Route Swiggy and listed online-MCC spends first to maximize 5% buckets
Large exclusion list can reduce realized cashback versus headline percentages
Latest change: Added Swiggy Ornge variant with March 2026 issuer terms; marked partially-verified because welcome-benefit lines includ...
For Swiggy users who want lower-fee cashback coverage. 5% on online spend. ₹500 fee, waiver at ₹1,50,000 / 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.
Swiggy users who want lower-fee cashback coverage
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.
These are objective same-bank step-up options from the current rewards and lounge model.
Annual fee: ₹1000
Annual fee: ₹1000
Annual fee: ₹500
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Joining fee ₹500
Renewal fee waived on ₹1.5L annual spend
Online 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: • 5% cashback on Swiggy Food, Instamart and Dineout, capped at ₹1,500 per billing cycle. • 1% cashback on other eligible spends, capped at ₹1,000 per billing cycle. 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.