Best Credit Cards for Zomato

Last Updated : July 2, 2025, 4:25 p.m.

Good food is the best form of entertainment that gives great pleasure to people. However, whether it is dining in a restaurant with your family or ordering from the comfort of your home with online food delivery apps like Swiggy or Zomato, you have to face soaring restaurant bills and delivery charges. So, while it is important to enjoy lip smacking delicacies, it should not put you in a money crunch situation. To make significant savings on food expenses, using the correct credit card can help. Credit cards offer discounts, reward points, cashback, and other offers that help you to cut costs on your hotel bills or food delivery expenses. Zomato is one of the most popular food delivery apps in India, and it is well-known for its wide listings, user reviews, and ability to facilitate food orders and deliveries. It often partners with banks to provide exclusive credit card discounts. In this article, let us read about the best credit cards for Zomato in India in 2025.

Top Credit Cards for Zomato in 2025

Before making any order from Zomato, you must see which credit card can provide you with the best deals. We have gathered the top credit cards that will give you many benefits on Zomato App.

Which Card Gives You the Maximum Savings on Zomato?

When it comes to saving on your Zomato food orders, choosing the right credit card can make a huge difference. From flat cashback to instant discounts and complimentary memberships, different cards cater to different spending habits. Below, we’ve outlined the best credit card options based on your monthly Zomato usage—from occasional orders to heavy-duty food delivery.

1. Occasional Users or Students

If you’re a student or someone who orders food just a couple of times a month, you don’t need a premium card with a high annual fee. Instead, budget-friendly cards offering instant discounts are the best value.

Recommended Cards:

Axis Bank Neo Credit Card
This card is perfect for low-frequency users. It has no hefty annual fee and offers a flat ₹120 off on two Zomato orders per month. If you place two orders worth ₹500 each, you save ₹240 in total—an impressive 40% discount.

IDFC FIRST Swyp Credit Card
This card is another great option for students. It offers a 10% discount on Zomato twice a month, with a maximum saving of ₹100 per order. That gives you up to ₹200 in monthly savings.

Savings Snapshot:

• Typical spend: ₹1,000/month
• Total savings: ₹200–₹240
• Effective cashback rate: 20%–24%

These cards outperform most premium cards in percentage savings when your monthly food order value is low.

2. Regular Users

If you order frequently, perhaps for your family or as part of your weekly meal routine, cashback credit cards with moderate caps are ideal. These cards offer consistent savings without needing to track promo codes.

Top Picks:

Airtel Axis Bank Credit Card
This card provides 10% cashback on Zomato and Swiggy orders, with an upper limit of ₹500 per month. You hit this limit at spends of ₹5,000, making it perfect for users in that bracket.

HDFC Millennia Credit Card
HDFC Millennia offers a cashback of 5% on Zomato orders and has a monthly upper limit of ₹1,000 (This applies to up to ₹20,000 in eligible online spending).

SBI Cashback Credit Card
This card gives 5% cashback on all online transactions. This includes Zomato also. The ₹5,000 monthly cashback cap is generous and covers high spenders too.

Example: Monthly Spend ₹8,000

• Airtel Axis: ₹500 cashback (10%, capped)
  
• HDFC Millennia: ₹400 cashback (5%)
  
• SBI Cashback: ₹400 cashback (5%)

3. Power Users

High-volume food delivery users, such as families ordering multiple times a week need cards with either very high capping or no upper caps at all. This ensures maximum value without rewards being limited.

Best Options:

Tata Neu HDFC Card (Infinity)
This card offers a combined reward of up to 11.5% on Zomato—10% as cashback plus 1.5% in NeuCoins. There’s no reported monthly cap, making it ideal for heavy users.

SBI Cashback Credit Card
With a flat cashback of 5% and an upper limit of Rs. 5000 every month, this card easily accommodates spends up to ₹1,00,000/month.

Axis ACE Credit Card
This card offers an unlimited cashback of 4% on Zomato and Swiggy. It is ideal if your expenses don’t fit within other cards’ reward caps.

HDFC Diners Privilege Credit Card
This card gives you 5X reward points (~6.67% value) on food delivery spends. However, the bonus reward is capped at ₹23,000/month, after which you can earn base points.

Sample Strategy: Spend ₹15,000/month

• Airtel Axis: ₹500 cashback (On the first ₹5,000)

• Tata Neu Infinity: ₹1,725 cashback (~11.5% of ₹15,000)

• SBI Cashback: ₹750 cashback (5%)
  
• Axis ACE: ₹600 cashback (4%)

4. Dining Out Enthusiasts

Some users spend more at restaurants than on food delivery. For them, credit cards with complimentary dining memberships offer much better value than basic cashback.

