Did you know that you can save more than ₹5,000 annually just by choosing the right credit card for ordering food online? If you’re an avid user of food delivery services like Swiggy and Zomato, you could be leaving money on the table without the right cashback credit card. Whether you love treating yourself to a cozy meal at home or ordering lunch during a hectic workday, choosing the best credit card for food delivery can help you save big while satisfying your cravings.
In this blog, we’ll compare the Swiggy and Zomato cards and explore how you can leverage credit card cashback offers to get the most out of your food delivery experiences.
Swiggy vs Zomato: Which Card Saves You More?
Both Swiggy and Zomato offer co-branded credit cards with attractive cashback features tailored for foodies. But which one is truly the best for saving money while you satisfy your hunger? Let’s break it down!
1. Swiggy Moneyback Credit Card: A Foodie’s Best Friend
The Swiggy Moneyback Credit Card, offered in partnership with HDFC Bank, is specifically designed to help you save on food deliveries, dining, and groceries. Here’s why it stands out:
- Key Benefits:
- 5% cashback on Swiggy orders.
- 1% cashback on all other spends.
- Exclusive discounts and offers on Swiggy.
- Zero annual fee for the first year, making it a great choice for first-time users.
- Perfect For: Food lovers who frequently order from Swiggy or dine out. The cashback on Swiggy orders can add up quickly, especially if you order frequently.
Real-Life Scenario: Imagine you order lunch from Swiggy every day, spending ₹300. With 5% cashback, you can earn ₹15 every day, adding up to ₹450 per month. That’s ₹5,400 annually just for enjoying your favorite meals!
2. Zomato Axis Bank Credit Card: Great for Dining Out
The Zomato Axis Bank Credit Card is another excellent option for foodies who often use the Zomato app for online food delivery and dining out. This card offers solid rewards across dining categories, making it a contender for food enthusiasts.
- Key Benefits:
- 5% cashback on Zomato orders.
- 2% cashback on dining-related expenses.
- 1% cashback on all other spends.
- Access to premium Zomato Gold membership, which offers free delivery and discounts at partner restaurants.
- Perfect For: Frequent diners who enjoy using Zomato not just for delivery, but for dining out at partner restaurants.
Real-Life Scenario: You order dinner from Zomato twice a week, spending ₹500 each time. That’s ₹1,000 weekly, and with 5% cashback, you earn ₹50 every week. This adds up to ₹2,600 per year—just by ordering dinner!
Comparing Cashback and Benefits
Here’s a quick comparison of the Swiggy Moneyback Credit Card and Zomato Axis Bank Credit Card to help you choose the best one for your needs:
| Feature | Swiggy Moneyback Card | Zomato Axis Bank Credit Card |
| Cashback on Swiggy Orders | 5% cashback | 5% cashback |
| Cashback on Dining | 1% cashback | 2% cashback |
| Cashback on Other Purchases | 1% cashback | 1% cashback |
| Annual Fee | Zero for the first year | ₹500 (waived if spending exceeds ₹2,00,000) |
| Other Perks | Discounts and offers on Swiggy | Zomato Gold membership, dining discounts |
Which Card Wins?
Both cards offer 5% cashback on food orders, but the Zomato Axis Bank Credit Card wins if you dine out frequently, as it offers 2% cashback on dining and gives you access to a premium Zomato Gold membership. On the other hand, if you’re primarily ordering from Swiggy, the Swiggy Moneyback Credit Card offers slightly better value in terms of cashback on Swiggy orders and zero annual fee for the first year, making it a great choice for first-time users.
How to Maximize Cashback on Your Food Orders
To maximize your savings with these cards, here are a few tips:
- Choose the Right Card for Your Needs: If you use Swiggy more than Zomato, the Swiggy Moneyback Credit Card will likely provide better savings. If you frequently dine out or order from Zomato, the Zomato Axis Bank Credit Card is ideal.
- Watch for Special Offers: Keep an eye on credit card cashback offers and seasonal discounts. Many cards run exclusive promotions where you can earn extra cashback or rewards on food delivery.
- Pay Your Bills on Time: Avoid interest charges that can eat into your cashback by paying your credit card bill in full and on time.
- Take Advantage of Dining Offers: Both cards provide additional perks like discounts on dining and exclusive deals with restaurants. Be sure to take full advantage of these offers when dining out.
Best Credit Cards for Dining and Food Delivery
In addition to the Swiggy and Zomato cards, here are a few other cards that offer great rewards for food lovers:
- SBI Cashback Card: Offers great cashback on dining, groceries, and online purchases.
- HDFC Regalia Credit Card: Offers dining benefits and airport lounge access for frequent travelers who also enjoy fine dining.
- Axis Bank Privilege Credit Card: Offers premium dining experiences and exclusive restaurant deals.
Apply for Your Card Today!
Ready to save big on your next food delivery? Whether you’re a Swiggy or Zomato fan, the right credit card for food delivery in India can help you earn cashback, discounts, and more! Apply for a credit card online today and start saving while enjoying your favorite meals.
By following these tips and using the right credit card, you can make the most of every meal. Don’t miss out on cashback credit cards and the best dining offers—start earning rewards today!