Swiggy credit card, instamart unavailable

Deal Cadet

I am getting Swiggy credit card pre approved. I am HDFC customer. Even though this card is good, I am confused about this card. No doubt, this card is giving high cashback and after devaluation of so many credit cards, this is one of the best cashback card currently. I am confused because Swiggy instamart is not available in my city, Guwahati. The optimal use of this card is 10% cashback for grocery and redemption of cashback. Grocery spends are high recurring spends every month. Need helpful opinions.

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Deal Lieutenant Deal Lieutenant
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would suggest to not opt for this card, if instamart is not serviceable in your area, if your food spends are high, then you can consider it, else not useful card

Deal Cadet Deal Cadet
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I already have Airtel Axis card, I am getting 10% on big basket. I don't have faith in Axis bank after devaluation. Axis can make any card useless

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Deal Cadet Deal Cadet
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Why would anyone use this card?

Any card that is giving you 5% upfront cashback is way better then this one as Swiggy GVs are available at 6% off on Park+ and Magicpin.

Here is what I do:

I have Amex Platinum and MRCC, 7% reward rate on each transaction. Long story how but in short Per point value is .45/- .. DM me for Amex referral.

I get Amazon Vouchers at 1.3% cb from Reward Multiplier + 7% card cashback

then buy Swiggy GVs from Magicpin.. 

I end up at roughly 13% on Swiggy
Flame Flame
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I think using HDFC smartbuy and Millenia DC you can get more then 13% discount. 

10% on amazon gc + 6% Magicpin.
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Deal Cadet Deal Cadet
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Thanks Guys for the opinion, I will not take Swiggy card because instamart not available in my city.

Deal Cadet Deal Cadet
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Hello everyone, HDFC giving direct Statement cashback on Swiggy card. Some users even getting lifetime free

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