Card · points stay put
HDFC Swiggy: points stay put
It pays money back rather than points. Nothing it earns can become an airline or hotel booking through a transfer.
A cashback card built around Swiggy spend.
What this means
Cashback lands as a statement credit or a wallet balance. That is simple, but there is no currency to move, so it cannot be turned into airline miles or hotel points here. If a trip is the goal, the spend on this card pays for the ticket in cash.