Best Dining & Food Delivery Credit Cards in India 2026
Accelerated rewards on restaurants, Swiggy and Zomato — compared on real earn value after caps. We compared 80 credit cards (including 17 lifetime free cards) on real net value after applying fees, reward caps, and exclusions.
Google Pay Flex Axis Bank Credit Card
15.0% effective earn on dining
Google Pay Flex Axis Bank Credit Card
Annual Fee
Free
Headline Rate
15% on dining
CheQ AU Credit Card
Annual Fee
Free
Headline Rate
12x on amazon
Swiggy HDFC Bank Credit Card
Annual Fee
₹500
Headline Rate
10% on dining
Airtel Axis Bank Credit Card
Annual Fee
₹500
Headline Rate
25% on utilities
HSBC Live+ Credit Card
Annual Fee
₹999
Headline Rate
10% on dining
RBL Bank Icon Credit Card
Annual Fee
₹5,000
Headline Rate
20x on travel
Axis Bank ACE Credit Card
Annual Fee
₹499
Headline Rate
5% on utilities
Flipkart Axis Bank Credit Card
Annual Fee
₹500
Headline Rate
5% on flipkart
YES First Business Card
Annual Fee
₹999
Headline Rate
16x on dining
BOBCARD Tiara
Annual Fee
Free
Headline Rate
15x on dining
HDFC Diners Club Privilege Credit Card
Annual Fee
₹1,000
Headline Rate
10x on dining
HDFC Bank UPI RuPay Credit Card
Annual Fee
₹99
Headline Rate
3% on groceries
Axis Bank Pride Signature Credit Card
Annual Fee
₹500
Headline Rate
15x on dining
PNB RuPay Metal LUXURA Credit Card
Annual Fee
₹7,500
Headline Rate
12x on travel
PNB Visa Metal LUXURA Credit Card
Annual Fee
₹1,999
Headline Rate
12x on travel
HDFC MoneyBack+ Credit Card
Annual Fee
₹500
Headline Rate
2.5% on amazon
RBL Bank Platinum Maxima Plus Credit Card
Annual Fee
₹2,500
Headline Rate
10x on dining
BOBCARD Premier
Annual Fee
Free
Headline Rate
10x on dining
Central Bank of India SBI Card Prime
Annual Fee
₹2,999
Headline Rate
10x on dining
UCO Bank SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
20x on utilities
UCO Bank SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
10x on dining
PSB SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
20x on utilities
PSB SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
10x on dining
HDFC Diners Club Black Metal Edition Credit Card
Annual Fee
₹10,000
Headline Rate
6.67x on dining
AU CA Metal Credit Card
Annual Fee
Free
Headline Rate
8x on dining
AU CS Credit Card
Annual Fee
Free
Headline Rate
8x on dining
YES Prosperity Business Card
Annual Fee
₹499
Headline Rate
8x on dining
IndianOil Kotak Credit Card
Annual Fee
₹449
Headline Rate
5% on fuel
IndusInd EazyDiner Credit Card
Annual Fee
₹2,999
Headline Rate
10x on dining
Jupiter Edge Federal Bank VISA Credit Card
Annual Fee
₹999
Headline Rate
2% on dining
Central Bank of India SimplySave SBI Card
Annual Fee
₹499
Headline Rate
6.67x on dining
UCO Bank SimplySAVE SBI Card
Annual Fee
₹499
Headline Rate
6.67x on dining
PSB Simply SAVE SBI Card
Annual Fee
₹499
Headline Rate
6.67x on dining
Karnataka Bank SimplySave SBI Credit Card
Annual Fee
₹499
Headline Rate
6.67x on dining
DBS Vantage Credit Card
Annual Fee
Free
Headline Rate
4x on travel
Marriott Bonvoy HDFC Bank Credit Card
Annual Fee
₹3,000
Headline Rate
5.33x on travel
SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
5x on dining
AU LIT Credit Card
