Spends · category 09 of 15
Which credit cards still earn on Dining & food delivery — September 2026
Of the 1119 cards on the desk, 121 publish a rule for dining & food delivery — and 69 of those pay ABOVE the card's own normal rate here, against 42 at full rewards. The rest: 6 capped, 1 earn nothing, 3 can't do it at all. Every one is below, with the cap, the MCC and the rate a swipe actually returns.
what the counts mean fold that back up
Which credit card is best for dining & food delivery spends in India?
HDFC Diners Club Black Metal (HDFC Bank) pays 3.33% on dining & food delivery — and a slice of the category pays more still — the best rate of any card with a published rule here. 121 cards publish one, 1 of which earn nothing at all.
On a budget: Unity Bank BharatPe Credit Card (Unity Small Finance Bank) pays 2.00% on dining & food delivery for ₹0/yr or less, and it's open to apply.
MCC 5812, 5814, 5813, 5811 · 121 cards read line by line · rates at our house ₹/point
The three that actually pay
Ranked by what ₹100 of dining & food delivery returns — first-tier earn × this category's published treatment × our ₹/point. The same math the wallet winner ranks your own cards by.
- 01 HDFC Diners Club Black Metal
10 Reward Points per ₹150 on weekend dining at standalone restaurants, on a minimum ₹150 bill — the 2X, and the extra half of it (5 bonus RP per ₹150) is capped at 1,000 bonus Reward Points a DAY (since 1-Jul-2020) — 1,000 ÷ 5 × ₹150 is ₹30,000 at the table in a day, roughly 30,000 RP of bonus and about ₹9,00,000 of weekend dining a month, so no household's restaurant bill reaches it. EMI-converted and wallet-funded restaurant spends are out of it, and a weekday bill or a chain restaurant earns the ordinary 5 RP/₹150
3.33% accelerated a slice of this category pays MORE — see the rule - 02 Unity Bank BharatPe Credit Card
Earns the full 2%
2.00% full earn - 03 HSBC Live+
MCC 5811/5812/5813/5814 (Restaurants) earn the accelerated 10% — the MCC table files "food delivery" under the same restaurant codes, not a separate one — inside the ONE shared ₹1,200-a-month accelerator ceiling with groceries, shopping and utilities (Key Things §2, MCC table p.21)
1.50% capped up to a monthly cap — see the rule
Every card with a published rule
121 cards
Accelerated first, then full earners, then capped, then reduced, then the zeroes — each block by the rate it returns here. The rule text is the issuer's own, quoted from the document we read.
| Card | Earns | Rate here | The cap, and the rule it comes from |
|---|---|---|---|
| HDFC Diners Club Black Metal HDFC Bank | accelerated | 3.33% | 10 Reward Points per ₹150 on weekend dining at standalone restaurants, on a minimum ₹150 bill — the 2X, and the extra half of it (5 bonus RP per ₹150) is capped at 1,000 bonus Reward Points a DAY (since 1-Jul-2020) — 1,000 ÷ 5 × ₹150 is ₹30,000 at the table in a day, roughly 30,000 RP of bonus and about ₹9,00,000 of weekend dining a month, so no household's restaurant bill reaches it. EMI-converted and wallet-funded restaurant spends are out of it, and a weekday bill or a chain restaurant earns the ordinary 5 RP/₹150 |
| SpiceJet Axis Bank Voyage Black Axis Bank | accelerated | 1.50% | 12 SpiceClub points per ₹200 on dining and food delivery — 3% at the ₹0.50 a SpiceClub point is marked at, double the 6 SC/₹200 base. Axis gates the rung by MCC — 5812 and 5814 for restaurants and fast food, plus 4900, 5499, 7829 and 7832 — so a spend outside those codes drops straight to the base rate, and no ceiling is published on it |
| Axis Bank ACE Axis Bank | accelerated | 1.50% | Swiggy and Zomato pay 4% on their own websites and apps, inside the shared ₹500-per-statement ceiling |
| Myntra Kotak Kotak Mahindra Bank | accelerated | 1.25% | 5% at Swiggy and Swiggy Instamart as preferred partners, sharing one ₹1,000 per-statement-cycle ceiling with PVR, Cleartrip and Urban Company |
| HDFC Diners Club Privilege HDFC Bank | accelerated | 1.00% | 20 Reward Points per ₹200 (5%) on Swiggy and Zomato — 5X the 4 RP/₹200 base — and the extra 4X is capped at 2,500 Reward Points a month. A restaurant bill outside those two apps earns the base |
| IndiGo Kotak Premium Credit Card Kotak Mahindra Bank | accelerated | 1.00% | 3 BluChips per ₹100 on dining and entertainment — 1.5% at the ₹0.50 a BluChip is marked at, against the 2 BluChips per ₹100 base, and Kotak publishes no cap on the BluChips earned in a year |
| Paytm HDFC Bank Select HDFC Bank | accelerated | 1.00% | 3% on Swiggy, inside one ceiling of 500 CashPoints a calendar month SHARED with AJIO, BigBasket and Uber — about ₹16,700 of accelerated spend a month, and HDFC publishes no split of it. A restaurant bill outside Swiggy earns the 1% base |
| Fibe Axis Bank Credit Card Axis Bank | accelerated | 1.00% | 3% on MCC 5812 (eating places and restaurants) and 5814 (fast food) — the online food-delivery leg of the accelerator |
