Swiggy Credit Card

•Regular source of income re...StandardFood Delivery

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Highlights

Base Reward: 1.00% return (1 RP / ₹100)
Complimentary Swiggy One
Forex Markup: 3.50%

Welcome / Joining Benefit

No joining fee waiver. Welcome benefit: Complimentary 3-month Swiggy One Membership.

Points Expiry

Points never expire (Lifetime valid).

Joining Fee

₹500

+18% GST applicable

Annual Fee

₹500

+18% GST applicable

Renewal Fee

₹500

+18% GST applicable

Joining Fee Waiver

No joining fee waiver. Welcome benefit: Complimentary 3-month Swiggy One Membership.

Annual Fee Waiver

Spend Threshold₹2,00,000

PeriodPrevious anniversary year

Spend ₹2 Lakhs or more in the anniversary year to get renewal fee waived.

Basic Requirements

Minimum Age21 years

Maximum Age70 years

Eligible OccupationSalaried, Self-Employed

Additional Details

Regular source of income required.

Base Reward Rate

Points per Spend

1 RP

Per Every

₹100

Effective Return

Currency: Statement Credit Cashback — 1 point ≈ ₹1

Forex Markup: 3.50%

Accelerated & Special Rates

10% Cashback on Swiggy App spends (Food, Instamart, Dineout, Genie), capped at ₹1,500 per billing cycle.

10X

10% return

Cap: 1,500 pts / Monthly

5% Cashback on online shopping across eligible online merchants, capped at ₹1,500 per billing cycle.

5% return

Cap: 1,500 pts / Monthly

❌ No Points Earned On:

FuelRentWallet LoadJewelryEducationGovernmentEMICash AdvancesBalance Transfers

Complimentary Memberships

Swiggy OneComplimentary

Redemption Options

Cashback

Smart Redemption Tips

🏆 Best value: Cashback at ₹1/pt — maximize your returns here.

🪙 Reward currency: Cashback

Best Value

💰Cashback

Direct cashback credited to card account

₹1/pt