Love Ordering Food? Here’s How a Credit Card Can Save You Thousands Without Cutting Your Cravings. It’s a lazy Sunday afternoon. You’re curled up on the couch, scrolling through Swiggy or Zomato. The biryani looks tempting, and that creamy pasta is just a tap away. You add items to your cart—and just when you’re ready to place the order, you see that final bill. Delivery charges. Platform fees. Taxes. Suddenly, your ₹400 meal costs ₹600. Now imagine if a simple credit card could knock off those extras, offer cashbacks, and even unlock free memberships. No guilt, no extra charges—just pure savings with every bite. Let’s take a look at four credit cards that foodies absolutely love—and compare how they stack up when it comes to annual fee, dining benefits, online food deals, and bonus perks.
1. Swiggy HDFC Bank Credit Card
- Annual Fee: ₹500 + GST (can be waived if member is spending ₹2 lakhs a year)
- Swiggy Perks: Flat 10% cashback on food orders, Instamart, Genie
- Bonus: 3-month Swiggy One membership free (worth ₹299)
- How it saves: If you spend ₹2,000/month on Swiggy, you can save ₹200 every month through cashback. That’s ₹2,400 a year. Add ₹1,200 in delivery fee savings through Swiggy One and you’re already ₹3,600 richer—just by using the right card.
2. Axis Bank My Zone Credit Card
- Annual Fee: ₹500 (waived on ₹2L spend)
- Zomato Offer: 40% off every weekend (up to ₹120 per order)
- Bonus: Free Zomato Pro membership for 6 months
- How it saves: Ordering every weekend? That’s ₹480/month saved, or ₹5,760/year—just on food. Zomato Pro helps you skip delivery and extra charges. All this for a card that practically pays for itself.
3. HDFC Diners Club Privilege Credit Card
- Annual Fee: ₹2,500 (waived on ₹3L spend)
- Dining Discounts: Up to 15% off at premium restaurants
- Online Benefits: Offers via SmartBuy & Dineout
- Bonus: Free memberships like Swiggy One or Dineout Passport
- How it saves: If you fulfill your appetite twice a month at ₹1,000 per meal? You save ₹300/month or ₹3,600/year. By fetching online deals, free memberships, and occasional cashback—your food budget suddenly looks leaner, without compromising taste.
Also read: SBI vs. ICICI Credit Cards—Which One Is Actually Worth Your Wallet?
4. HDFC Bank Millennia Credit Card
- Annual Fee: ₹1,000 (waived on ₹1L spend)
- Cashback: 5% on partner platforms including Swiggy/Zomato
- Other Perks: Decent rewards on Amazon, Flipkart, etc.
- How it saves: ₹24,000 in food orders a year = ₹1,200 cashback + ~₹1,000 in delivery savings. This is ideal if you shop and eat online frequently but don’t want to splurge on high-fee cards.
| Credit Card | Annual Fee | Dining Offers | Online Food Delivery Offers | Complimentary Membership |
| Swiggy HDFC Bank Credit Card | ₹500 + GST (waived at ₹2L spend) | NA | 10% cashback on Swiggy, Instamart, Genie | 3 months Swiggy One (₹299 value) |
| Axis Bank My Zone Credit Card | ₹500 (waived at ₹2L spend) | NA | 40% off on Zomato orders (Weekends, up to ₹120/order) | 6 months Zomato Pro |
| HDFC Diners Club Privilege Credit Card | ₹2,500 (waived at ₹3L spend) | Up to 15% off at partner restaurants | Offers via HDFC SmartBuy & Dineout | Swiggy One / Dineout Passport |
| HDFC Bank Millennia Credit Card | ₹1,000 (waived at ₹1L spend) | NA | 5% cashback on Zomato, Swiggy (via partner platform) | NA |
The Real Picture
Ordering food online today isn’t a luxury—it has become a habit, a lifestyle. But every time you click Place Order without the right credit card, you’re likely paying ₹100–₹200 more than necessary. Over a year, that’s ₹4,000–₹6,000 down the drain. But with one of these food-focused credit cards, that money comes back into your pocket. You not only save on food, but also earn rewards, get free deliveries, and enjoy premium memberships—all for a modest annual fee that often gets waived anyway.
Written by Roshni Mohinani