| Flipkart Axis Bank Credit Card Axis Bank | accelerated | 1.00% | Swiggy food delivery is a preferred merchant at 4% — but only Food Delivery: the cashback T&C excludes Instamart and Genie by name |
| HDFC Bank Millennia HDFC Bank | accelerated | 1.00% | 5% back as CashPoints on Swiggy and Zomato, inside one ceiling of 1,000 CashPoints a calendar month SHARED with the other eight brands in the 5% list — about ₹20,000 of accelerated spend a month, and HDFC publishes no split of it. Non-EMI only; a restaurant bill outside those apps earns the 1% base |
| Flipkart SBI Card SBI Card | accelerated | 1.00% | 4% at Zomato — one of exactly four preferred merchants (Netmeds, PVR, Uber and Zomato), against the 1% unlimited base — capped at ₹4,000 of cashback a quarter, about ₹1,333 a month, roughly ₹33,300 of preferred merchant spend a month averaged across the quarter. A restaurant bill anywhere else earns the 1% base, and SBI reserves the right to change which four merchants these are |
| Paytm HDFC Bank Digital HDFC Bank | accelerated | 1.00% | 2% on Swiggy, capped at ₹250 a calendar month and shared with Uber |
| Swiggy Ornge HDFC Bank Credit Card HDFC Bank | accelerated | 1.00% | 5% on the Swiggy app only — food delivery, Instamart and Dineout — and it SHARES one ₹1,500-a-billing-cycle cashback ceiling with the 5% online leg. Swiggy Money Wallet and Swiggy Liquor are excluded, and a transaction must be ₹249 or more. An ordinary restaurant swipe outside the Swiggy app earns 1% |
| Swiggy BLCK HDFC Bank Credit Card HDFC Bank | accelerated | 1.00% | 10% on the Swiggy app only — food delivery, Instamart and Dineout — capped at ₹1,500 of cashback a billing cycle in its OWN right, so it runs out at ₹15,000 of Swiggy spend a month. Swiggy Money Wallet and Swiggy Liquor are excluded, and a transaction must be ₹249 or more. A restaurant swipe outside the app earns 1% |
| RBL Paisabazaar Duet Plus RBL Bank | accelerated | 1.00% | 2.5% cashback on dining, sharing the ₹200 monthly ceiling with travel; everything past it drops to the 1% rung and its own ₹300 ceiling |
| Swiggy HDFC Bank Credit Card HDFC Bank | accelerated | 1.00% | 10% cashback on Swiggy app spend — food ordering, Instamart, Dineout and Genie — capped at ₹1,500 a billing cycle, which ₹15,000 of Swiggy spend reaches. Three things inside the app earn NOTHING: "transactions done using Swiggy Money Wallet, Swiggy Liquor, Swiggy Minis won't earn you any cashback". A restaurant billed anywhere but Swiggy falls to the 1% rung and its ₹500 ceiling |
| PNB LUXURA Metal (RuPay) Punjab National Bank | accelerated | 1.00% | 12 RP/₹100 on travel and dining — the 3X, 3% at the ₹0.25 a PNB point redeems for, against the 4 RP/₹100 base. PNB documents the 3X on the card's own product page and publishes no ceiling on it, the same way it publishes no merchant-category exclusion list for any card on its shelf |
| PNB LUXURA Metal (Visa Infinite) Punjab National Bank | accelerated | 1.00% | 12 RP/₹100 on travel and dining — the 3X, 3% at the ₹0.25 a PNB point redeems for, against the 4 RP/₹100 base. PNB documents the 3X on the card's own product page and publishes no ceiling on it, the same way it publishes no merchant-category exclusion list for any card on its shelf |
| Marriott Bonvoy HDFC Bank HDFC Bank | accelerated | 0.86% | 4 points per ₹150 on dining, travel and entertainment, against the 2 points per ₹150 the card pays everywhere else — and the accelerated tier applies up to ₹5,00,000 of monthly spend |
| IRCTC SBI Card Premier SBI Card | accelerated | 0.80% | 3 RP per ₹125 on dining — 2.4% at the ₹1 a Reward Point is worth against an IRCTC train fare, three times the 1 RP/₹125 base, and SBI publishes no ceiling on it. Read the scope carefully — the card's own record groups this rung as "dining and utility standing instructions", and nothing in the document settles whether the standing-instruction clause reaches dining or only the utility half of it |
| BOBCARD Eterna BOBCARD (Bank of Baroda) | accelerated | 0.75% | 15 RP/₹100 on dining — 3.75% at the ₹0.25 a BOBCARD point redeems for, against the 3 RP/₹100 core rate — and the 5X tier is capped at 5,000 RP a statement cycle, about ₹33,000 of accelerated spend a cycle. Fast food sits in Annexure 1 and earns nothing at all, so the 5X is the sit-down restaurant bill only |
| BOBCARD Tiara BOBCARD (Bank of Baroda) | accelerated | 0.75% | 15 RP/₹100 on dining — 3.75% at the ₹0.25 a BOBCARD point redeems for, against the 3 RP/₹100 core rate — and the 5X tier is capped at 5,000 RP a statement cycle, about ₹33,000 of accelerated spend a cycle |
| AU Zenith AU Small Finance Bank | accelerated | 0.75% | 5 RP/₹100 on dining — 1.25% at the ₹0.25 an AU point redeems for, against the 3 RP/₹100 base — and dining is capped at 5,000 RP a statement cycle, about ₹1,00,000 of dining a cycle |
