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Top 5 Credit Cards For Food Delivery

Top 5 Credit Cards For Food Delivery

Good food has the power to cure all. That’s why having a dining credit card can be a much-needed and necessary investment. Nowadays, weekend dining or ordering food from online platforms like Swiggy and Zomato has become quite common. However, we often have to face surging food delivery prices and high costs. But you can avoid these extra expenses by using specific credit cards designed for food delivery platforms and luxury dining experiences. These credit cards offer discounts and offers that can help you save money on your expenses made through online food platforms. Additionally, you can even pay your dine-in bills with these credit cards through popular apps like Swiggy and Zomato.

Imagine you go out for dinner with your family, and after finishing your meal, you receive the bill, which is ₹7,000. If you don’t have a credit card, you’ll have to pay the total amount. However, if you have the right credit card, you can easily get a discount of up to 15%, 20%, or even 50% on your bill. Our blog on the best credit cards for food and dining can help you achieve this. With our list, you can save a significant amount of money on your next dining or food-ordering experience.


HDFC Swiggy Credit Card:

  • Joining Fee / Renewal Membership Fee – ₹500 /- + Applicable Charges

  • Interest Rate: 3.6% per month (i.e., 43.2% per annum)

  • Welcome Benefit: Earn free Swiggy One membership for 3 months, with exclusive discounts and benefits like free deliveries and priority customer service.

  • Special Feature: 10% Cashback earned on Swiggy HDFC Bank Credit Card is redeemable as Swiggy Money only on Swiggy application on following Swiggy platforms -

  • Food ordering

  • Instamart

  • Dineout

  • Genie


HDFC Swiggy Credit is a credit card that offers exclusive dining benefits and offers for Swiggy customers. With this card, you can enjoy up to 20% cashback on food orders, free Swiggy Super membership for a year, and access to premium restaurants and cuisines. HDFC Swiggy Credit also comes with other features such as zero annual fees, fuel surcharge waivers, and reward points on other categories. Whether you are ordering food for yourself, your family, or your friends, HDFC Swiggy Credit is the perfect card for you.


HDFC Millennia Credit Card:

  • Joining/Renewal Membership Fee – ₹1,000/- (Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off ).

  • Interest Rate: 3.6% per month (or 43.2% per annum)

  • Welcome Benefit: Up to 50 days of interest-free period on your HDFC Bank Millennia Credit Card from the date of purchase Pay your Joining Membership Fee and get a Gift Voucher equivalent to the Fee Amount (applicable only on payment of joining membership fee)

  • Special Feature: Get up to 20 % savings off on all your restaurant bill payments via Swiggy Dineout, and 5% Cashback on Amazon, BookMyShow,, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato. 


The HDFC Millennia Credit Card caters to your cravings with delectable offers and cashback just for ordering in. The card offers Savor savings on every online food order through Swiggy, Zomato, and other popular delivery platforms. This card also helps you elevate your dining experience with curated offers and discounts at select restaurants through Dineout. Enjoy a romantic dinner or a fun gathering knowing you're getting more for your money. Unlike other cards, the Millennia Credit Card doesn't limit your cashback opportunities. Order as often as you like and keep earning rewards on your food adventures.


Axis Bank Ace Credit Card:

  • Joining fee: INR. 499 (reversed upon spending Rs. 10,000 within 45 days of card issuance).

  • Interest Rate: 3.6% per month (52.86% per annum).

  • Welcome Benefit: None

  • Special Feature: 4% cashback on Swiggy, Zomato & Ola. (Capped at INR 500 per month).  2% on all other spends (uncapped).


The Axis Bank Ace Credit Card caters to budget-conscious individuals seeking cashback rewards on everyday spending. This Card helps you earn a flat 4% cashback on every order placed through Swiggy and Zomato, directly credited to your statement. No minimum order value is required, making it perfect for even small cravings. The Ace Credit Card offers unlimited cashback on food delivery, allowing you to maximize your savings with every order. Beyond food the card also offers 5% cashback on utility bill payments (electricity, internet, gas) & recharges through Google Pay, further fueling your budget-friendly lifestyle.


