In 2026, online food delivery is no longer a luxury—it’s a daily habit for millions. Whether it’s a busy workday or a lazy Sunday, platforms like Zomato and Swiggy are fulfilling culinary cravings across India. And if you’re among the regular users, choosing the right credit card can save you thousands in a year.
This detailed guide explores the best credit cards for Zomato and Swiggy in 2025, the rewards and offers they provide, and most importantly, the income eligibility criteria for each card. Whether you’re a student, a young professional, or a family head, there’s a card perfectly suited for your food ordering habits.
Why Use a Credit Card for Food Delivery in
In today’s digital economy, credit cards offer more than just deferred payments. They are financial tools packed with rewards, cashback, and exclusive offers, especially for online food delivery.
Key Benefits
- Up to 10% cashback on food delivery apps
- Free Zomato Gold or Swiggy One membership on select cards
- Dining discounts across partner restaurants
- Reward points convertible to vouchers or wallet cash
- Exclusive promo codes via bank tie-ups
What to Look for in a Foodie-Focused Credit Card
When choosing a card for Zomato/Swiggy, keep these features in mind:
Feature | Why It Matters |
Cashback or Points | Ensures you earn something back for every food order |
Dining Programs | Extra discounts at partner restaurants |
Low Fee | Keep annual costs in check |
Redemption Ease | Points should be easy to use (e.g., Zomato credits or Amazon vouchers) |
App Compatibility | Cards that work well with UPI or Google Pay for Swiggy orders |
Top 7 Credit Cards for Zomato/Swiggy
Let’s explore the best options available this year, sorted by eligibility, fees, and unique benefits.
RBL Bank Zomato Edition Credit Card
Annual Fee: ₹500 (Waived on ₹50,000 annual spend)
Income Requirement: ₹20,000/month
Best For: Dedicated Zomato users
Top Features
- Earn 5% Zomato Credits on all spends
- 10% credits on Zomato orders
- Free Zomato Gold Membership
- Redeem credits for future Zomato orders
Why It’s #1:
Tailored exclusively for Zomato users in 2025, this card offers maximum benefits for loyal customers.
Axis Bank ACE Credit Card
Annual Fee: ₹499 (Waived on ₹2 lakh annual spend)
Income Requirement: ₹20,000/month
Best For: Swiggy users who pay via Google Pay
Top Features
- 10X points on online partners
- Up to 1.25% effective reward rate
- Bonus on activation and first online transaction
In 2026:
While it doesn’t have direct Zomato/Swiggy tie-ups, it still provides decent returns on digital spending.
ICICI Bank Coral Credit Card
Annual Fee: ₹500 (Reversible on ₹1.5L spend)
Income Requirement: ₹25,000/month
Best For: Dining out + food delivery
Top Features
- Up to 15% off at 2500+ restaurants
- Bonus reward points on weekends
- Select Zomato tie-ups during promotions
Why It’s Relevant:
Gives you flexibility to dine-in and order online while enjoying ongoing rewards.
Kotak Delight Platinum Credit Card
Annual Fee: ₹1,000 (Waived on ₹1 lakh annual spend)
Income Requirement: ₹30,000/month
Best For: Heavy monthly spenders on food and entertainment
Top Features
- 10% cashback on dining and movies (₹10K monthly spend minimum)
- Rewards for offline and online spends
Tip:
Ensure you meet the ₹10K monthly spend to unlock full cashback benefits.
HSBC Cashback Credit Card
Annual Fee: ₹750 (Waived in 1st year)
Income Requirement: ₹25,000/month
Best For: Simplicity lovers
Top Features
- 5% flat cashback on all online spends (including Swiggy/Zomato)
- Cashback auto-credited each month
Low-maintenance and transparent
Side-by-Side Comparison
Credit Card | Annual Fee | Cashback Rate | Platform Focus | Income Criteria |
RBL Zomato Edition | ₹500 | 10% (Zomato) | Zomato | ₹20,000/month |
Axis ACE | ₹499 | 4% (Swiggy via GPay) | Swiggy | ₹20,000/month |
HDFC Millennia | ₹1,000 | 5% (Zomato/Swiggy) | Both | ₹25,000/month |
SBI SimplyCLICK | ₹499 | 1.25% (online spends) | General | ₹20,000/month |
ICICI Coral | ₹500 | Up to 15% (dining) | Zomato (tie-ups) | ₹25,000/month |
Kotak Delight | ₹1,000 | 10% (dining) | All | ₹30,000/month |
HSBC Cashback | ₹750 | 1.5% (online) | All | ₹25,000/month |
Choosing the Right Card Based on Lifestyle
Frequent Zomato Users
Go for RBL Zomato Edition for best credits and Gold membership.
Swiggy Addict (via Google Pay)
Pick Axis ACE Credit Card for unmatched cashback.
All-Round Online Shopper
Use HDFC Millennia or HSBC Cashback for food and beyond.
Dining In + Ordering Out
Combine ICICI Coral or Kotak Delight with Zomato for holistic benefits.
Application Requirements
To get approved for these cards, here’s what you typically need:
Card Name | Minimum Salary | CIBIL Score | Age |
RBL Zomato | ₹20,000 | 700+ | 21-60 |
Axis ACE | ₹20,000 | 720+ | 21-60 |
HDFC Millennia | ₹25,000 | 725+ | 21-60 |
SBI SimplyCLICK | ₹20,000 | 700+ | 21-65 |
ICICI Coral | ₹25,000 | 700+ | 21-60 |
Kotak Delight | ₹30,000 | 725+ | 21-60 |
HSBC Cashback | ₹25,000 | 725+ | 21-60 |
Mistakes to Avoid
- Ignoring cashback limits: Most cards cap monthly cashback—read the terms carefully.
- Missing fee waivers: Spend the required amount annually to avoid fees.
- Overusing credit: Don’t let rewards lead to overspending.
Neglecting payment due dates: Rewards are meaningless if you pay interest.
Extra Tips to Maximize Foodie Rewards
- Stack Offers: Use bank promo codes + card cashback together.
- Use Co-branded Cards: Zomato credits are more rewarding than general points.
- Time Your Orders: Many apps offer lunch and dinner peak-time offers—double the benefit with your card.
- Combine with Swiggy One or Zomato Gold for maximum benefits.
- Set Alerts for Milestone Rewards so you don’t miss out on fee waivers.
Choosing the best credit card for food delivery in 2026 depends on how frequently you order, your preferred platform, and your monthly income. Cards like the RBL Zomato Edition, Axis ACE, and HDFC Millennia dominate the market by offering rich rewards, low fees, and straightforward eligibility.
Whether you’re a casual food explorer or a regular app-ordering pro, picking the right card can turn your cravings into cashback. And with new partnerships and offers launching regularly, keeping your card choice updated in 2026 is key to smarter spending.
Need Help Deciding?
If you’d like help comparing these cards based on your income and usage habits, just share:
- Your monthly income
- Your preferred app (Zomato or Swiggy)
- How often you order (daily/weekly/occasionally)
I’ll recommend the best option tailored just for you!