| SpiceJet Axis Bank Voyage Axis Bank | accelerated | 0.75% | 6 SpiceClub points per ₹200 on dining and food delivery — 1.5% at the ₹0.50 a SpiceClub point is marked at, double the 3 SC/₹200 base. Axis gates the rung by MCC — 5812 and 5814 for restaurants and fast food, plus 4900, 5499, 7829 and 7832 — so a spend outside those codes drops straight to the base rate, and no ceiling is published on it |
| Axis Bank Cashback Axis Bank | accelerated | 0.75% | Online food delivery rides the ladder; a card-present restaurant bill earns the 0.75% base |
| RBL Platinum Maxima RBL Bank | accelerated | 0.50% | 10 RP per ₹100 on dining — 2.5% at the ₹0.25 an RBL point redeems for, against the 2 RP/₹100 base — and dining SHARES one ceiling of 1,000 bonus Reward Points a month with entertainment, grocery and international purchases, about ₹10,000 of accelerated spend a month. RBL publishes no split of that ceiling, so none of it belongs to dining alone |
| RBL Platinum Maxima Plus RBL Bank | accelerated | 0.50% | 10 RP per ₹100 on dining — 2.5% at the ₹0.25 an RBL point redeems for, against the 2 RP/₹100 base — and dining SHARES one ceiling of 1,000 bonus Reward Points a month with entertainment, grocery and international purchases, about ₹10,000 of accelerated spend a month. RBL publishes no split of that ceiling, so none of it belongs to dining alone |
| IndiGo Kotak Credit Card Kotak Mahindra Bank | accelerated | 0.50% | 2 BluChips per ₹100 on dining and entertainment — 1% at the ₹0.50 a BluChip is marked at, double the 1 BluChip per ₹100 base |
| RBL Icon RBL Bank | accelerated | 0.50% | 20 RP/₹100 on dining, but ONLY at the weekend — 5% at the ₹0.25 an RBL point redeems for, against the 2 RP/₹100 base — and capped at 2,000 RP a month, about ₹10,000 of weekend dining a month. International spend earns the same 20 RP/₹100 under a separate ceiling of its own. RBL does not publish this card's MCC exclusion table, so the zeroes on this row follow RBL's standard list rather than a document naming Icon |
| SBI Card ELITE SBI Card | accelerated | 0.50% | 10 RP per ₹100 on dining — the 5X, 2.5% at the ₹0.25 an SBI Reward Point redeems for, against the 2 RP/₹100 base — and the accelerated buckets cap at 10,000 Reward Points a calendar month, about ₹1,00,000 of accelerated spend a month, after which dining drops back to the 2-point base. The card's own booklet excludes fuel and then hands the rest off to the Shop-and-Smile register |
| AU Ananta AU Small Finance Bank | accelerated | 0.50% | 5 RP/₹100 on dining — 1.25% at the ₹0.25 an AU point redeems for, against the 2 RP/₹100 base — and dining SHARES one 5,000-RP-a-statement-cycle ceiling with shopping and travel, about ₹1,00,000 of category spend a cycle. AU publishes no split of that ceiling, so none of it belongs to dining alone |
| SBI Card PRIME SBI Card | accelerated | 0.50% | 10 RP per ₹100 on dining — MCC 5812, 5813 and 5814 — 2.5% at four points to the rupee, five times the 2 RP/₹100 base. The accelerated buckets cap at 7,500 Reward Points a calendar month, about ₹75,000 of accelerated spend a month, SHARED with departmental stores, grocery and movies, after which dining reverts to the base |
| IndiGo Axis Bank Credit Card Axis Bank | accelerated | 0.50% | 2 BluChips per ₹100 on dining — 1% at the ₹0.50 a BluChip is marked at, double the 1 BluChip per ₹100 base. Dining accelerates alongside groceries and neither is on the card's own published exclusion list; only IndiGo's own channels earn more |
| BOBCARD Premier BOBCARD (Bank of Baroda) | accelerated | 0.50% | 10 RP/₹100 on dining — 2.5% at the ₹0.25 a BOBCARD point redeems for, against the 2 RP/₹100 core rate — and the 5X tier is capped at 2,000 RP a statement cycle, about ₹20,000 of accelerated spend a cycle |
| SBI Card PULSE SBI Card | accelerated | 0.50% | 10 RP per ₹100 on dining — 2.5% at four points to the rupee, five times the 2 RP/₹100 base — and the health-shaped accelerator caps at 7,500 Reward Points a calendar month, about ₹75,000 of accelerated spend a month, SHARED with chemist, pharmacy, sports and movies. §11.4(b) names only fuel and hands the rest to the Shop-and-Smile register, whose dated card lists name SBI Card Pulse on every one |
| Reliance SBI Card PRIME SBI Card | accelerated | 0.50% | 5 Reward Points per ₹100 on dining — MCC 5812, 5813 and 5814 in §11.4(c), alongside movies and entertainment, domestic airlines and international spend — 1.25% at four points to the rupee, against the 2 RP/₹100 base. §11.5(a) is an exhaustive exclusion list and dining is not on it; no ceiling is published on this rung |
| Landmark Rewards SBI Card PRIME SBI Card | accelerated | 0.50% | 10 Reward Points per ₹100 on dining, movies and international spend — 2.5% at four points to the rupee, five times the 2 RP/₹100 base. §11.4(c) is this card's only card-specific exclusion clause and it covers fuel alone, so dining is not carved out anywhere; SBI publishes no ceiling on this rung either |
