RBL Zomato Edition Classic Credit Card Review

By | December 17, 2021
RBL Zomato Credit Card

You might have heard that popular saying that goes something like “There is no such thing as a free lunch“. But here’s a credit card from Zomato & RBL bank that can disprove that statement.

Zomato Edition credit card not only gives you amazing discounts on food, but also gives you the ability to order free food. Here’s everything you need to know about the Zomato Edition Classic credit card.

Joining Fee

Joining Fee500 INR + GST (LTF, as of now)
Welcome Benefit500 INR worth Zomato Credits
Renewal Fee500 INR+GST

You get what you pay (if you pay the fee), as Zomato credits. But never mind, it’s currently being issued as a Lifetime Free card.


Zomato Credit Card
Zomato Credit Card – Design

The card comes in a nice and creamy colour that looks similar to the Elephant Tusk White. While I initially thought that it might attract a lot of dirt, fortunately it didn’t.


Regular rewards

Dining Spends (Zomato)5%
Dining Spends (Anywhere)5%
Birthday Spends10%
Online spends1.5%
Offline spends1%

It’s a neat and simple reward structure as you can see. The rewards at above rate are credited as Edition cash which can be viewed on the Zomato App.

The transaction wise detailed statement of the rewards earned can be seen on the app in a matter of few taps.

The cashback % and the value reflects instantly as soon as you take the transaction. This is an amazing feature to have and its probably the first in industry to introduce such a transparent system.

Zomato Card rewards

Milestone rewards

  • 2000 INR on spending 2L INR (annually)

That’s a nice 1% additional reward rate on top of the existing reward structure. So it’s easy to get rewards as good as 2.5% on online spends, upto 2L spend. And of-course a lot more on dining and birthday spends.

Zomato Pro

Apart from all the rewards, you also get Zomato Pro membership that comes with below features.

Not a fan of it as such, as I wish it also comes with no delivery fee sort of benefit like the Swiggy One. But well, something is better than nothing.

Zomato pro Benefits


It just takes few taps to redeem.

The Edition cash that you earn through credit card spends can then be redeemed for Zomato Credits in a click of a button and it gets available for use, instantly.

These Zomato credits can be used while placing the order on Zomato app and it serves much like real money. You can also use it in conjunction with other Zomato promo codes as well, which is great.

I’ve been ordering free food all through the year using Zomato credits and it works flawlessly.

Onboarding experience

It hardly took me ~3 mins or so when I initially got the card, an year ago. The application takes all the details from Aadhaar card and authenticates it via OTP. 

I’ve never seen such a buttery smooth credit card onboarding experience in my life. These days we have similar experience on Unicard, Slice & other BNPL apps as well, but I would say Zomato was the first to give such an experience, at-least for me.

The good news is, you don’t need to have any relationship with RBL Bank to get the card issued in matter of minutes. It took about a week to deliver the card in hand.

As you might know, ICICI Amazon Pay card too was issued with such an easy onboarding process. However, it’s fast only for the ICICI account holders but here it’s for everyone.

Now I see that video KYC has been added additionally that could increase the process a bit, but overall it would hardly take less than 10 mins for the whole process to be completed.

How to apply?

  • Check out the “Money” tab on Zomato App

Zomato is onboarding customers in phases since past one month or so, on Visa. 

I see most Zomato app users are able to see the invite on the app but just incase if you’re not eligible yet, not to worry, it shouldn’t take more than a month or so for you to be able to apply for one. 

And by that time Zomato Edition black card can also be expected to be ready, along with upgrade offers for existing cardholders.


  • Cardexpert Rating: 4.8/5

RBL Zomato Edition Credit Card is a hidden gem in its current form. It’s an amazing card not only for those who’re new to the world of credit cards but also for the super premium credit cardholders. 

After all, it can give you free food all through the year if you know how to use it, which is not a rocket science anyway.

Make hay while the sun shines 🙂

Do you hold RBL Zomato edition classic or black card? Feel free to share your experiences in the comments below. 

Author: Siddharth

Helping Indians to choose right credit cards, pick right offers and enjoy luxury vacations for less. Day & night exploring the spiritual reality of our human existence.

90 thoughts on “RBL Zomato Edition Classic Credit Card Review

  1. Saurabh

    I got it Life Time Free. I see some other users mentioning the same on the other cardexpert article from an year back.

