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Best Credit Cards for Swiggy & Zomato in 2026
Updated 23 September 2026 · Compares 4 cards
Food delivery is one of the fastest-growing monthly expenses for urban Indians. If you order two or three times a week, you can easily spend ₹4,000–₹8,000 a month on Swiggy, Zomato and quick-commerce apps like Instamart. On a regular credit card that earns 1%, that is ₹40–₹80 back. On the right card, it can be ₹400–₹800 every month.
The catch is that food-delivery cards come with monthly caps, minimum order values and exclusions, and several of them changed in 2026. Below are the cards that still give the best return on food delivery, and who each one suits.
Quick comparison
| Card | Fee | Best for |
|---|---|---|
| Swiggy HDFC Bank BLCK | ₹1,000 / year | 10% on Swiggy (Food, Instamart, Dineout) - cap Rs 1,500/month |
| HSBC Live+ | ₹999 / year | 10% cashback on dining, food delivery, groceries, shopping & utilities (cap Rs 1,200/month) |
| Airtel Axis Bank | ₹500 / year | Up to 25% on Airtel bills and 10% on utilities via Airtel Thanks app |
| HDFC Bank Millennia | ₹1,000 / year | 5% CashPoints on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Uber and more |
Our picks in detail
Swiggy HDFC Bank BLCK
The strongest Swiggy card available to new applicants. It pays 10% on Swiggy Food, Instamart and Dineout up to ₹1,500 a month, which covers roughly ₹15,000 of monthly Swiggy spend. Since April 2026 each Swiggy order must be ₹249 or more to qualify, so very small Instamart top-ups won't count. The older Swiggy HDFC card stopped taking new applications in February 2026.
Highlights
- 10% on Swiggy (Food, Instamart, Dineout) - cap Rs 1,500/month
- 5% on popular online categories - cap Rs 1,500/month
- 5% on Cleartrip (cap Rs 1,500)
- 1% elsewhere - cap Rs 500/month
Keep in mind
- Swiggy orders must be Rs 249+
- No lounge access
Fee waiver: spend ₹2,00,000 a year · Forex markup: 3.5% · Lounge: None
See details on the HDFC Bank website →HSBC Live+
The best choice if you use both Swiggy and Zomato, or also spend a lot on dining out and groceries. It pays 10% across dining, food delivery, groceries, shopping and utilities, with a combined cap of ₹1,200 a month. It is only issued in selected Indian cities, so check availability first.
Highlights
- 10% cashback on dining, food delivery, groceries, shopping & utilities (cap Rs 1,200/month)
- 1.5% unlimited on everything else
- Auto-credited cashback
Keep in mind
- Available only in select Indian cities
- 10% cap hits at Rs 12K/month
Fee waiver: spend ₹2,00,000 a year · Forex markup: 3.5% · Lounge: 1 international visit/year (from Jul 2026)
See details on the HSBC India website →Airtel Axis Bank
Pays 10% on Swiggy, Zomato and BigBasket, plus strong cashback on Airtel and utility bills paid through the Airtel Thanks app. Good if you are already an Airtel customer. Each category has its own cap.
Highlights
- Up to 25% on Airtel bills and 10% on utilities via Airtel Thanks app
- 10% on Swiggy, Zomato, BigBasket
- 1% elsewhere
Keep in mind
- Caps on each accelerated category
- Airtel-linked value only
Fee waiver: spend ₹2,00,000 a year · Forex markup: 3.5% · Lounge: None (discontinued Apr 2026)
See details on the Axis Bank website →HDFC Bank Millennia
A solid all-rounder that pays 5% on Swiggy and Zomato along with Amazon, Flipkart, Myntra and other popular apps. The 5% is capped at ₹1,000 a month across all those merchants, so it suits moderate spenders.
Highlights
- 5% CashPoints on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Uber and more
- 1% on other spends
- Rs 1,000 voucher per Rs 1L quarterly spend
Keep in mind
- 5% capped at Rs 1,000/month
- CashPoints need statement redemption (min balance)
Fee waiver: spend ₹1,00,000 a year · Forex markup: 3.5% · Lounge: Up to 4 domestic visits/year on Rs 1L quarterly spend
See details on the HDFC Bank website →How to choose
- Mostly Swiggy (including Instamart)? Swiggy HDFC BLCK gives the highest rate.
- Both Swiggy and Zomato, plus dining out? HSBC Live+ covers everything at 10%, if it's available in your city.
- Airtel customer? Airtel Axis adds bill-payment cashback on top of food delivery.
- Food delivery is only part of your online spending? HDFC Millennia spreads 5% across many apps.
Watch out for these
Food-delivery cashback almost always has a monthly cap. Work out your real monthly spend on each app and check it against the cap. Beyond it, you earn only the base rate. Also check whether wallet top-ups (Swiggy Money, Zomato Money) earn cashback. Usually they do not.
Frequently asked questions
Can I still apply for the original Swiggy HDFC credit card?
No. HDFC stopped accepting new applications in February 2026. New applicants can choose the Swiggy HDFC BLCK (10% on Swiggy) or ORNGE (5% on Swiggy) variants.
Does Zomato have its own credit card?
Not at the moment. For Zomato, cards with broad food-delivery cashback like HSBC Live+, Airtel Axis or HDFC Millennia work best.
Is it worth paying an annual fee for a food delivery card?
Usually yes, if you spend ₹3,000 or more a month on food delivery. At 10% cashback that's ₹3,600+ a year, well above a ₹500–₹1,000 fee, and most of these cards waive the fee once you cross an annual spend threshold.
How we pick: we compare fees, fee waivers, reward rates, monthly caps and exclusions from each bank's published terms, including 2025–26 changes. Estimates assume typical redemption values. CardWise is independent, and card rankings are not influenced by any bank.