Best Credit Cards for Zomato and Swiggy in India (2025)

Looking to cut monthly food delivery costs without juggling confusing terms? This guide compares the best credit cards for Zomato and Swiggy, explains the 2025 landscape in plain language, and shows cap-aware ways to save more with realistic examples.

Why this guide

Food delivery is a high-frequency spend, so even single-digit rewards add up fast when category rules, caps, and exclusions match real ordering patterns. The right setup can reliably shave 5–10% off orders; the wrong one leads to missed caps and exclusions that erase value.

In 2025, Swiggy has an active co-branded credit card, while Zomato’s older co-brand program was sunset. That means the best “Zomato” play is a strong online cashback card or app-linked discounts, while the best “Swiggy” play is a platform card plus smart stacking. So, which is the Best Credit Cards for Zomato and Swiggy in India? Let’s find out.

What changed recently

Swiggy + HDFC Bank runs a co-branded card with 10% on Swiggy app orders (Food, Instamart, Dineout, Genie) up to a billing-cycle cap, 5% on specified online categories (separate cap), and a base rate elsewhere; cashback typically posts as statement credit. Always verify live caps and fees.

Zomato’s co-branded card with its previous partner ended, and users were migrated to other products. There is no active Zomato-branded credit card in 2025, so value now comes from general online/dining cards and time-bound bank offers.

Market tightening continues, with issuers adjusting caps, eligible categories, and exclusions. For dependable savings, do a quarterly check of live terms—especially before large orders or monthly stock-ups.

Best pick for Swiggy orders:

Swiggy HDFC Bank Credit Card

Why it stands out: It’s built for the Swiggy ecosystem. A clean 10% on-app earn rate (up to a cycle cap) is hard to beat for repeat Swiggy users, and 5% on select online categories can cover parts of a typical household basket beyond food.

10% on Swiggy app: Food, Instamart, Dineout, Genie—capped per billing cycle. Practically, this covers weekly orders when planned against the cap.
5% on specified online categories: Common everyday e-commerce categories, capped per cycle.
Base earn elsewhere: A simple floor on other eligible spends.
Exclusions: Typical carve-outs like wallet loads, fuel, rent, EMI, government services, jewellery; confirm the current list.
Redemption: Statement credit keeps reconciliation straightforward.

Ideal for: Households ordering multiple times weekly via Swiggy, Instamart essentials, and diners who use Dineout. If monthly Swiggy app spend approaches the 10% cap threshold, this card’s value is maximized.

Best picks for Zomato orders now

Since there’s no active Zomato co-brand, the practical approach is a reliable online cashback card for a flat earn on Zomato transactions—plus selective stacking with coupon-based offers that don’t break the card’s reward eligibility.

SBI Cashback SBI Card

Why it stands out: A simple 5% on eligible online transactions and 1% offline makes it a strong, low-maintenance choice for Zomato orders. Cashback typically posts automatically as statement credit, which helps with budgeting.

Flat 5% online on eligible spends offers predictable value on food delivery and broader ecommerce.
1% offline acts as a dependable floor for in-restaurant or card-present spends.
Automatic statement credit avoids redemption friction.
Stack potential: Time-bound issuer or partner promos can be layered when they don’t conflict with reward rules.

Ideal for: Zomato-first users who want predictable savings without managing portals or point transfers, and who like rewards that post without extra steps.

App-linked discounts (Zomato & Swiggy)

These are coupon-based offers tied to specific cards. They are excellent for stacking, but they change frequently. Always verify the live code, minimum order value (MOV), caps, day/time windows, and network/channel restrictions.

Axis Bank highlights

Axis Rewards Credit Card → Swiggy: Flat ₹150 off per order on Swiggy, minimum spend ₹500, valid twice per calendar month. Apply the card’s in-app coupon shown for this product; check current T&Cs.
Axis Neo Credit Card → Zomato: Flat ₹120 off per order on Zomato, minimum order ₹499, valid twice per calendar month. Use the current card-specific code; verify any updates.
Axis My Zone Credit Card → Swiggy: Up to ₹200 off per month on Swiggy via a designated coupon. Confirm whether the limit is one-time or split across orders.
Axis IndianOil Premium Credit Card → Zomato: 30% off capped at ₹150 per order with a card-linked Zomato coupon. Review MOV and monthly usage limits.
Axis Meal/Prepaid/Transit Cards → Zomato: 20% off up to ₹125 on minimum ₹399, often twice per month via dedicated coupon variants.
Axis network/day promos: Example: Saturday network-specific code windows; ensure the card network and day match the offer.

Other bank promos

Federal Bank Credit Cards → Zomato: Up to ₹150 off above a published MOV during campaigns; frequency and codes vary by period.
Seasonal tie-ups: Festival or month-end promos across major banks can temporarily boost food delivery discounts.

