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Best dining credit cards in October 2026

HSBC Live+ leads 2 cards tied at the top (₹12,000, ₹/yr at ₹10,000/mo of dining) and is worth ₹12,700 a year at ₹75,000 a month after the fee.

Verified 316 sources

The top 3

HSBC Live+ credit card

HSBC Live+

HSBC

₹12,000 ₹/yr at ₹10,000/mo of dining

Keep

Most back on every ₹100 of dining & food delivery: HDFC Diners Club Black Metal, 3.33% .

The full ranking

118 cards, best first. Ranked by ₹/yr at ₹10,000/mo of dining; the ₹ a year column follows the spend you pick.

₹ a year at your monthly spend
Dining: ranks 1 to 25
Card₹/yr at ₹10,000/mo of dining₹ a yearFee
1. HSBC Live+HSBC · 10.00% on a dining bill ₹12,000 ₹5,100 ₹12,700 ₹25,400 ₹50,800 ₹84,600 ₹999 fee
2. Swiggy BLCK HDFC Bank Credit CardHDFC Bank · 10.00% at Swiggy ₹12,000 ₹3,400 ₹8,500 ₹12,000 ₹12,000 ₹12,000 ₹1,000 fee
3. HDFC Diners Club Black MetalHDFC Bank · 6.67% Weekend only ₹8,004 ₹1,300 ₹28,200 ₹96,300 ₹1,52,700 ₹2,27,800 ₹10,000 fee
4. YES PaisaSave RuPayYES Bank · 6.00% on a dining bill ₹7,200 ₹3,000 ₹7,600 ₹15,100 ₹30,200 ₹50,400 ₹0 fee, lifetime free
5. YES PaisaSaveYES Bank · 6.00% on a dining bill ₹7,200 ₹3,000 ₹7,600 ₹15,100 ₹30,200 ₹50,400 ₹0 joining + ₹499/yr
6. Swiggy Ornge HDFC Bank Credit CardHDFC Bank · 5.00% at Swiggy ₹6,000 ₹3,400 ₹8,500 ₹12,000 ₹12,000 ₹12,000 ₹500 fee
7. HDFC Diners Club PrivilegeHDFC Bank · 5.00% at Swiggy ₹6,000 ₹3,400 ₹14,500 ₹22,900 ₹39,800 ₹62,400 ₹1,000 fee
8. HDFC Bank MillenniaHDFC Bank · 5.00% at Swiggy ₹6,000 ₹3,400 ₹12,500 ₹16,000 ₹16,000 ₹16,000 ₹1,000 fee
9. RBL Movies and MoreRBL Bank · 5.00% Wednesdays only ₹6,000 ₹2,000 ₹5,600 ₹7,500 ₹11,300 ₹16,400 ₹1,000 fee
10. HSBC RuPay CashbackHSBC · 10.00% on a dining bill ₹4,800 ₹2,800 ₹4,800 ₹4,800 ₹4,800 ₹4,800 ₹499 fee
11. Axis Bank ACEAxis Bank · 4.00% at Swiggy ₹4,800 ₹5,100 ₹12,700 ₹25,400 ₹50,800 ₹84,600 ₹499 fee
12. Flipkart SBI CardSBI Card · 4.00% at Zomato ₹4,800 ₹2,900 ₹8,500 ₹16,900 ₹33,800 ₹56,400 ₹500 fee
13. BOBCARD EternaBOBCARD (Bank of Baroda) · 3.75% on a dining bill ₹4,500 −₹800 ₹9,300 ₹13,600 ₹22,300 ₹33,800 ₹0 joining + ₹2,499/yr
14. BOBCARD TiaraBOBCARD (Bank of Baroda) · 3.75% on a dining bill ₹4,500 −₹800 ₹4,300 ₹8,600 ₹17,300 ₹28,800 ₹2,499 fee
15. Fibe Axis Bank Credit CardAxis Bank · 3.00% ordered online ₹3,600 ₹3,400 ₹8,500 ₹16,900 ₹18,000 ₹18,000 ₹0 fee, lifetime free
16. Paytm HDFC Bank SelectHDFC Bank · 3.00% at Swiggy ₹3,600 ₹5,400 ₹10,500 ₹18,900 ₹26,000 ₹26,000 ₹1,000 fee
17. BOBCARD PremierBOBCARD (Bank of Baroda) · 2.50% on a dining bill ₹3,000 ₹1,200 ₹2,900 ₹5,800 ₹11,500 ₹19,200 ₹0 joining + ₹1,000/yr
