QUICK COMMERCE · RATES CHECKED 22 OCT 2026
Best credit card for Swiggy Instamart
HSBC Live+, Swiggy BLCK HDFC and Swiggy HDFC earn the most on Swiggy Instamart: 10% back. Swiggy HDFC is closed to new applications.
★ Earns the most for you
HSBC Live+
₹420 a month
10% back · no minimum order · up to ₹1,200 a month
Bank isn’t taking new applicationsOn 6 Swiggy Instamart orders of ₹700 a month.
Every card, by what it’d earn you
- HSBC Live+10% back · no minimum order · up to ₹1,200 a month₹420a month
Swiggy BLCK HDFC10% back · orders of ₹249+ · up to ₹1,500 a month₹420a month
Swiggy HDFC10% back · orders of ₹249+ · up to ₹1,500 a monthNo new applications₹420a month
Cashback+ Kotak5% back · no minimum order · up to ₹750 a month₹210a month
Cashback SBI5% back · orders of ₹100+ · up to ₹2,000 a month₹210a month
PhonePe SBI Black5% back · orders of ₹100+ · up to ₹1,000 a month₹210a month
Swiggy Ornge HDFC5% back · orders of ₹249+ · up to ₹1,500 a month₹210a month
HDFC Diners Black3.33% back · no minimum order · up to ₹2,000 a month₹140a month
HDFC Infinia3.33% back · no minimum order · up to ₹2,000 a month₹140a month
BPCL Octane SBI2.5% back · no minimum order · up to ₹1,875 a month₹105a month
SBI Elite2.5% back · no minimum order · up to ₹2,500 a month₹105a month
SBI Prime2.5% back · no minimum order · up to ₹1,875 a month₹105a month
Smart StanChart2% back · no minimum order · up to ₹1,000 a month₹84a month
Ultimate StanChart2% back · no minimum order₹84a month
Scapia2% back · orders of ₹20+₹84a month
PhonePe SBI Purple2% back · orders of ₹100+ · up to ₹750 a month₹84a month
SBI SimplySAVE1.67% back · no minimum order · up to ₹1,250 a month₹70a month
Tata Neu Infinity1.5% back · no minimum order · up to ₹2,000 a month₹63a month
Axis ACE1.5% back · no minimum orderNo new applications₹63a month
SBI SimplyCLICK1.25% back · no minimum order · up to ₹2,500 a month₹52a month
HDFC Regalia Gold1.25% back · orders of ₹200+ · up to ₹1,000 a month₹52a month
Axis Magnus1.2% back · no minimum order₹50a month
Airtel Axis1% back · no minimum order₹42a month
Amazon Pay ICICI1% back · no minimum order₹42a month
HDFC Millennia1% back · no minimum order · up to ₹1,000 a month₹42a month
MakeMyTrip ICICI1% back · no minimum order₹42a month
PaisaSave YES1% back · no minimum order₹42a month
Tata Neu Plus1% back · no minimum order · up to ₹1,000 a month₹42a month
Eternal SBI1% back · orders of ₹100+ · up to ₹500 a month₹42a month
Flipkart Axis1% back · orders of ₹100+₹42a month
Flipkart SBI1% back · orders of ₹100+₹42a month
IRCTC SBI0.8% back · no minimum order₹34a month
Rewards Amex0.67% back · no minimum orderNo new applications₹28a month
IndianOil HDFC0.64% back · orders of ₹150+₹27a month
ICICI Coral0.5% back · no minimum order · up to ₹100 a month₹21a month
Reliance SBI Prime0.5% back · no minimum order₹21a month
SmartEarn Amex0.5% back · no minimum orderNo new applications₹21a month
Axis MY Zone0.4% back · no minimum order₹17a month
EazyDiner IndusInd0.4% back · no minimum order · up to ₹750 a month₹17a month
Tiger IndusInd0.4% back · no minimum order₹17a month
IDFC FIRST Millennia0.38% back · no minimum order₹16a month
IDFC FIRST Select0.38% back · no minimum order₹16a month
IDFC FIRST Wealth0.38% back · no minimum order₹16a month
Shoprite RBL0.25% back · no minimum order₹10a month
HDFC MoneyBack+0.2% back · orders of ₹200+ · up to ₹200 a month₹8a month
OneCard0.2% back · no minimum orderNo new applications₹8a month
Axis Neo0.1% back · no minimum order₹4a month
HDFC Freedom0.07% back · orders of ₹200+ · up to ₹2,250 a month₹3a month
Amounts count each card’s minimum order and monthly limit. Some limits are shared with the card’s other apps, so you may earn less if you also use it elsewhere. Points are valued the way the bank shows first.
