1. HSBC Live+ Credit Card
Annual fee ₹999 · Rewards up to 10% · You keep ₹15,480* a year
The HSBC Live+ Credit Card suits people who spend on food, groceries and bills. It gives 10% cashback on those spends, up to ₹1,200 a month, and 1.5% on most other spends with no limit.
- 10% on dining and food delivery
- 10% on groceries
- 10% on bills and utilities
- 1.5% on other spends
2. Axis Bank ACE Credit Card
Annual fee ₹499 · Rewards up to 5% · You keep ₹6,360* a year
The Axis Bank ACE Credit Card gives 5% cashback on bills and recharges paid through Google Pay, and 4% on Swiggy, Zomato and Ola, with a shared limit of ₹500 per statement. Other eligible spends earn 1.5% with no limit.
- 5% on Google Pay bills
- 4% on Swiggy, Zomato
- 4% on Ola
- 1.5% on other spends
3. Kotak Cashback+ Credit Card
Annual fee ₹750 · Rewards up to 5% · You keep ₹5,460* a year
The Kotak Cashback+ Credit Card gives 5% back on online food and grocery delivery, movie tickets and OTT, and 3% on fuel, up to ₹750 a billing cycle. Other spends earn 0.5% with no limit.
- 5% on Swiggy, Zomato
- 5% on BigBasket, Blinkit
- 5% on BookMyShow
- 3% on fuel
4. HDFC Bank Diners Club Privilege Credit Card
Annual fee ₹1,000 · Rewards up to 5% · You keep ₹5,300* a year
The HDFC Bank Diners Club Privilege Credit Card suits people who order food online and travel now and then. It gives 5X reward points on Swiggy and Zomato, 4 points per ₹200 on other spends, and lounge visits on a quarterly spend condition.
- 5% on Swiggy, Zomato
- 1% on other spends
5. BOBCARD ETERNA Credit Card
Annual fee ₹2,499 · Rewards up to 3.75% · You keep ₹4,860* a year
The BOBCARD ETERNA Credit Card gives 15 reward points per ₹100 (3.75% back) on dining, travel, international and online spends, and unlimited domestic lounge access. From 1 September 2026 it has no joining fee, and the ₹2,499 annual fee is waived on ₹2.5 lakh of yearly spends.
- 3.75% on dining and food delivery
- 3.75% on travel
- 3.75% on online shopping
- 0.75% on other spends
6. BOBCARD TIARA Credit Card
Annual fee ₹2,499 · Rewards up to 3.75% · You keep ₹4,860* a year
The BOBCARD TIARA is a women-only RuPay credit card that gives 15 reward points per ₹100 (3.75% back) on dining, travel and international spends, plus quarterly shopping and salon discounts. The ₹2,499 fee is waived on ₹25,000 of spends in the first 60 days and on ₹2.5 lakh each year.
- 3.75% on dining and food delivery
- 3.75% on travel
- 0.75% on other spends
7. HSBC RuPay Cashback Credit Card
Annual fee ₹499 · Rewards up to 10% · You keep ₹4,800* a year
The HSBC RuPay Cashback Credit Card gives 10% cashback on dining, food delivery and groceries and 1% on other spends, up to ₹400 a month, and works on UPI. The ₹499 fee is waived on ₹2 lakh of yearly spends.
- 10% on dining and food delivery
- 10% on groceries
- 1% on other spends
8. RBL Bank Cookies Credit Card
Annual fee ₹1,200 · Rewards up to 10% · You keep ₹3,864* a year
The RBL Bank Cookies Credit Card gives 10% cashback on Zomato, Myntra and Uber (up to ₹300 each a month) and 5 reward points per ₹100 online. It has a ₹100 monthly fee, waived for the next month when you spend ₹5,000.
- 1% on online shopping
- 10% on Zomato
- 10% on Myntra
- 10% on Uber
9. SBI Card PULSE
Annual fee ₹1,499 · Rewards up to 2.5% · You keep ₹3,240* a year
SBI Card PULSE gives 10 reward points per ₹100 (about 2.5% back) on dining, movies, pharmacy and sports, with Netmeds First and FITPASS PRO memberships. The ₹1,499 fee is waived on ₹2 lakh of yearly spends.
