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Zomato Edition Credit Card Review

Zomato Edition Credit Card

RBL and Zomato had launched Edition Classic credit cards in 2020, but it’s only now that they are marketing these credit cards aggressively. In fact, the Zomato app has a separate tab for the Edition credit card. How good is this credit card? Should you apply for it? Read to find out.

Zomato Edition Credit Card

Edition Credit Card

Fees and Eligibility

  • Joining and annual fee of 500 + GST.
  • Currently offered as LTF on the Zomato app.

Rewards and Benefits:

  • Joining Benefits:
    • 500 Zomato edition cash on the paid variant.
  • Recurring Benefit:
    • 2000 Edition cash on annual spends of 2lk in a year (1% reward rate)
  • Reward Points:
    • 5% cashback on all spending thru the Zomato app
    • 5% cashback on all spending at any restaurant
    • 1.5% cashback on all websites and app
    • 1% cashback on physical stores including fuel
    • 10% cashback on all spends on your birthday

Applying for the Zomato Edition credit card

The application process is quite smooth. It’s a complete online/digital process. I applied thru the app itself, entered my basic details and the card was approved almost instantly. The next day, thru video KYC the bank collected photos of documents and received the physical card in the next 3-5 days. One strange thing is unless you have the physical card with you, you cannot enable the card in the Zomato app.

That being said, how to be eligible for the card remains a mystery. I don’t know any sure-shot way of getting this credit card. Some pointers may be, I use Zomato only a few times in a month around 2-4 times and always pay thru a credit card. Don’t remember, if I have ever paid by cash for any order.

Comparing the Zomato Edition credit card with Axis Ace

I decided to compare the Zomato Edition credit card with Axis Ace for a simple reason. Axis Ace offers 4% cashback on Zomato and Swiggy purchases.

In the sample comparison done below, the Zomato Edition credit card gives a reward rate of 5% against Axis Ace’s 2.6%. However, if I were to remove, the birthday spending; the reward rate on Zomato card declines to 2.4% the same as that of Axis Ace.  Thus, the key differentiator of the Zomato credit card is 10% cashback on birthday spending.

As of now, the 10% cash back applies to all spends done on your birthday without any cap. Thus if someone has a large insurance premium payment or say a large ticket purchase, do it on your birthday to enjoy a cool 10% cashback in form of Zomato cashback. The only drawback is cashback is in form of Zomato’s Edition cashback not actual cashback.

Another area where Zomato credit card can be useful is 5% cashback on all dining places. Therefore, this will work on all restaurants based on the MCC code issued by Visa.

Redemption process

Post the transaction you get to see the cashback against each transaction and also the total cashback. With a few simple clicks, you can redeem the cashback against future orders. The good thing as of now is that one can redeem the cashback on any order along with other banks’/cards’ offers too. Not sure if this feature will be available for long.

No signs of Zomato Edition Black credit card

When the Zomato Edition credit cards were launched in 2020, two credit cards were launched. Zomato Edition Classic credit card – the one that is issued to everyone as of now. Another card was a Zomato Edition credit card with a black colour design on it (discussed here). The highlight of that card is a cool 10% cashback on all Zomato orders. Not sure, what is Zomato is thinking here. Maybe they are redesigning the product features, as the 10% cashback on birthday offer was there when the cards were launched in 2020. Let’s hope that the higher variant is offered as an upgrade to existing Zomato credit card users in near future. 😃


Zomato Edition credit card is a basic card. The best features on the card are 10% cashback on all spending on birthday (😈) and 5% off on physical dining. The restricted redemption remains a major drawback.

I applied for the Zomato Edition credit card only because it is an LTF card, else I wouldn’t have applied. I won’t suggest anyone take this card unless this is like a 3rd or 4th credit card for you. i.e. to be used only in case of specific offers and selected use cases.

What are your thoughts on Zomato Edition credit cards? Have you figured out how to get the invite? Any updates on Zomato Black Edition card? Do share in the comments section below.

Photo by Mae Mu on Unsplash


  1. Hiren

    Like the review

    • Vaibhav Singhvi

      Ohhh.. i was thinking to apply but i have applied for axis myzone received 1 week back n have applied for bob too was of LTF, thank for posting a review i won’t apply cause it will 8th card ..may be in the near future

  2. Hiren

    Hi, Can You write in details about limits of Use while having more then 01 Axis Credit cards.thanks

  3. Its a good card only if u get it as LTF Card and regularly order through Zomato, most of the times you get better offers on other cards but sometimes its useful mainly when u pay in restaurants via Zomato Pro/Plus and on your Birthdays.

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