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Card picks for food delivery

Note: Swiggy and Zomato accept Amazon Pay. It may work out better for you if you don't have access to options below.

Pro-tip: Please use your mobile number and address linked with your Aadhar card for a successful application

HSBC Live Plus

  • 10% back on food, instamart, and dineout upto ₹1K monthly
  • Welcome offer: ₹1K back for ₹10K spend in 1st month
  • Double dip on app offers
  • Joining & annual fees of ₹1180

HDFC Swiggy

  • 10% back on food, instamart, and dineout upto ₹1.5K a month
  • Welcome offer: 3 months Swiggy One membership
  • Joining & annual fees of ₹590

HDFC Infinia

  • Best card to buy Swiggy Money vouchers (16.67% back in SmartBuy points)
  • Load vouchers in Swiggy app to pay for spends
  • Super-premium invite only card with high salary and spend requirements

HDFC Diners Black

  • Buy Swiggy Money vouchers and get 10% back in SmartBuy Points
  • Load vouchers in Swiggy app to pay for spends
  • Welcome offer: Annual Swiggy One membership
  • Premium card with joining & annual fees of ₹11800

Amex SmartEarn

  • 10% back on Zomato (on max monthly spend of ₹2.5K, limit clubbed with spends on other merchants)
  • Welcome offer: ₹500 voucher for fees of ₹499 + Extra 2K point bonus

RBL Cookies Card

  • 11.25% (10% cashback + 1.25% points) on Zomato (max spends of ₹3K per month)
  • Unique concept of monthly fees (₹100) instead of annual fees
  • Welcome offer: ₹1K voucher

SBI Cashback

  • Buy Swiggy Money vouchers from Gyftr/Woohoo/MagicPin with 5% back from card + 2-3% discount
  • Load vouchers in Swiggy app to pay for spends
  • Joining and annual fees of ₹1180

HDFC Millenia

  • Buy Swiggy Money vouchers from Gyftr/Woohoo/MagicPin with 5% cashback from card + 2-3% discount
  • Load vouchers in Swiggy app to pay for spends
  • Joining & annual fees: ₹1180 (get 1K cashpoints in return)

Axis IOCL Premium

  • 30% off on Zomato - minimum order of ₹200, maximum discount of ₹150
  • 4% back on fuel at IOCL
  • Joining & annual fees of ₹1180. Welcome benefit: Points worth ₹500 when converted to IOCL XTRARewards

Additional Notes​

  1. If you have a Magnus Burgundy card and are enrolled in AEP, you can accumulate Swiggy Money vouchers to use at a later time.
  2. Food Coupons: If your company provides Sodexo coupons, you can apply them for a 33% discount, though you'll miss out on credit card perks in exchange for the larger discount.
  3. You can pay on Swiggy / Zomato using Amazon Pay, which offers up to 13% returns.