18. HDFC Bank MoneyBack+HDFC Bank · 2.50% at Swiggy ₹3,000 ₹800 ₹2,100 ₹4,200 ₹8,500 ₹14,100 ₹500 fee
19. BPCL SBI Card OCTANESBI Card · 2.50% on a dining bill ₹3,000 ₹2,900 ₹4,300 ₹6,500 ₹10,800 ₹16,400 ₹1,499 fee
20. RBL Platinum MaximaRBL Bank · 2.50% on a dining bill ₹3,000 ₹2,000 ₹6,000 ₹8,500 ₹13,300 ₹19,800 ₹2,000 fee
21. RBL Platinum Maxima PlusRBL Bank · 2.50% on a dining bill ₹3,000 ₹1,500 ₹8,000 ₹10,500 ₹15,300 ₹21,800 ₹2,500 fee
22. SBI Card PRIMESBI Card · 2.50% on a dining bill ₹3,000 ₹5,700 ₹15,200 ₹19,500 ₹27,900 ₹39,200 ₹2,999 fee
23. SBI Card ELITESBI Card · 2.50% on a dining bill ₹3,000 −₹800 ₹11,700 ₹21,000 ₹29,400 ₹40,700 ₹4,999 fee
24. CASHBACK SBI CardSBI Card · 2.20% on a dining bill — 5.00% ordered online on the 30% of it this page assumes is online, 1.00% at the table ₹2,640 ₹3,000 ₹7,600 ₹15,100 ₹24,000 ₹24,000 ₹999 fee
25. Kotak Cashback+Kotak Mahindra Bank · 5.00% ordered online ₹2,625 ₹1,600 ₹4,100 ₹8,100 ₹16,200 ₹27,000 ₹750 fee
Ranks 26 to 118 93 cards
  1. Kotak Cashback+ Prime ₹2,625
  2. Paytm HDFC Bank Digital ₹2,400
  3. IndianOil Kotak Credit Card ₹2,400
  4. SimplySAVE SBI Card ₹2,001
  5. IndiGo Kotak Premium Credit Card ₹1,800
  6. Marriott Bonvoy HDFC Bank ₹1,602
  7. Standard Chartered Smart ₹1,560
  8. IDFC FIRST Select ₹1,500
  9. IDFC FIRST Millennia ₹1,500
  10. IDFC FIRST Classic ₹1,500
  11. IDFC FIRST Wealth ₹1,500
  12. RBL Paisabazaar Duet ₹1,200
  13. SBM MobiKwik First Credit Card ₹1,200
  14. Paisabazaar Paisa Plus Credit Card ₹1,200
  15. Union JCB Wellness ₹1,200
  16. HDFC Bank UPI RuPay ₹900
  17. Axis Bank Cashback ₹900
  18. IRCTC SBI Card Premier ₹2,880 · Ranked lower: includes points worth full value only in one app
  19. Federal Bank Celesta ₹600
  20. ICICI Bank Parakram Select ₹600
  21. Suryoday SFB RuPay Platinum ₹600
  22. Suryoday SFB RuPay Select ₹600
  23. AU Bank NOMO Credit Card ₹600
  24. AU Altura Credit Card ₹600
  25. Axis Bank Shoppers Stop Credit Card ₹600
  26. CUB CSK RuPay Platinum ₹396
  27. CUB SRH RuPay Platinum ₹396
  28. ICICI Bank Parakram ₹300
  29. RBL BankBazaar SaveMax ₹300
  30. AU LIT Credit Card ₹300
  31. RBL Patanjali Vishisht ₹300
  32. RBL Bank DMI Finance ₹300
  33. AU Altura Plus Credit Card ₹300
  34. RBL Platinum Choice ₹300
  35. RBL Platinum Advantage ₹300
  36. RBL Shoprite ₹300
  37. RBL Binge ₹300
  38. RBL Bank SalarySe UP ₹240
  39. RBL Cookies ₹240
  40. IndianOil RBL Bank XTRA Credit Card ₹1,200 · Ranked lower: includes points worth full value only in one app
  41. IRCTC RBL Bank Credit Card ₹600 · Ranked lower: includes points worth full value only in one app