  2. Ashish Goyal

    Hi Siddarth,

    What do I have to do to make it life time free?
    As per my understanding, I’ve to make total purchases of 2 lacs to get my annual fee waived off per year.

  3. Naveen Swami

    Don’t you feel confused while paying for dining whether to pay with this card vs Dineout app? The Dineout passport + HDFC card offers anywhere between 15%-45% discount on total bill which beats anything else i have seen so far.

    I can admit, for ordering in 5% isn’t bad at all. But then again if you use Swiggy and pay through Amazon Pay Balance (purchased via SmartBuy) it again comes about 15% savings better than 5%.

    So whichever expense I think of this card can’t compete with the already existing options I have, so despite how excited I am to apply for this I fail to see myself making any good use of this one.

    Any thoughts?

    1. Naveen Swami

      Also to add, the banking partner here, RBL is one of the worse ones when it comes to customer service, issue resolution, online and app experience.

    2. Siddharth Post author

      Focus on the 10% instead
      5% is for those small restaurants, not for the fine dining as we’ve enough apps for that to get nice ~40% off.

    3. Sanjit Keshri

      Hi Naveen,
      When you say HDFC, I mean you are referring to Diners Black and Infinia for more discounts but these are difficult to get. Also, consider a restaurant which has no tie-ups with Dineout or EazyDiner. There are few good restaurants which are not in their list (Dineout/EazyDiner). In such cases, this card will come very handy.

  4. Naveen Kumar

    Hi Siddharth, I already hold RBL bank Cookies credit card and RBL Bajaj World Plus card , am I eligible for one more rbl card or can I cancel/migrate any one existing card and convert it to zomota card? If Yes, please how to convert? I didn’t received any invite from zomota or banner popup is also not available in the zomota app.

  5. AG

    I wanted to apply. But was never eligible. Looking forward to the day when it’ll be open for all.

  6. PJ

    Hi Siddharth, are there any caps on the rewards? specially 10% on birthday spends?

  7. Rohit vakaria

    Hi Sid,
    Above is what i found on rbl website currently.

    ‘1.5 Edition Cash on every Rs. 100 spent online or food purchases made on any platform other than Zomato’

    So dining anywhere (not through zomato will be 1.5 Edition Cash on every Rs. 100.
    Also i couldn’t find 10% birthday spend NOW on the website so is it still ON or removed?
    Even the Tnc dont have any mention of birthday spend
    Thanks for the help

    1. Siddharth Post author

      Ignore RBL website info, its outdated. Rely on the info that Zomato shows on the app. I can see on the app what I’ve mentioned, as of now.

  8. Ankur

    What do you mean by “Dining Spends (Anywhere) – 5%”?

    Does it mean 5% cashback on all stand-alone restaurants, restaurants in hotels, dining apps like swiggy, etc?

    1. Siddharth Post author

      Offline restaurants – yes
      Online apps – not tested yet.

      1. Yuvaprasath D

        Kindly let me know,how to redeem the cashback to adjust in our outstanding statement.I tried to adjust the amount in my outstanding but not possible.

        I want to know 10% cashback is on our bday is applicable for all type of spends like offline and online purchase ( rentpay, dineout, Zomato, insurance payment, wallet loading,fuel etc.) or hidden condition is there..

        What about limit cap?

        1. Ravi

          Yes, it’s applicable on EVERYTHING. Spent around 1.5L on my BD, got 15k Zomato Credits. I paid almost everything, insurance dues, bought digital gold, NPS, fuel, topped up wallets (MB, BB, Amazon Pay) etc… whatever was basically due in the next 2-3 months. Zomato is now free for the next 3 months or so. Basic Zomato coupons are still applicable (like TASTY/ZOMATO/etc) while ordering.

          1. Naveen Kumar

            Hi RAVI, What is MB wallet? I never heard about that.

  9. Nikhil

    Great card. I spent 2 lakhs last month to buy a TV & fridge and got 20k zomato credits. Ordering food every weekend with that credits now.

    We’re getting a car next month for wife’s bday. Need to pay 3 Lakhs down payment but her limit is only 1.7L. Do they allow to pay bill same day and release the limit?

    1. Raj

      Hi Nikhil,
      How about paying Rs.1.5 lac down payment by cad this month and settle the bill.
      Then pay Rs.1.5 lac in the next month to get all the credits?.
      Pls tell us how it goes, once you do it.

