SimplifyCards take
A quick decision view before the full facts.
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.
Why it can work
It combines accelerated rewards on swiggy app transactions (food delivery, instamart, dineout, genie) and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 2 lakh of annual spend. Fuel, rent, and insurance don't earn rewards. Monthly reward caps apply on the top categories.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many cashback you earn and what they are worth.
How you earn it
| Category | Monthly spend | cashback/yr |
|---|---|---|
| Dining & food delivery | Rs 4,000 | 4,800 |
| Groceries | Rs 5,000 | 6,000 |
| Other spends | Rs 8,000 | 960 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for simple cashback
10% Cashback on swiggy app transactions (food delivery, instamart, dineout, genie), auto-credited with no points to manage.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you spend big on fuel, rent, and insurance
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| 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
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
Exclusions
Categories that earn no rewards on this card.
- 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
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- Complimentary 3-month Swiggy One membership worth Rs 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 Rs 400 to Rs 5,000, capped at Rs 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 Rs 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 Rs 15,000 or above
Self-employed
- Indian national
- Age 21 to 65 years
- Annual ITR Rs 6 lakh or above
Compare before you decide
Alternatives based on what you might want instead.
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