| Kotak Cashback+ Kotak Mahindra Bank | accelerated | 0.50% | 5% on online food deliveries — 20 Reward Points per ₹100 at the ₹0.25 house value; a card-present restaurant bill earns the 0.5% base. Shares the 750-point monthly bucket with the groceries leg, the other 5% legs and the 3% fuel leg, about ₹3,750 of online food delivery spend a month at that rate |
| Kotak Cashback+ Prime Kotak Mahindra Bank | accelerated | 0.50% | 5% on online food delivery — 20 Reward Points per ₹100 at the ₹0.25 house value; a card-present restaurant bill earns the base. Shares the 750-point monthly bucket with the groceries leg, the other 5% legs and the 3% fuel leg, about ₹3,750 of online food delivery spend a month at that rate |
| Landmark Rewards SBI Card SELECT SBI Card | accelerated | 0.50% | 10 Reward Points per ₹100 on dining and movies — 2.5% at four points to the rupee |
| RBL Platinum Max RBL Bank | accelerated | 0.50% | 20 RP/₹100 on Wednesday dining, capped at 1,000 RP a month — roughly ₹5,000 of Wednesday dining exhausts it. Every other day dining earns the base 2 RP/₹100 |
| RBL Platinum Prime RBL Bank | accelerated | 0.50% | 20 RP/₹100 on Wednesday dining — a 5% discount in RBL's own framing — capped at 1,000 RP a month; base 2 RP/₹100 the rest of the week |
| RBL World Plus RBL Bank | accelerated | 0.50% | 20 Reward Points per ₹100 on dining — 5% at the ₹0.25 an RBL point redeems for, against the 2 RP/₹100 base, and no day-of-week lock on this one — capped at 2,000 Reward Points a month, about ₹10,000 of dining a month. International spend earns the same 20 per ₹100 under a separate ceiling of its own. RBL publishes no dedicated T&C PDF for this card, so the exclusions on this row are its product page's own two footnotes |
| RBL World Max RBL Bank | accelerated | 0.50% | 20 Reward Points per ₹100 on dining, but WEEKENDS only — 5% at the ₹0.25 an RBL point redeems for, against the 2 RP/₹100 base — and capped at 1,000 Reward Points a month, which is ₹5,000 of weekend dining and no more. Every rupee past that earns the base, and a weekday restaurant bill never reaches the rate at all |
| KVB SBI Signature Card SBI Card | accelerated | 0.50% | 10 RP per ₹100 on dining — the 5X, 2.5% at the ₹0.25 an SBI Reward Point redeems for, against the 2 RP/₹100 base — and it runs until 10,000 Reward Points have accrued in a month, about ₹1,00,000 of accelerated spend, SHARED with departmental stores and grocery. The KVB co-brand kit is an image-only PDF with no machine-readable reward clause, so this is the Shop-and-Smile register's answer for a card it names outright |
| KVB SBI Platinum Card SBI Card | accelerated | 0.50% | 10 RP per ₹100 on dining — the 5X, 2.5% at the ₹0.25 an SBI Reward Point redeems for, against the 2 RP/₹100 base — and it runs until 7,500 Reward Points have accrued in a month, about ₹75,000 of accelerated spend, SHARED with departmental stores and international spend. The KVB Platinum kit carries no reward-exclusion clause of its own, so this is the Shop-and-Smile register's answer for a card it names outright |
| South Indian Bank SBI Platinum Card SBI Card | accelerated | 0.50% | 10 RP per ₹100 on dining — the 5X, 2.5% at four points to the rupee, against the 2 RP/₹100 base — and it runs until 7,500 Reward Points have accrued in a month, about ₹75,000 of accelerated spend, SHARED with departmental stores and international spend. The South Indian Bank kit carries no reward-exclusion clause of its own, so this is the Shop-and-Smile register's answer for a card it names outright |
| Shaurya Select SBI Card SBI Card | accelerated | 0.50% | 5X Reward Points — dining sits in the accelerated list alongside CSD canteens, movies, departmental stores and grocery |
| Apollo SBI Card SELECT SBI Card | accelerated | 0.45% | 2 Reward Points per ₹100 on dining — MCC 5812 and 5814 in §11.6's accelerated list, alongside travel and movies — about 1.8% at the ₹0.90 an Apollo Health Credit is marked at, four times the 0.5 RP/₹100 base. §11.6(a) is an exhaustive exclusion list and dining is not on it, nor on the three clauses behind it |
| Apollo SBI Card SBI Card | accelerated | 0.45% | 2 Reward Points per ₹100 on dining, movies and entertainment — four times the base denominator, about 1.8% |
| IDFC FIRST Wealth IDFC FIRST Bank | accelerated | 0.38% | 10 RP per ₹200 on dining — the 10X, 1.25% at the flat ₹0.25 an IDFC FIRST point redeems for, against the 3 RP/₹200 base. Since 18 June 2026 it starts on the first transaction rather than on incremental spend, and dining is one of the four categories that reach it at all |
| IDFC FIRST Select IDFC FIRST Bank | accelerated | 0.38% | 10 RP per ₹200 on dining — the 10X, 1.25% at the flat ₹0.25 an IDFC FIRST point redeems for, against the 3 RP/₹200 base. The 18 June 2026 restructure pointed the 10X at categories — dining, travel, international and birthday — instead of incremental spend, so it starts on the first transaction |
