QUESTION · FOOD DELIVERY · RATES AS OF 28 OCTOBER 2026
Do I get credit card rewards on Swiggy if I pay by UPI?
Not always. On Swiggy, PaisaSave YES, Cashback+ Kotak, PhonePe Ultimo and PhonePe SBI Black earn less, or nothing, when you pay through UPI (including a RuPay credit card on UPI). To get the full reward, pay with the card itself in the Swiggy checkout.
- PaisaSave YES: Earns less when paid through UPI; Up to ₹3,000 of 6% cashback a month, shared with travel; then 1%. Paid by UPI: no 6%, and 1% only above ₹2,000
- Cashback+ Kotak: Earns less when paid through UPI; Online orders only; 5% food, grocery and movie spends share one ₹750 limit each statement, then nothing; RuPay card paid by UPI earns 0.5%
- PhonePe Ultimo: By card or by UPI; not on gift cards, wallet top-ups or EMI; grocery orders (Fresh, Minutes, Instamart) may earn nothing
- PhonePe SBI Black: Earns nothing when paid through UPI; When paid online or in the app by card; UPI payments outside the PhonePe app earn nothing; at most 1,000 points (₹1,000) a month
Top cards on Swiggy
- 1
HSBC Live+no minimum order · up to ₹1,200 a month10% - 2
Swiggy BLCK HDFCorders of ₹249+ · up to ₹1,500 a month10% - 3
Swiggy HDFCorders of ₹249+ · up to ₹1,500 a month10% - 4PaisaSave YESno minimum order · up to ₹3,000 a month6%
- 5Cashback+ Kotakno minimum order · up to ₹750 a month5%
Rates as per each bank’s published terms (as of 28 October 2026) and can change. Pickkard isn’t a bank and isn’t paid by any bank.