Best card by app
Best credit card for Zomato
Reviewed by Chandan Kumar Dash · Card terms as of 6 October 2026
Quick answer. For ₹5,000 a month on Zomato, HSBC Live+ returns about ₹6,000 a year, or ₹5,001 after its ₹999 annual fee. With no annual fee, CheQ AU returns ₹3,600 a year.
Most back at ₹5,000 a month HSBC Live+ ₹5,001 a year after the fee Most back at ₹15,000 a month HSBC Live+ ₹13,941 a year after the fee Best with no annual fee CheQ AU ₹3,600 a year
Pick your monthly Zomato spend
₹1,000 ₹2,000 ₹3,000 ₹5,000 ₹7,500 ₹10,000 ₹15,000 ₹20,000 ₹30,000
₹2,000 a month on Zomato # Card Rewards a year Annual fee Net a year Link 1 HSBC RuPay Cashback HSBC India ₹2,400 ₹499 ₹1,901 Apply 2 Airtel Axis Bank Axis Bank ₹2,400 ₹500 ₹1,900 Apply 3 CheQ AU AU Small Finance Bank ₹1,440 Free ₹1,440 Bank page 4 HSBC Live+ HSBC India ₹2,400 ₹999 ₹1,401 Apply 5 Cookies RBL Bank ₹2,400 ₹1,200 ₹1,200 Apply 6 Fibe Axis Bank Axis Bank ₹720 Free ₹720 Bank page 7 HDFC Bank PIXEL Play HDFC Bank ₹1,200 ₹500 ₹700 Apply 8 Zaggle AU Small Finance Bank ₹480 Free ₹480 Apply 9 Scapia Axis Bank Axis Bank ₹480 Free ₹480 Apply 10 Kotak 811 Dream Different Kotak Mahindra Bank ₹480 Free ₹480 Bank page
₹3,000 a month on Zomato # Card Rewards a year Annual fee Net a year Link 1 HSBC RuPay Cashback HSBC India ₹3,600 ₹499 ₹3,101 Apply 2 HSBC Live+ HSBC India ₹3,600 ₹999 ₹2,601 Apply 3 Cookies RBL Bank ₹3,600 ₹1,200 ₹2,400 Apply 4 CheQ AU AU Small Finance Bank ₹2,160 Free ₹2,160 Bank page 5 Airtel Axis Bank Axis Bank ₹2,520 ₹500 ₹2,020 Apply 6 HDFC Bank PIXEL Play HDFC Bank ₹1,800 ₹500 ₹1,300 Apply 7 Fibe Axis Bank Axis Bank ₹1,080 Free ₹1,080 Bank page 8 Kotak Cashback+ Kotak Mahindra Bank ₹1,800 ₹750 ₹1,050 Apply 9 Kotak Cashback+ Prime Kotak Mahindra Bank ₹1,800 ₹750 ₹1,050 Bank page 10 Axis Bank ACE Axis Bank ₹1,440 ₹499 ₹941 Apply
₹5,000 a month on Zomato # Card Rewards a year Annual fee Net a year Link 1 HSBC Live+ HSBC India ₹6,000 ₹999 ₹5,001 Apply 2 HSBC RuPay Cashback HSBC India ₹4,800 ₹499 ₹4,301 Apply 3 CheQ AU AU Small Finance Bank ₹3,600 Free ₹3,600 Bank page 4 Cookies RBL Bank ₹3,840 ₹1,200 ₹2,640 Apply 5 HDFC Bank PIXEL Play HDFC Bank ₹3,000 ₹500 ₹2,500 Apply 6 Airtel Axis Bank Axis Bank ₹2,760 ₹500 ₹2,260 Apply 7 Kotak Cashback+ Kotak Mahindra Bank ₹3,000 ₹750 ₹2,250 Apply 8 Kotak Cashback+ Prime Kotak Mahindra Bank ₹3,000 ₹750 ₹2,250 Bank page 9 PhonePe HDFC Bank Ultimo HDFC Bank ₹3,000 ₹999 ₹2,001 Apply 10 Jalsa RBL Bank ₹3,000 ₹999 ₹2,001 Bank page
₹7,500 a month on Zomato # Card Rewards a year Annual fee Net a year Link 1 HSBC Live+ HSBC India ₹9,000 ₹999 ₹8,001 Apply 2 CheQ AU AU Small Finance Bank ₹5,400 Free ₹5,400 Bank page 3 HSBC RuPay Cashback HSBC India ₹4,800 ₹499 ₹4,301 Apply 4 HDFC Bank PIXEL Play HDFC Bank ₹4,500 ₹500 ₹4,000 Apply 5 Kotak Cashback+ Kotak Mahindra Bank ₹4,500 ₹750 ₹3,750 Apply 6 Kotak Cashback+ Prime Kotak Mahindra Bank ₹4,500 ₹750 ₹3,750 Bank page 7 PhonePe HDFC Bank Ultimo HDFC Bank ₹4,500 ₹999 ₹3,501 Apply 8 Jalsa RBL Bank ₹4,500 ₹999 ₹3,501 Bank page 9 Axis Bank Cashback Axis Bank ₹4,500 ₹1,000 ₹3,500 Apply 10 HDFC Millennia HDFC Bank ₹4,500 ₹1,000 ₹3,500 Apply
