Best Credit Card for Swiggy & Zomato in India (2026)
The real cashback rates on Swiggy and Zomato — after caps are applied.
Food delivery is where credit card rewards get interesting — and confusing. Cards advertise 4-10% on Swiggy and Zomato, but monthly caps mean your actual earning rate depends entirely on how much you order.
We calculated effective cashback at ₹8,000/month food delivery spend — the average for urban professionals ordering 4-5 times per week.
All cashback figures below are calculated at ₹8,000/month spend in this category, using our cap-aware calculator that accounts for monthly limits and fallback rates.
Our Picks
10% on Swiggy Food, Instamart, Dineout, Genie. Separate caps: ₹1,500/mo Swiggy + ₹1,500/mo online + ₹500/mo other = ₹3,500 total possible. Swiggy-only (Zomato earns 1%).
Cap: ₹1500/mo (you're under it)
5% on both Swiggy AND Zomato (plus Amazon, Flipkart, etc.). More versatile than the Swiggy card but lower rate. ₹1,000/month shared cap.
Cap: ₹1000/mo (you're under it)
4% on Swiggy/Zomato/Ola with a ₹500/month accelerated cap. Once your primary card's cap is hit, switch to ACE for the overflow at 4%.
Cap: ₹500/mo (you're under it)
4% on Swiggy with no explicit cap on the 4% tier. If you've hit Millennia's ₹1K cap, Flipkart card continues earning 4%.
2.5% on dining (including delivery platforms that code as dining). Better for restaurant bills than delivery-specific cashback.
If you use only Swiggy: HDFC Swiggy card (10%) is the clear winner up to ₹15K/month. If you use both Swiggy and Zomato: HDFC Millennia (5% on both) is more practical. Pair either with Axis ACE for overflow after caps.
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Does HDFC Swiggy card work on Zomato?+
The 10% rate is Swiggy-exclusive. Zomato orders earn the standard rate (1%). If you use both platforms, HDFC Millennia's 5% on both is more versatile.
Do food delivery orders always count as dining?+
It depends on the MCC code. Swiggy/Zomato may code as dining, online, or food delivery depending on the card issuer and platform. Check your statement to confirm which category your orders fall under.
What about Swiggy Instamart?+
Yes, Instamart is part of the Swiggy ecosystem and earns 10%. Also Dineout and Genie. All under the ₹1,500/month Swiggy cap (separate from online and other caps).