FOOD DELIVERY · RATES CHECKED 22 OCT 2026
Short answer
Three cards tie for the most on Swiggy 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 no longer issued to new customers, so it only helps if you already have it.
We compared what all 50 credit cards Pickkard tracks earn on Swiggy. 49 of them earn something here. The value shown is what the reward is worth when used the way the bank shows first; limits and minimum orders are from each bank’s terms.
| # | Card | Reward | On a ₹450 order | Min. order | Limit |
|---|---|---|---|---|---|
| 1 |  1. HSBC Live+HSBC India | 10% back | ₹45 | — | Up to ₹1,200 per statement cycle (one limit shared with the card's other apps at this rate) |
| 2 | 2. Swiggy BLCK HDFCHDFC Bank | 10% back | ₹45 | ₹249+ | Up to ₹1,500 per statement cycle |
| 3 |  3. Swiggy HDFCHDFC BankNo longer issued | 10% back | ₹45 | ₹249+ | Up to ₹1,500 per statement cycle |
| 4 | 4. PaisaSave YESYES BANK | 6% back | ₹27 | — | Up to ₹3,000 per calendar month (one limit shared with the card's other apps at this rate) |
| 5 | 5. Cashback+ KotakKotak Mahindra Bank | 5% back | ₹22 | — | Up to ₹750 per statement cycle (one limit shared with the card's other apps at this rate) |
| 6 |  6. HDFC MillenniaHDFC Bank | 5% as Reward Points | ₹22 | — | Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate) |
| 7 | 7. PhonePe UltimoHDFC Bank | 5% as Reward Points | ₹22 | — | Up to ₹500 per calendar month (one limit shared with the card's other apps at this rate) |
| 8 |  8. Cashback SBISBI Card | 5% back | ₹22 | ₹100+ | Up to ₹2,000 per statement cycle |
| 9 | 9. PhonePe SBI BlackSBI Card | 5% as Reward Points | ₹22 | ₹100+ | Up to ₹1,000 per calendar month |
| 10 | 10. Swiggy Ornge HDFCHDFC Bank | 5% back | ₹22 | ₹249+ | Up to ₹1,500 per statement cycle (one limit shared with the card's other apps at this rate) |
| 11 |  11. Flipkart AxisAxis Bank | 4% back | ₹18 | ₹100+ | No stated limit |
| 12 |  12. Axis ACEAxis BankNo longer issued | 4% back | ₹18 | — | Up to ₹500 per statement cycle (one limit shared with the card's other apps at this rate) |
10% back
Bank’s own terms: HSBC Live+ services guide: 10% cashback, checked 22 Oct 2026.
10% back · min. order ₹249+
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.
10% back · min. order ₹249+
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.
Three cards tie for the most on Swiggy 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 no longer issued to new customers, so it only helps if you already have it.
Yes. Swiggy BLCK HDFC: 10% back; Swiggy HDFC: 10% back (no longer issued); Swiggy Ornge HDFC: 5% back. Non-Swiggy cards can match or beat them: HSBC Live+ is also in the top three.
Not always. PaisaSave YES, Cashback+ Kotak, PhonePe Ultimo 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 checkout.
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.
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.
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.
