Best credit card for Swiggy
Ranked by net reward rate. Each pick lists the exact percentage you earn at Swiggy, plus any caps or fine print to watch.
The best card for Swiggy right now is the Axis ACE, earning 4% there. Plus 4% on Zomato and Ola, the best food/cab combo. Its annual fee is ₹499. The full ranking below orders 3 cards by net reward rate at Swiggy.
Which card earns the most at Swiggy?
Axis ACE
Axis Bank
Plus 4% on Zomato and Ola, the best food/cab combo.
HDFC Millennia
HDFC Bank
Capped at ₹1K/month total across partners.
Flipkart Axis Bank
Axis Bank
Includes Cleartrip, Uber, PVR, Cult.fit at the same rate.
FAQ
›Which credit card gives the highest reward at Swiggy?
Axis ACE pays 4% on Swiggy. Plus 4% on Zomato and Ola, the best food/cab combo.
›Are there any caps or limits I should know about?
Most cards cap their boosted-category cashback. The ranking below already accounts for caps in the per-merchant note. For uncapped earn at Swiggy, look for cards with "Unlimited" in the description.
›Should I get a new card just for one merchant?
Only if your annual spend at that merchant is high enough to clear the joining fee. As a rule of thumb: a 5% boost on ₹1,00,000 / $1,000 of annual spend = ₹5,000 / $50, which justifies most no-fee or sub-₹1,000 fee cards.