| IDFC FIRST Millennia IDFC FIRST Bank | accelerated | 0.38% | 10 RP per ₹200 on dining — the 10X, 1.25% at the flat ₹0.25 an IDFC FIRST point redeems for, against the 3 RP/₹200 base. Since the 18 June 2026 restructure the 10X follows CATEGORIES rather than incremental spend, so it starts on the first transaction |
| IDFC FIRST Classic IDFC FIRST Bank | accelerated | 0.38% | 10 RP per ₹200 on dining — the 10X, 1.25% at the flat ₹0.25 an IDFC FIRST point redeems for, against the 3 RP/₹200 base. Since the 18 June 2026 restructure the 10X follows CATEGORIES rather than incremental spend, so it starts on the first transaction |
| Kotak Royale Signature Kotak Mahindra Bank | accelerated | 0.33% | 4 Reward Points per ₹150 on a restaurant bill — 0.67% at the ₹0.25 a Kotak point redeems for, double the 2 per ₹150 the card pays on other eligible base categories. Restaurants sit in Kotak's accelerated list beside hotels, travel agencies, tour operators and airlines, per its dated revision table w.e.f. 1 June 2025 and its own published MCC register |
| RBL Bank Blockbuster RBL Bank / BookMyShow | accelerated | 0.25% | 20 Reward Points per ₹100 on dining, but ONLY on Saturday and Sunday — 5% at the ₹0.25 an RBL point redeems for, against the 1 RP/₹100 base — and capped at 2,000 Reward Points a billing cycle, about ₹10,000 of weekend dining a cycle. The same T&C exclusion table that zeroes fuel, rent, government, utilities, insurance, education and wallet also strips those spends out of the milestone ladder, not just the earn. A weekday restaurant bill earns the base |
| BPCL SBI Card OCTANE SBI Card | accelerated | 0.25% | 10 RP/₹100 on dining — 2.5% at the ₹0.25 an SBI Reward Point redeems for, ten times the 1 RP/₹100 base — on MCC 5812, 5813 and 5814 in §11.4(a). The 10X is CUMULATIVELY capped at 7,500 Reward Points a month across groceries, departmental stores, dining and movies, about ₹75,000 of accelerated spend a month, and SBI names Metro Cash & Carry and Walmart out of it |
| Federal Bank Celesta Federal Bank | accelerated | 0.25% | 2 RP/₹100 on dining — the 2X tier, 0.5% at the ₹0.25 a Federal Rewards portal point redeems for, against the 1 RP/₹100 base. It is the smaller of the card's two accelerators; travel and international run at 3X |
| AU Zenith+ AU Small Finance Bank | accelerated | 0.25% | 2 RP/₹100 on dining — 0.5% at the ₹0.25 an AU point redeems for, double the 1 RP/₹100 base. The per-cycle ceiling AU publishes on this card bounds the utility, telecom, insurance, education, government and rent bucket; dining is not in it |
| HDFC Bank MoneyBack+ HDFC Bank | accelerated | 0.25% | 20 CashPoints per ₹200 on Swiggy — the 10X, which is HDFC's own "upto 2.5% valueback" at a CashPoint worth up to ₹0.25 — inside one ceiling of 2,500 CashPoints a calendar month SHARED with Amazon, BigBasket, Flipkart and Reliance Smart SuperStore, about ₹25,000 of accelerated spend a month. Non-EMI only, and a restaurant bill outside Swiggy earns the 2 CashPoints per ₹200 base |
| Landmark Rewards SBI Card SBI Card | accelerated | 0.25% | 5 Reward Points per ₹100 on dining and movies — 1.25% at four points to the rupee |
| RBL Movies and More RBL Bank | accelerated | 0.25% | 20 RP/₹100 on Wednesday dining and 10 RP/₹100 at Pizza Hut and KFC any day — RBL publishes no cap on either rung, unusually for this shelf. Any other restaurant on any other day earns 1 RP/₹100. All of it counts toward the ₹2 lakh and ₹3.5 lakh milestones |
| RBL BankBazaar SaveMax RBL Bank | accelerated | 0.25% | 10% cashback at Zomato, capped at ₹100 a month — so ₹1,000 of Zomato a month exhausts it. Any other restaurant earns the base 1 RP/₹100 |
| AU LIT Credit Card AU Small Finance Bank | accelerated | 0.25% | 1 RP/₹100 base, 5X or 10X with the channel feature bought, plus a dining cashback feature over MCC 5811, 5812, 5813 and 5814. Again: features are purchased, not granted |
| Shaurya SBI Card SBI Card | accelerated | 0.25% | 5 Reward Points per ₹100 — about 1.25% — but dining shares a 5,000-point monthly ceiling with departmental stores, movies and the CSD canteen, after which it falls back to 1 point per ₹100 |
| RBL vCard RBL Bank | accelerated | 0.25% | 40 Reward Points per ₹100 on ONLINE Pizza Hut and Domino's orders, Wednesdays only, capped at 1,000 bonus RP a billing cycle; no other dining accelerator exists |
| RBL Cookies RBL Bank | accelerated | 0.20% | 10% cashback at Zomato specifically — ₹300 a month from that brand, inside a ₹900 all-brand monthly ceiling, on transactions above ₹100. A restaurant that is not Zomato earns the ordinary 1 RP/₹100, or 5X if the bill settles online |
| SimplySAVE SBI Card SBI Card | accelerated | 0.17% | 10 Reward Points per ₹150 — MCC 5812 restaurants, 5813 drinking places, 5814 fast food. Shares the 5,000-point monthly ceiling with the other three promoted categories, then reverts to 1 point per ₹150 |