Where these numbers come from
- HSBC Live+: Bank’s own terms: HSBC Live+ services guide: 10% cashback, checked 22 Oct 2026
- Swiggy BLCK HDFC: Bank’s own terms: Swiggy BLCK HDFC Bank Credit Card terms (HDFC Bank PDF 'Published on 15-10-2026', read 22 Oct 2026): the 10% row, cap and exclusions, checked 22 Oct 2026
- Swiggy HDFC: Bank’s own terms: Swiggy HDFC Bank Credit Card terms (published 13 April 2026): the 10% row and the ₹249 minimum, checked 22 Oct 2026
- Cashback+ Kotak: Bank’s own terms: Kotak Cashback+ Credit Card terms and conditions (PDF, file dated 27 March 2026), cashback table, annexure and terms, checked 22 Oct 2026
- Cashback SBI: Bank’s own terms: Cashback SBI Card: revised terms from 1 April 2026, checked 22 Oct 2026
- PhonePe SBI Black: Bank’s own terms: PhonePe SBI Card SELECT BLACK terms and conditions booklet, clause 12 (Rewards Program), points 1 and 2, checked 22 Oct 2026
- Swiggy Ornge HDFC: Bank’s own terms: Swiggy Ornge HDFC Bank Credit Card terms (published 15 Oct 2026), Table 1.1, section 2.2 and section 4.1, checked 22 Oct 2026
- HDFC Diners Black: Cardholder reports: HDFC Bank credit card MITC (updated 17 Oct 2026, version 4.15): the grocery cap, checked 21 Oct 2026
- HDFC Infinia: Cardholder reports: Infinia reward points terms (HDFC Bank PDF, newest clause 1 July 2026; read 22 Oct 2026): the grocery cap, checked 22 Oct 2026
- BPCL Octane SBI: Cardholder reports: BPCL SBI Card OCTANE terms and conditions, clause 11.4 a (points earned), checked 22 Oct 2026
Checked 22 Oct 2026. How we check rates.
Questions people ask
Which credit card gives the most rewards on Swiggy Instamart?
Three cards tie for the most on Swiggy Instamart at 10%: HSBC Live+ (10% back, up to ₹1,200 per statement cycle), Swiggy BLCK HDFC (10% back on orders of ₹249+, up to ₹1,500 per statement cycle) and Swiggy HDFC (10% back on orders of ₹249+, up to ₹1,500 per statement cycle). Swiggy HDFC is closed to new applications, so it only helps if you already have it.
Is there a Swiggy Instamart credit card, and is it the best for Swiggy Instamart?
Yes. Swiggy BLCK HDFC: 10% back; Swiggy HDFC: 10% back (closed to new applications); Swiggy Ornge HDFC: 5% back. Non-Swiggy Instamart cards can match or beat them: HSBC Live+ is also in the top three.
Do I get the same rewards on Swiggy Instamart if I pay by UPI?
Not always. Cashback+ Kotak and PhonePe SBI Black earn less when the payment goes through UPI (including a RuPay card on UPI). To get the rates above, pay with the card itself in the Swiggy Instamart checkout.
Is there a limit on rewards for Swiggy Instamart orders?
Yes, most cards cap the higher rate. HSBC Live+: Up to ₹1,200 per statement cycle (one limit shared with the card's other apps at this rate); Swiggy BLCK HDFC: Up to ₹1,500 per statement cycle; Swiggy HDFC: Up to ₹1,500 per statement cycle. Above the limit the card earns its lower base rate.
How up to date are these rates?
Each rate was checked against the bank’s own terms (or, where marked, cardholder reports) on 22 Oct 2026. Banks change their terms several times a year, so check the bank’s page before you apply. How we check rates.
Best card for other apps
Rewards are as per each bank’s published terms on the date shown and can change. Pickkard isn’t a bank and isn’t paid by any bank for these rankings. Always check the bank’s page before applying.