HDFC Bank UPI RuPay Credit Card on Swiggy Instamart

Yes. The HDFC Bank UPI RuPay Credit Card gives 0.75% back when you pay on Swiggy Instamart directly, compared with 0.25% on its other spends.

On Swiggy Instamart

0.75%

Other spends

0.25%

Rank for Swiggy Instamart

#99 of 149

Annual fee

₹99 + GST

What to know before you pay on Swiggy Instamart

Cap on Swiggy Instamart

Max ₹125 a month (500 CashPoints per category)

How it works

'3% CashPoints' is 3 CashPoints per ₹100 at ₹0.25 each, so 0.75% real value on groceries and dining, 0.5% on bills and 0.25% elsewhere. Works on UPI too.

Caps & rules

3 CashPoints per ₹100 on groceries, supermarkets, dining and PayZapp; 2 per ₹100 on utilities; 1 per ₹100 on other spends; each tier capped at 500 CashPoints a calendar month.
Applies to UPI and card spends.
1 CashPoint = ₹0.25 against the statement (min ₹500).

Reward limits

3 CashPoints per ₹100 on groceries, dining, supermarkets and PayZapp: max 500 CashPoints per calendar month
2 CashPoints per ₹100 on utilities: max 500 CashPoints per calendar month
1 CashPoint per ₹100 on other spends: max 500 CashPoints per calendar month

No rewards on

Rent, wallet loads, EMI, fuel, insurance, government

Checked 2026-10-11 · Bank terms

Apply now Full review Compare all cards for Swiggy Instamart

Cards that earn more on Swiggy Instamart

#1
Swiggy HDFC Credit Card
HDFC Bank · ₹500 + Taxes · Max ₹1,500 per statement cycle

10%
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#2
HSBC Live+ Credit Card
HSBC Bank · Free · Max ₹1,200 a month

10%
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#3
HSBC RuPay Cashback Credit Card
HSBC Bank · 1st Year Fee: ₹499* Plus Applicable Taxes · Max ₹400 a month

10%
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Where else the HDFC Bank UPI RuPay Credit Card earns more

BigBasket 0.75% Blinkit 0.75% JioMart 0.75% Swiggy 0.75% Zepto 0.75% Zomato 0.75% Airtel 0.5% Jio 0.5%

Questions

Does the HDFC Bank UPI RuPay Credit Card give rewards on Swiggy Instamart?

Yes. The HDFC Bank UPI RuPay Credit Card gives 0.75% back when you pay on Swiggy Instamart directly, compared with 0.25% on its other spends.

Is there a limit on HDFC Bank UPI RuPay Credit Card rewards?

3 CashPoints per ₹100 on groceries, supermarkets, dining and PayZapp; 2 per ₹100 on utilities; 1 per ₹100 on other spends; each tier capped at 500 CashPoints a calendar month. Applies to UPI and card spends. 1 CashPoint = ₹0.25 against the statement (min ₹500).

Which credit card is best for Swiggy Instamart?

Swiggy HDFC Credit Card gives the most on Swiggy Instamart, 10% back. The HDFC Bank UPI RuPay Credit Card ranks #99 of 149 cards we compared.