Love Ordering Meals? Right here’s How a Credit score Card Can Save You Hundreds With out Chopping Your Cravings. It’s a lazy Sunday afternoon. You’re curled up on the sofa, scrolling by means of Swiggy or Zomato. The biryani appears tempting, and that creamy pasta is only a faucet away. You add gadgets to your cart—and simply whenever you’re prepared to put the order, you see that ultimate invoice. Supply fees. Platform charges. Taxes. Immediately, your ₹400 meal prices ₹600. Now think about if a easy bank card may knock off these extras, provide cashbacks, and even unlock free memberships. No guilt, no additional fees—simply pure financial savings with each chew. Let’s check out 4 bank cards that foodies completely love—and evaluate how they stack up in the case of annual charge, eating advantages, on-line meals offers, and bonus perks.
1. Swiggy HDFC Financial institution Credit score Card
- Annual Price: ₹500 + GST (might be waived if member is spending ₹2 lakhs a 12 months)
- Swiggy Perks: Flat 10% cashback on meals orders, Instamart, Genie
- Bonus: 3-month Swiggy One membership free (price ₹299)
- The way it saves: In case you spend ₹2,000/month on Swiggy, it can save you ₹200 each month by means of cashback. That’s ₹2,400 a 12 months. Add ₹1,200 in supply charge financial savings by means of Swiggy One and also you’re already ₹3,600 richer—simply by utilizing the correct card.
2. Axis Financial institution My Zone Credit score Card
- Annual Price: ₹500 (waived on ₹2L spend)
- Zomato Supply: 40% off each weekend (as much as ₹120 per order)
- Bonus: Free Zomato Professional membership for six months
- The way it saves: Ordering each weekend? That’s ₹480/month saved, or ₹5,760/12 months—simply on meals. Zomato Professional helps you skip supply and further fees. All this for a card that virtually pays for itself.
3. HDFC Diners Membership Privilege Credit score Card
- Annual Price: ₹2,500 (waived on ₹3L spend)
- Eating Reductions: As much as 15% off at premium eating places
- On-line Advantages: Provides by way of SmartBuy & Dineout
- Bonus: Free memberships like Swiggy One or Dineout Passport
- The way it saves: In case you fulfill your urge for food twice a month at ₹1,000 per meal? You save ₹300/month or ₹3,600/12 months. By fetching on-line offers, free memberships, and occasional cashback—your meals finances all of a sudden appears leaner, with out compromising style.
Additionally learn: SBI vs. ICICI Credit score Playing cards—Which One Is Truly Price Your Pockets?
4. HDFC Financial institution Millennia Credit score Card
- Annual Price: ₹1,000 (waived on ₹1L spend)
- Cashback: 5% on associate platforms together with Swiggy/Zomato
- Different Perks: First rate rewards on Amazon, Flipkart, and so on.
- The way it saves: ₹24,000 in meals orders a 12 months = ₹1,200 cashback + ~₹1,000 in supply financial savings. That is excellent in the event you store and eat on-line regularly however don’t wish to splurge on high-fee playing cards.
| Credit score Card | Annual Price | Eating Provides | On-line Meals Supply Provides | Complimentary Membership |
| Swiggy HDFC Financial institution Credit score Card | ₹500 + GST (waived at ₹2L spend) | NA | 10% cashback on Swiggy, Instamart, Genie | 3 months Swiggy One (₹299 worth) |
| Axis Financial institution My Zone Credit score Card | ₹500 (waived at ₹2L spend) | NA | 40% off on Zomato orders (Weekends, as much as ₹120/order) | 6 months Zomato Professional |
| HDFC Diners Membership Privilege Credit score Card | ₹2,500 (waived at ₹3L spend) | As much as 15% off at associate eating places | Provides by way of HDFC SmartBuy & Dineout | Swiggy One / Dineout Passport |
| HDFC Financial institution Millennia Credit score Card | ₹1,000 (waived at ₹1L spend) | NA | 5% cashback on Zomato, Swiggy (by way of associate platform) | NA |
The Actual Image
Ordering meals on-line immediately isn’t a luxurious—it has grow to be a behavior, a life-style. However each time you click on Place Order with out the correct bank card, you’re doubtless paying ₹100–₹200 greater than vital. Over a 12 months, that’s ₹4,000–₹6,000 down the drain. However with one in every of these food-focused bank cards, that cash comes again into your pocket. You not solely save on meals, but additionally earn rewards, get free deliveries, and revel in premium memberships—all for a modest annual charge that usually will get waived anyway.
Written by Roshni Mohinani
