FOOD DELIVERY · RATES CHECKED 22 OCT 2026
Short answer
Three cards tie for the most on Zomato at 10%: Airtel Axis (10% back on orders of ₹499+, up to ₹200 per calendar month), Eternal SBI (10% off on orders of ₹100+, up to ₹2,000 per calendar month) and HSBC Live+ (10% back, up to ₹1,200 per statement cycle).
We compared what all 50 credit cards Pickkard tracks earn on Zomato. 49 of them earn something here. The value shown is what the reward is worth when used the way the bank shows first; limits and minimum orders are from each bank’s terms.
| # | Card | Reward | On a ₹500 order | Min. order | Limit |
|---|---|---|---|---|---|
| 1 |  1. Airtel AxisAxis Bank | 10% back | ₹50 | ₹499+ | Up to ₹200 per calendar month |
| 2 | 2. Eternal SBISBI Card | 10% off | ₹50 | ₹100+ | Up to ₹2,000 per calendar month (one limit shared with the card's other apps at this rate) |
| 3 |  3. HSBC Live+HSBC India | 10% back | ₹50 | — | Up to ₹1,200 per statement cycle (one limit shared with the card's other apps at this rate) |
| 4 | 4. PaisaSave YESYES BANK | 6% back | ₹30 | — | Up to ₹3,000 per calendar month (one limit shared with the card's other apps at this rate) |
| 5 | 5. Cashback+ KotakKotak Mahindra Bank | 5% back | ₹25 | — | Up to ₹750 per statement cycle (one limit shared with the card's other apps at this rate) |
| 6 |  6. HDFC MillenniaHDFC Bank | 5% as Reward Points | ₹25 | — | Up to ₹1,000 per calendar month (one limit shared with the card's other apps at this rate) |
| 7 | 7. PhonePe UltimoHDFC Bank | 5% as Reward Points | ₹25 | — | Up to ₹500 per calendar month (one limit shared with the card's other apps at this rate) |
| 8 |  8. Cashback SBISBI Card | 5% back | ₹25 | ₹100+ | Up to ₹2,000 per statement cycle |
| 9 | 9. PhonePe SBI BlackSBI Card | 5% as Reward Points | ₹25 | ₹100+ | Up to ₹1,000 per calendar month |
| 10 | 10. SmartEarn AmexAmerican ExpressNo longer issued | 5% as Membership Rewards points | ₹25 | — | Up to ₹125 per calendar month (one limit shared with the card's other apps at this rate) |
| 11 | 11. Flipkart SBISBI Card | 4% back | ₹20 | ₹100+ | Up to ₹4,000 per quarter |
| 12 |  12. Axis ACEAxis BankNo longer issued | 4% back | ₹20 | — | Up to ₹500 per statement cycle (one limit shared with the card's other apps at this rate) |
10% back · min. order ₹499+
Bank’s own terms: Airtel Axis Bank Credit Card: cashback and value back terms from 12 April 2026, checked 22 Oct 2026.
10% off · min. order ₹100+
Bank’s own terms: Eternal SBI Credit Card terms and conditions, clause 11.1 a and 11.1 i, checked 22 Oct 2026.
10% back
Bank’s own terms: HSBC Live+ services guide: 10% cashback, checked 22 Oct 2026.
Three cards tie for the most on Zomato at 10%: Airtel Axis (10% back on orders of ₹499+, up to ₹200 per calendar month), Eternal SBI (10% off on orders of ₹100+, up to ₹2,000 per calendar month) and HSBC Live+ (10% back, up to ₹1,200 per statement cycle).
Not always. Airtel Axis, Eternal SBI, PaisaSave YES, Cashback+ Kotak, PhonePe Ultimo and PhonePe SBI Black earn less when the payment goes through UPI (including a RuPay card on UPI). To get the rates above, pay with the card itself in the Zomato checkout.
Yes, most cards cap the higher rate. Airtel Axis: Up to ₹200 per calendar month; Eternal SBI: Up to ₹2,000 per calendar month (one limit shared with the card's other apps at this rate); HSBC Live+: Up to ₹1,200 per statement cycle (one limit shared with the card's other apps at this rate). Above the limit the card earns its lower base rate.
Each rate was checked against the bank’s own terms (or, where marked, cardholder reports) on 22 Oct 2026. Banks change their terms several times a year, so check the bank’s page before you apply. How we check rates.
Rewards are as per each bank’s published terms on the date shown and can change. Pickkard isn’t a bank and isn’t paid by any bank for these rankings. Always check the bank’s page before applying.
