QUESTION · FOOD DELIVERY · RATES AS OF 28 OCTOBER 2026
Do I get credit card rewards on Zomato if I pay by UPI?
Not always. On Zomato, Airtel Axis, Eternal SBI, PaisaSave YES and Cashback+ Kotak earn less, or nothing, when you pay through UPI (including a RuPay credit card on UPI). To get the full reward, pay with the card itself in the Zomato checkout.
- Airtel Axis: Earns nothing when paid through UPI; Credited to your Zomato wallet; apply the Airtel Axis 10% back offer at checkout
- Eternal SBI: Earns nothing when paid through UPI; 10% off the bill on orders of ₹100 or more; one ₹2,000 monthly limit shared with Blinkit; An instant discount at payment
- PaisaSave YES: Earns less when paid through UPI; Up to ₹3,000 of 6% cashback a month, shared with travel; then 1%. Paid by UPI: no 6%, and 1% only above ₹2,000
- Cashback+ Kotak: Earns less when paid through UPI; Online orders only; 5% food, grocery and movie spends share one ₹750 limit each statement, then nothing; RuPay card paid by UPI earns 0.5%
- PhonePe Ultimo: By card or by UPI; not on gift cards, wallet top-ups or EMI; grocery orders (Fresh, Minutes, Instamart) may earn nothing
Top cards on Zomato
- 1Airtel Axisorders of ₹499+ · up to ₹200 a month10%
- 2Eternal SBIorders of ₹100+ · up to ₹2,000 a month10%
- 3
HSBC Live+no minimum order · up to ₹1,200 a month10% - 4
PaisaSave YESno minimum order · up to ₹3,000 a month6% - 5
Cashback+ Kotakno minimum order · up to ₹750 a month5%
Rates as per each bank’s published terms (as of 28 October 2026) and can change. Pickkard isn’t a bank and isn’t paid by any bank.