8 cards compared · rates checked against each bank's terms on 16 October 2026
Reviewed by Vineet Verma, Lead Financial Researcher & Credit Card Analyst
For ₹5,000 a month on Swiggy, HSBC Live+ Credit Card and Swiggy BLCK HDFC Bank Credit Card both return ₹500 a month, about ₹5,000 a year after the annual fee. At ₹15,000 a month, Swiggy BLCK HDFC Bank Credit Card leads with ₹1,500 a month, ₹17,000 a year after its fee. Rates checked against each bank's terms on 16 October 2026.
Best at ₹5,000 a month
₹5,001 a year
on ₹5,000 a month, after the annual fee
10% on Swiggy, up to ₹1,200 a month, shared with other spends.
Best if you spend ₹15,000 a month
₹17,000 a year
on ₹15,000 a month, after the annual fee
10% up to ₹1,500 a billing cycle, a cap you reach at ₹15,000 of spend.
Needs ₹1,00,000 a month in income.
Best with a fee of ₹500 or less
₹2,500 a year
on ₹5,000 a month, after the annual fee
5% on Swiggy for a ₹500 annual fee.
Set what you spend on Swiggy each month. The ranking updates as you go.
10% · cap ₹1,500 a billing cycle · ₹500 a month · ₹1,000 fee
5% · cap ₹1,500 a billing cycle · ₹250 a month · ₹500 fee
Yearly figures are cashback minus the annual fee, assuming Swiggy is the only spend counting towards each card's cap. Most of these cards waive the fee once your total yearly spend crosses the bank's threshold.
At ₹5,000 a month on Swiggy.
| Card | Rate | Cap | Cap reached at | A month | Annual fee | A year after fee |
|---|---|---|---|---|---|---|
| HSBC Live+ Credit Card | 10% | ₹1,200 a month | ₹12,000 a month | ₹500 | ₹999 | ₹5,001 |
| Swiggy BLCK HDFC Bank Credit Card | 10% | ₹1,500 a billing cycle | ₹15,000 a month | ₹500 | ₹1,000 | ₹5,000 |
| Swiggy Ornge HDFC Bank Credit Card | 5% | ₹1,500 a billing cycle | ₹30,000 a month | ₹250 | ₹500 | ₹2,500 |
| Kotak Cashback+ Credit Card | 5% | ₹750 a billing cycle | ₹15,000 a month | ₹250 | ₹750 | ₹2,250 |
| CASHBACK SBI Card | 5% | ₹2,000 a billing cycle | ₹40,000 a month | ₹250 | ₹999 | ₹2,001 |
| HDFC Millennia Credit Card | 5% | ₹1,000 a billing cycle | ₹20,000 a month | ₹250 | ₹1,000 | ₹2,000 |
| ACE Credit Card | 4% | ₹500 a billing cycle | ₹12,500 a month | ₹200 | ₹499 | ₹1,901 |
| Flipkart Axis Bank Credit Card | 4% | No cap | — | ₹200 | ₹500 | ₹1,900 |
What the best card pays at three common Swiggy budgets, after its annual fee.
₹2,000 a month on Swiggy
HSBC Live+ Credit Card
₹1,401 a year
₹200 a month in cashback, minus its ₹999 fee. Next best: Swiggy BLCK HDFC Bank Credit Card at ₹1,400.
₹5,000 a month on Swiggy
HSBC Live+ Credit Card
₹5,001 a year
₹500 a month in cashback, minus its ₹999 fee. Next best: Swiggy BLCK HDFC Bank Credit Card at ₹5,000.
₹15,000 a month on Swiggy
Swiggy BLCK HDFC Bank Credit Card
₹17,000 a year
₹1,500 a month in cashback, minus its ₹1,000 fee. Next best: HSBC Live+ Credit Card at ₹13,401.
The fine print from each bank, in plain words.
We include only cards whose Swiggy rate, cap and conditions we've checked against the bank's card page or terms. We apply each rate to your spend, stop at the cap, and count nothing after it unless the bank says otherwise. Cards are ordered by cashback a year minus the annual fee. Limited-time coupons are left out.
Swiggy BLCK HDFC Bank Credit Card (10%, up to ₹1,500 a billing cycle) and HSBC Live+ Credit Card (10%, up to ₹1,200 a month) pay the highest rate on Swiggy. For ₹5,000 a month on Swiggy, HSBC Live+ Credit Card and Swiggy BLCK HDFC Bank Credit Card both return ₹500 a month, about ₹5,000 a year after the annual fee. At ₹15,000 a month, Swiggy BLCK HDFC Bank Credit Card leads with ₹1,500 a month, ₹17,000 a year after its fee.
ACE Credit Card has the lowest fee here, ₹499 a year, and pays 4% on Swiggy, up to ₹500 a billing cycle. At ₹5,000 a month that is ₹1,901 a year after the fee.
On Swiggy BLCK HDFC Bank Credit Card and Swiggy Ornge HDFC Bank Credit Card, yes: the bank's terms cover swiggy food orders, instamart and dineout. On the other cards, Instamart is usually treated as grocery or online spend, so check each card's terms.
Its ₹999 annual fee is covered once you spend about ₹900 a month on Swiggy at 10%, and the fee is waived if your total spend reaches ₹2,00,000 a year. At ₹5,000 a month it returns ₹5,001 a year after the fee.
Of the cards here, Swiggy Ornge HDFC Bank Credit Card has the lowest stated income requirement, ₹20,000 a month, and pays 5% on Swiggy, up to ₹1,500 a billing cycle.
HSBC Live+ Credit Card at about ₹12,000 a month; Swiggy BLCK HDFC Bank Credit Card at about ₹15,000 a month; Swiggy Ornge HDFC Bank Credit Card at about ₹30,000 a month; Kotak Cashback+ Credit Card at about ₹15,000 a month; CASHBACK SBI Card at about ₹40,000 a month; HDFC Millennia Credit Card at about ₹20,000 a month; ACE Credit Card at about ₹12,500 a month. Beyond that, these cards pay nothing extra on Swiggy unless noted on the page.
HDFC Millennia Credit Card's ₹1,000 cap is shared with Amazon, Flipkart, Myntra, Zomato, Uber and five other merchants. Swiggy Ornge HDFC Bank Credit Card's ₹1,500 cap is shared with select online merchants such as Amazon, Flipkart and Myntra. HSBC Live+ Credit Card's ₹1,200 cap is shared with dining, groceries, shopping and utility bills. Kotak Cashback+ Credit Card's ₹750 cap is shared with online groceries, online entertainment and fuel. CASHBACK SBI Card's ₹2,000 cap is shared with all other online spends. ACE Credit Card's ₹500 cap is shared with Zomato, Ola and bill payments through Google Pay.
