#1
Best for · Food Delivery
Best Credit Card for Swiggy and Zomato in India (2026)
HDFC Swiggy gives 10% cashback up to ₹1,500/month on Swiggy. Axis ACE returns 4% on Swiggy + Zomato. SBI Card Pulse 5% on dining.
Food delivery is one of the highest-cashback categories on Indian CCs because banks bid up to lock in the spend. HDFC Swiggy at 10% on Swiggy (capped ₹1,500/mo) returns ₹18,000/year for a ₹15K/mo Swiggy user — that pays for almost any premium-tier annual fee. For users who split Swiggy + Zomato, Axis ACE (4% on both via Google Pay bill payments) is more flexible.
Typical spend in this category: ₹4,000–15,000/month
Why these specific cards
HDFC Swiggy: 10% on Swiggy + 5% on online (Zomato included) — Swiggy cap ₹1,500/mo. Axis ACE: 4% on Swiggy / Zomato / food-delivery / Google Pay bill payments — no concentration cap. SBI Card Pulse: 5% on dining (POS + online) — useful for restaurant-spends in addition to delivery.
Reward math example
On ₹10K/mo Swiggy + ₹5K/mo Zomato split: HDFC Swiggy returns ₹1,500/mo (cap hit on Swiggy alone — Zomato earns 5% = ₹250 → total ₹1,750 = ₹21K/yr). Axis ACE returns 4% × ₹15K = ₹600/mo = ₹7.2K/yr. HDFC Swiggy wins on cap-bound spends; ACE wins on heavier-split usage.
Top 3 cards for food delivery
Curated picks based on category-specific reward rates and fit. See our rating methodology for how we evaluate.
#2
#3
What to evaluate before picking
- Concentrated Swiggy spend → HDFC Swiggy (cap-bound 10%)
- Split delivery + restaurants → Axis ACE or SBI Pulse
- Annual fee waiver thresholds match your actual spend