Saifu
Saifu
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Best credit card for Swiggy

Reviewed by Chandan Kumar Dash · Card terms as of 6 October 2026

Quick answer. For ₹5,000 a month on Swiggy, Swiggy HDFC returns about ₹6,000 a year, or ₹5,500 after its ₹500 annual fee. With no annual fee, Fibe Axis Bank returns ₹1,800 a year.

Most back at ₹5,000 a monthSwiggy HDFC₹5,500 a year after the fee
Most back at ₹15,000 a monthSwiggy HDFC₹17,500 a year after the fee
Best with no annual feeFibe Axis Bank₹1,800 a year

Pick your monthly Swiggy spend

₹5,000 a month on Swiggy
#CardRewards a yearAnnual feeNet a yearLink
1Swiggy HDFCHDFC Bank₹6,000₹500₹5,500Apply
2HSBC Live+HSBC India₹6,000₹999₹5,001Apply
3Swiggy BLCK HDFC BankHDFC Bank₹6,000₹1,000₹5,000Apply
4HSBC RuPay CashbackHSBC India₹4,800₹499₹4,301Apply
5Swiggy Ornge HDFC BankHDFC Bank₹3,000₹500₹2,500Apply
6Kotak Cashback+Kotak Mahindra Bank₹3,000₹750₹2,250Apply
7Kotak Cashback+ PrimeKotak Mahindra Bank₹3,000₹750₹2,250Bank page
8PhonePe HDFC Bank UltimoHDFC Bank₹3,000₹999₹2,001Apply
9JalsaRBL Bank₹3,000₹999₹2,001Bank page
10Axis Bank CashbackAxis Bank₹3,000₹1,000₹2,000Apply

Rewards a year: what the card pays back on Swiggy alone, counting monthly caps. Net: rewards minus the annual fee. Many fees are waived once your total yearly spend on the card crosses the bank's limit; see each card's page.

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Questions

Which credit card gives the most back on Swiggy?

At ₹5,000 a month, Swiggy HDFC gives the most after its annual fee: about ₹5,500 a year. The answer changes with how much you spend, because most cards cap their extra rewards each month.

Is there a lifetime free card for Swiggy?

Fibe Axis Bank charges no annual fee and returns about ₹1,800 a year on ₹5,000 a month of Swiggy spends.

How does Saifu work these figures out?

Each card's reward rules, caps and exclusions from its bank's terms are run on three months of Swiggy spends at each amount, then scaled to a year. Only Swiggy spends count towards the caps here; if your other spends share the same cap, you get less.

See also: best cards by type, find a card for all your spends, compare two cards.

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