Online food delivery has become an essential part of our lives, and Swiggy leads the way with its extensive restaurant options, seamless user experience, and attractive discounts. One of the best ways to save even more on Swiggy is by using credit cards that offer cashback and discounts on your orders. In this article, we will explore the top cashback offers available on Swiggy when using credit cards and how you can make the most of them.
Why Use Credit Cards for Swiggy Orders?
Using credit cards on Swiggy has multiple benefits beyond convenience. Here are some reasons why credit card users should take note of these offers:
Cashback Rewards
Many credit cards provide a percentage of your spending back as cashback. When used strategically, this can significantly reduce your overall expenses on Swiggy orders.
Example:
- A 10% cashback on a ₹1000 order equals ₹100 saved instantly.
Additional Perks
Apart from cashback, credit cards often offer benefits like:
- Reward points that can be redeemed for future purchases.
- Dining-specific discounts on partner restaurants.
- Exclusive deals for cardholders.
Enhanced Budget Management
Tracking expenses on a credit card is easier, especially when combined with the savings you earn through cashback offers. Plus, many credit cards offer statement breakdowns, making it simple to analyze your food delivery spending.
Now, let’s look at some of the best credit cards offering cashback deals on Swiggy orders.
Top Credit Cards for Swiggy Cashback Offers
1. HDFC Bank Credit Cards
HDFC Bank offers some of the best cashback deals for Swiggy users, particularly through cards like the HDFC Millennia Credit Card and HDFC Diners Club cards.
Key Benefits:
- Millennia Credit Card: 5% cashback on online transactions, including Swiggy orders.
- Diners Club Credit Card: Up to 10X reward points on dining-related spends, redeemable for Swiggy vouchers.
Additional Perks:
- Exclusive partnerships with Swiggy during festivals.
- Monthly cashback limits to maximize savings.
How to Use:
- Link your HDFC credit card to your Swiggy account.
- Check for active offers directly on the Swiggy app.
2. ICICI Bank Amazon Pay Credit Card
The ICICI Amazon Pay Credit Card is ideal for Swiggy users who also frequently shop online.
Key Benefits:
- 5% cashback for Amazon Prime members and 3% for non-members on Swiggy orders.
- Cashback credited directly to your Amazon Pay wallet.
Additional Perks:
- No joining or annual fees.
- Seamless integration with the Amazon Pay wallet for easy tracking.
How to Use:
- Pay for your Swiggy orders using the Amazon Pay option linked to your ICICI card.
- Watch for Amazon Pay-specific promotions on Swiggy.
3. SBI SimplySAVE Credit Card
State Bank of India (SBI) offers the SimplySAVE Credit Card, which caters to dining and food delivery enthusiasts.
Key Benefits:
- 10X reward points on dining, including Swiggy orders.
- Redeemable reward points for cashback or gift vouchers.
Additional Perks:
- Annual fee waiver upon reaching spending milestones.
- Discounts on partner restaurants listed on Swiggy.
How to Use:
- Check for applicable reward multipliers when using this card on Swiggy.
- Redeem points regularly to maximize savings.
4. Axis Bank ACE Credit Card
Axis Bank’s ACE Credit Card is a cashback powerhouse, making it perfect for regular Swiggy users.
Key Benefits:
- Flat 5% cashback on Swiggy orders.
- No upper limit on cashback earnings.
Additional Perks:
- Cashback credited directly to your credit card statement.
- High cashback rates extend to other utility payments and OTT subscriptions.
How to Use:
- Ensure your Axis Bank ACE card is linked to Swiggy.
- Use promo codes provided by Axis Bank for additional discounts.
5. Kotak Mahindra Feast Gold Credit Card
The Kotak Mahindra Feast Gold Credit Card is designed for dining and food delivery savings.
Key Benefits:
- Up to 10% cashback on dining spends, including Swiggy orders.
- Monthly cashback cap ensures steady savings for regular users.
Additional Perks:
- Discount vouchers for partner restaurants on Swiggy.
- Milestone-based rewards for heavy spenders.
How to Use:
- Link your Kotak card to Swiggy and activate dining-related cashback offers.
Comparing the Cashback Offers
Here’s a quick comparison of the top cashback offers on Swiggy using credit cards:
| Credit Card | Cashback Percentage | Additional Perks | Annual Fee |
|---|---|---|---|
| HDFC Millennia Card | 5% | 10X reward points on dining spends | ₹1,000 |
| ICICI Amazon Pay Card | 3%-5% | Amazon Pay wallet integration | No annual fee |
| SBI SimplySAVE Card | 10X points | Dining-specific rewards | ₹499 |
| Axis Bank ACE Card | 5% | Unlimited cashback on various categories | ₹499 |
| Kotak Feast Gold Card | 10% | Partner restaurant vouchers and milestone rewards | ₹499 |
How to Maximize Cashback on Swiggy Orders
1. Choose the Right Card
Select a credit card that aligns with your spending habits. If you order food frequently, opt for cards with high cashback rates or reward multipliers on dining spends.
2. Look for Partner-Specific Promotions
Swiggy frequently collaborates with banks to roll out exclusive deals. Watch for:
- Promo codes specific to your credit card provider.
- Time-limited cashback boosts during festivals or special occasions.
3. Combine Offers
Maximize savings by stacking credit card cashback with Swiggy’s in-app discounts or wallet offers. For example:
- Use a promo code for a 20% discount and pay with a card offering 5% cashback.
4. Monitor Cashback Crediting
Ensure that cashback is credited as promised. Most banks transfer cashback within the billing cycle or as per offer terms.
5. Use Membership Benefits
Swiggy’s membership program, Swiggy One, offers free delivery and additional discounts. Combine this with your credit card offers for double savings.
Frequently Asked Questions (FAQs)
Q1: Are there any exclusions for credit card cashback on Swiggy?
Some offers may exclude specific restaurants or have minimum order values. Always read the terms and conditions of the cashback offer.
Q2: Can I use multiple credit cards for one Swiggy order?
No, Swiggy allows only one payment method per order. However, you can alternate between cards for different orders to maximize savings.
Q3: How often are cashback offers updated?
Most banks update their cashback promotions monthly or quarterly. Check your bank’s website or app for the latest deals.
Q4: Do I need to activate cashback offers?
Some offers require activation through your bank’s app or website. Ensure you opt in before making a purchase.
Q5: Is cashback credited instantly?
Cashback is usually credited within a few days or in the next billing cycle. Refer to your bank’s cashback policy for exact timelines.
Conclusion
Using credit cards for Swiggy orders is a smart way to save money while enjoying your favorite meals. Cards from HDFC, ICICI, Axis, SBI, and Kotak offer attractive cashback deals, reward points, and exclusive discounts tailored for food delivery. By choosing the right card, combining offers, and staying updated on promotions, you can maximize your savings on every order. So, the next time you’re about to place a Swiggy order, don’t forget to leverage your credit card benefits for the best dining experience!