- 2.5% on dining and food delivery
- 0.5% on other spends
10. BOBCARD Premier Credit Card
Annual fee ₹1,000 · Rewards up to 2.5% · You keep ₹2,940* a year
The BOBCARD Premier Credit Card gives 10 reward points per ₹100 on travel, dining and international spends, up to 2,000 points per statement cycle, and 2 points on other spends. It adds one domestic lounge visit each quarter.
- 2.5% on travel
- 2.5% on dining and food delivery
- 0.5% on other spends
- SBI CardSimplySAVE SBI CardVISA
11. SimplySAVE SBI Card
Annual fee ₹499 · Rewards up to 1.67% · You keep ₹2,782* a year
The SimplySAVE SBI Card gives 10 reward points per ₹150 (about 1.67% back) on dining, groceries, department stores and movies. It costs ₹499 a year, waived on ₹1 lakh of yearly spend.
- 1.67% on dining and food delivery
- 1.67% on groceries
- 0.17% on other spends
12. Fibe Axis Bank Credit Card
Annual fee Free · Rewards up to 3% · You keep ₹2,640* a year
The Fibe Axis Bank Credit Card is a lifetime free RuPay card, made with the lending app Fibe for its existing customers, that pays 3% cashback on online food delivery, entertainment and local commute. Other eligible spends, including larger UPI payments, earn 1%, with all cashback capped at ₹1,500 a statement.
- 1% on other spends
13. IDFC FIRST Classic Credit Card
Annual fee Free · Rewards up to 1.25% · You keep ₹1,740* a year
The IDFC FIRST Classic Credit Card is a lifetime free card with 10X Reward Points on dining, travel, international spends and spends on your birthday. The bank describes it as an option for first-time card users.
- 1.25% on dining and food delivery
- 1.25% on travel
- 0.13% on bills and utilities
- 0.38% on other spends
14. IDFC FIRST Millennia Credit Card
Annual fee Free · Rewards up to 1.25% · You keep ₹1,740* a year
The IDFC FIRST Millennia Credit Card is a lifetime free card with 10X Reward Points on dining, travel, international spends and spends on your birthday. It charges no forex markup.
- 1.25% on dining and food delivery
- 1.25% on travel
- 0.13% on bills and utilities
- 0.38% on other spends
15. IDFC FIRST Select Credit Card
Annual fee Free · Rewards up to 1.25% · You keep ₹1,740* a year
The IDFC FIRST Select Credit Card is a lifetime free card with 10X Reward Points on dining, travel, international spends and spends on your birthday. It also gives domestic airport and railway lounge visits, based on spends, and zero forex markup.
- 1.25% on dining and food delivery
- 1.25% on travel
- 0.13% on bills and utilities
- 0.38% on other spends
16. IDFC FIRST Wealth Credit Card
Annual fee Free · Rewards up to 1.25% · You keep ₹1,740* a year
The IDFC FIRST Wealth Credit Card is a lifetime free premium card. It gives 10 reward points per ₹200 on dining, travel and international spends, 3 on other spends, and lounge visits each quarter.
- 1.25% on dining and food delivery
- 1.25% on travel
- 0.13% on bills and utilities
- 0.38% on other spends
17. BOBCARD Select Credit Card
Annual fee ₹750 · Rewards up to 1% · You keep ₹1,176* a year
The BOBCARD Select Credit Card gives 5 reward points per ₹100 on online and dining spends and 1 point on other spends. There is no joining fee, and the ₹750 renewal fee is waived on yearly spends of ₹70,000.
- 1% on online shopping
- 1% on dining and food delivery
- 0.2% on other spends
18. EazyDiner IndusInd Platinum Credit Card
Annual fee Free · Rewards up to 0.4% · You keep ₹962* a year
The EazyDiner IndusInd Platinum Credit Card has no joining or annual fee. It gives 2 reward points per ₹100 on most spends and extra discounts when you pay through the EazyDiner app.
