Category
Swiggy
Ordering on Swiggy, including Dineout. The Swiggy co-brands pay their best rate here and nowhere else.
No card in your wallet earns rewards on swiggy yet.
When you add a card that does, it will rank here automatically.
Best in market
The Swiggy co-brands pay double what anything else manages, and the newer one fixed the flaw in the older one by giving the food spend its own cap instead of sharing it. · Top-tier picks from the whole Indian market, researched 11 Aug 2026.
HDFC Bank Swiggy BLCK
10% on the Swiggy app with a cap that belongs to Swiggy alone
₹1,000 + GST
Same headline rate as the cheaper Swiggy card but structurally better, because the ₹1,500 a cycle ceiling is reserved for Swiggy spending rather than shared with the card's 5% online earning. In practice that means you actually reach the full 10%.
HDFC has not published a clean spend threshold for this card's fee waiver, so the ₹2,00,000 figure in circulation is not confirmed against its own terms.
HDFC Bank Swiggy
The same 10% for half the fee, if you can live with one shared cap
₹500 + GST, waived on ₹2L a year
At ₹500 it is the cheapest route to 10% on food delivery in the market, and the fee waiver at ₹2L is achievable.
The ₹1,500 a cycle cap is combined across every Swiggy app spend including Instamart and Dineout, so a heavy grocery month on Instamart eats the food delivery headroom.
Your wallet · Swiggy
What this category is actually worth
The same checks as the wallet page, narrowed to all 0 cards that earn on swiggy. Set a monthly figure for it in to put rupees on these.
Earnings here
What each card would return on swiggy at your spend. raw rates, before caps.
Every card in your wallet is excluded from swiggy. See the reasons in the table above.
Milestone progress
Milestones on these cards, against your total spend routed to one card.
None of the cards that earn here has a milestone.
Fee check: does each card pay for itself?
Value is still counted across your whole wallet, not just this category. a card earns its fee wherever it wins. Waivers are not assumed.
| Card | Fee | Value/yr | Verdict |
|---|
Where the market beats your wallet
Your best card against the top pick in Best in market, just above. The numbers only, since the pick itself is already on this page.
No market pick with a comparable rate for this category yet.