Top 10 Dining & Food Delivery Credit Cards (2026) Compared
Verified specs, published fees, and actual standout earn rates.
| Rank | Credit Card | Annual Fee | Key Standout / Rewards | Lounge Visits | Review |
|---|---|---|---|---|---|
| #1 |  Airtel Axis Bank Credit CardAxis Bank | ₹500Waived at ₹2.0L | 10.0% effective earn on dining | None | Full Review |
| #2 | ₹999Waived at ₹2.0L | 10.0% effective earn on dining | 2/yr | Full Review | |
| #3 | ₹499Waived at ₹2.0L | 10.0% effective earn on dining | 10/yr | Full Review | |
| #4 | Lifetime Free | 6.0% effective earn on dining | None | Full Review | |
| #5 | ₹4990 | 6.0% effective earn on dining | None | Full Review | |
| #6 |  KVB Eternis Credit CardKarur Vysya Bank | ₹29,999 | 6.0% effective earn on dining | None | Full Review |
| #7 |  Swiggy Ornge HDFC Bank Credit CardHDFC Bank | ₹500Waived at ₹1.5L | 5.0% effective earn on dining | None | Full Review |
| #8 |  RBL Bank Icon Credit CardRBL Bank | ₹5,000 | 5.0% effective earn on dining | 8/yr | Full Review |
| #9 |  Jalsa Credit CardRBL Bank | ₹999 | 5.0% effective earn on dining | None | Full Review |
| #10 |  AU Xcite Credit CardAU Small Finance Bank | ₹249Waived at ₹1.0L | 3.8% effective earn on dining | None | Full Review |
Why These Top 10 Cards Won Our 2026 Evaluation
Data-driven reasons behind each card's placement, highlighting real net value after fees.
Annual fee waived on ₹2.0L annual spend. Delivers 10% accelerated cashback on dining & food delivery and grocery shopping.
Annual fee waived on ₹2.0L annual spend. Delivers 10% accelerated cashback on dining & food delivery and grocery shopping.
Annual fee waived on ₹2.0L annual spend. Delivers 10% accelerated cashback on dining & food delivery and grocery shopping.
Lifetime free with zero annual fee burden. Delivers 6% accelerated cashback on dining & food delivery.
Delivers 6% accelerated cashback on dining & food delivery.
Offers 3X reward acceleration on flights & hotels and dining & food delivery.
Annual fee waived on ₹1.5L annual spend. Delivers 5% accelerated cashback on dining & food delivery and online shopping.
Offers 10X reward acceleration on flights & hotels and dining & food delivery. Includes 8 complimentary lounge visits/yr.
Verified data directly sourced from official issuer Most Important Terms and Conditions (MITC).
Annual fee waived on ₹1.0L annual spend. Offers 5X reward acceleration on dining & food delivery and grocery shopping.
How We Rank: Dining & Food Delivery Credit Cards Methodology
Zero Sponsored Placements
We do not accept commercial payments to rank one card above another. Every card is evaluated purely by audited math, official fees, and reward caps.
Honest Fee & Cap Deductions
Banks frequently market headline rates that are capped monthly. We apply these caps and deduct renewal fees to surface true net returns.
Verified MITC Policy Audits
Exclusion lists (fuel, rent, utility, insurance) and spend-gated requirements are audited directly from official Key Fact Statements (KFS).
Frequently Asked Questions: Dining & Food Delivery Credit Cards
Common questions answered objectively using official Reserve Bank of India (RBI) and issuer rules.
Which is the best dining & food delivery credit cards in India for 2026?
Based on verified data and net reward value, Airtel Axis Bank Credit Card ranks #1 in our 2026 assessment, closely followed by HSBC Live+ Credit Card. Rankings account for base rewards, category accelerators, annual fees, and hidden exclusion policies.
How are credit cards ranked on this page?
Our rankings are 100% algorithmic and objective. We calculate the honest net annual return based on verified issuer fee schedules, published category caps, and exclusion lists, without commercial bias or sponsored placements.
Can the annual fee be waived on these cards?