Annual Fee
Free
Headline Rate
5x on groceries
AU Zenith Credit Card
Annual Fee
₹7,999
Headline Rate
5x on dining
AU Ananta Credit Card
Annual Fee
₹2,000
Headline Rate
5x on other
IDFC FIRST Select Credit Card
Annual Fee
Free
Headline Rate
5x on dining
IDFC FIRST Wealth Credit Card
Annual Fee
Free
Headline Rate
5x on dining
IndusInd Jio-bp Mobility+ Credit Card
Annual Fee
Free
Headline Rate
12x on fuel
Canara Rupay Select Credit Card
Annual Fee
Free
Headline Rate
5x on utilities
BOI Celestia Credit Card
Annual Fee
₹11,999
Headline Rate
5x on dining
Central Bank of India SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
5x on dining
Equitas Selfe Credit Card
Annual Fee
₹1,000
Headline Rate
3.5x on dining
CUB CSK Master Platinum Credit Card
Annual Fee
₹1,000
Headline Rate
1.6x on dining
CUB SRH Master Platinum Credit Card
Annual Fee
₹1,000
Headline Rate
1.6x on dining
HDFC Millennia Credit Card
Annual Fee
₹1,000
Headline Rate
5% on amazon
AU InstaPay RuPay Credit Card
Annual Fee
Free
Headline Rate
1% on groceries
YES BANK Paisabazar PaisaSave RuPay Credit Card
Annual Fee
Free
Headline Rate
1% on dining
YES BANK Paisabazar PaisaSave Credit Card
Annual Fee
₹499
Headline Rate
1% on dining
Union JCB Wellness Credit Card
Annual Fee
₹999
Headline Rate
4x on dining
KVB Honour Credit Card
Annual Fee
₹999
Headline Rate
5.33x on travel
IndusInd Platinum Aura Edge Credit Card
Annual Fee
Free
Headline Rate
4x on other
J&K Bank Eminent Credit Card
Annual Fee
₹1,500
Headline Rate
3x on travel
SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
2.5x on dining
SBI Card PULSE
Annual Fee
₹1,499
Headline Rate
2.5x on dining
BPCL SBI Card OCTANE
Annual Fee
₹1,499
Headline Rate
7.25x on fuel
Delhi Metro SBI Card
Annual Fee
₹499
Headline Rate
2.5x on dining
KVB Platinum Credit Card
Annual Fee
₹599
Headline Rate
2.67x on travel
SimplySAVE SBI Card
Annual Fee
₹499
Headline Rate
1.667x on dining
AU Zenith+ Credit Card
Annual Fee
₹4,999
Headline Rate
2x on dining
BPCL SBI Card
Annual Fee
₹499
Headline Rate
4.25x on fuel
Reliance SBI Card
Annual Fee
₹499
Headline Rate
2.5x on online
Shaurya SBI Card
Annual Fee
₹250
Headline Rate
1.25x on dining
Shaurya Select SBI Card
Annual Fee
₹1,499
Headline Rate
1.25x on dining
IDFC FIRST Millennia Credit Card
Annual Fee
Free
Headline Rate
1.25x on dining
IDFC FIRST Classic Credit Card
Annual Fee
Free
Headline Rate
1.25x on dining
Axis Bank My Zone Credit Card
Annual Fee
₹500
Headline Rate
1x on dining
Axis Bank REWARDS Credit Card
Annual Fee
₹1,000
Headline Rate
1x on dining
Axis Bank Select Credit Card
Annual Fee
₹3,000
Headline Rate
1x on groceries
IndianOil Axis Bank Premium Credit Card
Annual Fee
₹1,000
Headline Rate
6x on fuel
Fabindia SBI Card SELECT
Annual Fee
₹1,499
Headline Rate
2.5x on other
IRCTC SBI Card Premier
Annual Fee
₹1,499
Headline Rate
10x on travel
Apollo SBI Card
Annual Fee
₹499
Headline Rate
0.75x on other
Apollo SBI Card SELECT
Annual Fee
₹1,499
Headline Rate
2.5x on other
Fabindia SBI Card
Annual Fee
₹499
Headline Rate
1.25x on other
IndiGo Axis Bank Credit Card
Annual Fee
₹799
Headline Rate
2x on travel
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