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Best Credit Card for Zomato in India (2026)

Quick answer:

HDFC Diners Club Black gives you up to 33% back on food ordering and restaurant delivery — 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 Zomato

1

HDFC Diners Club Black

HDFC

Up to 33% on dining category

Reward rateUp to 33%
Annual fee₹10,000
Score9.1/10
2

HDFC Regalia

HDFC

Up to 13% on dining category

Reward rateUp to 13%
Annual fee₹2,500
Score8.3/10
3

Kotak Solitaire Credit Card

Kotak

Up to 10% on dining category

Reward rateUp to 10%
Annual fee₹25,000
Score8.8/10
4

HDFC Diners Club Privilege

HDFC

Up to 10% on dining category

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

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
6

HSBC Cashback Credit Card

HSBC

Up to 10% on online shopping category

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

EazyDiner IndusInd Bank Credit Card

IndusInd

Up to 10% on dining category

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

American Express SmartEarn Credit Card

American Express

Up to 10% on online shopping category

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

SimplyCLICK Advantage SBI Card

SBI

Up to 10% on online shopping category

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

YES BANK POP-CLUB Credit Card

YES Bank

Up to 10% on online shopping category

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

How We Ranked These

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

  1. Direct match — cards specifically designed for or partnered with Zomato (co-branded cards, direct accelerated rewards)
  2. Category match — cards that earn accelerated rewards on the spending category that Zomato 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 Zomato

→

Zomato orders code as 'Online Shopping' on most card statements, not 'Dining'

→

Zomato Gold membership can stack with card rewards for additional discounts

→

Dining-out payments via Zomato may code differently from delivery orders

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 food ordering and restaurant delivery

Score: 7.8/10

Best Overall

HDFC Diners Club Black

HDFC · ₹10,000 annual fee

Up to 33% on food ordering and restaurant delivery

Score: 9.1/10

At a monthly spend of ₹10,000 on food ordering and restaurant delivery, the paid card earns ₹39.6K/year vs ₹12.0K/year for the free card — a difference of ₹27.6K. The paid card's extra rewards exceed its annual fee at this spend level.

Cards to Avoid for Zomato

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

IDFC FIRST Diamond Reserve Credit Card

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

American Express Platinum Charge Card

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

IndusInd Tiger Credit Card

IndusInd · Score: 8.7/10 — but only 1.2% on food ordering and restaurant delivery

HDFC Swiggy Credit Card

HDFC · Score: 8.7/10 — but only 1% on food ordering and restaurant delivery

IDFC FIRST Select Credit Card

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

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

Related: Best Cards for Similar Spending

Best for Swiggy Best for BigBasket Best for Blinkit

Frequently Asked Questions

Which credit card gives the highest cashback on Zomato?
HDFC Diners Club Black from HDFC gives up to 33% back on food ordering and restaurant delivery. It has a CardTrail Score of 9.1/10 with an annual fee of ₹10,000.
Is there a no-annual-fee credit card good for Zomato?
Yes — YES BANK POP-CLUB Credit Card is a free card (₹0 annual fee) that earns up to 10% on food ordering and restaurant delivery. CardTrail Score: 7.8/10.
How do credit card rewards work on Zomato?
Credit cards earn rewards based on the Merchant Category Code (MCC) of the transaction. Zomato 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 Zomato?
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 food ordering and restaurant delivery. Use a category-matched card instead.

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