Zomato is a food-ordering, restaurant-discovery and delivery platform operating across India.
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25% cashback on Airtel recharges & 10% on utilities and food delivery
10% accelerated cashback on dining, food delivery, and groceries with domestic lounge access.
Everyday Retail Card with 3X Shopping Multipliers & Achievable Fee Waiver
Straightforward Monthly Statement Cashback on Online Shopping
Year-Round 10% Cashback on Samsung Products & Everyday Essentials
Earn 10% off Zomato (capped at ₹2,000/month across the Eternal ecosystem) for a ₹499/year fee. Applications open 22 October 2026.
Orders on Zomato generate high return through dedicated co-branded cards (such as Swiggy HDFC delivering 10% statement cashback, or EazyDiner IndusInd offering up to 50% dining discounts) and lifestyle cashback cards (like Airtel Axis offering 10% on food and delivery platforms). Because card cashback is credited directly to your credit card statement by the issuer, it stacks 100% on top of on-screen promo codes, restaurant coupons, and delivery passes.
Cards like Airtel Axis offer 10% cashback capped at ₹500/month shared across partner food delivery and quick-commerce merchants, ideal for regular weekly orders.
Table reservations and bill payments (via Dineout, EazyDiner, or District) often yield instant flat discounts of 15%–25% plus extra bank discounts, outperforming standard food delivery delivery-fee margins.
Card rewards on Zomato are processed at the banking statement layer. You can freely combine restaurant BOGO offers, instant app promo codes, and merchant loyalty points without forfeiting card cashback.
Because food delivery and dining orders recur multiple times per month, understanding spend sweet spots and monthly cap limits on Zomato is critical to maximizing net savings.
Light ordering stays well within monthly caps. Zero-annual-fee and low-fee cards capture full 5%–10% cashback without fee drag.
Co-branded cards deliver optimal yield here. A 10% return earns ₹500 to ₹1,000 per month, easily offsetting annual card fees in under 60 days.
Spends beyond ₹15,000 monthly can exhaust category caps (e.g. ₹1,500/mo cap on Swiggy HDFC). Post-cap spends earn 1% base rate, making uncapped multi-card setups preferable.
Use this checklist to ensure the card fits your spending profile and delivers real net savings.
Verify whether the 10% or 5% rate has a ₹500, ₹1,000, or ₹1,500 monthly ceiling.
Confirm if the card rewards food delivery, quick-commerce, and table payments equally on Zomato.
Use your card at checkout alongside on-screen restaurant codes for double-dip savings.
A ₹499 annual fee is recouped in just 1–2 months with ₹3,000–₹5,000 in monthly food spend.
Everything you need to know about maximizing cashback, exclusions, and stacking coupons on Zomato.
Compare verified credit card rewards and offers across top Indian merchants.
Swiggy provides food delivery, restaurant ordering and convenience services across India.
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