Best Credit Card for Zomato
We compared 339 Indian credit cards on actual reward rates for Zomato purchases. Rates verified from bank-published T&Cs — no third-party data.
Top pick
RBL Bank Edition Credit Card 10.00%
Top 10 cards for Zomato
ranked by effective %- Best for Zomato
- 2visaHSBC
HSBC Visa Cashback Credit Card
Headline 10% maxes at ₹10K spend/cycle, then back to 1.5%
Annual fee: ₹999✓ Dining & Food categoryApply10.00%
effective
- 3visaHSBC
HSBC Live+ Credit Card
10% maxes at ₹10K spend/cycle, then drops to 1.5%
Annual fee: ₹999✓ Dining & Food categoryApply10.00%
effective
- 4rupayHSBC
HSBC RuPay Cashback Credit Card
Monthly aggregate cap ₹400 (lower than Visa Cashback's ₹1K)
Annual fee: ₹499✓ Dining & Food categoryApply10.00%
effective
- 7amexAmerican Express
American Express SmartEarn Credit Card
≈ 10% effective — Real ceiling = ₹2,500 spend/month per partner before cap. After cap → 1X base.
Annual fee: ₹495✓ Zomato-specificApply10.00%
effective
- 8dinersHDFC Bank
HDFC Bank Diners Club Privilege Credit Card
≈ 8.67% effective — 5X (20 RP/₹150) on Swiggy+Zomato capped at 2,500 RP/month. After cap drops to 4X (16 RP/₹150).
Annual fee: ₹1K✓ Zomato-specificApply8.67%
effective
Frequently asked
Based on current bank-published rates, the RBL Bank Edition Credit Card (RBL Bank) gives the best rewards on Zomato at 10.00% — 10 per ₹100. Ri8Lane ranks 340+ Indian credit cards from HDFC, ICICI, Axis, SBI, American Express and more by their actual effective rate.