      1. Nikhil

        Raj, I don’t get you.

        I need to spend on same day, on wife’s bday, on her card to get the benefit.

    2. OP

      You can check with customer support for temporary increase in limit for 1 month.
      In the past I have tried with Yes and HDFC, they gave increased limit for only 1 month.

    1. Manikanta

      I got invite yesterday and applied for it. Approved today with limit of 2.38L

      1. Ravi

        I got invite but can’t see any option to apply in Zomato’s Money tab. My app is updated.

        Anything specific which needs to be done to see option to apply?

  10. Suresh

    Please explain the process you use to get the free food, not sure what you mean exactly

  11. Naveen Kumar

    I wanted to apply zomato edition card, I didn’t received any invite from zomota either banner popup is also not available. I am user of zomato for more than 4 years. I already hold RBL Cookies credit card and RBL Bajaj World Plus card , am I eligible for zomato rbl card or can I migrate by cancelling one by existing card ? If Yes, please how to convert?

    1. Chaitanya

      Call the customer care and ask them to convert/upgrade/change one card to Zomato card. They will be able to do it.

  12. Shashank

    I have been using this card for 6 months now. Loved the transparency of the reward structure as Siddarth has pointed out. This helped out in knowing that a txn at a restaurant was categorised as a hotel (stay) payment probably due to the pos machine used. I received only 1% cashback instead of the 5%. There is a dedicated chat support for the card within the Zomato app and they were able to give the proper cashback within 5 minutes, without asking for any proof or further details. Definitely beats the amex chat support.

  13. Anon

    > I can admit, for ordering in 5% isn’t bad at all. But then again if you use Swiggy and pay through Amazon Pay Balance (purchased via SmartBuy) it again comes about 15%

    What do you mean by this? You pay using Amazon pay for Swiggy through SmartBuy?
    I see a “15% off on Swiggy” in SmartBuy, but that’s only Payzapp card. What am I missing?

    1. Naveen Swami

      If you have either a Diners Black or Infinia you can purchase Amazon pay voucher to pay for swiggy, alternatively you can directly purchase swiggy vouchers as well.

      Both options give you 15% points on transaction value.

        1. Naveen Swami

          Club miles point value for travel redemption is 0.5, so effectively it becomes 7.5% for you

    1. Saurabh

      If you see zomato wallet by RBL bank in ‘Money’ section – you probably are not getting the credit card invite at this time. Saw the same for my wife. You are instead being offered zomato wallet, not sure how useful is that.

      1. Siddharth Post author

        Not exactly. I can see both “Wallet” and “Edition” on my profile.

        1. Saurabh

          Got it. It appears people are getting invite for either wallet or credit card or both. I got only for credit card and my wife got only for zomato wallet.

  14. Tarundeep

    Got the invite yesterday via email from Zomato. Applied for it. Now awaiting V-KYC approval.
    Checked with customer care regarding 10% cashback on birthday. It’s applicable on everything including fuel and insurance premium. The only exception is e wallet loads and cash withdrawal.

  15. Dev

    Got an email from Zomato regarding pre approved edition card LTF waiting for me. Clicked on the link and redirected to Zomato app. After entering pan,dob, address etc it shows unable to issue a credit card now. Also got a sms from cibil instantly. Checked cibil & found an enquiry from Rbl bank. I am already holding a cobranded card from Rbl bank. Called the customer care of Rbl , but they are unable to assist in this regard. Very bad experience, unnecessary cibil enquiry.

    1. Mahesh

      Same for me. After entering details it shows “unable to issue card. Kindly check later…” This is not related to cibil score since I have 800+ score. I think they are rolling out in limited pace.
      But for this if they do Cibil enquiry, then its unnecessary and too bad.
      Btw, are they providing mastercard variant also? Or only Visa? I see mastercard variant for Siddharth.

      1. Siddharth Post author

        I got the MC variant almost an year, before the ban. Now they’re only issuing Visa.

    2. Selvaraj Balakrishnan

      It’s clear! There is no credit card for those who having rbl card already,I think no one here claimed that they existing rbl credit card customer and got approved edition card.

      1. Siddharth Post author

        Some were able to upgrade their existing RBL card to Zomato. You would need to keep escalating.

