SimplifyCards take:A good fit if you want a card built for swiggy, food delivery, and online shopping, and you want your rewards as simple, no-tracking cashback
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Best for simple cashbackBest for
10% Cashback on swiggy app transactions (food delivery, instamart, dineout, genie), auto-credited with no points to manage
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Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for swiggy, food delivery, and online shopping, and you want your rewards as simple, no-tracking cashbackBottom line
It combines accelerated rewards on swiggy app transactions (food delivery, instamart, dineout, genie) and milestone rewards
Estimate your Cashback
Adjust your monthly spend to see the card's estimated annual value
How the card works
Cashback rates
| Category | Rate | Monthly cap |
|---|---|---|
| Swiggy App Transactions (Food Delivery, Instamart, Dineout, Genie) | 10% Cashback | 1,500 Cashback |
| Select Online Merchants (Amazon, Flipkart, Myntra, Nykaa, Ola, Uber, Etc.) | 5% Cashback | 1,500 Cashback |
| Other Eligible Retail Spends | 1% Cashback | 500 Cashback |
Redemption
Statement balanceupto ₹ 1 per point
Important conditions
1
Fee waiverRenewal fee waived on annual spends of ₹ 2 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- Complimentary 3-month Swiggy One membership worth ₹1,199 on card activation by completing at least 1 transaction of any amount within 30 days of card issuance
Additional benefits
- 4 complimentary rounds of green fees and 12 complimentary golf lessons per calendar year (Mastercard World benefit)
- 1% fuel surcharge waiver on transactions from ₹400 to ₹5,000, capped at ₹250 per statement cycle
Additional details
- Cashback is automatically adjusted against your credit card's outstanding statement balance in the subsequent billing cycle
- Minimum transaction of ₹100 required to earn cashback on eligible transactions
- Cashback is calculated and posted to your card account based on your billing cycle
Eligibility
Check this before you apply
Salaried
- Indian national
- Age 21 to 60 years
- Gross monthly income ₹15,000 or above
Self-employed
- Indian national
- Age 21 to 65 years
- Annual ITR ₹6 lakh or above
Exclusions
Spending that does not earn cashback
- Fuel transactions
- Rent payments
- Utility bill payments
- Insurance premium payments
- EMI transactions (including post-facto EMI conversions)
- Government-related transactions
- Jewellery purchases
- Wallet loads and prepaid card loads
- Cash advances / cash withdrawals
- Payment of outstanding balances
- Payment of card fees, interest, and charges
- Education payments
- Transactions made using Swiggy Money Wallet, Swiggy Liquor, and Swiggy Minis
Popular comparison guides
Crawlable side-by-side guides that include this card
Cashback Credit Card vs Swiggy Credit Card
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