Best Credit Cards for Dining and Food Delivery in India
Dining value splits between app-specific delivery accelerators and broader restaurant programmes. The ranking below uses each card's recorded rate and cap for restaurant and delivery spend.
Short answer
On ₹10,000 a month of dining and food delivery, HSBC Live+ returns the most in the CardMasters model at about ₹1,000 a month (₹12,000 a year) before its annual fee of ₹999. 15 issuer-verified cards return anything at all on this category; the rest cap it, exclude it or charge a surcharge. Figures apply each card's published caps, exclusions and surcharges rather than its headline reward rate, and are calculated from issuer terms recorded on 2026-08-01.
Source: CardMasters issuer-evidence catalogue, release 2026-08-01. Confirm final terms with the issuer.
| # | Card | Per month | Per year | Annual fee |
|---|---|---|---|---|
| 1 | HSBC Live+ | ₹1,000 | ₹12,000 | ₹999 + GST |
| 2 | Bank of Baroda (BOBCARD) Eterna | ₹375 | ₹4,500 | ₹2,499 + GST |
| 3 | Standard Chartered Ultimate | ₹333 | ₹3,996 | ₹5,000 + GST |
| 4 | BPCL SBI Card OCTANE | ₹250 | ₹3,000 | ₹1,499 + GST |
| 5 | SBI Card ELITE | ₹250 | ₹3,000 | ₹4,999 + GST |
| 6 | IRCTC SBI Card Premier | ₹240 | ₹2,880 | ₹1,499 + GST |
| 7 | Federal Bank Scapia | ₹200 | ₹2,400 | ₹0 |
| 8 | Axis Bank IndiGo | ₹200 | ₹2,400 | ₹799 + GST |
| 9 | AU Small Finance Bank Zenith+ | ₹200 | ₹2,400 | ₹4,999 + GST |
| 10 | Axis Bank IndiGo Premium | ₹200 | ₹2,400 | ₹5,000 + GST |
| 11 | Axis Bank ACE | ₹150 | ₹1,800 | ₹499 |
| 12 | IDFC FIRST Bank FIRST Select | ₹125 | ₹1,500 | ₹0 |
| 13 | IDFC FIRST Bank FIRST Wealth | ₹125 | ₹1,500 | ₹0 |
| 14 | Axis Bank Magnus for Burgundy | ₹120 | ₹1,440 | ₹30,000 + GST |
| 15 | Amazon Pay ICICI | ₹100 | ₹1,200 | ₹0 |
Your own spend level changes this order, because monthly caps bind at different points. Run the ranking at your actual monthly spend →
What to check before applying
- Separate app-only delivery rates from general restaurant rates.
- Check whether a dining discount programme is included or a paid add-on.
- Monthly caps usually bind before the annual fee does.
Frequently asked questions
Which credit card is best for dining and food delivery in India?
At ₹10,000 a month of dining and food delivery, HSBC Live+ ranks first at about ₹1,000 a month in the CardMasters model, followed by Bank of Baroda (BOBCARD) Eterna (₹375) and Standard Chartered Ultimate (₹333). The ranking changes with your spend level because monthly caps bind at different points, and the annual fee has to be subtracted from the annual total.
How is the monthly value calculated?
Each card's published earn rate is applied to ₹10,000 of monthly dining and food delivery, then its category cap, exclusions and any surcharge are applied, and reward currency is valued at a conservative redemption rate rather than the issuer's best-case example. This is the same calculation CardMasters uses for personalised recommendations.
Why do some well-known cards return nothing here?
Because they exclude this category from rewards, cap it at zero, or levy a surcharge that cancels the earn. Cards returning nothing on dining and food delivery are left out of the table rather than shown with a headline rate they do not actually pay here.
Does the annual fee change the ranking?
Yes. This table ranks by reward return only. Subtract the annual fee plus GST — unless your spend clears the waiver threshold — before deciding, and compare the result against the cards already in your wallet rather than in isolation.