| HDFC Bank Freedom HDFC Bank | accelerated | 0.07% | 10 CashPoints per ₹200 on Swiggy — the 10X — inside one ceiling of 2,500 CashPoints a calendar month SHARED with BigBasket, BookMyShow, OYO and Uber, about ₹50,000 of accelerated spend a month. HDFC publishes no split of that ceiling, non-EMI spends only, and a restaurant bill outside Swiggy earns the 1 CashPoint per ₹200 base |
| Unity Bank BharatPe Credit Card Unity Small Finance Bank | full earn | 2.00% | Earns the full 2% |
| HDFC Harley-Davidson Diners Club HDFC Bank | full earn | 1.33% | 20 Reward Points per ₹150 on Swiggy and Zomato specifically — 5X, and the only standing accelerator outside SmartBuy |
| Utkarsh Eternal Credit Card Utkarsh Small Finance Bank | full earn | 1.25% | Earns the 1.25% base; Utkarsh publishes no accelerated category on any of its cards |
| Utkarsh Rhodium Credit Card Utkarsh Small Finance Bank | full earn | 1.25% | Earns the 1.25% base; Utkarsh publishes no accelerated category on any of its cards |
| CASHBACK SBI Card SBI Card | full earn | 1.00% | 5% ordered online, 1% at the table |
| Utkarsh SmartGen Credit Card Utkarsh Small Finance Bank | full earn | 1.00% | Earns the 1% base; Utkarsh publishes no accelerated category on any of its cards |
| RBL Paisabazaar Duet RBL Bank | full earn | 1.00% | Absent from the ineligible-MCC table — the full 1%, inside the ₹500-a-month ceiling |
| AU Altura Credit Card AU Small Finance Bank | full earn | 1.00% | Not named in AU's exclusion note — the 1% ordinary-retail tier, inside its ₹50-a-cycle ceiling |
| SBM MobiKwik First Credit Card SBM Bank (India) | full earn | 1.00% | On no exclusion list; earns the flat 1% |
| Paisabazaar Paisa Plus Credit Card SBM Bank (India) | full earn | 1.00% | On no exclusion list; earns the base 1%, or 1.5% online at the ₹10,000-deposit tier |
| IndianOil RBL Bank XTRA Credit Card RBL Bank | full earn | 1.00% | A restaurant bill earns the card's base and nothing more — 2 Fuel Points per ₹100, worth about 1% at the ₹0.50 an IOCL pump pays for a Fuel Point and about 0.2% on RBL's own rewards portal. Dining appears on neither the T&C §3.8 exclusion table nor the product page's own note, and this card has no dining accelerator at all; its 15X is fuel at an IOCL outlet on an IndianOil-listed TID/MID |
| CUB CSK Master Platinum City Union Bank | full earn | 0.60% | 2X — dining is on this variant's §2.2 accelerator list, and CUB works the illustration as "Dining Spend (2X category) → Final = 40 RP". 1.6 RP per ₹100, worth 1.2% at the ₹0.75 Master Platinum point. Note the RuPay Platinum's own 2X list (§2.1) DROPS dining, so this is a genuine Mastercard-variant difference |
| CUB SRH Master Platinum City Union Bank | full earn | 0.60% | 2X — on §2.2's accelerator list, worth 1.2% at the ₹0.75 Master Platinum point. The RuPay Platinum's §2.1 list drops dining; this one keeps it |
| IRCTC RBL Bank Credit Card RBL Bank | full earn | 0.50% | A restaurant bill earns the card's base — 1 Reward Point per ₹200, about 0.5%. Dining is absent from the excluded-MCC list this card publishes, and every accelerator on it points at rails rather than restaurants — 5 RP/₹200 on IRCTC train tickets, 3 on FASTag, NCMC and UTS reloads, 2 on IRCTC flights and hotels |
| Union JCB Wellness Union Bank of India | full earn | 0.50% | Better than base, not merely unrestricted — dining sits in this card's 4 RP per ₹100 band (1.0% at Union's own ₹0.25 a point), double the 2 RP per ₹100 it pays on other non-fuel spend, alongside shopping, groceries, departmental stores and apparel. Union publishes no ceiling on the band |
| AU Bank NOMO Credit Card AU Small Finance Bank | full earn | 0.50% | Not excluded anywhere AU publishes — 2 RP/₹100, inside the 5,000-RP statement-cycle ceiling |
| ICICI Bank Parakram Select ICICI Bank | full earn | 0.50% | 2 RP per ₹100 — dining sits in the T&C's "All Categories" row with no exclusion or cap |
| Axis Bank Shoppers Stop Credit Card Axis Bank | full earn | 0.50% | Earns the base rate; dining appears on no exclusion list. The dining benefit here is a discount rather than points — 15% off on EazyDiner, capped at ₹500 a month on a minimum ₹2,500 order |
| RBL Platinum Delight RBL Bank | full earn | 0.50% | Absent from both exclusion lists — 2 RP/₹100 on weekdays, 4 RP/₹100 Saturday and Sunday, capped at 1,000 RP a month; counts in full toward the waiver |
| Suryoday SFB RuPay Platinum Suryoday Small Finance Bank | full earn | 0.50% | Restaurant MCCs appear nowhere on the exclusion table and earn the full 0.5% |
| Suryoday SFB RuPay Select Suryoday Small Finance Bank | full earn | 0.50% | Not on the exclusion table — earns the full 0.5% |
