Category
Zomato
Ordering on Zomato, or on District for tickets. Cards that pick Zomato as a partner rarely pay the same at Swiggy.
No card in your wallet earns rewards on zomato yet.
When you add a card that does, it will rank here automatically.
Best in market
Zomato is the clearest illustration of a cap deciding the winner. The 10% here is real but it stops at ₹200 a month, so the 5% card pays more from about ₹2,000 of monthly food onward. · Top-tier picks from the whole Indian market, researched 11 Aug 2026.
Axis Bank Airtel
10% on Zomato, the highest rate, but only on the first ₹2,000 a month
₹500 + GST, waived on ₹2L a year
If your Zomato spending is light and regular this is the best rate available and the card is cheap. Order twice a month and you take the full benefit.
The ₹200 a month cashback ceiling is the whole story and it is reached at ₹2,000 of spend. Past that you earn nothing further, so a big weekend of ordering is unrewarded.
HDFC Bank Millennia
Half the rate but ten times the headroom, which wins for most people
₹1,000 + GST, waived on ₹1L a year
The 1,000 CashPoint monthly cap allows roughly ₹20,000 of spend, so anyone ordering more than about ₹2,000 of Zomato a month earns more in absolute rupees here than at 10% on the Airtel card.
That cap is shared with nine other partner merchants, so Amazon and Flipkart spending competes with your food orders for the same pot.
Your wallet · Zomato
What this category is actually worth
The same checks as the wallet page, narrowed to all 0 cards that earn on zomato. Set a monthly figure for it in to put rupees on these.
Earnings here
What each card would return on zomato at your spend. raw rates, before caps.
Every card in your wallet is excluded from zomato. See the reasons in the table above.
Milestone progress
Milestones on these cards, against your total spend routed to one card.
None of the cards that earn here has a milestone.
Fee check: does each card pay for itself?
Value is still counted across your whole wallet, not just this category. a card earns its fee wherever it wins. Waivers are not assumed.
| Card | Fee | Value/yr | Verdict |
|---|
Where the market beats your wallet
Your best card against the top pick in Best in market, just above. The numbers only, since the pick itself is already on this page.
No market pick with a comparable rate for this category yet.