How to Earn Cashback on Every Order With the Swiggy Credit Card

In a world where food delivery is just a tap away, Swiggy has become a household name across India. Whether it’s a late-night craving, a lunch break meal, or a weekend feast, Swiggy delivers it all. But did you know you could be saving money every time you order? Enter the Swiggy Cashback Credit Card — a smart way to turn your takeout into tangible savings.

If you're someone who frequently orders food online or shops digitally, the Swiggy credit card isn’t just another card in your wallet — it’s your daily cashback companion. Let’s break down how to earn cashback on every order with the Swiggy Credit Card and why it might just be the best food-related financial hack right now.

What Is the Swiggy Cashback Credit Card?

The Swiggy Cashback Credit Card, launched in collaboration with HDFC Bank and Mastercard, is a co-branded credit card designed for digital-savvy, food-loving consumers. Its main hook? High cashback on Swiggy orders and a generous return on spending across various categories like dining, groceries, and even fuel.

This card is aimed squarely at Swiggy’s massive user base and gives cardholders automatic cashback benefits, all while simplifying how rewards are earned and used. The cashback gets credited as Swiggy Money, which you can use right within the app for future orders.

Key Benefits of the Swiggy Cashback Credit Card

Before we get into how to optimize cashback, let’s look at some core features:

• 10% cashback on Swiggy orders – This includes food delivery, Instamart, and Dineout.

• 5% cashback on online spends – Covering merchants like Amazon, Flipkart, Myntra, Nykaa, and more.

• 1% cashback on other offline purchases

• Welcome benefit – ₹500 Swiggy Money on card activation.

• No joining fee – Free for the first year.

All cashback earned gets credited directly to your Swiggy Money wallet, ready to be spent on your next order. It’s instant, effortless, and rewarding.

How to Earn Cashback on Every Swiggy Order

So, how can you earn cashback on every order with the Swiggy Credit Card? Follow these tips to maximize your returns every time you tap "Order Now":

1. Use the Card Exclusively for Swiggy Orders

The most straightforward way to benefit is to always use the Swiggy Cashback Credit Card for your food and grocery purchases on the app. With 10% cashback across all Swiggy services, it doesn’t make sense to pay with any other card when ordering via:

• Swiggy Food Delivery

• Swiggy Instamart (groceries, personal care, snacks)

• Swiggy Dineout (dining reservations and payments)

If you’re spending ₹2,000/month on Swiggy, that’s ₹200 back in Swiggy Money—essentially a free meal every month!

2. Look for Stacked Offers

Swiggy often runs additional card offers, like flat ₹100 off or special discounts during festivals and sales. These can usually be combined with your credit card cashback, effectively “stacking” two offers.

Here’s an example:

• You get 10% cashback via the Swiggy Cashback Credit Card

• Swiggy offers ₹100 off on orders above ₹499 with a promo code

• Use both — and enjoy deep savings

Always check the offers tab on Swiggy or the HDFC credit card deals page to stay in the loop.

3. Use Swiggy Dineout for Maximum Offline Rewards

Want to earn cashback when you eat out instead of ordering in? Use your Swiggy Cashback Credit Card to pay via Swiggy Dineout. You’ll still get 10% cashback at select restaurants, turning dine-ins into savings too.

Whether you’re paying the bill solo or for a group, the more you spend, the more you get back. Don’t forget, the cashback lands as Swiggy Money—which you can use on your next delivery.

4. Set Up the Card for Online Essentials Too

Although it’s a Swiggy-branded card, the benefits go far beyond food. For non-Swiggy purchases, you still earn 5% cashback on online merchants like:

• Amazon

• Flipkart

• Myntra

• Nykaa

• BigBasket

This is where the card really shines. By using one card for both food and online shopping, you’re passively earning cashback without tracking complicated points or reward conversions.

5. Pay Utility Bills & Recharges for Additional 1% Cashback

Even your electricity bills, mobile recharges, and fuel expenses can help you earn money back. While it’s a lower rate at 1%, every bit counts. For essential monthly bills, this adds up quickly over time.

Who Should Get the Swiggy Cashback Credit Card?

If you fall into any of these categories, this card could be ideal:

• You order from Swiggy 4–5 times a month or more

• You use Instamart regularly for groceries or snacks

• You dine out often and can use Swiggy Dineout

• You do most of your shopping online

• You prefer simple cashback over complex reward systems

Essentially, if Swiggy is a staple in your lifestyle, the Swiggy Cashback Credit Card aligns with your spending habits—and gives you a little something back each time.

Final Thoughts

Food delivery may be a convenience, but with the Swiggy Cashback Credit Card, it becomes a smart financial move too. Earning cashback on every Swiggy order not only helps you save money but also builds a loop of rewards that fuels your next meal or grocery purchase.

With benefits that extend across dining, shopping, and daily expenses, this card is more than just a foodie’s delight—it’s a savvy spender’s secret weapon.