With the increasing popularity of online food delivery, platforms like Zomato have become very popular. For consumers who frequently use Zomato, using a credit card that offers targeted rewards or discounts can significantly lower the monthly expenses. Many credit cards today offer accelerated rewards and extra cashback for partnering brands. Several banks now offer credit cards with Zomato-specific perks, including instant discounts, direct cashback, or accelerated reward points. These benefits are often bundled with additional lifestyle advantages, including savings on utility bills, OTT subscriptions, travel bookings, and more.
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| Credit Card | Annual Fee | Savings on Zomato | Conditions (If Any) |
| Airtel Axis | ₹500 + GST ( ~ ₹590) | 10% Cashback | Maximum Cashback of ₹500 Across the 10% Cashback Category |
| AmEx SmartEarn | ₹495 + GST ( ~ ₹584) | 10X Membership Reward Points | Maximum of 500 Points per Month |
| HDFC Tata Neu Plus | ₹499 + GST ( ~ ₹589) | 5% Cashback | Valid on Orders with MOV of ₹99 |
| HDFC Tata Neu Infinity | ₹1,499 + GST ( ~ ₹1,769) | 10% Cashback | Valid on Orders with MOV of ₹99 |
| Axis Neo | Nil | 40% Off on Zomato | Use Coupon Code: AXISNEOMOV: ₹200Max Discount: ₹120 per Order |
| Cashback SBI | ₹999 + GST ( ~ ₹1,179) | 5% Cashback | Maximum Cashback of ₹5,000 Across All Categories |
| HDFC Millennia | ₹1000 + GST ( ~ ₹1180) | 5% Cashback | Maximum Cashback of ₹1,000/Month |
| Axis ACE | Nil Joining Fee; Renewal Fee – ₹495 + GST ( ~ ₹584) | 4% Cashback | N/A |
| HDFC Diners Club Privilege | ₹1000 + GST ( ~ ₹1180) | 5X Reward Points | Maximum Cashback of ₹5,000 Across All Categories |
Review of the Best Credit Cards for Zomato
Here’s a look at the key features and benefits of each credit card that can be paired with Zomato for maximum savings.
Airtel Axis Bank Credit Card
The Airtel Axis Bank Credit Card comes with an annual fee of ₹500 + GST. This card gives 10% cashback on food delivery platforms including Zomato, Swiggy, and BigBasket. The cashback is credited automatically. There is no manual redemption needed. In addition to food delivery benefits, the card offers:
- 25% cashback on Airtel recharges and bill payments via the Airtel Thanks app
- 10% cashback on utility bill payments
American Express SmartEarn Credit Card
SmartEarn is the most affordable offering from American Express, priced at ₹495 + GST. The card offers 1 MR Point for every ₹50 spent with the card. For partnered brands, such as Flipkart, Uber, Zomato, AJIO, PVR, and Blinkit, it offers an accelerated reward rate of 10X. The accelerated rewards have caps, based on categories of spending; in total, a user can accumulate up to 1,250 points.
American Express targets high-spending individuals. Even with their most basic offering for the Indian market, the SmartEarn Credit Card, they offer various spend-based perks, including the following.
- Make purchases totaling ₹1.20 lakh during your card anniversary year and receive a ₹500 voucher from leading brands.
- Achieve the spending milestone of ₹1.80 lakh and receive an additional voucher of ₹500.
- An additional voucher of ₹500 can be obtained by spending ₹2.40 lakh with the American Express SmartEarn Credit Card.
HDFC Tata Neu Plus and Infinity
HDFC Tata Neu Plus and Infinity are two co-branded credit cards launched by HDFC in partnership with Tata Neu. These cards have gained immense popularity in India, especially amongst the young population, mainly because they are affordable and have perks to make everyday living simpler. For instance, the complimentary domestic airport lounge access that comes with the Infinity variant. According to a recent update, the cards are offering cashback on Zomato, which will be reflected in customers’ Zomato wallets. If we see the overall user benefit, it is as follows
- For Tata Neu Plus, 5% cashback on Zomato plus an additional 1% back as NeuCoins, making a total savings of 6%.
- For Tata Neu Infinity, get 10% cashback on Zomato plus 1.5% back as NeuCoins. That’s a total of 11.5% savings cumulatively.
Axis Neo Credit Card
The Axis Bank Neo Credit Card is a lifetime-free offering from Axis Bank. Although the card has a very low reward rate, it offers users a 40% discount on Zomato. The card offers 1 EDGE REWARD Point for every ₹200 spent on all eligible purchases, which is equivalent to a 0.10% reward rate. This card entitles you to 40% off food orders above ₹200 from Zomato twice a month. The maximum discount per order is ₹120. To take advantage of the discount, please use the coupon code AXISNEO. In addition to this, the card also offers perks such as 10% off movie tickets through BookMyShow, 5% off utility bill payments with Paytm, and additional discounts with Blinkit and Myntra.
Cashback SBI Credit Card
The SBI Cashback Credit Card is designed to offer flat cashback on online spending, making it ideal for Zomato users. With an annual fee of ₹999 + GST, the card provides 5% cashback on all online transactions, including Zomato, without requiring specific merchant partnerships or promo codes. The cashback is automatically adjusted against the card statement, simplifying the reward process. However, there is a maximum cap of ₹5,000 on cashback per month, including both online and offline transactions.
HDFC Millennia Credit Card
With an annual fee of ₹1,000 + GST, the HDFC Millennia Credit Card offers 5% cashback on Zomato. The card also offers 1% cash back up to 1,000 CashPoints on other eligible purchases. If you spend ₹1 lakh or more each quarter, you qualify for gift vouchers totaling ₹1,000. With this offer, you can earn up to ₹4,000 in gift vouchers annually by spending ₹4 lakh, which will also waive your annual fee.
Axis Bank ACE Credit Card
The Axis ACE Credit Card is great for everyday spending, particularly beneficial for food delivery, utility bills, and online shopping. The card has no joining fee and a renewal fee of ₹495 + GST, which can be waived based on annual spending milestones. Cardholders receive:
- 4% cashback on Zomato, Swiggy, and Ola
- 5% cashback on utility bill payments made via Google Pay
- 1.5% cashback on all other online spending
Cashback is automatically credited to your billing statement, with no redemption process required.
HDFC Diners Club Privilege Credit Card
The HDFC Diners Club Privilege Credit Card is positioned as a premium lifestyle card, offering a strong rewards program that includes benefits for food delivery. With an annual fee of ₹1,000 + GST (approximately ₹1,180), the card offers 5X Reward Points on Zomato. Additional features of the card include:
- Complimentary Annual Memberships of Swiggy One and Times Prime as a Welcome Benefit
- Complimentary airport lounge access annually
- ₹ 1,500 worth Marriott, Decathlon & more vouchers on quarterly spends of ₹1.5 lakh
Bottom Line
With increasingly busy work lives, food delivery platforms like Zomato have become an essential convenience. By using the right credit card, you can save on every order, whether it’s through cashback, discounts, or accelerated rewards. From lifetime-free options like Axis Neo to premium cards like HDFC Diners Club, there’s a discount for every budget and lifestyle. Each card brings unique benefits, helping you cut costs while enjoying your favorite meals.