Most fee-charging cards include an annual spend waiver milestone (typically ₹1 Lakh to ₹4 Lakhs). Achieving this cumulative annual spend automatically waives the renewal fee for the subsequent membership year.
Are credit card rewards and cashback taxable in India?
Direct cashback credited against credit card statement bills is treated as a post-purchase discount or rebate, which is not taxable under the Indian Income Tax Act. Reward points converted to air miles or statement credits are similarly treated as consumer purchase discounts rather than taxable income.
Explore All 109 Dining & Food Delivery Credit Cards
Filter and compare every eligible card by annual fee, bank, and reward features.
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 109 credit cards (including 17 lifetime free cards) on real net value after applying fees, reward caps, and exclusions.
Airtel Axis Bank Credit Card
10.0% effective earn on dining
Airtel Axis Bank Credit Card
Annual Fee
₹500
Headline Rate
1% on utilities
HSBC Live+ Credit Card
Annual Fee
₹999
Headline Rate
10% on dining
HSBC RuPay Cashback Credit Card
Annual Fee
₹499
Headline Rate
10% on dining
YES BANK Paisabazar PaisaSave RuPay Credit Card
Annual Fee
Free
Headline Rate
6% on dining
YES BANK Paisabazar PaisaSave Credit Card
Annual Fee
₹499
Headline Rate
6% on dining
KVB Eternis Credit Card
Annual Fee
₹29,999
Headline Rate
6x on travel
Swiggy Ornge HDFC Bank Credit Card
Annual Fee
₹500
Headline Rate
5% on dining
RBL Bank Icon Credit Card
Annual Fee
₹5,000
Headline Rate
20x on travel
Jalsa Credit Card
Annual Fee
₹999
Headline Rate
5% on dining
AU Xcite Credit Card
Annual Fee
₹249
Headline Rate
15x on dining
BOBCARD Eterna
Annual Fee
₹2,499
Headline Rate
15x on online
BOBCARD Tiara
Annual Fee
₹2,499
Headline Rate
15x on dining
Indian Navy Varunah Premium BOBCARD
Annual Fee
₹2,499
Headline Rate
15x on travel
HDFC Diners Club Privilege Credit Card
Annual Fee
₹1,000
Headline Rate
10x on dining
AU Xcite Ace Credit Card
Annual Fee
₹749
Headline Rate
3% on online
CheQ AU Credit Card
Annual Fee
Free
Headline Rate
12x on amazon
ANQ Phi Credit Card
Annual Fee
₹499
Headline Rate
12x on travel
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
10x on amazon
SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
10x on dining
SBI Card PULSE
Annual Fee
₹1,499
Headline Rate
10x on dining
BPCL SBI Card OCTANE
Annual Fee
₹1,499
Headline Rate
1x on fuel
Landmark Rewards SBI Card SELECT
Annual Fee
₹1,499
Headline Rate
10x on dining
Landmark Rewards SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
10x on dining
RBL Bank Platinum Maxima Plus Credit Card
Annual Fee
₹2,500
Headline Rate
10x on dining
Platinum Maxima Credit Card
Annual Fee
₹2,000
Headline Rate
10x on dining
RBL Bank Paisabazaar Duet Plus Credit Card
Annual Fee
₹1,499
Headline Rate
2.5% on dining
BOBCARD Premier
Annual Fee
₹1,000
Headline Rate
10x on dining
Bank of Maharashtra SimplySAVE SBI Card
Annual Fee
₹499
Headline Rate
10x on dining
Bank of Maharashtra SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
10x on dining
UCO Bank SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
2x 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
2x on utilities
PSB SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
10x on dining
Karnataka Bank Prime SBI Credit Card
Annual Fee
₹2,999
Headline Rate
2x on utilities
South Indian Bank SBI Platinum Card
Annual Fee
₹2,999
Headline Rate
10x on dining
Axis Bank MY Zone Easy Credit Card
Annual Fee
Free
Headline Rate
10x 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
YES First Business Card
Annual Fee
₹999
Headline Rate
8x on dining
