Getting cashback in Swiggy Money is also a downgrade and if compared to real value it is around 8% only
I easily get 12%+ on Swiggy vouchers if purchased is timed properly (even after reduced offers from everywhere) so no rush,
Patience is key for LTF cards
Swiggy has started rolling out LTF offers for their HDFC Bank Swiggy credit card. Check your swiggy account and try your luck as it might be a user-specific offer.