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Cards ranked for Swiggy Instamart
By effective returnmiles · base rate fallback · excl. rent, fuel, utility, insurance, wallet load, education, govt payments
7%
cap: none
VerifiedHow rewards work at Swiggy Instamart
Swiggy Instamart is a grocery platform in India. Card networks route most Swiggy Instamart purchases as MCC 5411, which is how reward rules decide whether a transaction qualifies. The HDFC Bank Swiggy Credit Card earns 10% on Swiggy Instamart specifically, the highest rate any Indian credit card offers at this merchant today.
What you would earn
Example calculationA ₹1,200 order at Swiggy Instamart
₹120 reward
HDFC Bank Swiggy Credit Card, 10% effective cashback. Once you cross ₹1,500 of reward this month, the rule stops paying.
Frequently asked
3 questionsWhich credit card earns the most rewards at Swiggy Instamart?
The HDFC Bank Swiggy Credit Card earns 10% effective return on Swiggy Instamart, the highest of the 8 cards Tapwise tracks at this merchant. Reward is capped at ₹1,500 per month.
What MCC code does Swiggy Instamart use?
Swiggy Instamart is routed by card networks as MCC 5411. Reward rules use the MCC to decide whether a transaction qualifies for a category-level reward.
How often does Tapwise update Swiggy Instamart 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.