All merchants
Cards ranked for Swiggy
By effective returncashback · merchant-specific rule · excl. govt payments
10%
cap: ₹500/mo
Verifiedmiles · base rate fallback · excl. rent, fuel, utility, insurance, wallet load, education, govt payments
7%
cap: none
Verifiedcashback · merchant-specific rule · excl. rent, fuel, wallet load, tax, emi, govt
5%
cap: ₹1,000/mo
VerifiedHow rewards work at Swiggy
Swiggy is a food delivery platform in India. Card networks route most Swiggy purchases as MCC 5812, which is how reward rules decide whether a transaction qualifies. The Axis Bank MY Zone earns 24% on Swiggy specifically, the highest rate any Indian credit card offers at this merchant today.
What you would earn
Example calculationA ₹1,200 order at Swiggy
₹288 reward
Axis Bank MY Zone, 24% effective cashback. Once you cross ₹240 of reward this month, the rule stops paying.
Frequently asked
3 questionsWhich credit card earns the most rewards at Swiggy?
The Axis Bank MY Zone earns 24% effective return on Swiggy, the highest of the 8 cards Tapwise tracks at this merchant. Reward is capped at ₹240 per month.
What MCC code does Swiggy use?
Swiggy is routed by card networks as MCC 5812. Reward rules use the MCC to decide whether a transaction qualifies for a category-level reward.
How often does Tapwise update Swiggy reward data?
Reward rules are re-checked weekly against issuer documents. The "verified" badge on a card means the rule was hand-reviewed; "approximate" means our team is still finalising it and we use conservative defaults so users see at least as much reward as we promise.