        1. Naveen Swami

          Can they do that with co-branded cards?
          Especially in this case where it appears process is controlled by Zomato rather than RBL

        2. Dev

          Siddharth, Are you sure about the upgrade? Today I called the customer care for upgrading my existing card. But they replied that cobranded card can not be upgraded to other variant. They even can’t issue another card despite of having good credit limit on existing Rbl card.

        3. Ravi

          I have an RBL Bajaj Finserv SuperCard and still got the Edition Classic. Didn’t need to do anything about it.

      2. Aakash Karnani

        I was holding rbl platinum supercard with 40k limit. Randomly on 24th Dec 11AM called customer care and asked them if they can upgrade to Zomato Edition Classic to which they denied straight away and also got denied for limit enhancement. Later in the afternoon at 2ish got a pop-up from Zomato to apply for the card, applied and did the KYC. At 5.30 in the evening card was visible with a 2.25L limit

      3. Galiveeti Hemakumar Reddy

        I am having RBL credit card more than 3 year (Bajaj super card). Yesterday I got edition classic card. But both are sharing same credit limit.

  16. Sharad bengani

    I have been offered very low credit limit (35,000). My hdfc credit limit is 20x of that. Utilising 10% cashback with such low credit limit isn’t attractive enough

  17. Krishna

    I called them up and asked for joining fee waiver and they did it. Also birthday spend is awesome. I paid rent on birthday and got 10% back. With rent pay charges you are effectively getting 9%. Best part it’s unlimited cashback. Pooled in some 80k spend to get 8000back

  18. Keyur

    Definitely deserves a place in your list of “Best Credit Cards of 2022”

  19. Ritwik

    Does it matter if you are in a T2/T3 city?

    Question being does RBL provide credit cards across India or only in metro like IDFC. Will I be able to see this invite if my zomato is GPS’d to a T2/T3 city?

      1. Darshdeep Singh Grewal

        They are only issuing big credit cards to HNI customers in T2/T3 cities. Normal and co branded credit cards are not available in most of the T2/T3 cities.

  20. Anirban

    Me too got very low limit of only 35k although i got a very high CIBIL and my hdfc and amex card limits are over 20x of what is being offered. Not able to understand the logic of why so low credit limit. Sid – your thoughts?

    1. Siddharth Post author

      This appears to be too low. Most have got in the range of 1L-3L. Unfortunately nothing can be done for next 9 months. Hope they make it as 6 months at-least in future.

      1. Gaurav

        This is exactly what has happened with me too!!
        Had this invite last year, when Zomato rolled out their cards. Ignored then!
        Last week got an option to activate wallet.
        I’ve totally stopped using Zomato, shifted to Swiggy, though I have Zomato pro activated for next 3 yrs😅
        Today again got this invite. Thought of giving it a try this time.
        But to my surprise, after they hit my cibil immediately on entering my PAN and clicking submit, they offered me a limit of a meager 35K😅😂🤣 Don’t really know what’s RBL’s criteria for assigning limit, though once I held one RBL’s LTF card of over 4L limit (closed now)

  21. Mannat Juneja

    Hi Sid,

    I got the card approved, wanted to know if it’s Visa Signature or Platinum.


      1. Prashant Gupta

        I have applied too awaiting VKYC. The lint offered was above 3.5L. Was skeptical earlier but being ltf and zomato pro free membership I decided to apply. Applied for a new card after a long time.

  22. Shiv Duggal

    In birthday date, if I make payment of life or term insurance, will i get 10% cash back? Then I can plan to make these payment from Zomato RBL instead of hdfc infinia….although my insurance premium last date is just before one day of my birthday but i can defer and pay next day still in grace period.

  23. Mihir Mohanty

    “The black premium Edition Credit Card is on invite basis of the bank and currently Zomato is not inviting applications of the same.” This is what I got after chatting with the zomato support.

  24. Amar

    What an amazing process for 10% birthday cashback.
    The moment you make the spend, it shows the 10% cashback availability on Zomato app against the transaction.
    I got it on all – Cred rent, insurance, bill pay et al.
    Keeping the card just for the bday benefit and hoping for upgrade to Black someday.

    1. Siddharth Post author

      Its indeed an amazing experience. Thanks for the additional inputs.

  25. Rajesh

    10% of birthday spend is awesome (much better than IDFC credit card 10x on bday-2.5% still). I got the card exactly on my birthday 😉
    I missed an insurance premium by a day only on zomato RBL CC though (used yes Bank 5x offer there though still thanks to this site info)

    today spent on a restaurant, supposed to get 5% CB but i see only 1% marked on zomato app. Probably might escalate to see if it can change.
    Spent on swiggy (my irony to open first on swiggy than zomato) – got marked as 1.5% CB,

    This definitely makes it to the best cards of 2021/22.

