# Credit cards for Swiggy and Zomato, every rule dated · Brief

15 cards issued today pay more on Swiggy or Zomato than on the rest of your spend: 3 on both apps, 7 on Swiggy alone and 5 on Zomato alone. Each one carries an annual fee.

Every card issued today with a rule of its own for Swiggy or Zomato, the cards that cover both apps first. Each line is the bank’s own rule with its cap; the line under it is what the card earns on everything else.

15 cards · current to 10 November 2026

## Credit cards for Swiggy and Zomato (15)

- [Axis Bank ACE](https://getbrief.cards/cards/axis-ace): Pays on Both apps · 4% Swiggy/Zomato/Ola (₹500/mo shared cap) · Everything else: 1.5% unlimited base · ₹499 fee, waivable · 3.5% forex · lounge · ✓ official · checked 26 October 2026
- [PhonePe HDFC Bank Ultimo](https://getbrief.cards/cards/hdfc-phonepe-ultimo): Pays on Both apps · 5% on online brands (Amazon, Flipkart, Myntra, Ajio, Uber, Swiggy, Zomato), cap 500 RP/mo · Everything else: 1% on Scan & Pay (QR scan only, any UPI platform), cap 500 RP/mo · no base rate: other spends earn 0 · ₹999 fee, waivable · 3.5% forex · lounge · ✓ official · checked 16 July 2026
- [HDFC Millennia](https://getbrief.cards/cards/hdfc-millennia): Pays on Both apps · 5% back on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Cult.fit, Tata CLiQ and SonyLIV, up to ₹1,000 a month · Everything else: 1% CashPoints (cap ₹1,000/mo) · ₹1,000 fee, waivable · 3.5% forex · lounge · ✓ official · checked 26 October 2026
- [SBI SimplyCLICK](https://getbrief.cards/cards/sbi-simplyclick): Pays on Swiggy · 10 RP / ₹100 on online partners (2.5%) · Swiggy is among the merchants this rule covers · Everything else: 1 RP / ₹100 offline (0.25%) · ₹499 fee, waivable · 3.5% forex · ✓ official · checked 14 June 2026
- [Flipkart Axis Bank](https://getbrief.cards/cards/flipkart-axis): Pays on Swiggy · 4% preferred merchants: Swiggy, Uber, PVR and FITPASS, uncapped; nothing under ₹100 · Everything else: 1% base cashback; nothing under ₹100 · ₹500 fee, waivable · 3.5% forex · ✓ official · checked 26 October 2026
- [HDFC Freedom](https://getbrief.cards/cards/hdfc-freedom): Pays on Swiggy · 10X CashPoints at BigBasket, BookMyShow, OYO, Swiggy, Uber (10 CP/₹200) · non-EMI only, cap 2,500 CP/calendar month · Everything else: 1 CP/₹200 from 15 May 2026 (was 1 CP/₹150) · ₹500 fee, waivable · 3.5% forex · ✓ official · checked 26 October 2026
- [HDFC MoneyBack+](https://getbrief.cards/cards/hdfc-moneyback-plus): Pays on Swiggy · 10X (20 CP/₹200) at Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart, cap 2,500 CP/mo · Everything else: 2 CP/₹200 · UPI (RuPay) capped 500 RP/mo · ₹50 redemption fee, minimum 2,000 CP · ₹500 fee, waivable · 3.5% forex · ✓ official · checked 14 June 2026
- [Swiggy HDFC Bank](https://getbrief.cards/cards/hdfc-swiggy): Pays on Swiggy · 10% on Swiggy app incl. Instamart + Dineout (cap ₹1,500/cycle, min txn ₹249) · Everything else: 1% other (cap ₹500/cycle) · ₹500 fee, waivable · 3.5% forex · 1 status · verified · checked 20 June 2026
- [Swiggy ORNGE HDFC Bank](https://getbrief.cards/cards/hdfc-swiggy-ornge): Pays on Swiggy · 5% Swiggy app incl. Instamart + Dineout (min txn ₹249, cap ₹1,500/cycle) · Everything else: 1% on other spends, cap ₹1,000/cycle · ₹500 fee, waivable · 3.5% forex · ✓ official · checked 10 July 2026
- [Swiggy BLCK HDFC Bank Credit Card](https://getbrief.cards/cards/hdfc-swiggy-blck): Pays on Swiggy · 10% on Swiggy app incl. Instamart + Dineout (min txn ₹249, cap ₹1,500/month) · Everything else: 1% on all other spends, cap ₹1,000/cycle, min txn ₹100 · ₹1,000 fee, waivable · 3.5% forex · verified · checked 28 June 2026
- [Airtel Axis Bank](https://getbrief.cards/cards/axis-airtel): Pays on Zomato · 10% Zomato/Blinkit/District value-back (₹200/mo per partner) · on payments of ₹499 or more · Everything else: 1% all else · ₹500 fee, waivable · 3.5% forex · ✓ official · checked 26 October 2026
- [Flipkart SBI Card](https://getbrief.cards/cards/flipkart-sbi): Pays on Zomato · 4% at 4 select merchants: Zomato, Uber, PVR, Netmeds · ₹4,000/quarter cap · SBI can change the list · Everything else: 1% on all other spends, uncapped (min ₹100) · ₹500 fee, waivable · 3.5% forex · verified · checked 3 July 2026
- [HDFC PIXEL Play](https://getbrief.cards/cards/hdfc-pixel-play): Pays on Zomato · 5% on your 2 chosen packs (shared 500 CP/mo) · Zomato is among the merchants this rule covers · Everything else: 1% base cashback (cap 15,000 CP/mo); RuPay UPI 1% cap 500 CP/mo. Nothing under ₹100 a transaction earns. · ₹500 fee, waivable · 3.5% forex · ✓ official · checked 26 October 2026
- [Samsung Axis Bank Signature](https://getbrief.cards/cards/axis-samsung-signature): Pays on Zomato · 10 EDGE RP/₹100 at preferred merchants (Zomato, BigBasket, Myntra, Tata 1mg, UrbanCompany), uncapped · Everything else: 5 EDGE RP/₹100 (₹0.20/RP; ₹99 redemption fee) · ₹500 fee, waivable · 3.5% forex · lounge · ✓ official · checked 10 July 2026
- [RBL Cookies](https://getbrief.cards/cards/rbl-cookies): Pays on Zomato · 10% cashback Zomato, cap ₹300/mo · Everything else: 1 RP/₹100 offline base · online spends earn the online rate · ₹1,200 fee, waivable · 3.5% forex · ✓ official · checked 11 July 2026

