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Best Credit Cards for Dining & Food Delivery in India

Dining rewards are usually tied to specific apps or capped per month. We rank by what you keep after the caps.

Ranked for a diner spending ₹12,000 a month on food: Dining & food delivery ₹12,000, Groceries ₹4,000, Other online shopping ₹5,000, Bills & utilities ₹4,000, Everything else ₹10,000. Change these numbers in the calculator. Values are best-case: points at their best redemption value and spend milestones included (vouchers at half of face value).

Top picks

  1. 1

    HSBC Live+ Credit Card

    HSBC India · fee ₹999 (waived at this spend) min income ≈ ₹50,000/month
    ₹8,035a year on dining & food delivery, after fee share
    Rewards ₹18,540Milestones ₹0Fee −₹0All spend: ₹18,540 net
    See official terms Full review
  2. 2

    Swiggy BLCK HDFC Bank

    HDFC Bank · fee ₹1,000 (waived at this spend)
    ₹6,624a year on dining & food delivery, after fee share
    Rewards ₹12,072Milestones ₹0Fee −₹0All spend: ₹12,072 net
    See official terms Full review
  3. 3

    Cashback SBI Card

    SBI Card · fee ₹999 (waived at this spend)
    ₹3,744a year on dining & food delivery, after fee share
    Rewards ₹9,192Milestones ₹0Fee −₹0All spend: ₹9,192 net
    See official terms Full review
  4. 4

    Swiggy Ornge HDFC Bank

    HDFC Bank · fee ₹500 (waived at this spend) min income ≈ ₹20,000/month
    ₹3,744a year on dining & food delivery, after fee share
    Rewards ₹8,232Milestones ₹0Fee −₹0All spend: ₹8,232 net
    See official terms Full review
  5. 5

    Axis Bank ACE Credit Card

    Axis Bank · fee ₹499 (waived at this spend) min income ≈ ₹25,000/month
    ₹3,600a year on dining & food delivery, after fee share
    Rewards ₹8,580Milestones ₹0Fee −₹0All spend: ₹8,580 net
    See official terms Full review
  6. 6

    BPCL SBI Card OCTANE

    SBI Card · fee ₹1,499 (waived at this spend) partly verified
    ₹3,600a year on dining & food delivery, after fee share
    Rewards ₹5,370Milestones ₹1,000Fee −₹0All spend: ₹6,370 net
    See official terms Full review
  7. 7

    Flipkart Axis Bank Credit Card

    Axis Bank · fee ₹500 (waived at this spend) min income ≈ ₹15,000/month
    ₹3,600a year on dining & food delivery, after fee share
    Rewards ₹5,880Milestones ₹0Fee −₹0All spend: ₹5,880 net
    See official terms Full review
  8. 8

    Airtel Axis Bank Credit Card

    Axis Bank · fee ₹500 (waived at this spend)
    ₹3,384a year on dining & food delivery, after fee share
    Rewards ₹8,112Milestones ₹0Fee −₹0All spend: ₹8,112 net
    See official terms Full review

What the numbers show: HSBC Live+ Credit Card leads this list at ₹8,035 a year on dining & food delivery after its share of the fee (₹18,540 net on the whole profile), about ₹1,411 ahead of Swiggy BLCK HDFC Bank. This list is ranked on that category only, not on the whole profile.

How to read this ranking

Dining is where caps do most of the work. HSBC Live+ leads (₹18,540 net, about ₹6,500 ahead of Swiggy BLCK) because its 10% covers restaurants as well as delivery, groceries, shopping and utilities under one ₹1,200 monthly cap, which this persona's ₹25,000 of eligible spend more than fills; the page splits the capped amount across those categories in proportion to spend, which is why dining shows ₹8,035 of it. The Swiggy HDFC BLCK card pays 10% on Swiggy food orders, Instamart and Dineout up to ₹1,500 a month, but only on the Swiggy app (minimum transaction ₹249), so it helps only if your dining is delivery through Swiggy. We assume 40% of dining and grocery spend goes to Swiggy for those cards; if you use Swiggy more or less, adjust in the calculator.

Away from HSBC's 10% and the Swiggy app, the useful number is the flat rate: Axis ACE 1.5%, HSBC Live+ 1.5% beyond its cap, SBI Cashback 1% offline (5% when the order is online, averaging 2.6% on our 40% online assumption). Axis ACE pays 4% on Swiggy, Zomato and Ola but inside a shared ₹500-per-statement cap.

Figures come from the issuers' own terms as recorded on each card page (sources and check dates are listed there). Estimates, not offers.

Head to head

Questions

How was this "best credit cards for dining" list ranked?

We ran a diner spending ₹12,000 a month on food (about ₹35,000 a month of card spend in total) through each card's reward rules, caps, fee and milestones and ranked on what each card earns on dining & food delivery alone, after its share of the fee. Affiliate payouts play no part in the ranking.

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