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.