Au Swiggy Credit Card
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Community Consensus
Consensus Note: Au Swiggy Credit Card issued by AU Small Finance Bank remains a flagship choice for Existing cardholders who order on Swiggy and want online spend rewards. Verified user discussions highlight strong yields on spending thresholds.
At-A-Glance Quick Facts
AI Verdict CredSutra Engine
Synthesized objective algorithmic score
The Au Swiggy Credit Card issued by AU Small Finance Bank offers competitive value for Existing cardholders who order on Swiggy and want online spend rewards. Audit your monthly spending against its ₹500 + GST fee structure.
Key Trade-offs & Considerations
- ⚡ Annual fee of ₹500 + GST
- ⚡ Lounge access policy: None
- ⚡ Reward rate: 1.5% reward points on online spends | 1% on travel | Base reward points on other spends
Key Benefits & Characteristics
Category Rewards Multiplier Matrix
| Spend Category | Earning Multiplier / Return Rate |
|---|---|
| flight Travel & Flights | 2% to 5% points |
| shopping_cart Online Shopping & SaaS | 1% to 5% cashback |
| storefront Offline Retail Stores | 1% reward points |
| account_balance Government & Tax Pay | 0.5% (Caps apply) |
| house Rent & Wallet Loads | Excluded / 1% surcharge |
receipt_long Fee & Surcharge Breakdown
Detailed Analysis & Review
AU Swiggy Credit Card Review
[!CAUTION] Discontinued Card: The AU Swiggy Credit Card is no longer accepting new applications as of mid-2026. It has been removed from AU Bank’s official product listing. This review is for existing cardholders. If you’re looking for a Swiggy co-branded card, the Swiggy HDFC Bank Credit Card is the primary alternative (though that too has paused new applications — now replaced by Swiggy HDFC BLCK and ORNGE variants).
At a Glance
| Annual Fee | ₹500 + GST |
| Welcome Benefit | Complimentary Swiggy One membership |
| Online Spends | 1.5% reward points value |
| Travel Spends | 1% reward points value |
| Lounge Access | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400–₹4,000 |
| Foreign Exchange Markup | 3.5% |
Pros
- 1.5% returns on online spends — decent rate for a ₹500 annual fee card. Online shopping, food delivery, and digital purchases earn 1.5x the base rate
- Complimentary Swiggy One membership — free unlimited delivery on Swiggy + Swiggy Instamart. Worth ₹999/year if you order frequently
- 1% on travel — flights, hotels, and travel bookings earn at a separate higher rate
- Swiggy-specific promotions — occasional accelerated reward campaigns for Swiggy food orders
Cons
- DISCONTINUED — no new applications — the card is no longer available. Existing cardholders keep their benefits but nobody new can apply
- No lounge access — at ₹500 fee, most competitor cards offer at least 1 lounge visit per quarter. This card has zero
- Reward redemption fee of ₹99 — every time you redeem points, ₹99+GST is charged. For a low-fee card with modest earning, this fee eats into returns significantly
- Fuel, rent, wallet, government spends excluded — no rewards on these categories
- 3.5% forex markup — not suitable for international spending
- No accelerated Swiggy multiplier confirmed — unlike HDFC’s Swiggy card which offers 10% cashback on Swiggy, AU’s version has standard online rewards without a confirmed Swiggy-specific multiplier
- ₹99 Swiggy One cost vs fee math — Swiggy One costs ₹999/year separately. If you value it at full price, the ₹500 card fee is a steal. But if you don’t use Swiggy much, ₹500 for no lounge and basic rewards is poor value
Rewards Earning
| Category | Reward Rate | Value (at ₹0.25/RP) |
|---|---|---|
| Online Spends | 1.5% reward points | ~1.5% return |
| Travel Spends | 1% reward points | ~1% return |
| Offline Spends | Base rate | ~1% return |
| Government | 0% | Excluded |
| Rent | 0% | Excluded (1% fee applies) |
| Fuel | 0% | Surcharge waiver only |
| Wallet Loads | 0% | Excluded |
Reward Point Redemption Value
| Redemption Method | Value per RP |
|---|---|
| Statement Credit | ₹0.25 |
| Brand Vouchers | ₹0.25 |
| Airmiles | 0.25 airmile per RP |
Redemption fee: ₹99 + GST per transaction.
Airport Lounge Access
None. The AU Swiggy card does not offer any complimentary airport lounge access, domestic or international. This is a notable gap compared to other ₹500-fee cards from AU (like Myntra which offers 1 free lounge visit/quarter).
Fees & Charges
| Fee | Amount |
|---|---|
| Joining Fee | ₹500 + GST |
| Annual Fee | ₹500 + GST |
| Fee Waiver | Not documented |
| Forex Markup | 3.5% |
| Cash Advance | ₹500 or 2.5% |
| Fuel Surcharge Waiver | 1% (₹400–₹4,000) |
| Reward Redemption | ₹99 + GST per transaction |
Whois This Card For?
Ideal for (existing cardholders only):
- Existing holders who value the Swiggy One membership — at ₹999/year standalone value, the ₹500 fee is easily justified
- Anyone who does most spending online — 1.5% on online spends is decent
Not ideal for:
- New applicants — the card is discontinued
- Frequent travelers — no lounge access and foreign transactions cost 3.5%
- Lounge seekers — for similar fee, AU Myntra or competitor cards offer lounge access
The Verdict
[!NOTE] The AU Swiggy Credit Card was a solid entry-level co-branded card during its active period, offering decent online rewards and a complimentary Swiggy One membership at a ₹500 fee. The lack of lounge access was its main gap compared to similar-priced competitors.
For existing cardholders: keep it if you use Swiggy One actively, since the membership benefit alone is worth more than the fee. If you rarely order from Swiggy, the card’s value proposition is thin — no lounge, basic rewards with a ₹99 redemption fee, and a long list of excluded categories.
Bottom line: Decent when active, now discontinued. Existing holders should evaluate whether the Swiggy One membership justifies the ₹500 fee.
Last verified on July 2, 2026. Card is discontinued and no longer listed on AU Bank’s website.