CardTrail

🍕

Best Credit Card for Swiggy in India (2026)

Quick answer:

Swiggy HDFC Bank Credit Card gives you up to 10% back on food ordering and delivery — the highest of any card we track. YES BANK POP-CLUB Credit Card is the best free alternative.

Updated April 2026·10 cards compared·No affiliate commissions

Top 10 Cards for Swiggy

1

Swiggy HDFC Bank Credit Card

HDFC

Up to 10% — directly optimised for swiggy

Reward rateUp to 10%
Annual fee₹500
Score8/10
Co-branded / Direct
2

Swiggy BLCK HDFC Bank Credit Card

HDFC

Up to 10% — directly optimised for swiggy

Reward rateUp to 10%
Annual fee₹1,000
Score7.4/10
Co-branded / Direct
3

Swiggy Ornge HDFC Bank Credit Card

HDFC

Up to 5% — directly optimised for swiggy

Reward rateUp to 5%
Annual fee₹500
Score7.2/10
Co-branded / Direct
4

HDFC Swiggy Credit Card

HDFC

Up to 10% on food delivery

Reward rateUp to 10%
Annual fee₹500
Score8.7/10
5

HDFC Diners Club Black

HDFC

Up to 33% on dining category

Reward rateUp to 33%
Annual fee₹10,000
Score9.1/10
6

HDFC Regalia

HDFC

Up to 13% on dining category

Reward rateUp to 13%
Annual fee₹2,500
Score8.3/10
7

Kotak Solitaire Credit Card

Kotak

Up to 10% on dining category

Reward rateUp to 10%
Annual fee₹25,000
Score8.8/10
8

HDFC Diners Club Privilege

HDFC

Up to 10% on dining category

Reward rateUp to 10%
Annual fee₹1,000
Score8.5/10
9

Axis Citi Rewards Credit Card

Axis (formerly Citi)

Up to 10% on online shopping category

Reward rateUp to 10%
Annual fee₹1,000
Score8.4/10
10

HSBC Cashback Credit Card

HSBC

Up to 10% on online shopping category

Reward rateUp to 10%
Annual fee₹999
Score8.2/10

How We Ranked These

We ranked all 239 credit cards in our database against Swiggy using three tiers of relevance:

  1. Direct match — cards specifically designed for or partnered with Swiggy (co-branded cards, direct accelerated rewards)
  2. Category match — cards that earn accelerated rewards on the spending category that Swiggy falls under
  3. Broad match — cards that earn elevated rewards on related or overlapping categories

Within each tier, cards are sorted by effective reward rate (highest first), then by CardTrail Score as a tiebreaker. Every number on this page comes from our database — nothing is fabricated.

Tips to Maximise Rewards on Swiggy

→

Swiggy transactions typically code under 'Online Shopping' or 'Food Delivery' MCC — not always 'Dining'

→

Some cards offer accelerated rewards only on the Swiggy app, not the website

→

Swiggy One membership stacks with credit card cashback for double savings

Free vs Paid: Is the Annual Fee Worth It?

Best Free Card

YES BANK POP-CLUB Credit Card

YES Bank · ₹0 annual fee

Up to 10% on food ordering and delivery

Score: 7.8/10

Best Overall

Swiggy HDFC Bank Credit Card

HDFC · ₹500 annual fee

Up to 10% on food ordering and delivery

Score: 8/10

Cards to Avoid for Swiggy

These are popular, well-rated cards that earn only their base reward rate on food ordering and delivery. If you carry one of these, use a different card for Swiggy purchases.

IDFC FIRST Diamond Reserve Credit Card

IDFC FIRST · Score: 9/10 — but only 0.5% on food ordering and delivery

American Express Platinum Charge Card

American Express · Score: 8.7/10 — but only 1.25% on food ordering and delivery

IndusInd Tiger Credit Card

IndusInd · Score: 8.7/10 — but only 1.2% on food ordering and delivery

IDFC FIRST Select Credit Card

IDFC FIRST · Score: 8.7/10 — but only 0.75% on food ordering and delivery

IDFC FIRST Wealth Credit Card

IDFC FIRST · Score: 8.7/10 — but only 0.75% on food ordering and delivery

These are great cards for other spending categories — just not for food ordering and delivery. Use the top-ranked card above instead.

Related: Best Cards for Similar Spending

Best for Zomato Best for BigBasket Best for Blinkit

Frequently Asked Questions

Which credit card gives the highest cashback on Swiggy?
Swiggy HDFC Bank Credit Card from HDFC gives up to 10% back on food ordering and delivery. It has a CardTrail Score of 8/10 with an annual fee of ₹500.
Is there a no-annual-fee credit card good for Swiggy?
Yes — YES BANK POP-CLUB Credit Card is a free card (₹0 annual fee) that earns up to 10% on food ordering and delivery. CardTrail Score: 7.8/10.
How do credit card rewards work on Swiggy?
Credit cards earn rewards based on the Merchant Category Code (MCC) of the transaction. Swiggy transactions are assigned an MCC by the payment network, and cards with accelerated rewards on that MCC earn higher cashback or points.
Which popular credit cards should I avoid using for Swiggy?
Cards like IDFC FIRST Diamond Reserve Credit Card, American Express Platinum Charge Card, IndusInd Tiger Credit Card have high overall scores but earn only their base rate (0.5% or less) on food ordering and delivery. Use a category-matched card instead.

Found this useful?

Get notified when card rules change, benefits get devalued, or new cards launch. One email, only when it matters.

Explore more

All Best CardsCard DirectoryCompare CardsCalculators