Best Dining and Food Delivery Credit Cards in India
Dining offers split into merchant-tied delivery accelerators and broader restaurant programmes. This shortlist keeps the two separate and shows the caps that decide real annual value.
Cards below are ordered by modelled net annual value on the benchmark wallet below, after fees, caps and exclusions — never by affiliate payout. The benchmark wallet is ₹38,000 a month: ₹12,000 online, ₹6,000 dining, ₹8,000 grocery, ₹4,000 fuel, ₹5,000 travel, ₹3,000 utility. Your own order will differ where your spending does.
Short answer
On the benchmark wallet below (₹38,000/month), HSBC Live+ returns the most of the 13 issuer-verified dining and food delivery cards CardMasters tracks: ₹15,060 a year after fees, caps and exclusions, ahead of Yes Bank Paisabazaar PaisaSave and Swiggy HDFC. That ordering is a model of one stated spending profile, not a verdict on yours: your own winner depends on what you actually spend, the cards you already hold, how you redeem, and issuer approval fit. Records checked 2026-08-25.
Source: CardMasters issuer-evidence catalogue, release 2026-08-25. Confirm final terms with the issuer.
What to check before applying
- Separate app-specific delivery rates from general restaurant rates.
- Check the monthly cap on the accelerated dining category.
- Confirm whether the discount programme is a benefit or a separate paid membership.
HSBC Live+
₹999 + GST
1.5% in Cashback
3.5%
Visa
Best suited to: dining, grocery, food delivery, cashback. Recorded exclusions: fuel, rent, wallet load, emi, insurance, utilities.
Review rewards, caps, fees and issuer evidence →Yes Bank Paisabazaar PaisaSave
₹0
1% in Cashback
3.5%
Mastercard, RuPay (virtual)
Best suited to: cashback, dining, upi, first card. Recorded exclusions: fuel, rent, wallet load, utility, education, insurance, emi, government.
Review rewards, caps, fees and issuer evidence →Swiggy HDFC
₹500 + GST
1% statement cashback on eligible other-category spend
3.5%
Mastercard
Best suited to: food delivery, online shopping, young professional. Recorded exclusions: fuel, rent, jewellery, government, wallet load, gift card, cash advance.
Review rewards, caps, fees and issuer evidence →HDFC Bank Swiggy BLCK
₹1,000 + GST
1% in Cashback
3.5%
Mastercard
Best suited to: food delivery, swiggy, cashback. Recorded exclusions: fuel, rent, wallet load, government, gaming, education, jewellery, emi.
Review rewards, caps, fees and issuer evidence →SBI Card PRIME
₹2,999 + GST
0.5% in Reward Points
3.5%
Visa, Mastercard, RuPay
Best suited to: dining, grocery, milestone spender. Recorded exclusions: fuel, rent, wallet load.
Review rewards, caps, fees and issuer evidence →SBI Card ELITE
₹4,999 + GST
2 Reward Points per ₹100 on eligible spends
1.99%
Visa, Mastercard
Best suited to: movies, dining, low forex. Recorded exclusions: balance transfer, balance transfer emi, flexipay, cash advance, easy money, encash, dial a draft, atm withdrawal.
Review rewards, caps, fees and issuer evidence →HDFC Bank Swiggy Ornge
₹500 + GST
1% in Cashback
3.5%
Mastercard
Best suited to: food delivery, swiggy, cashback. Recorded exclusions: fuel, rent, wallet load, government, gaming, education, jewellery, emi.
Review rewards, caps, fees and issuer evidence →SimplySAVE SBI Card
₹499 + GST
1 Reward Point per ₹150 spent on all other categories
3.5%
Visa, Mastercard, RuPay
Best suited to: dining, grocery, first credit card. Recorded exclusions: fuel.
Review rewards, caps, fees and issuer evidence →HDFC Bank Diners Club Privilege
₹1,000 + GST
4 Reward Points per ₹200 on eligible retail spend
3.5%
Diners Club
Best suited to: dining, entertainment, travel. Recorded exclusions: fuel, rent, wallet load, government, gaming, education third party, cash advance, fees.
Review rewards, caps, fees and issuer evidence →IDFC FIRST Bank FIRST Classic Credit Card
₹0
3 Reward Points per ₹200 on all other eligible spends
3.5%
Visa, RuPay
Best suited to: lifetime free, first credit card, dining. Recorded exclusions: fuel, emi, cash advance.
Review rewards, caps, fees and issuer evidence →IDFC FIRST Bank FIRST Millennia Credit Card
₹0
3 Reward Points per ₹200 on all other eligible spends
3.5%
Visa, RuPay
Best suited to: lifetime free, dining, travel. Recorded exclusions: fuel, emi, cash advance.
Review rewards, caps, fees and issuer evidence →Axis Bank My Zone
₹500 + GST
4 EDGE Reward Points per ₹200 on eligible spend
3.5%
Mastercard, RuPay
Best suited to: movies, food delivery, lounge, entry. Recorded exclusions: movie, fuel, insurance, wallet load, rent, utility, telecom, jewellery.
Review rewards, caps, fees and issuer evidence →IndusInd Bank EazyDiner
₹2,999 + GST
10 Reward Points per ₹100 on hotel and travel bookings, shopping and entertainment (issuer values a Reward Point at ₹0.10)
3.5%
Visa
Best suited to: dining, foodies, restaurant deals. Recorded exclusions: fuel.
Review rewards, caps, fees and issuer evidence →Frequently asked questions
Which is the best dining and food delivery card in India?
On the benchmark wallet CardMasters publishes on this page (₹38,000 of monthly spend), HSBC Live+ returns the most across 13 issuer-verified options — ₹15,060 a year after the annual fee, monthly caps and excluded categories. The cheapest to hold is Yes Bank Paisabazaar PaisaSave at ₹0 a year. Which of those matters more depends on your own spending, the cards you already hold, how you redeem and issuer approval fit. Ranking never uses affiliate payout.
How many dining and food delivery cards does CardMasters track?
This shortlist shows 13 cards, each with a dated issuer-source check. The full CardMasters directory covers 96 active Indian credit cards.
Does affiliate commission affect this shortlist?
No. Affiliate payout is not used to select, order or value cards. A card can appear without a monetized application link, and every tracked campaign is disclosed separately.
How current is the card information?
Every card on this page has a dated issuer-source record. This catalogue release was published 2026-08-25, but credit-card terms can change after publication, so confirm final terms with the issuer.
What should I check before applying for a dining and food delivery card?
Separate app-specific delivery rates from general restaurant rates. Approval, credit limit and final pricing remain at the issuer's sole discretion.