  42. IndianOil RBL Bank Credit Card ₹600 · Ranked lower: includes points worth full value only in one app
  43. Reliance SBI Card ₹1,500 · Ranked lower: includes points worth full value only in one app
  44. RBL Bank Blockbuster ₹6,000
  45. RBL Icon ₹6,000
  46. Flipkart Axis Bank Credit Card ₹4,800
  47. SpiceJet Axis Bank Voyage Black ₹3,600
  48. RBL Platinum Max ₹3,300
  49. RBL Platinum Prime ₹3,300
  50. SBI Card PULSE ₹3,000
  51. Landmark Rewards SBI Card SELECT ₹3,000
  52. Landmark Rewards SBI Card PRIME ₹3,000
  53. RBL Paisabazaar Duet Plus ₹2,640
  54. Unity Bank BharatPe Credit Card ₹2,400
  55. SpiceJet Axis Bank Voyage ₹1,800
  56. Landmark Rewards SBI Card ₹1,500
  57. Apollo SBI Card SELECT ₹2,160 · Ranked lower: includes points worth full value only in one app
  58. CUB CSK Master Platinum ₹1,440
  59. CUB SRH Master Platinum ₹1,440
  60. IndiGo Axis Bank Credit Card ₹1,200
  61. IndiGo Kotak Credit Card ₹1,200
  62. HDFC Bank Freedom ₹900
  63. RBL Platinum Delight ₹600
  64. Paisabazaar Step-Up SBM Credit Card ₹300
  65. RBL Platinum Plus ₹300
  66. RBL Platinum ShopGain ₹300
  67. Axis Bank NEO ₹120
  68. Reliance SBI Card PRIME ₹1,500 · Ranked lower: includes points worth full value only in one app
  69. AU Ananta ₹1,500
  70. AU Zenith ₹1,500
  71. AU Zenith+ ₹600
  72. RBL EasySaver ₹75
  73. RBL MyFirst ₹75
  74. Swiggy HDFC Bank Credit Card ₹12,000 · Closed to new applicants
  75. HDFC Harley-Davidson Diners Club ₹8,004 · Closed to new applicants
  76. Myntra Kotak ₹6,000 · Closed to new applicants
  77. RBL World Plus ₹6,000 · Not confirmed on sale
  78. PNB LUXURA Metal (Visa Infinite) ₹3,600 · Not confirmed on sale
  79. PNB LUXURA Metal (RuPay) ₹3,600 · Not confirmed on sale
  80. RBL World Max ₹3,300 · Not confirmed on sale
  81. KVB SBI Platinum Card ₹3,000 · Not confirmed on sale
  82. South Indian Bank SBI Platinum Card ₹3,000 · Not confirmed on sale
  83. KVB SBI Signature Card ₹3,000 · Not confirmed on sale
  84. SimplySAVE UPI SBI Card ₹2,001 · Invite only
  85. Utkarsh Eternal Credit Card ₹1,500 · Invite only
  86. Utkarsh Rhodium Credit Card ₹1,500 · Invite only
  87. Shaurya SBI Card ₹1,500 · Not confirmed on sale
  88. Apollo SBI Card ₹2,160 · Not confirmed on sale · Ranked lower: includes points worth full value only in one app
  89. Utkarsh SmartGen Credit Card ₹1,200 · Invite only
  90. Axis Bank Signature ₹1,200 · Closed to new applicants
  91. Kotak Royale Signature ₹801 · Closed to new applicants
  92. Shaurya Select SBI Card ₹600 · Not confirmed on sale
  93. RBL vCard ₹300 · Closed to new applicants
Not ranked — no dining number we will stand behind 6 cards