IndianOil Kotak Credit Card
Annual Fee
₹449
Headline Rate
4% on fuel
Jupiter Edge Federal Bank VISA Credit Card
Annual Fee
₹999
Headline Rate
2% 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
South Indian Bank SimplySAVE SBI Card
Annual Fee
₹499
Headline Rate
6.67x on dining
Axis Bank ACE Credit Card
Annual Fee
₹499
Headline Rate
0% on utilities
DBS Vantage Credit Card
Annual Fee
₹20,000
Headline Rate
4x on travel
Marriott Bonvoy HDFC Bank Credit Card
Annual Fee
₹3,000
Headline Rate
2.67x on travel
SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
5x on dining
BPCL SBI Card
Annual Fee
₹499
Headline Rate
13x on fuel
Reliance SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
2x on online
Reliance SBI Card
Annual Fee
₹499
Headline Rate
10x on online
Shaurya SBI Card
Annual Fee
₹250
Headline Rate
5x on dining
Shaurya Select SBI Card
Annual Fee
₹1,499
Headline Rate
5x on dining
Landmark Rewards SBI Card
Annual Fee
₹499
Headline Rate
5x on dining
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
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
Bank of Maharashtra 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
Swiggy HDFC Bank Credit Card
Annual Fee
₹500
Headline Rate
1% on dining
Paytm HDFC Bank Digital Credit Card
Annual Fee
₹149
Headline Rate
1% on online
Swiggy BLCK HDFC Bank Credit Card
Annual Fee
₹1,000
Headline Rate
1% on dining
PhonePe SBI Card SELECT BLACK
Annual Fee
₹1,499
Headline Rate
5x on online
PhonePe SBI Card PURPLE
Annual Fee
₹499
Headline Rate
2x on online
Eternal SBI Card
Annual Fee
₹499
Headline Rate
1% on dining
Flipkart Axis Bank Credit Card
Annual Fee
₹500
Headline Rate
5% on flipkart
AU InstaPay RuPay Credit Card
Annual Fee
Free
Headline Rate
1% on groceries
RBL Bank Aspire Banking Credit Card
Annual Fee
₹1,500
Headline Rate
1% on travel
RBL Bank Paisabazaar Duet Credit Card
Annual Fee
Free
Headline Rate
1% on online
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
HDFC Diners Club Black Metal Edition Credit Card
Annual Fee
₹10,000
Headline Rate
3.33x on dining
Platinum Rewards Card
Annual Fee
Free
Headline Rate
3.33x on dining
HDFC Bank UPI RuPay Credit Card
Annual Fee
₹99
Headline Rate
3x on groceries
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
Karur Vysya SBI Gold Card
Annual Fee
₹499
Headline Rate
2.5x on dining
BOBCARD Ujjivan SFB Elite Credit Card
Annual Fee
Free
Headline Rate
2.5x on dining
IRCTC SBI Card Premier
Annual Fee
₹1,499
Headline Rate
0.8x on travel
Apollo SBI Card
Annual Fee
₹499
Headline Rate
3x on other
Apollo SBI Card SELECT
Annual Fee
₹1,499
Headline Rate
10x on other
KVB Platinum Credit Card
Annual Fee
₹599
Headline Rate
2.67x on travel
Suryoday SFB RuPay Platinum Credit Card
Annual Fee
₹150
Headline Rate
0.5% on online
Suryoday SFB RuPay Select Credit Card
Annual Fee
₹150
Headline Rate
0.5% on online
Suryoday SFB Stable Money RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
0.5% on online
Suryoday SFB Stable Money RuPay Select Credit Card
Annual Fee
Free
Headline Rate
0.5% on online
SimplySAVE SBI Card
Annual Fee
₹499
Headline Rate
1.667x on dining
Google Pay Flex SBI Card
Annual Fee
₹499
Headline Rate
0.4x on online
Axis Bank Pride Signature Credit Card
Annual Fee
₹500
Headline Rate
2x on dining
AU Zenith+ Credit Card
Annual Fee
₹4,999
Headline Rate
2x 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
Karur Vysya SBI Platinum Card
Annual Fee
₹2,999
Headline Rate
1.25x on dining
Karur Vysya SBI Signature Card
Annual Fee
₹4,999
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
IndiGo Axis Bank Credit Card
Annual Fee
₹799
Headline Rate
1x on travel
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