The best card for Swiggy is the Swiggy HDFC Bank Credit Card (10% Cashback on Swiggy Applications) from HDFC Bank — the co-branded card built for Swiggy. Right now, Au Bank also has a strong Swiggy offer: Get 6% off on food orders.
Cards ranked by what they earn at Swiggy, co-branded cards first. Below: the bank offers running right now and each bank's 12-month track record.
Updated 7 Nov 2026, 8:23 am IST · refreshes every 48 hours
Co-branded Swiggy cards come first, then every card we track by what it earns at Swiggy: a rate for Swiggy itself, else its online-spends rate, else its base rate.
| # | Card | Earns at Swiggy | On ₹10,000 a month | Annual fee |
|---|---|---|---|---|
| 1 |
Swiggy HDFC Bank Credit Card
Co-branded Swiggy card
|
10%
10% Cashback on Swiggy Applications
|
₹12,000 a year | ₹500 |
| 2 |
Airtel Axis Bank Visa Credit Card
Earns extra at Swiggy
|
10%
10% Cashback on Swiggy App
|
₹6,000 a year | ₹500 |
| 3 |
HDFC Bank Diners Club Privilege Credit Card
Earns extra at Swiggy
|
6.67%
5X Reward Points on spends at Swiggy
|
₹8,000 a year | ₹1,000 |
| 4 |
Kotak Myntra RuPay Credit Card
Earns extra at Swiggy
|
5%
Cashback of 5% on Spends at Swiggy
|
₹6,000 a year | ₹500 |
| 5 |
HDFC Bank Millennia Credit Card Visa
Earns extra at Swiggy
|
5%
5% Cashback on Swiggy
|
₹6,000 a year | ₹1,000 |
| 6 |
SBI Card Visa Cashback Credit Card
Online spends rate
|
5%
5% Cashback on Online Spends
|
₹6,000 a year | ₹999 |
| 7 |
Axis Bank Ace Visa Signature Credit Card
Earns extra at Swiggy
|
4%
4% Cashback on Swiggy
|
₹4,800 a year | ₹499 |
| 8 |
Flipkart Axis Bank Credit Card
Earns extra at Swiggy
|
4%
4% Cashback on Swiggy
|
₹4,800 a year | ₹500 |
| 9 |
HDFC Bank MoneyBack+ Credit Card
Earns extra at Swiggy
|
3.33%
10X CashPoints on Swiggy
|
₹4,000 a year | ₹500 |
| 10 |
HDFC Bank Diners Club Black Credit Card
Base rate
|
3.33%
5 reward points For Every ₹150
|
₹4,000 a year | ₹10,000 |
Rates from each card's issuer benefit data. Yearly figures are ₹10,000 a month at Swiggy × the rate, with each card's stated monthly cap applied, before exclusions; reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal). Bank offers below can add to these.
| Bank or network | Swiggy deal right now | Active offers | Best deal, past year | Months with offers, past year |
|---|---|---|---|---|
| Au Bank | Get 6% off on food orders | 1 | Up to 25% off · save up to ₹2,500 | 12 of 12 |
| Visa (all Visa cards) | 10% Discount on Swiggy Instamart | 1 | Up to 25.1% off · save up to ₹120 | 7 of 12 |
| Bank Of Baroda | Flat Rs.75 discount on Swiggy Instamart | 2 | Up to 20% off · save up to ₹120 | 6 of 12 |
| Federal Bank | 1.5% off on Swiggy Instamart | 1 | Up to 10% off · save up to ₹150 | 12 of 12 |
| Yes Bank | Flat 5% discount on Swiggy Food | 1 | Up to 10% off · save up to ₹125 | 7 of 12 |
Banks and card networks with live Swiggy offers first, then by 12-month track record. Data refreshed 7 Nov 2026. Offers change often; confirm on the issuer or merchant site.
Banks ranked on their own Swiggy offers, with their cards on CardChat. Banks with an active deal come first; card network offers are listed after the banks.
How we rank: banks are ranked on their own Swiggy offers: banks with an Active deal tag right now come first, then order follows each bank's 12-month track record score (see chart below). The orange bar under each bank shows its score relative to the strongest bank here — it isn't a discount percentage. Offers from a card network (Visa, Mastercard, RuPay) apply to any bank's card on that network, so they're listed separately below rather than counted for each bank. Cards listed under each bank are that bank's cards on CardChat, not individually scored.
These apply to a card from any bank on that network.
Banks and networks running Swiggy campaigns at the time of the last data refresh.
How consistently each bank and network has run Swiggy campaigns over the past year — including expired offers. A longer bar means stronger historical coverage.
Bars are scaled relative to the strongest issuer here, not to a fixed percentage — a bar at half the width of the top one means roughly half its track-record score, not half the discount. The number next to each bar reads as, for example, "best 15% · 8 mo": the largest single discount that issuer has offered on Swiggy in the last 12 months, and the number of those 12 months in which it ran at least one active campaign.