Food delivery doesn't get its own dedicated reward category on most cards, it usually rides inside a broader "online spends" or "select merchants" bucket. That makes the "best card for Swiggy and Zomato" question less about finding a specialist card and more about knowing which of your general online-spend cards actually includes these two merchants, and where the cap kicks in.

What the main contenders actually pay

The mistake most people make isn't picking a bad card, it's defaulting to whichever card they used last time instead of checking which one still has cap room left this cycle, or whether a bank-specific Swiggy/Zomato promo is running that month. These promos rotate monthly and don't always favour the card you'd expect.

Worth flagging on the CheQ AU Credit Card specifically: Zomato is explicitly named in AU Bank's top reward tier alongside Amazon, Flipkart, and BigBasket, but Swiggy isn't called out the same way, it appears to sit in the card's broader "food delivery" category instead, which earns a meaningfully lower rate. If you're routing Swiggy orders through this card expecting Zomato-level rewards, that's a gap worth checking against current terms before you assume the two are treated the same. Also note the top-tier rate only applies when the spend is routed through the CheQ app itself, not a direct swipe at checkout.

How to actually pick, in order

1. Check if there's an active bank promo on Swiggy or Zomato this month, these frequently beat the standing cashback rate on any card.

2. If no promo is running, use whichever eligible card still has cap room left in this billing cycle.

3. Once a card hits its monthly cap on food delivery, switch to your next-best card rather than continuing to earn 0-1% on it.

FAQ

Does HDFC Millennia give cashback on Swiggy and Zomato? Yes, typically as part of its broader online-spends cashback category, though the exact rate and cap should be checked on your current statement since HDFC periodically revises the partner merchant list.

Is SBI Cashback Card good for food delivery? Generally yes, it's built around flat online-spend cashback without narrow category restrictions, which makes it a reliable default for food delivery apps, subject to its monthly cap.

Does the CheQ AU Credit Card reward Swiggy and Zomato the same way? Not necessarily. Zomato is named directly in the card's top reward tier, while Swiggy appears to fall under a broader, lower-earning food delivery category, and the higher rate only applies when the order is placed through the CheQ app rather than paid directly at checkout. Confirm current terms before assuming both apps earn identically.

If you're juggling four cards now and don't want to manually check which one has cap room left, or whether Swiggy and Zomato are actually earning the same rate this month, that's exactly the kind of real-time check Wisor handles for you.