Top Choices:

American Express Cards
Select Amex cards offer free Zomato Gold membership, which includes free deliveries and extra restaurant discounts.

HDFC Diners Privilege
This card comes bundled with Swiggy One and Times Prime memberships , offering food delivery savings and dining deals.

IndusInd EazyDiner Credit Card
This card offers 25% off on restaurant bills and free EazyDiner Prime membership.

Yes Bank & ICICI Bank Credit Cards
These cards occasionally offer dining discounts on Zomato bookings, like ₹500 off with Yes Bank (on weekend bookings) and ₹350 off with ICICI (using promo codes).

5. Users Looking for Co-Branded or Special Deals

Multiple other cards provided almost-equivalent benefits when the co-branded Zomato Edition Card by RBL Bank was suspended in 2023,

Current Alternatives:

Airtel Axis Bank Credit Card & Tata Neu HDFC Credit Card
These offer robust cashback. They are tied up with high-value platforms.

Standard Chartered DigiSmart Credit Card

• Offers a discount of flat 10% on every order made through Zomato
• ₹150 for each order
• 5 times per month
• A solid choice for consistent, smaller orders.

Limited-Time Offers to Watch: Banks like HDFC, ICICI, and Yes Bank regularly promote Zomato-specific coupons or card offers.

Tips to Maximize Zomato Savings with Credit Cards

Track new offers monthly: Credit card issuers frequently update their offers in partnership with Zomato. These can include instant discounts, bonus cashback, or even limited-time cashback boosts.

• Example: The Standard Chartered DigiSmart Credit Card consistently provides 10% off on Zomato orders without a minimum spend.
  
• Similarly, Axis Bank frequently runs seasonal or rotating deals for its RuPay credit card users.

Use Promo Codes When Required : Not all discounts are automatic. For some credit cards, it is required to apply for specific coupon codes at checkout on Zomato.

• Examples:
• • When you make the payment via the Axis Bank Neo Credit Card, Use AXISNEO as the promo code.
  • Use the Standard Chartered DigiSmart Credit Card via DIGISMART.

Activate and Use Complimentary Memberships : Many premium and mid-range credit cards offer free subscriptions to popular services like Zomato Gold (now Gold Pro), Swiggy One, or Times Prime.

• Zomato Gold/Gold Pro: Free delivery on eligible orders, additional restaurant discounts, priority support, and more.

• Swiggy One:

• Unrestricted complimentary deliveries

• Exclusive discounts on food and grocery items.

• Times Prime: Includes multiple food-related advantages, including trials or discounts on:

• Zomato

• EazyDiner

• Dineout

Stack Benefits Strategically : The real magic takes place when you merge multiple savings layers. Here's how:

• Use your credit card's cashback or discount (e.g., 10% with Airtel Axis).
• Apply your Zomato Gold discount on top (e.g., 20% off on selected restaurants).
• Combine with platform offers, such as festive sales or additional coupons.

Buy Zomato Gift Vouchers via Credit Card Reward Portals : Some premium cards (like HDFC Infinia, Diners Club Black, or Amex Platinum) offer accelerated reward points when you purchase gift vouchers through their official portals.

• Example: HDFC SmartBuy platform often provides 10X reward points on voucher purchases, totalling up to an effective value of 33%.
• You can purchase a ₹10,000 Zomato voucher and receive reward points worth ₹1,500–₹3,000 depending on your card’s multiplier and redemption value.

Stay Updated on Co-Branded Credit Card Launches : While Zomato’s co-branded RBL Bank Edition Credit Card was discontinued in 2023, there’s always potential for new launches.

• Zomato may tie up with another bank in the future, much like how Swiggy partnered with HDFC Bank for its own credit card.
  
• Co-branded cards usually offer the highest possible rewards (often 10%–15% back) and include free subscriptions as part of the package.

Conclusion

To truly optimize your savings on Zomato, it's important to choose the right credit card based on your monthly spending habits. Make sure to apply promo codes whenever required, as many discounts depend on it. Take full advantage of any complimentary memberships such as Zomato Gold, Swiggy One, or Times Prime that come bundled with your credit card. These perks often offer additional discounts and free deliveries. Don’t forget to stack these benefits smartly, combining card-based cashback, platform offers, and partner deals to maximize returns. With a well-planned strategy, you can reduce your food delivery expenses by 20% to 50% every month, turning every order into an opportunity to save more.