Best Credit Cards for Food Delivery in India [2025 Edition]

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Introduction

Food delivery is no longer a luxury — it’s a habit. Whether it’s Swiggy, Zomato, or Blinkit, most of us spend thousands every month.

But here’s the good news: some of the best credit cards in India now offer up to 10% cashback on these platforms. If you’re not using them, you’re losing money.

This guide will help you pick the best credit card for food delivery in India in 2025, so you can save more on every order.

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Top 5 Credit Cards for Food Delivery in India [2025]

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1. Airtel Axis Bank Credit Card – Best Overall

• 10% cashback on Swiggy, Zomato, Blinkit, BigBasket, and Uber
• No wallet required – cashback is direct
• Lounge access: 4 domestic/year
• ₹500 annual fee (waived on ₹2L spend)
• Cashback auto-credited every month

Best for: People who order from multiple food & grocery apps
Apply Now

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2. HDFC Swiggy Credit Card – Best for Swiggy Power Users

• 10% cashback on Swiggy (via PayZapp only)
• 5% cashback on Zomato, Blinkit
• No lounge access
• ₹500 annual fee (waived on ₹2L spend)
• Cashback limit: ₹1500/month

Best for: Swiggy loyalists who don’t mind using PayZapp

Apply Now

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3. AU Bank LIT Credit Card – Best for Custom Cashback

• Choose your own categories (Swiggy/Zomato included)
• Up to 10% cashback in selected slots
• ₹49/month fee (waived on ₹10K monthly spend)
• Lounge access: Yes
• Zero joining fee

Best for: People who want complete control over their benefits

Apply Now

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4. Axis ACE Credit Card – Best for Overall Cashback

• 5% cashback on bill payments via Google Pay
• 2% flat cashback on Swiggy, Zomato, and all other spends
• Lounge access: 4 domestic/year
• ₹500 annual fee (waived on ₹2L spend)

Best for: Everyday use and consistent cashback

Apply Now

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5. ICICI Amazon Pay Credit Card – Best LTF Voucher Card

• 5% cashback (Prime) or 3% (non-Prime) on Amazon
• Buy Swiggy/Zomato vouchers via Amazon and save
• Lifetime free
• No lounge access

Best for: Amazon Prime members and voucher stackers

Apply Now

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Comparison Table

Credit Card	Food Cashback	Wallet Required	Lounge Access	Annual Fee
Airtel Axis	10% on food/grocery apps	No	Yes (4/year)	₹500
HDFC Swiggy	10% on Swiggy (PayZapp)	Yes	No	₹500
AU Bank LIT	Up to 10% (custom slots)	No	Yes	₹49/month
Axis ACE	2% flat cashback	No	Yes	₹500
ICICI Amazon Pay	5% via Amazon vouchers	No	No	LTF

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Which One Should You Pick?

• For highest cashback with no conditions → Go with Airtel Axis
• For heavy Swiggy users using PayZapp → Choose HDFC Swiggy
• For complete flexibility → Pick AU Bank LIT
• For consistent cashback on all spends → Axis ACE
• For Amazon lovers → ICICI Amazon Pay

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Smart Strategy: Use More Than One

Here’s a smart combo plan:

• Use Airtel Axis for food & groceries
• Use Axis ACE or AU LIT for other spends
• Use Amazon Pay to buy food vouchers with cashback

Together, you maximize rewards across categories — saving ₹1000+ every month.

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FAQ

Q. Which is the best credit card for Swiggy in India (2025)?
Airtel Axis is the best overall. HDFC Swiggy is equally rewarding but limited by PayZapp.

Q. Can I use credit cards directly on Zomato?
Yes, and with cards like Airtel Axis or Axis ACE, you can get real cashback automatically.

Q. What is the best lifetime free credit card for food offers?
ICICI Amazon Pay is LTF and works well via voucher trick on Amazon.

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Final Verdict

In 2025, the clear winner is the Airtel Axis Bank Credit Card for food delivery cashback.

But don’t stop at one. Build a smart combo and you’ll never pay full price on food delivery again.

Looking for the best credit card based on your food & lifestyle habits?
Explore now on Cardmela.com and find your perfect match.