  26. neil

    Do the Zomato credits have any validity i.e., to be used within a certain period?

    1. Rajesh

      Zomato credits/cashback have lifetime validity – it shows on app with those words, but actually the credit card company trickpony/fact is you can use it only on zomato orders, it’s like your Zomato wallet.
      So a 10% or a 5% CB or a 1.5% or 1% CB, is actually worth bit lesser since you can anyway use bank credit cards to get 100-150 discount per order. I initially too thought it could be used to redeem as cash in statement but sadly we cannot.
      I am yet to experiment if i can redeem Zomato credits in combination with the basic discount coupons (like TASTY/ZOMATO/etc) which apply without a credit card.

  27. Deepank

    I could only see the ‘Edition’ card section on Money tab when address selected was of Bangalore. As soon as I changed it to my hometown (T2 city), the option was not visible anymore. Nevertheless, I applied and got approval instantly after V-KYC.

    1. Pavan

      For me after video KYC, it is showing the application under review and will take 1-2 working days.
      Any idea how long it takes before we get the card details?

  28. Purna

    There is a some problem in RBL bank.RBI has appointed person in the board.Please be careful if you have lumpsum amount in account.

  29. Gaurav

    Like many other members, I’m also not able to see the card as preapproved in my Zomato wallet tab despite being a Zomato pro member for > 4 years. Could it be because I hold another co-branded card of RBL? Also in case I wish to apply for the card, should I approach Zomato customer care (if it increases chance of getting LTF) or RBL customer care?

    Best Regards.

  30. Sunny Chauhan

    CARD NO WORKING. Strangely my card has stopped working all of a sudden. I get the OTPs but the transaction is declined every time ! I have ample limit left and still this is happening. Happened all of a sudden. NO idea what to do. Raised multiple complaints through the “help” option in the Edition Section of the Zomato app but the only response i get is we will get back to you in 24-48 hours which never happens. PATHETIC. Otherwise a pretty decent card – especially after being lifetime free and how easy it is to transfer the coins into zomato credits. Cheers !

  31. Manoj P

    Hey Siddharth. Thanks for your article. I have recently got this card. On the zomato app, it shows lifetime free but the application form sent by rbl after issuance of the card shows 1st year free and Rs 500 from 2nd year onwards. I had applied for the card on 4th of Dec this year. Are we entirely certain that this card is lifetime free ?

  32. Shiv Duggal

    Is it worth delaying paying the lic premium to take birthday benefit. I have few policies due around 36000 on 28th Dec, grace period will be till one month i.e. 27th Jan….my birthday is on 25 Feb…..so if i need to pay these policies then, it means policies will be lapsed but can be revived by paying 1% interest, so even then will save 9% it I pay by RBL card….bust question is …..is it advisable to go to this extent??

  33. Deepak Kumar

    I had applied for this card a week back, but it is still showing “Finalising your card details. This might take a couple of minutes”.

  34. Prashant Gupta

    The card issue experience was really fast from application online to delivery everything in 3-4 days.

    Can anyone confirm the forex charges? Is it 1.5%.

  35. Prashant Gupta

    I got Zomato Pro plus invite too. For Rs300 unlimited free delivery for a year. That’s nice. So they want customers to be truly involved in Ordering through Zomato and that through their cards. Nice marketing and thinking.

    1. Siddharth Post author

      That’s cool. I’m on other side getting Rs.9 per delivery offer for all deliveries past couple of months, which I think is good too.

  36. Nandhakumar

    @sid or anyone
    I have rbl maxima credit card and how to get Zomato card I can’t show apply in Zomato app how to trigger the application in app anyone know please tel me

  37. Ashish

    The application process and virtual card issuance was smooth. They sent the physical card through Delhivery which as usual was slow with its delivery. I intend to mainly use this card for birthday spends offer (Infinia and Amex MRCC covers my spends so regular spends on this card will not be needed). Any idea if around 50-60k NPS payment will create any issues?

    1. Ravi

      I’ve done 50K (In fact 1L me & my wife, same card) NPS with both Infinia & this card. No issues so far. I think that’s a very nominal usage. Nothing out of the ordinary.


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