Nothing per rupee at the table — this card's ongoing dining rate is zero — On no exclusion list · counts toward the quarterly milestone at face value (2): DCB PayLess Select Credit Card , DCB PayLess Platinum Credit Card .

Nothing per rupee at the table — this card's ongoing dining rate is zero — an extra 25% off up to ₹1,000 a bill when you pay through the EazyDiner app, capped at ₹2,000 a month… (1): EazyDiner IndusInd Signature .

No dining rate to rank — this card's dining rule is "not applicable", so a brand rate inside it is not a dining rate — RBL publishes no earn rate for general spend on this card, only §3.4's two rules… (1): RBL World Safari Lite .

No dining rate to rank — this card's dining rule is "not applicable", so a brand rate inside it is not a dining rate — HDFC publishes no earn rate for this card's general spend at all, and the 5% is scoped to seven named BRANDS rather than to a… (1): PhonePe HDFC Bank Ultimo .

No dining rate to rank — this card's dining rule is "not applicable", so a brand rate inside it is not a dining rate — HDFC publishes no earn rate for this card's general spend at all, and the 1% is scoped to seven named BRANDS rather than to a… (1): PhonePe HDFC Bank Uno .

How we rank

A RULE THAT SPLITS ONLINE FROM OFFLINE ("5% ordered online, 1% at the table") is credited at 30% of the month online — one share, the same for every card whose rule states the split, and only where the card's own earn table pays that online rate — so the row is the blend of the two published rates, never the online headline. ONE NUMBER, THREE FACTS INSIDE IT. (1) THE ACCELERATED RATE: the dining tier the card's own earn table publishes, at its currency's house ₹/point — admitted only where our own dining rule states the SAME number, so a tier that is merely dining-adjacent (City Union's RuPay variant lists "Food Delivery" and drops Dining; SBI prints "5X" for Shaurya Select and never the per-₹100 figure) cannot out-rank a published rate. A tier may only ever RAISE a card above what it pays across the whole category, never lower it. (2) THE CEILING, converted to ₹ of dining spend a month — the issuer's own spend-equivalent where it published one, else its rupee ceiling divided by the rate, else its POINTS ceiling divided by the raw rate stated in the same sentence, which is the only division that survives a card baking a haircut into its earn. Above the ceiling the card earns its ordinary dining rate, and the card's own monthly earn cap bounds the lot. (3) THE LOCK, printed and NOT discounted: a Swiggy-only or Wednesday-only rate is priced at full, the way /best/fuel prices a BPCL-locked pump, because the reader picks the app the way they pick the pump — so every row says which app and which day. ₹10,000 a month is a two-person urban restaurant-and-delivery bill, and it is stated because the ceilings here land between ₹100 and ₹1,500 of reward a month: the reference is what decides which of them bind. Dining MEMBERSHIPS — EazyDiner, Club Marriott, Taj Epicure, Club ITC Culinaire — are not added to any row: a discount at one chain is not a reward and is worth ₹0 to a reader who eats elsewhere; /perks prices them. 124 priced cards carry a dining rule in our fine-print records and 118 of them are ranked above; 527 priced cards have no dining rule here yet and appear on no part of this page.

The records behind this board — the card records this ranks and the dining rules in our fine-print records — carry re-verification dates from 10 Jul 2026 to 26 Oct 2026; the ranking is recomputed from them on every build.

Every figure comes from each card's own published fee and earn rate. How we value cards.

Questions

Which is the best credit card for dining in India?

2 cards tie at the top — HSBC Live+ and Swiggy BLCK HDFC Bank Credit Card — on ₹12,000 a year at ₹10,000 a month of restaurants and food delivery (₹1,20,000 a year). HSBC Live+ gets there on 10.00% on a dining bill. Its rate is bounded — 10% accelerated cashback, hard-capped at ₹1,200 a month… — and at ₹10,000 a month that bound does not bind. THE HEADLINE RATE IS NOT A DINING RATE, and every dining ad in this country sells it as one: of the 77 here whose dining accelerator we can price, 26 pay it only inside a named app, a channel or a day of the week, and 7 stop before ₹10,000 a month does. The other 41 ranked cards have no dining accelerator at all and earn whatever the card earns everywhere.

How many cards are in this dining ranking?

118 of the 990 Indian personal cards we track are ranked here. 6 are listed unranked with the computed reason — not ranked — no dining number we will stand behind — because a card we can't rank honestly gets named, not hidden. A further 339 are carried but not valued at all — 51 with no annual fee any issuer document states, 241 whose issuer has not published how the card earns, 47 with neither — because scoring an unknown as ₹0 is a claim, not a gap. Business and corporate cards are ranked apart from these: 70 priced ones sit on /cards/best/business, because pricing an MSME card against a personal wallet answers a question nobody asked.

How up to date is this list?

The records behind this board — the card records this ranks and the dining rules in our fine-print records — carry re-verification dates from 10 Jul 2026 to 26 Oct 2026; the ranking is recomputed from them on every build. Nothing on this page is typed by hand: the podium, the table and the numbers in this answer are all recomputed from those records every time the site builds, so a devaluation moves the ranking the day we log it.

Which dining credit cards in India have no annual fee?

16 of the 118 ranked here are lifetime free. The best on ₹/yr at ₹10,000/mo of dining is YES PaisaSave RuPay at ₹7,200. This board's top is a 2-way tie at ₹12,000 — HSBC Live+ (₹999/yr) and Swiggy BLCK HDFC Bank Credit Card (₹1,000/yr) — and the gap to ₹7,200 is what the fee buys.