complimentary membership worth Rs. 1199 with the Swiggy HDFC Bank credit card. Enjoy free deliveries and extra discounts on food, Instamart, Dineout, and more.

Axis Bank Ace Credit Card

• Cashback earned on bill payments (Electricity, water, gas, LPG, and broadband), DTH and mobile recharges through Google Pay is 5%
• Cashback earned on Swiggy, Zomato, and Ola is 4%.
• Cashback on other eligible merchants is 1.5%

Upper Limit on Cashback:

The combined cashback earned on the 5% and 4% categories is capped at Rs. 500.

For example:

Suppose a customer spends Rs. 50,000 in a billing cycle with the following breakdown of

spends.

• Recharge and utility bill payments through Paytm: Rs. 8,000
• Swiggy, Zomato, and Ola: Rs. 15,000
• Other spends on eligible cash back categories is Rs. 27,000. Out of these other spends, Rs. 12,000 was on groceries.

So the total spends on which the cashback is applicable will be

Rs. 8,000 plus Rs. 15,000 plus Rs. 27,000 minus Rs. 12,000

Thus, the total spends on which the cashback will be applicable will only be

Rs. 8000 plus Rs. 15,000 plus Rs. 27,000 - Rs. 12,000

= Rs. 38000

The cashback for the billing cycle in the example given above is calculated as follows:

5% of Rs. 8000 = Rs. 400

4% of Rs. 15,000 = Rs. 600

1.5% of Rs. 27,000 = Rs. 405

Since the combined cashback on the categories of 4% and 5% has an upper limit of 500, the cashback credited for these categories is Rs. 500 and not Rs. 1,000

HDFC Diners Club Privilege Credit Card

• The card offers complimentary Swiggy One and Times Prime annual memberships as a welcome benefit. You get these on spending Rs. 75,000 within the first 90 days of issuing the card.
  • The cost of the Swiggy One membership ranges between Rs. 899 to Rs. 2999. You can save on online food delivery and dining using this membership.
• 5x rewards (20 points) per Rs. 150 spent on Swiggy and Zomato. The maximum reward points you can earn per month across both merchants is 2,500.
• The reward points can be redeemed against dining vouchers.
• Get up to 20% off on all your restaurant bill payments via Swiggy Dine Out.

• Get 40% off up to INR 120 on online food ordering at Swiggy

Terms and conditions:

• The maximum discount is capped at Rs. 120 per order.
• The discount is obtained on minimum spends of Rs. 500
• Customers can avail this offer up to 2 times a month
• This offer is applicable on all restaurant orders where alliance offers are applicable. Alliance offers include all third party offers including Bank/Wallet/Fintech partner offers.
• Offers are not valid on Haldirams restaurants across India.

Conclusion

After going through the best credit cards for Swiggy you must have made your choice. Every credit card has an inbuilt exclusive offer that will be available for a long period of time on Swiggy. You can cut off your expenses on food orders through these credit cards. Now, the ball is in your court and you will have to pick the best credit card for yourself.