Top Credit Cards for Zomato Offers and Cashback

Many people search for a Zomato credit card, but actually, no official Zomato-branded card exists right now. Instead, some bank credit cards give around 5–10% cashback on food delivery orders.

Also, Zomato’s own Gold membership already provides value, such as free delivery on orders above ₹199 (distance limits apply) and about 30–40% discounts on partner restaurants for dining.

So practically, most users combine both: a cashback credit card for payment + Zomato Gold for delivery and dining offers, which together reduce their food expense more than waiting for a separate Zomato card.

Does Zomato Have Its Own Credit Card?

If I give a direct answer: No, in 2026, Zomato does not offer any active credit card with any bank partnership for new users.

But, previously, Zomato had partnered with RBL Bank and launched Zomato Edition Classic and Zomato Edition Black cards. But as per yourstory media, the partnership officially ended on 15 May 2023, and those cards were discontinued. Existing customers were shifted to another RBL card, and the special Zomato card section was removed from the app.

RBL Bank Zomato Edition Cards Benefits (Discontinued)

Cashback used to come as “Edition Cash” (₹1 = ₹1 value).

Top Active Instant Discount Offers on Zomato (2026)

Current Zomato Alternatives for you: If you are looking for similar benefits today, several banks offer direct Zomato rewards. These are checkout coupon offers; you apply the code while ordering, and the bill is reduced immediately.

Tip: These change frequently. Always check the “Offers” section inside the Zomato app before payment — sometimes flash deals appear only for specific cards.

Top Ongoing Cashback & Reward Cards (Automatic Benefit)

If you have any card from it, Cashback comes later in the statement — no coupon required.

How to Use Zomato + Credit Card + Coupons for Maximum Discount (Real-Life Steps – 2026)

You don’t save money on Zomato by one trick. Real saving happens when you stack offers — restaurant coupon + bank code + cashback card. Do it in this order:

Step-by-step

1. Open restaurant page first = Before adding food, check the top banner. Many restaurants show a special bank offer (like Axis Neo). If your card matches, order from that place only.
2. Select restaurant coupon = Tap “Offers” and apply restaurant code first. If you skip this, later discount becomes smaller.
3. Keep order near minimum value = Example: code works at ₹399 — then order ₹420, not ₹900. Otherwise discount cap finishes and you overpay.
4. Go to checkout → View all coupons = Don’t type code directly. Scroll the list — sometimes hidden bank coupons appear only there.
5. Apply bank card promo code = Enter card code (like AXISNEO etc.). Check if the discount applied before payment. If not, remove items and re-apply.
6. Pay using credit card (not UPI first) = Many bank offers fail on UPI, even RuPay. Enter card details manually; otherwise coupon disappears.
7. Use a cashback card for payment = After instant discount, pay with a cashback card. Then you get “discount on the discounted bill”.
8. Check weekend offers = Friday–Sunday many banks run bigger discounts. Same order may be ₹80–₹150 cheaper on weekend.
9. Use vouchers sometimes = If you find discounted Zomato vouchers on Amazon/Gyftr, buy first and pay using wallet balance — works well for big orders.
10. Save your card in app = Flash deals finish quickly. If your card is already saved, you check out faster and actually get the limited coupon.

Simple real understanding = If you just open the app → order → pay, you save maybe ₹20–₹30. But if you apply a restaurant coupon + bank code + cashback card, you often save ₹150–₹300 on the same food. Small habit change, but big difference monthly.

Note – Sometimes, per deal 1 discount or cashback works.

Premium Dining (Zomato District OR Restaurant Bills)

These offers work when you eat at a restaurant and pay from the Zomato District bill-payment screen, not normal food delivery. This benefits work on the Zomato District app (Zomato’s new platform for dining out and events.

Active Dining Card Offers

How to Actually Use It (Real Way)

1. Book a restaurant from the District tab = You can choose a place showing “Pay via App” or partner dining.
2. Sit and eat normally = After your meal, don’t ask for the card machine immediately. Tell the waiter you will pay through the app.
3. Enter bill amount in Zomato = Open order → tap Pay Bill → type total amount shown on receipt.
4. Apply bank offer = Tap View all offers and select your card code (example: KOTAKSOLITAIRE). You will see a discount before paying.
5. Complete payment with that card = Pay using the same bank card; otherwise discount cancels.

Practical tip: HSBC and ICICI dining offers usually work best on weekends. On weekdays, sometimes a normal cashback card actually saves more, so always check offer screen before paying.

Zomato Gold vs Credit Card Offers — Which Actually Saves More?

Truth is, it’s not one or the other. Gold saves on delivery and small orders, while credit cards give a heavy discount on big bills. Best saving comes when you use both correctly.

1. Basic Difference

2. Real-Life Situations

1) Small frequent orders (₹250–₹400) = Winner → Zomato Gold
If the delivery charge is ₹40–₹70 and you order 4–5 times monthly, Gold alone saves ₹250–₹350. Credit card cashback on a ₹300 order is hardly ₹20–₹30.

2) Big family order (₹800–₹1,500) = Winner → Credit Card
Here bank coupon or 10% cashback saves ₹100–₹150 instantly. Gold helps little unless that restaurant is a partner.

3) Restaurant dining (eating outside) = Winner → Credit Card (District payment)
Dining cards can cut 15–20% from the entire bill. The gold discount is usually smaller compared to the card dining offer.

Best Method (How People Actually Save Most)

Use them together in this order:

1. Activate Gold → delivery free
2. Apply a restaurant coupon
3. Apply the bank credit card code
4. Pay with a cashback card

Then you get a discount on a discount, sometimes 40–50% effective saving.

Will Zomato Launch a Co-Branded Credit Card in 2026 or 2027?

As of Feb 2026, no official announcement exists about a new Zomato credit card. Right now, the company is not moving toward one single dedicated card again.

Instead, Zomato changed its approach:

• They are pushing the District dining platform with partner banks (like Kotak and HSBC)
• They focus more on membership benefits (Zomato Gold)
• And they give rotating bank promo codes (Axis, ICICI, SBI, etc.) so more card users can participate

So unlike earlier, Zomato now earns by partnerships and subscriptions, not by maintaining its own card program.

What this means in real life

If a new card ever launches, it will likely be part of a bigger ecosystem (dining/events), not just a simple food delivery cashback card — and there is no confirmed timeline for 2026 or 2027.

Easemoney practical advice: Don’t wait for a “future Zomato card.” If you want savings today, just use a food-cashback credit card (for example, a 10% food category card) + a Zomato Gold membership. That combination already gives more benefits than the old Zomato card used to give.

FAQs