| IndianOil RBL Bank Credit Card RBL Bank | full earn | 0.50% | A restaurant bill earns the card's base and nothing more — 1 Fuel Point per ₹100, worth about 0.5% at the ₹0.50 an IOCL pump pays for a Fuel Point and about 0.1% on RBL's own rewards portal. Dining is on neither the T&C §3.7 exclusion table nor the product page's added Fuel & Auto note, and the card's only accelerator is fuel at an IOCL outlet |
| CUB CSK RuPay Platinum City Union Bank | full earn | 0.33% | Base rate only. CUB's §2.1 list for this variant reads "Apparel, Department Stores, and Food Delivery" — Food DELIVERY, not dining. The Master Platinum's §2.2 list adds Dining; this one does not, and CUB does not publish the MCCs behind either phrase |
| CUB SRH RuPay Platinum City Union Bank | full earn | 0.33% | Base rate only — §2.1's list is "Apparel, Department Stores, and Food Delivery" and drops the Dining the Master Platinum's §2.2 list carries |
| ICICI Bank Parakram ICICI Bank | full earn | 0.25% | 1 RP per ₹100 — dining sits in the T&C's "All categories" row with no exclusion or cap |
| RBL Platinum ShopGain RBL Bank | full earn | 0.25% | Absent from the exclusion table — the card's ordinary 1 RP/₹100 |
| RBL Platinum Plus RBL Bank | full earn | 0.25% | Absent from the exclusion table — 1 RP/₹100, or 2 RP/₹100 booked online within the 1,000-point online cap |
| RBL Platinum Choice RBL Bank | full earn | 0.25% | Absent from the exclusion table — 1 RP/₹100, or 2 RP/₹100 for an online order inside the 1,000-point cap |
| RBL Platinum Advantage RBL Bank | full earn | 0.25% | Absent from the exclusion table — 1 RP/₹100. Unlike Platinum Max and Prime this card has no Wednesday dining accelerator |
| RBL Binge RBL Bank | full earn | 0.25% | Absent from the exclusion table — 1 RP/₹100, or 12 RP/₹100 for an online order inside the 800-RP monthly ceiling |
| RBL Shoprite RBL Bank | full earn | 0.25% | Absent from both exclusion lists — the base 2 RP/₹100, counting in full toward the waiver. Food delivery billed as grocery (5411) picks up the 20 RP/₹100 rate instead |
| RBL Patanjali Vishisht RBL Bank | full earn | 0.25% | Absent from both lists — the base 1 RP/₹100, counting toward the milestone |
| RBL Bank DMI Finance RBL Bank | full earn | 0.25% | Absent from the exclusion list — 1 RP/₹100, or 2 RP/₹100 ordered online; full milestone credit |
| AU Altura Plus Credit Card AU Small Finance Bank | full earn | 0.25% | Not named in AU's exclusion note — 1.5% cashback offline to the ₹100 ceiling, then 1 RP/₹100, or 2 RP/₹100 for a delivery order billed online |
| Paisabazaar Step-Up SBM Credit Card SBM Bank (India) | full earn | 0.25% | On no exclusion list; earns the base 0.25% |
| RBL Bank SalarySe UP RBL Bank | full earn | 0.20% | Absent from the card's MCC exclusion table — 1 RP/₹100, counting toward the waiver |
| Axis Bank Signature Axis Bank | full earn | 0.20% | 1 EDGE point per ₹100, plus up to 15% off at selected Visa fine-dining restaurants — a discount, not extra points |
| Axis Bank NEO Axis Bank | full earn | 0.10% | Dining is on neither of Axis's two exclusion lists, so a restaurant bill earns the ordinary 1 EDGE REWARD Point per ₹200 — about 0.1%. The Zomato benefit is a flat ₹120 off an order over ₹499, twice a calendar month with code AXISNEO — a fixed discount rather than a rate, which is why the card's own dining rung carries no earn |
| RBL MyFirst RBL Bank | full earn | 0.06% | Absent from both exclusion footnotes — the base 1 RP per ₹400 |
| RBL EasySaver RBL Bank | full earn | 0.06% | Absent from both exclusion footnotes — the base 1 RP per ₹400 |
| DCB PayLess Select Credit Card DCB Bank | full earn | — | On no exclusion list; counts toward the quarterly milestone at face value |
| DCB PayLess Platinum Credit Card DCB Bank | full earn | — | On no exclusion list; counts toward the quarterly milestone at face value |
| HSBC Live+ HSBC | capped | 1.50% | MCC 5811/5812/5813/5814 (Restaurants) earn the accelerated 10% — the MCC table files "food delivery" under the same restaurant codes, not a separate one — inside the ONE shared ₹1,200-a-month accelerator ceiling with groceries, shopping and utilities (Key Things §2, MCC table p.21) |
| HSBC RuPay Cashback HSBC | capped | 1.00% | 10% cashback on dining and food delivery — the same accelerated band as groceries, and the same ceiling is the fact that matters. HSBC's own words are "Cashback across both categories is capped at INR 400" a month, ACROSS the 10% and 1% rates together, so ₹4,000 of dining exhausts a whole month's cashback for the entire card and every rupee after it earns nothing |
| Standard Chartered Smart Standard Chartered | capped | 1.00% | Same channel split: 2% ordering online, 1% at the table, inside the same ₹1,000 and ₹500 monthly ceilings |
| IndianOil Kotak Credit Card Kotak Mahindra Bank | capped | 0.50% | 12 Reward Points per ₹150 on MCC 5812, 5813, 5814 and 5499, out of the same 800-point cycle pool the grocery MCCs draw on |