- 0.14% on bills and utilities
- 0.4% on other spends
19. SBI Card PRIME
Annual fee ₹2,999 · Rewards up to 5% · You keep ₹901* a year
SBI Card PRIME gives 10 reward points per ₹100 (about 2.5% back) on dining, groceries, departmental stores and movies, with milestone vouchers and 4 international lounge visits. The ₹2,999 fee is waived on ₹3 lakh of yearly spends.
- 2.5% on dining and food delivery
- 2.5% on groceries
- 0.5% on other spends
20. HDFC Bank Freedom Credit Card
Annual fee ₹500 · Rewards up to 0.75% · You keep ₹846* a year
The HDFC Bank Freedom Credit Card is a low-fee card with a low income requirement. It gives 10X CashPoints at BigBasket, BookMyShow, OYO, Swiggy and Uber, and its fee is waived on spends of ₹50,000 in a year.
- 0.75% on BigBasket
- 0.75% on Swiggy
- 0.75% on OYO, Uber
- 0.75% on BookMyShow
21. Axis My Zone Credit Card
Annual fee ₹500 · Rewards up to 0.4% · You keep ₹322* a year
The Axis My Zone Credit Card suits people who want entertainment and food offers. It gives 4 EDGE Reward points per ₹200, buy one get one movie tickets on District, and ₹120 off on Swiggy.
- 0.4% on other spends
22. Axis Bank Neo Credit Card
Annual fee ₹250 · Rewards up to 0.1%
The Axis Bank Neo Credit Card is a low-fee card built around discounts on food delivery, bills and travel bookings. It earns 1 EDGE Reward point per ₹200, so most of its value comes from these offers.
- 0.1% on other spends
23. SBI ELITE Credit Card
Annual fee ₹4,999 · Rewards up to 2.5%
The SBI ELITE Credit Card is a premium card that gives 10 reward points per ₹100 on dining, groceries and department stores and 2 points on other spends. It also comes with a ₹5,000 welcome voucher, movie tickets and lounge access.
- 2.5% on groceries
- 2.5% on dining and food delivery
- 0.5% on other spends
24. EazyDiner IndusInd Bank Credit Card
Annual fee ₹2,999 · Rewards up to 1%
The EazyDiner IndusInd Bank Credit Card charges ₹2,999 a year and gives 10 reward points per ₹100 on hotel and travel bookings. It also comes with EazyDiner Prime membership and extra dining discounts.
- 1% on travel
- 0.4% on other spends
25. HDFC Bank Diners Club Black Metal Edition Credit Card
Annual fee ₹10,000 · Rewards up to 6.67%
The HDFC Bank Diners Club Black Metal Edition Credit Card is a premium card for high spenders who travel. It earns 5 reward points per ₹150, worth up to ₹1 each on flights and hotels, with unlimited lounge access and a 2% forex markup.
- 3.33% on other spends
Compare these cards
How to choose a dining credit card
- Whether the top rate works at all restaurants or only on Swiggy or Zomato.
- The monthly limit on the top rate.
- Dining discount programmes, which are separate from rewards.
- The annual fee and how to get it waived.
How we ranked these cards
We work out what each card pays on ₹22,000 a month of regular eating out and food orders, then take off the renewal fee with GST. We count rewards only up to each limit. Rates paid only at Swiggy or Zomato are counted, as if you shop there. Rates at other named brands are not counted. Welcome gifts and lounge visits are left out. What a bank pays us plays no part. Your own result will differ, so try the credit card finder with your spending.
The bank alone decides approval and your credit limit.
Frequently asked questions
Do these rankings assume I order on Swiggy or Zomato?
Yes. Where a card pays its top dining rate only on Swiggy or Zomato, we assume your food spends go through that app. If you mostly eat out, a card that pays on all restaurants can suit you better.
Does a restaurant bill paid by UPI count as dining?
Only if you pay with a RuPay credit card on UPI, and only if the card pays rewards on UPI. Check the card page.
Is a dining discount the same as cashback?
No. A discount comes off the bill at partner restaurants. Cashback or points are paid by the bank afterwards.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms. Fees are before GST.
Some Apply buttons are partner links. What a bank pays us never changes the order or any figure. How we make money