Mr. Sharma is a foodie, and he mostly orders online food from Online apps such as Swiggy and Zomato. He always has an issue about which credit card he should use for top-up to be good at both apps, so today, Mr. Sharma set out on the journey of finding a credit card that would suit his needs best.
If you are like Mr. Sharma and are looking for a credit card that can be used for top-ups on Swiggy and Zomato, then you have come to the right place. This post will list the five best credit cards for Swiggy and Zomato.
What is Zomato?
Zomato is one of the most popular online food apps in India. It’s a restaurant discovery site where you can find details about restaurants, menus, photos, and reviews. You can search for restaurants by location or cuisine type to find something that suits your cravings.
Zamato’s name is derived from “zoom” and “mato.” Zoom in on food, get all the details.
What is Swiggy?
Swiggy is one of India’s leading online food delivery platforms. In August 2014, Sriharsha Majety, Rahul Jain, and Nandan Reddy founded it. Swig guy’s delivery service is currently available in about 40 cities across India.
Swiggy delivers food from over 15,000 restaurants in India.
The Best Credit Cards for Swiggy and Zomato
Now that we know a little bit about Swiggy and Zomato let’s look at the best credit cards for using these apps.
The Best Credit Cards for Swiggy and Zomato:
HDFC Swiggy Credit Card
The HDFC Swiggy Credit Card, introduced as a result of the partnership between HDFC Bank and Swiggy, provides various cashback offers and benefits. Its features are listed in the table below:
Features
Details
Cashback on Swiggy orders
10%
Cashback on online spending with specific merchants
5%
Cashback on all other spends
1%
Welcome benefit
Complimentary three-month Swiggy One Membership
Fee waiver condition
Annual fee waived off if spending exceed INR 200,000 within card anniversary year
This card is especially beneficial for regular Swiggy users.
Not only does it offer a 10% cashback on all Swiggy orders, including food delivery, Instamart, Genie, and Dineout, but it also provides a 5% cashback on online spending with select merchants like Amazon, Flipkart, Meesho, Ajio, Online Pharmacies, Ola, Uber, etc.
Another advantage is that the cashback earned is posted as Swiggy Money in the Swiggy app and is valid for one year.
The annual fee of 500+ taxes can be waived if you spend 200,000 or more in an anniversary year. However, this card does not offer lounge access.
The application process is straightforward and can be done through HDFC Bank’s website, Swiggy app, or HDFC Swiggy microsite.
While it offers a reward rate of close to 2%, potential cardholders should evaluate all options as other cards might provide higher rewards.
The HDFC Swiggy Credit Card has a rating of 3.8 out of 5 stars, making it a decent option for regular Swiggy users.
RBL Bank Zomato Edition Credit Card
The RBL Bank Zomato Edition Credit Card is another great option for Zomato users. This card offers a 10% cashback on all food orders made through Zomato, which is a great incentive to use this card for your Zomato orders.
In addition to the discount, the card also offers 2 % cashback on any Online spending, which is great for everyday spending. In this comparison, Flipkart Axis Bank Credit card 1.5% Cashback on all spending.
Here are the key features of the RBL Bank Zomato Edition Credit Card:
- 10% Value cashback on all food orders made through Zomato
- 2% cashback on any online spending.
- 1% cashback on all other spends
- 10% cashback on all spending as Birthday Benefit.
- Rs.2,000 cashback if you spend Rs.5 lakh or above in the previous year as milestone benefits.
- And on top of the above benefits, they also offer Lounge Access for domestic and international travel.
Zomato Edition credit card is a good option if you are looking for a card that offers cashback on all your Zomato orders.
Suppose you are looking for a card that offers cashback on Zomato orders and comes with other valuable benefits. In that case, the Zomato Edition Credit Card is a good option.
There are, however, certain restrictions with this card. RBL Bank credit cards are intended for frequent diners, so if you aren’t a regular Zomato user, this may not be the best card for you.
Additionally, there is also a non-waiver annual fee of Rs.1500 associated with this card, another downside.
Suppose you are looking for a credit card that offers cashback on Zomato orders and comes with an annual fee. In that case, the RBL Bank Zomato Edition Credit Card is a good option.
RBL Bank Zomato Classic Credit Card
The RBL Bank Zomato Classic Credit Card is another variant of the Zomato credit card from RBL Bank, and it’s a great option for Zomato users. This card offers similar cashback as discussed above, but some difference is that the cashback is restricted to only Zomato orders.
If you are looking for a card that offers good benefits and comes with an annual fee, then the RBL Bank Zomato Classic Credit Card is a good option.
Axis ACE Credit Card
Axis Bank ACE Credit card is one of the best credit cards available in the market. The card comes with a host of features and benefits, which are as follows:
- 4% cashback on Ola, Swiggy, Zomato
- 5% cashback on bill payment, mobile recharge using Google Pay and DTH
- 2% cashback on any other spends
The card also comes with many other benefits such as access to airport lounges, fuel surcharge waiver, etc.
Suppose you are looking for a credit card that offers great benefits across spending however, the best benefits for Zomato and Swiggy. In that case, you will get 4% cashback on Swiggy and Zomato. You can read the detailed review of the card here.
Axis Bank Flipkart Credit Card
Axis Bank Flipkart Credit card offer is 4% cashback on Swiggy.
The Flipkart credit card is a great option for Swiggy users who are also big shoppers on Flipkart. Also, there are no annual fees associated with this card.
Suppose you are looking for a credit card that offers great benefits across spending. In that case, the Axis Bank Flipkart Credit Card is a good option. Here of the main features of the Axis Bank Flipkart Credit Card:
- 5% cashback on Flipkart, Myntra and 2GUD
- 4% Cashback on Preferred Merchant Like Cute. fit, Swiggy, PVR, Uber
- 1.5% on All other merchants
You can read in detail about the card here.
Conclusion
The decision between which credit card to get can be hard, but hopefully, this article has helped you make a more informed choice.
What are your thoughts? Is there something we missed that should have made a list? Let us know in the comments below!
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