CardTrail

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Best Credit Card for Dunzo in India (2026)

Quick answer:

Axis Citi Rewards Credit Card gives you up to 10% back on delivery and errands — the highest of any card we track. YES BANK POP-CLUB Credit Card is the best free alternative.

Updated April 2026·10 cards compared·No affiliate commissions

Top 10 Cards for Dunzo

1

Axis Citi Rewards Credit Card

Axis (formerly Citi)

Up to 10% on online shopping category

Reward rateUp to 10%
Annual fee₹1,000
Score8.4/10
2

HSBC Cashback Credit Card

HSBC

Up to 10% on online shopping category

Reward rateUp to 10%
Annual fee₹999
Score8.2/10
3

American Express SmartEarn Credit Card

American Express

Up to 10% on online shopping category

Reward rateUp to 10%
Annual fee₹495
Score7.9/10
4

SimplyCLICK Advantage SBI Card

SBI

Up to 10% on online shopping category

Reward rateUp to 10%
Annual fee₹499
Score7.9/10
5

YES BANK POP-CLUB Credit Card

YES Bank

Up to 10% on online shopping category

Reward rateUp to 10%
Annual feeFREE
Score7.8/10
6

Titan SBI Credit Card

SBI

Up to 7.5% on cashback category

Reward rateUp to 7.5%
Annual fee₹2,999
Score8.8/10
7

HDFC Millennia

HDFC

Up to 5% on online shopping category

Reward rateUp to 5%
Annual fee₹1,000
Score8.7/10
8

Axis Bank Horizon Credit Card

Axis

Up to 5% on cashback category

Reward rateUp to 5%
Annual fee₹3,000
Score8.6/10
9

Axis ACE Credit Card

Axis

Up to 5% on cashback category

Reward rateUp to 5%
Annual fee₹499
Score8.1/10
10

Samsung Axis Bank Signature Credit Card

Axis

Up to 5% on cashback category

Reward rateUp to 5%
Annual fee₹500
Score7.7/10

How We Ranked These

We ranked all 239 credit cards in our database against Dunzo using three tiers of relevance:

  1. Direct match — cards specifically designed for or partnered with Dunzo (co-branded cards, direct accelerated rewards)
  2. Category match — cards that earn accelerated rewards on the spending category that Dunzo falls under
  3. Broad match — cards that earn elevated rewards on related or overlapping categories

Within each tier, cards are sorted by effective reward rate (highest first), then by CardTrail Score as a tiebreaker. Every number on this page comes from our database — nothing is fabricated.

Tips to Maximise Rewards on Dunzo

→

Dunzo typically codes under 'Online Shopping' MCC

→

Dunzo Daily grocery orders and one-time deliveries may code differently

→

Cards with broad online-shopping rewards work best here

Free vs Paid: Is the Annual Fee Worth It?

Best Free Card

YES BANK POP-CLUB Credit Card

YES Bank · ₹0 annual fee

Up to 10% on delivery and errands

Score: 7.8/10

Best Overall

Axis Citi Rewards Credit Card

Axis (formerly Citi) · ₹1,000 annual fee

Up to 10% on delivery and errands

Score: 8.4/10

Cards to Avoid for Dunzo

These are popular, well-rated cards that earn only their base reward rate on delivery and errands. If you carry one of these, use a different card for Dunzo purchases.

IDFC FIRST Diamond Reserve Credit Card

IDFC FIRST · Score: 9/10 — but only 0.5% on delivery and errands

American Express Platinum Charge Card

American Express · Score: 8.7/10 — but only 1.25% on delivery and errands

IndusInd Tiger Credit Card

IndusInd · Score: 8.7/10 — but only 1.2% on delivery and errands

HDFC Swiggy Credit Card

HDFC · Score: 8.7/10 — but only 1% on delivery and errands

IDFC FIRST Select Credit Card

IDFC FIRST · Score: 8.7/10 — but only 0.75% on delivery and errands

These are great cards for other spending categories — just not for delivery and errands. Use the top-ranked card above instead.

Related: Best Cards for Similar Spending

Best for Blinkit Best for Zepto Best for Swiggy

Frequently Asked Questions

Which credit card gives the highest cashback on Dunzo?
Axis Citi Rewards Credit Card from Axis (formerly Citi) gives up to 10% back on delivery and errands. It has a CardTrail Score of 8.4/10 with an annual fee of ₹1,000.
Is there a no-annual-fee credit card good for Dunzo?
Yes — YES BANK POP-CLUB Credit Card is a free card (₹0 annual fee) that earns up to 10% on delivery and errands. CardTrail Score: 7.8/10.
How do credit card rewards work on Dunzo?
Credit cards earn rewards based on the Merchant Category Code (MCC) of the transaction. Dunzo transactions are assigned an MCC by the payment network, and cards with accelerated rewards on that MCC earn higher cashback or points.
Which popular credit cards should I avoid using for Dunzo?
Cards like IDFC FIRST Diamond Reserve Credit Card, American Express Platinum Charge Card, IndusInd Tiger Credit Card have high overall scores but earn only their base rate (0.5% or less) on delivery and errands. Use a category-matched card instead.

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