All categories
Cards ranked for food delivery
By effective returnmiles · base rate fallback · excl. rent, fuel, utility, insurance, wallet load, education, govt payments
7%
cap: none
Verifiedmiles · base rate fallback · excl. rent, fuel, utility, insurance
4%
cap: none
VerifiedAbout food delivery rewards
Orders on Swiggy, Zomato, and other food delivery platforms. Most transactions in this category route through merchant category codes 5812, 5814, which is how reward rules identify them. The Axis Bank MY Zone leads for food delivery today at 24% effective return.
What you would earn
Example calculationA ₹1,200 food delivery purchase
₹288 reward
Axis Bank MY Zone, 24% effective cashback. Once you cross ₹240 of reward this month, the rule stops paying.
Frequently asked
5 questionsWhich credit card earns the most on food delivery in India?
The Axis Bank MY Zone earns 24% effective return on food delivery, the highest of the 8 cards Tapwise tracks in this category. Reward is capped at ₹240 per month.
Which MCC codes count as food delivery?
Tapwise treats merchant category codes 5812, 5814 as food delivery when matching reward rules. Card networks assign the MCC at the merchant level, so the same purchase will be tagged the same way across cards.
How many food delivery cards have a category-specific reward?
2 of the 8 ranked cards have a rule specifically for food delivery. The rest fall back to their base rate at this category.
Which merchants count as food delivery on Tapwise?
Common food delivery merchants include Swiggy, Zomato. See the merchant list on this page for the full set; each has its own dedicated reward breakdown.
How often does Tapwise update food delivery reward data?
Reward rules are re-checked weekly against issuer documents. The "verified" badge on a card means the rule was hand-reviewed; "approximate" means our team is still finalising it and we use conservative defaults so users see at least as much reward as we promise.