₹10,000 a month on Zomato # Card Rewards a year Annual fee Net a year Link 1 HSBC Live+ HSBC India ₹12,000 ₹999 ₹11,001 Apply 2 CheQ AU AU Small Finance Bank ₹7,200 Free ₹7,200 Bank page 3 HDFC Bank PIXEL Play HDFC Bank ₹6,000 Free ₹6,000 Apply 4 HDFC Millennia HDFC Bank ₹6,000 Free ₹6,000 Apply 5 Kotak Cashback+ Kotak Mahindra Bank ₹6,000 ₹750 ₹5,250 Apply 6 Kotak Cashback+ Prime Kotak Mahindra Bank ₹6,000 ₹750 ₹5,250 Bank page 7 PhonePe HDFC Bank Ultimo HDFC Bank ₹6,000 ₹999 ₹5,001 Apply 8 Jalsa RBL Bank ₹6,000 ₹999 ₹5,001 Bank page 9 Axis Bank Cashback Axis Bank ₹6,000 ₹1,000 ₹5,000 Apply 10 PhonePe SBI Card SELECT BLACK SBI Card ₹6,000 ₹1,499 ₹4,501 Bank page
₹15,000 a month on Zomato # Card Rewards a year Annual fee Net a year Link 1 HSBC Live+ HSBC India ₹14,940 ₹999 ₹13,941 Apply 2 CheQ AU AU Small Finance Bank ₹10,800 Free ₹10,800 Bank page 3 HDFC Millennia HDFC Bank ₹9,000 Free ₹9,000 Apply 4 Kotak Cashback+ Kotak Mahindra Bank ₹9,000 ₹750 ₹8,250 Apply 5 Kotak Cashback+ Prime Kotak Mahindra Bank ₹9,000 ₹750 ₹8,250 Bank page 6 Axis Bank Cashback Axis Bank ₹9,000 ₹1,000 ₹8,000 Apply 7 PhonePe SBI Card SELECT BLACK SBI Card ₹9,000 ₹1,499 ₹7,501 Bank page 8 Flipkart SBI Card SBI Card ₹7,200 ₹500 ₹6,700 Apply 9 HDFC Bank PIXEL Play HDFC Bank ₹6,600 Free ₹6,600 Apply 10 Axis Bank ACE Axis Bank ₹6,450 ₹499 ₹5,951 Apply
₹20,000 a month on Zomato # Card Rewards a year Annual fee Net a year Link 1 HSBC Live+ HSBC India ₹15,840 Free ₹15,840 Apply 2 CheQ AU AU Small Finance Bank ₹14,400 Free ₹14,400 Bank page 3 HDFC Millennia HDFC Bank ₹12,000 Free ₹12,000 Apply 4 Axis Bank Cashback Axis Bank ₹12,000 ₹1,000 ₹11,000 Apply 5 PhonePe SBI Card SELECT BLACK SBI Card ₹12,000 ₹1,499 ₹10,501 Bank page 6 Kotak Cashback+ Kotak Mahindra Bank ₹9,300 Free ₹9,300 Apply 7 Kotak Cashback+ Prime Kotak Mahindra Bank ₹9,300 Free ₹9,300 Bank page 8 Flipkart SBI Card SBI Card ₹9,600 ₹500 ₹9,100 Apply 9 Axis Bank ACE Axis Bank ₹7,350 Free ₹7,350 Apply 10 Fibe Axis Bank Axis Bank ₹7,200 Free ₹7,200 Bank page
₹30,000 a month on Zomato # Card Rewards a year Annual fee Net a year Link 1 CheQ AU AU Small Finance Bank ₹21,600 Free ₹21,600 Bank page 2 HSBC Live+ HSBC India ₹17,640 Free ₹17,640 Apply 3 Axis Bank Cashback Axis Bank ₹18,000 ₹1,000 ₹17,000 Apply 4 Flipkart SBI Card SBI Card ₹14,400 Free ₹14,400 Apply 5 HDFC Millennia HDFC Bank ₹13,200 Free ₹13,200 Apply 6 PhonePe SBI Card SELECT BLACK SBI Card ₹12,000 Free ₹12,000 Bank page 7 Fibe Axis Bank Axis Bank ₹10,800 Free ₹10,800 Bank page 8 Hello Cashback IDFC FIRST Bank ₹10,800 Free ₹10,800 Apply 9 PVR INOX Kotak Kotak Mahindra Bank ₹10,800 ₹499 ₹10,301 Bank page 10 Kotak Cashback+ Kotak Mahindra Bank ₹9,900 Free ₹9,900 Apply
Rewards a year: what the card pays back on Zomato alone, counting monthly caps. Net: rewards minus the annual fee. Many fees are waived once your total yearly spend on the card crosses the bank's limit; see each card's page.
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Questions Which credit card gives the most back on Zomato? At ₹5,000 a month, HSBC Live+ gives the most after its annual fee: about ₹5,001 a year. The answer changes with how much you spend, because most cards cap their extra rewards each month.
Is there a lifetime free card for Zomato? CheQ AU charges no annual fee and returns about ₹3,600 a year on ₹5,000 a month of Zomato spends.
How does Saifu work these figures out? Each card's reward rules, caps and exclusions from its bank's terms are run on three months of Zomato spends at each amount, then scaled to a year. Only Zomato spends count towards the caps here; if your other spends share the same cap, you get less.
See also: best cards by type , find a card for all your spends , compare two cards .