Axis Bank MyZone Credit Card:

  • Joining Fees: INR 500.

  • Interest Rate: 3.40% per month (49.36% per annum).

  • Welcome Benefit: None

  • Special Feature: Flat INR 120 off on food delivery at Swiggy.


The Axis Bank MyZone Credit Card targets young adults and frequent online shoppers offering attractive benefits in their favorite categories, including food delivery. The card offers a flat ₹120 discount on Swiggy orders above ₹500. This offer applies twice per month, letting you enjoy savings regularly. With this card you can elevate your dining experiences with up to 15% off (max. ₹500) at select partner restaurants via EazyDiner. Valid once per month on bills above ₹2,500, this perk caters to both casual and upscale dining occasions. The MyZone Credit Card has no cap on its food delivery discounts, allowing you to maximize savings regardless of your ordering frequency.


RBL Bank Monthly Treats Credit Card:

  • Joining fees: Nil for the primary card.

  • Interest rate: 3.99% p.m (upto 47.88% p.a)

  • Welcome Benefit: None

  • Special Feature: Customers can avail 10% cashback at Myntra, Uber & Zomato, up to INR 300 each per month.


The RBL Bank Monthly Treats Credit Card focuses on rewarding everyday spends, and food delivery is no exception. Indulge in both grocery shopping and convenient food deliveries while earning 10% cashback on both categories, capped at ₹100 each per month. This combined offering caters to your kitchen needs and cravings. However, to unlock this benefit, you need to spend at least ₹3,000 in a month. Additionally, the Swiggy cashback requires transactions through the RBL MyCard app.



Navigating the world of food delivery credit cards can be overwhelming, but hopefully, this guide has helped you whet your appetite for smart spending. Remember, the "best" card depends on your unique food habits and spending patterns.

Consider these key factors:

  • Frequency of orders: Do you order weekly or occasionally? High-frequency users might benefit from unlimited discounts or cashback.

  • Preferred platforms: Are you loyal to Swiggy, Zomato, or open to exploring? Choose a card with targeted offers for your platforms of choice.

  • Budget & spending caps: Consider minimum order values, monthly caps, and annual fees to avoid surprises.

  • Beyond food: Do you value additional perks like movie discounts, airport lounge access, or fuel benefits? Look for cards offering a well-rounded package.

Don't just settle for convenience – make your food deliveries truly delightful with the right credit card. Happy savings, and happy feasting!


Q: What factors should I consider before choosing a food delivery credit card? 

Consider your frequency of orders, preferred platforms (Swiggy, Zomato, etc.), budget & spending caps, and desired additional benefits (airport lounge access, fuel discounts).

Q: Are there any annual fees associated with these cards? 

Some cards have annual fees, often waived off if you meet specific spending requirements.

Q: Do these cards offer welcome bonuses or sign-up offers? 

Yes, some cards offer bonus points or cashback upon card activation or spending a certain amount within the first few months.

Q: Are there any minimum order values required to qualify for benefits? 

Some offers might require minimum order values, so check the fine print.

Q: Which card offers the highest cashback or discount on Swiggy orders? 

This varies depending on current offers, but cards like Axis Bank Ace and RBL Bank Monthly Treats offer cashback/discounts on Swiggy orders.

Q: Does any card offer benefits for Zomato orders? 

While some cards might have broader dining offers that include Zomato, dedicated Zomato discounts are less common. Consider HDFC Millennia for broader dining benefits.

Q: Are there any cards with unlimited cashback or discounts on food delivery? 

Yes, cards like Axis Bank Ace offer unlimited cashback on Swiggy and Zomato, while others might have monthly caps.

Q: Do any of these cards offer airport lounge access or other travel benefits? 

Some cards like HDFC Millennia and InterMiles HDFC Platinum offer limited lounge access, while others might have travel insurance or reward points redeemable for flights/hotels.

Q: What are the security features of these cards? 

Most cards offer chip-and-PIN technology and online fraud protection. Check individual card features for specifics.

Q: How can I compare different food delivery credit cards before choosing? 

Utilize online comparison tools, read detailed reviews, and consider your individual spending habits and priorities to make the best decision.


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