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 87 credit cards (including 15 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
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
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
Free
Headline Rate
15x on dining
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
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
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
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
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
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
Swiggy BLCK HDFC Bank Credit Card
Annual Fee
₹1,000
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
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
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
SimplySAVE SBI Card
Annual Fee
₹499
Headline Rate
1.667x on dining
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
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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