Effective savings: realistic math

Swiggy-heavy month: ₹12,000 on Swiggy + ₹8,000 on eligible online categories. Swiggy HDFC yields ≈₹1,200 (10% of ₹12,000) plus ₹400 (5% of ₹8,000) = ₹1,600 back if both buckets are under their caps.
Zomato-heavy month: ₹12,000 on Zomato + ₹8,000 other online. A 5% online cashback card yields ≈₹1,000 total (₹600 + ₹400), assuming all transactions qualify as online.
Cap-aware planning: If Swiggy orders exceed the 10% cap in a cycle, split large orders across statement dates or use a secondary card to avoid dropping to a lower earn rate.
When generalist wins: If most delivery is on Zomato and Swiggy usage is occasional, a 5% online card usually beats a Swiggy-focused co-brand for overall value.

Platform vs generalist: how to choose the Best Credit Cards for Zomato and Swiggy?

Pick a platform card (Swiggy HDFC) if:

Most orders are via Swiggy (Food + Instamart + Dineout), and monthly spend approaches the 10% category cap.
Prefer a simple statement credit flow with an additional 5% bucket covering select online categories.
Value cohesive ecosystem perks over micromanaging multiple cards.

Pick a general online cashback card (e.g., SBI Cashback) if:

Zomato is the primary delivery app and there’s no Zomato co-branded card.
Want a flat, low-maintenance 5% online rate that also covers ecommerce and bill payments where eligible.
Prefer automatic statement credits without portals or catalogues.

Practical tips to maximize savings

Confirm eligibility: Food delivery is usually “online,” but eligibility depends on issuer coding and program rules.
Mind the caps: Track both category and overall caps by cycle; set a reminder near statement date.
Avoid exclusions: Wallet loads, rent, fuel, EMI, government services, jewellery, and gift cards are commonly excluded.
Stack smartly: Some coupons or partner journeys can change how a transaction posts and impact rewards.
Re-check quarterly: Promos, caps, and categories shift; update the plan with each revision.

Frequently asked questions

Is there a Zomato credit card in 2025?

No. The co-branded Zomato program ended. For Zomato orders, use a robust online cashback card and add bank coupon offers when available.

What’s the current Swiggy co-branded option?

The Swiggy HDFC Bank Credit Card: 10% on Swiggy app orders up to a billing-cycle cap, 5% on specified online categories (separate cap), and a base rate elsewhere. Redemption is typically as statement credit.

Which card works well for Zomato now?

Cards with flat 5% online (like SBI Cashback) generally deliver predictable value on Zomato, provided the issuer treats these orders as eligible online transactions.

Are Axis Neo/Rewards/My Zone still offering Zomato/Swiggy discounts?

Yes—via app-linked coupon codes and monthly frequency caps that change periodically. Always confirm live codes, MOV, day/time windows, per-month limits, and any network/channel constraints before ordering.

Conclusion

Swiggy-first users should consider the Swiggy HDFC Bank Credit Card for a repeatable 10% on the platform up to the cycle cap, plus 5% on select online categories for broader coverage. Zomato-first users generally do better with a flat 5% online cashback card and occasional app-linked bank coupons—simple, reliable, and easy to manage. Whichever route is chosen, the real edge comes from cap-aware planning, avoiding exclusions, and reviewing live terms quarterly so savings stay consistent all year. I think the HDFC Swiggy card is the Best Credit Cards for Zomato and Swiggy in India in 2025

Disclaimer: Card features, caps, exclusions, codes, and partner terms change frequently. Always verify current offers and T&Cs on issuer/brand pages before applying or planning large orders.

Card/Setup	Where it shines	Key caps & notes
Swiggy HDFC Bank Credit Card Platform	10% on Swiggy app (Food, Instamart, Dineout, Genie) for frequent users; 5% on select online categories for extra breadth.	Per-cycle caps on both 10% and 5% buckets; exclusions like wallet loads/rent/fuel apply; statement credit redemption.
SBI Cashback SBI Card Online	Flat 5% on eligible online spends—including Zomato—and 1% offline; automatic statement credit.	Issuer-defined exclusions and monthly limits; verify Zomato eligibility under current rules.
Axis Rewards / Neo / My Zone Coupons	App-linked discounts like ₹150 off Swiggy (Rewards), ₹120 off Zomato (Neo), up to ₹200 on Swiggy (My Zone) with monthly frequency.	Codes, MOV, networks, days, and per-month limits change; confirm live T&Cs before checkout.
Other bank promos Campaigns	Short-term Zomato/Swiggy tie-ups (e.g., up to ₹150 off over MOV) useful for stacking when active.	Time-bound; check bank campaign pages and app offer hubs for current windows.

I think now you should be clear on the Best Credit Cards for Zomato and Swiggy in India.

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