Best Credit Cards for Swiggy
Last Updated : March 28, 2022, 7:08 p.m.
Ordering food online is more commodious than visiting a restaurant. So, people favor Swiggy for doing so because it has a lot of exciting deals and offers. Whether you are ordering lunch or dinner, you grab the best check-out figure in the end. But if you are willing to earn more discounts and cashbacks on Swiggy then you must have a look at the best credit cards for Swiggy. These credit cards have exclusive offers on Swiggy and you will enjoy discounts while ordering food online. There are multiple credit cards offered by different banks that have offers on food orders. You must explore all the cards that trim your food expenses on Swiggy.
Top Credit Cards for Swiggy Food Delivery
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.
| Credit Cards | Offers on Swiggy | Joining Fee |
|---|---|---|
| Axis Bank Ace Credit Card | Get a Cashback of 4% on ordering food from Swiggy. | INR 499 + Taxes |
| Airtel Axis Bank Credit Card | Enjoy 10% cashback on Swiggy through this card. | INR 500 + Taxes |
| HSBC Cashback Credit Card | - Earn a Swiggy e-voucher worth INR 250 as a welcome bonus. - Enjoy a discount of 20% on Swiggy with a maximum of INR 100 every month. - Enter the coupon code HSBC20 for the discount. | NIL |
| Axis My Zone Credit Card | - Get 40% off up to INR 120 on Swiggy through this credit card. - You can enjoy this offer 4 times a month. - Your minimum transaction amount should be INR 200 to enjoy the discount. | INR 500 + GST |
| Axis Neo Credit Card | - Enjoy a discount of 40% on the Swiggy Food Delivery App. - This discount is available twice a month. | INR 250 + Taxes |
How to Use Swiggy Offer?
Learn how to use your credit card Swiggy offer for ordering food.
Swiggy HDFC Bank Credit Card
There is a 10% cashback on Swiggy; it applies to food ordering, instamart, dineout and genie. It means that users of the Swiggy HDFC Bank Credit Card can earn a 10% cashback on various transactions made through the Swiggy app. This cashback applies to a range of services within the Swiggy app, including food ordering, Instamart (grocery delivery), Dineout (dining out), and Genie (other services offered by Swiggy). Users can enjoy this cashback benefit up to Rs. 1,500 per billing cycle, making it a lucrative offer for those who frequently use Swiggy for their food and grocery needs.
For your 10% back on Swiggy you should know the credit card specific exclusions and caps. The exclusions include Swiggy Money Wallet, Swiggy Liquor, Swiggy Minis, and any other category decided later. The capping of Rs. 1500 per billing cycle is applicable for 10% cashback categories with Swiggy HDFC Bank Credit Card
Axis Bank Ace Credit Card
There is a 4% back on your Ace credit card when you order food from Swiggy. However, here are a few things you should know about before you dive into the credit card offer:
- The cashback comes under a combined capping of utility bill payments
- Maximum cashback Rs. 500
Example:
Suppose a customer spends Rs. 50,000 in a billing cycle with the following breakdown of spends:
- Recharge & Utility Bill payment through Paytm: Rs. 8,000
- Swiggy, Zomato & Uber Eats: Rs. 15,000
- Other eligible cashback categories: Rs. 27,000. Out of these, Rs. 12,000 was spent on grocery purchases.
Thus, the total spends eligible for cashback would be:
Rs. 8,000 + Rs. 15,000 + Rs. 27,000 – Rs. 12,000 (grocery purchase) = Rs. 38,000
Now, let’s assume that the cashback percentages are as follows:
- 3% for Recharge & Utility Bill payment through Paytm
- 4% for Swiggy
- 2.5% for other eligible cashback categories
The cashback for this billing cycle would be calculated as follows:
- 3% of Rs. 8,000 = Rs. 240
- 4% of Rs. 15,000 = Rs. 500
- 2.5% of Rs. 15,000 = Rs. 375
Since the combined cashback earned on Swiggy is capped at Rs. 500, the cashback credited for the categories will be Rs. 500 and not Rs. 600.
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.