Cards with a Swiggy or Zomato rule above their everyday rate: both apps first, then Swiggy, then Zomato, lowest fee first within each.

## What changed on these cards

The newest changes on record to cards on this list, each dated, with its source on its own page.

- [Axis cards earn nothing on gift card purchases](https://getbrief.cards/changes/axis-giftcard-aug26) · Devaluation · 28 August 2026 · Airtel Axis Bank, Axis Bank ACE, Flipkart Axis Bank, Samsung Axis Bank Signature
- [Axis Bank portfolio revision, 28 Aug 2026: tolls stop earning, DCC markup rises, late fees up](https://getbrief.cards/changes/axis-portfolio-2026-08-28) · Devaluation · 28 August 2026 · Flipkart Axis Bank, Axis Bank ACE, Airtel Axis Bank, Samsung Axis Bank Signature
- [Axis raises currency-conversion charges and stops rewarding tolls from 28 August](https://getbrief.cards/changes/axis-revision-2026-08-28) · Devaluation · 28 August 2026 · Axis Bank ACE
- [HDFC MoneyBack+ and Freedom now earn per ₹200, not ₹150](https://getbrief.cards/changes/hdfc-mbp-freedom-may26) · Devaluation · 15 May 2026 · HDFC MoneyBack+, HDFC Freedom
- [HDFC Freedom base earn cut to 1 CashPoint per ₹200](https://getbrief.cards/changes/freedom-base-2026) · Devaluation · 15 May 2026 · HDFC Freedom
- [Swiggy HDFC raised the minimum spend for 10% cashback](https://getbrief.cards/changes/swig-minrise) · Devaluation · 21 April 2026 · Swiggy HDFC Bank

Every change, dated: https://getbrief.cards/changes

## Questions this page answers

### Which credit cards pay extra on Swiggy or Zomato?

As of 10 November 2026, 15: Axis Bank ACE, PhonePe HDFC Bank Ultimo, HDFC Millennia, SBI SimplyCLICK, Flipkart Axis Bank, HDFC Freedom, HDFC MoneyBack+, Swiggy HDFC Bank, Swiggy ORNGE HDFC Bank, Swiggy BLCK HDFC Bank Credit Card, Airtel Axis Bank, Flipkart SBI Card, HDFC PIXEL Play, Samsung Axis Bank Signature and RBL Cookies.

### Which credit cards pay extra on both Swiggy and Zomato?

As of 10 November 2026, 3 of the 15: Axis Bank ACE, PhonePe HDFC Bank Ultimo and HDFC Millennia.

### Which credit card for Swiggy or Zomato has the lowest annual fee?

As of 10 November 2026, Axis Bank ACE and SBI SimplyCLICK, at ₹499 a year before GST.


## Other lists

- [Lifetime free](https://getbrief.cards/lifetime-free-credit-cards)
- [No forex markup](https://getbrief.cards/zero-forex-markup-credit-cards)
- [Cashback](https://getbrief.cards/cashback-credit-cards)
- [Travel](https://getbrief.cards/travel-credit-cards)
- [RuPay and UPI](https://getbrief.cards/rupay-credit-cards)
- [Fuel](https://getbrief.cards/fuel-credit-cards)
- [Amazon](https://getbrief.cards/amazon-credit-cards)
- [Flipkart](https://getbrief.cards/flipkart-credit-cards)
- [Rent](https://getbrief.cards/rent-credit-cards)
- [Secured](https://getbrief.cards/secured-credit-cards)
- [Students](https://getbrief.cards/student-credit-cards)
- [Lounge access](https://getbrief.cards/lounge)
- [Point values](https://getbrief.cards/how-brief-values-points)
- [Transfer partners](https://getbrief.cards/transfer-partners)
- [Side by side](https://getbrief.cards/compare)
- [Every card](https://getbrief.cards/cards)

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

Canonical: https://getbrief.cards/swiggy-zomato-credit-cards