Deep-Dive Review: ICICI Zomato Credit Card

Community Verdict

[!NOTE] The ICICI Zomato Credit Card is the relaunched (April 2026) co-brand from ICICI Bank and Zomato, built for India’s food-delivery generation. It rewards up to 10% cashback as Zomato Credits on Zomato app orders (capped ₹500/month), 5% on Zomato Pay partner dining (capped ₹300/month), and 2% on Swiggy, Domino’s, and Starbucks app spends (capped ₹250/month). Cardholders also get 1 year of complimentary Zomato Pro Plus membership (free deliveries, no surge fees, priority service) and 1% cashback on all other retail. The card carries a ₹500 + GST joining and annual fee — joining fee waived on ₹30,000 annual spend, annual fee waived on ₹1 Lakh annual spend. Redemption is locked inside the Zomato ecosystem at 1 Credit = ₹1, making this the highest-utility food card in the ₹500 fee band for users who actually order from Zomato regularly.

Pros

• Up to 10% Cashback on Zomato Orders: Highest direct cashback rate on Zomato food delivery among Indian credit cards — 10% as Zomato Credits, capped at ₹500/month in cashback value.
• 5% on Zomato Pay Partner Dining: Up to 5% cashback at partner restaurants including Barbeque Nation, Social, and Biryani Blues; capped ₹300/month.
• 2% on Online Food Apps: 2% cashback on Swiggy, Domino’s, and Starbucks app payments; capped ₹250/month.
• Free Zomato Pro Plus for 1 Year: Complimentary membership worth ₹1,800/year — free deliveries, no surge fees, priority service via Zomato app.
• Low ₹500 Joining & Annual Fee: Joining fee waived on ₹30,000 spend and annual fee waived on ₹1 Lakh spend — the lowest fee tier for a co-brand ICICI card.
• 1% Cashback on All Other Retail: Every other purchase — grocery, shopping, travel, bills — earns 1% Zomato Credits with no monthly cap.
• 1% Fuel Surcharge Waiver: On fuel transactions between ₹400 and ₹4,000 at all fuel stations across India.
• Digital-First Issuance: Apply via the Zomato app or ICICI Bank website; virtual card activated within minutes, physical card follows.
• Zomato Credits are Versatile: Use them for food delivery, dine-out payments, Blinkit grocery, or Zomato Everyday — broader than just delivery.
• Up to ₹500 Welcome Zomato Credits: Welcome bonus credited as Zomato Credits on card activation.
• ₹50,000 Zero Fraud Liability Cover: 100% cover for unauthorized transactions reported within 30 days.
• EMI Conversion: Eligible purchases can be converted into EMIs via iMobile app.

Cons

• No Airport Lounge Access: Zero domestic or international airport lounge visits — common for entry-level co-brand cards.
• Tight Monthly Caps on Top Categories: ₹500 cap on Zomato orders, ₹300 on dining, ₹250 on online food — heavy users hit the ceiling quickly.
• Redemption Locked Inside Zomato: Zomato Credits are usable only on Zomato, Zomato Pay, and Blinkit — not transferable to cash, vouchers, or air miles.
• Statement Credit at ₹0.25/Credit is Poor: Redeeming at the ICICI portal drops value 4× compared to using Zomato Credits in-app — Zomato Credits are the only sensible redemption path.
• 3.5% Forex Markup: Standard ICICI markup — international spending is uneconomical compared to dedicated travel cards.
• 42% APR Cash Advance Interest: 3.5% per month on ATM withdrawals — cash advances should be avoided.
• No Insurance Cover Beyond Fraud Liability: No air accident, travel, or purchase protection insurance on this card.
• Joining Fee Waiver Spend Threshold Tight: ₹30,000 to waive the ₹500 joining fee — modest, but the cap is reached only when Zomato + Blinkit + dining alone might not hit it.

Reward Spends & Categories

The ICICI Zomato Credit Card earns Zomato Credits (worth ₹1/Credit in-app):

Reward Point Redemption Value

Zomato Credits on this card redeem directly inside the Zomato ecosystem:

• Zomato App Redemption (Best Value): 1 Zomato Credit = ₹1 against food delivery, dining, Blinkit, Zomato Everyday.
• Statement Credit (Less Attractive): 1 Zomato Credit ≈ ₹0.25 statement credit equivalent (after ₹99 + GST redemption fee).
• Vouchers / Air Miles: Not supported — Zomato Credits cannot be transferred to vouchers, Air Vistara points, or Air India loyalty.

[!IMPORTANT] Best value is staying inside the Zomato ecosystem — food delivery, dining out, Blinkit orders. Statement credit at ₹0.25 is a 4× value haircut versus in-app redemption.

Annual Milestones & Welcome Benefit

[!IMPORTANT]

• Welcome Benefit: Up to ₹500 Zomato Money on card activation + complimentary Zomato Pro Plus membership for 1 year (worth ₹1,800).
• Joining Fee Waiver: ₹500 + GST reversed on ₹30,000 annual retail spend.
• Annual Fee Waiver: ₹500 + GST reversed on ₹1 Lakh annual retail spend (fuel and rent excluded from the waiver calculation).
• Quarterly Spend Milestone (active offer): ₹100 Zomato Money on ₹20,000 quarterly spend (subject to active Zomato app promotion).

Airport Lounge & Travel Perks

[!IMPORTANT]

• Domestic Airport Lounge: Not included on this card.
• International Airport Lounge: Not included on this card.
• Indian Railway Lounge: Not included on this card.
• Priority Pass: Not included on this card.
• Visa Fast-Track Immigration: Discounted fast-track immigration available via Visa network at 450+ locations worldwide.
• Emergency Card Replacement: Available 24/7 via ICICI customer care.

Fees & Charges — Snapshot

Who Should Get This Card?

Get it if:

• You order from Zomato or Blinkit multiple times a month and want maximum value from those spends
• You dine out at Zomato Pay partner restaurants (Barbeque Nation, Social, Biryani Blues)
• You want a free year of Zomato Pro Plus membership (free deliveries, no surge fees, priority service)
• You prefer Zomato Credits in-app over statement credit or vouchers
• You want a low ₹500 fee card with a simple ₹30K–₹1L waiver path

Skip if:

• You want a versatile cashback card usable for any spend — ICICI Amazon Pay or HDFC Millennia are broader
• You rarely order from Zomato — the 10% / 5% / 2% caps only matter if you actually hit those categories
• You want airport lounge access — pick ICICI Coral (1/quarter), Amazon Pay ICICI (no lounge), or upgrade to Sapphiro
• You travel internationally — 3.5% forex markup is industry-standard but uneconomical
• You want cash-equivalent statement credit at face value — Zomato Credits redemption value at the ICICI portal is only ₹0.25/credit

For official terms, interest rates, and applications, refer to the Bank Reference Page.

For monetization on the side, apply for the ICICI Zomato Credit Card via CredSutra — CredSutra earns a referral commission on approved cards at no cost to you.