Route Swiggy spends first into the 10% bucket, then shift eligible online transactions into the 5% bucket
Large exclusion list can materially reduce realized cashback
Latest change: Added Swiggy BLCK variant with March 2026 published cashback grid, fee logic, onboarding rules and exclusions
For Heavy Swiggy users who can justify premium fee economics. 10% on dining spend. ₹1,000 fee, waiver at ₹2,00,000 / year. Skip it for lounge access.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Heavy Swiggy users who can justify premium fee economics
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
How to use the card well, and what to watch before applying.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Joining fee ₹1,000
Joining fee waiver on ₹75,000 spend in first 90 days; renewal fee waiver on ₹2L annual spend
Dining spend
Adjust your estimated monthly spend to see the personalized annual value after fees.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
No complimentary lounge visits are currently listed.
Card-level policy notes: • 10% cashback on Swiggy Food, Instamart and Dineout, capped at ₹1,500 per billing cycle. • 5% cashback on select online merchants/categories, capped at ₹1,500 per billing cycle. • 1% cashback on other eligible spends, capped at ₹1,000 per billing cycle. • No complimentary airport lounge programme is listed for this card in current terms. Verify latest spend criteria and guest access with issuer before travel.
Derived from card policy signals
Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.
Earn exclusions, fine-print benefits, and fee rows matter, but they should sit behind an extra click instead of competing with the main overview.
This card does not have publishable enrichment records in the current high-confidence snapshot.
This is the validation layer. Use it after the card already feels like a possible yes.