Best Credit Cards for Zomato Food Orders
Food truly has the power to lift your mood, bring people together, and turn an ordinary day into something special. And when it comes to good food, whether it's weekend dinners with family or late-night cravings ordered via Swiggy or Zomato, the costs can quickly add up. We’ve all been there, excited for a meal, only to be hit with steep delivery charges or a hefty restaurant bill.
But here’s the good news: the right credit card can actually help you enjoy your food without burning a hole in your pocket. Some credit cards are tailor-made for foodies. They offer exclusive discounts on online food orders, and cashback on your restaurant bills. Whether you're ordering in or dining out, these cards can make a noticeable difference.
Imagine this: you're ordering food for your family or friends, the bill comes to ₹1,000, and instead of paying the full amount, your credit card knocks off 10%, 15%, or even 30%. That’s not just savings, it’s smart spending.
We’ve rounded up the best credit cards for Zomato food delivery to help you get more out of every meal. Because when you love food, you deserve a little extra on the side, be it in the form of cashback, rewards, or a delicious discount.
| Card | Annual Fee (Without GST) | Cashback or Rewards Points on Zomato Food Delivery | Best For Spends Up to & Reward Rate | Maximum Capping | Notes |
|---|---|---|---|---|---|
| Amex Credit Cards (Gold Charge, MRCC) | Depends Upon Which Card You Hold | You can buy Amazon Pay Gift Voucher through Amex Gyftr and top-up the Amazon Pay Wallet and later, pay through that. Currently, you can buy a Zomato gift voucher on Amex Rewards Multiplier. |
₹10,000 per month (12–15% reward rate) | ₹10,000 per month through Amex Gyftr portal | 0.885% (including GST) convenience fees on buying Amazon Pay Voucher |
| Amex SmartEarn | ₹495 | 10 MR Points per ₹50 spent | ₹2,500 per month (12–30% reward rate) | 500 MR Points per month jointly for 10x partner merchants | You need to do a transaction through Amex Smartearn on the Zomato App. |
| ICICI Emeralde Private Metal | ₹12,499 | Buy Zomato Gift Voucher through iShop portal | 18% reward rate | No amount of capping through ICICI iShop portal as of now | 10,000 RPs per day and 18,000 per month capping on iShop portal |
| HDFC Infinia Metal / Infinia | Infinia Metal: ₹12,500 Infinia: ₹10,000 |
Buy Zomato Gift Voucher through SmartBuy portal | ₹10,000 per month (16.5% reward rate) | ₹10,000 worth of Gift voucher per month through SmartBuy portal | 15,000 RPs per month capping on SmartBuy portal |
| HDFC Tata Neu Plus / Infinity | Plus: ₹499 Infinity: ₹1,499 |
Plus: 6% cashback (including 1% back as NeuCoins) Infinity: 11.5% cashback (including 1.5% back as NeuCoins) |
Up to 11.5% cashback depending upon which card you hold | No capping as of now | The cashback will be added to Zomato Money, and valid till 30 days only |
| Axis Airtel | ₹500 | 10% cashback | ₹5,000 per month (10% reward rate) | ₹500 per month across Swiggy, Zomato and BigBasket | Not Applicable |
| HDFC Diners Black / BizBlack | Diners Black: ₹10,000 BizBlack: ₹10,000 |
Buy Zomato Gift Voucher through SmartBuy portal | ₹10,000 per month (10% reward rate) | ₹10,000 worth of Gift voucher per month through SmartBuy portal | 10,000 RPs per day capping on SmartBuy portal |
| HSBC Live Plus | ₹999 | 10% cashback | ₹10,000 per month (10% reward rate) | ₹1,000 per month | The capping is across dining, food delivery and grocery spends |
| Standard Chartered DigiSmart | ₹49 per month | 10% cashback | ₹7,500 per month (10% reward rate) | ₹750 per calendar month | The capping is valid for 5 times, max ₹150 discount per transaction. |
| SBI Cashback | ₹999 | Buy Zomato voucher through ParkPlus at 3.5% discount and use SBI Cashback for additional 5% cashback (working as of now) OR get 5% cashback if transacting directly on Zomato |
8.5% reward rate | ₹5,000 per statement cycle | The cashback capping is inclusive of online and offline spends |
| HDFC Diners Club Privilege / Harley-Davidson | Diners Club Privilege: ₹1,000 Harley-Davidson: ₹2,500 |
20 RPs per ₹150 spent | ₹18,750 per month (6.67% reward rate) | ₹2,500 per calendar month | Base reward i.e., 4 RP per ₹150 spent will continue after that and there is no capping |
| HDFC Millennia | ₹1,000 | 5% cashback | ₹20,000 per month (5% reward rate) | ₹1,000 per month | Cashback is across partner merchants |
| HDFC Pixel Play | ₹500 | 5% cashback | ₹10,000 per month (5% reward rate) | ₹500 per month | Cashback is across partner merchants |
| ICICI Mine | Pro: ₹49 per month Premium: ₹149 per month |
5% cashback on both Pro and Premium Plans | Pro: ₹4,000 per month (5% reward rate) Premium: ₹15,000 per month (5% reward rate) |
Pro: ₹200 per month Premium: ₹750 per month |
Cashback is across partner merchants |
| Axis Neo | ₹250 (LifeTimeFree for select channels) | 40% off on minimum order value ₹200 by using AXISNEO coupon code | ₹300 per order | ₹120 per order valid up to twice per month | The offer is not valid if the payment is made via UPI linked Neo RuPay Credit Card. |
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