| HDFC Bank UPI RuPay HDFC Bank | capped | 0.25% | 3 CashPoints per ₹100 (0.75%), sharing the same 500-CashPoint monthly ceiling with groceries and PayZapp — roughly ₹16,700 of combined spend a month |
| Reliance SBI Card SBI Card | capped | 0.25% | 5 Reward Points per ₹100 on dining and movies (MCC 5812, 5813, 5814, 7832), capped at 5,000 Reward Points per STATEMENT CYCLE, after which the category reverts to 1 point per ₹100 |
| EazyDiner IndusInd Signature IndusInd Bank | earns nothing | — | Dining earns NO Reward Points at all — the card's own earn table puts fuel and dining outside the co-brand's accrual, which is the fact a card called EazyDiner most needs said out loud. What a restaurant bill pays back here is a DISCOUNT, not a rate — an extra 25% off up to ₹1,000 a bill when you pay through the EazyDiner app, capped at ₹2,000 a month (₹5,000 with ₹30,000 of prior-month non-dining spend) — plus EazyDiner Prime and a complimentary premium alcoholic beverage for every diner at 200+ restaurants |
| RBL World Safari Lite RBL Bank | n/a | — | A restaurant bill earns NOTHING — RBL publishes no earn rate for general spend on this card, only §3.4's two rules (1 Reward Point per ₹100 at domestic travel merchants, 5 per ₹100 on flights and hotels booked inside the RBL Rewards Portal), and dining is in neither. Marked `na` rather than `excluded` for the same reason groceries is — there is no base rate here for an exclusion to carve dining out of |
| PhonePe HDFC Bank Ultimo HDFC Bank | n/a | — | A restaurant bill earns NOTHING as a CATEGORY — 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 dining MCC. Two of the seven are Swiggy and Zomato, and an order there does pay 5%, inside one ceiling of 500 Reward Points a calendar month SHARED with Amazon, Flipkart, Myntra, Ajio and Uber — about ₹10,000 of that spend a month, with no split of the ceiling published. Marked `na` rather than `excluded` for the same reason groceries is — there is no base rate here for an exclusion to carve dining out of |
| PhonePe HDFC Bank Uno HDFC Bank | n/a | — | A restaurant bill earns NOTHING as a CATEGORY — 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 dining MCC. Two of the seven are Swiggy and Zomato, and an order there does pay 1%, inside one ceiling of 500 Reward Points a calendar month SHARED with Amazon, Flipkart, Myntra, Ajio and Uber — about ₹50,000 of that spend a month, with no split of the ceiling published. Marked `na` rather than `excluded` for the same reason groceries is — there is no base rate here for an exclusion to carve dining out of |
Best dining credit cards in India (2026)
The desk's call for the category — a different question from the podium above. The podium ranks what ₹100 of dining & food delivery returns on a swipe today; this board ranks on ₹/yr at ₹10,000/mo of dining , and 3 cards tie at the top. Same data, two views, and each says its own question.
Which is the best credit card for dining in India?
3 cards tie at the top — Swiggy HDFC Bank Credit Card, 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). Swiggy HDFC Bank Credit Card gets there on 10.00% at Swiggy, falling to 1.00% on the same meal billed anywhere else. Its rate is bounded — 10%, capped at ₹1,500 a billing cycle · which it reaches at ₹15,000 of Swiggy spend — 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 73 here whose dining accelerator we can price, 29 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 44 ranked cards have no dining accelerator at all and earn whatever the card earns everywhere.
Nobody's card pays 10.00% on dining. It pays 10.00% inside one app, or online, or on one day of the week, under a ceiling — and 1.00% on the meal you actually ate. Priced with the lock and the ceiling applied, at ₹10,000 a month of restaurants and delivery.
Verified through · The records behind this board — the card records this ranks and the dining rules on our fine-print desk — carry re-verification dates from 10 Jul 2026 to 25 Sept 2026; the board is recomputed from them on every build.
Ranks 1–15 of 117 · ranked by ₹/yr at ₹10,000/mo of dining
| # | Card | ₹/yr at ₹10,000/mo of dining | The math |
|---|---|---|---|
| 1 | Swiggy HDFC Bank Credit Card | ₹12,000 | 10.00% at Swiggy · the rate stops at ₹15,000 of dining a month · 1.00% on the same meal billed anywhere else — 10%, capped at ₹1,500 a billing cycle · which it reaches at ₹15,000 of Swiggy spend · ₹500/yr |
| 2 | HSBC Live+ | ₹12,000 | 10.00% on a dining bill · the rate stops at ₹12,000 of dining a month · 1.50% on every rupee past that ceiling — 10% accelerated cashback, hard-capped at ₹1,200 a month (HSBC never specifies calendar vs · Amazon… · ₹999/yr |
| 3 | Swiggy BLCK HDFC Bank Credit Card | ₹12,000 | 10.00% at Swiggy · the rate stops at ₹15,000 of dining a month · 1.00% on the same meal billed anywhere else — 10%, capped at ₹1,500 of cashback a billing cycle IN ITS OWN RIGHT · so the 10% runs out at ₹15,000… · ₹1,000/yr |
| 4 | HDFC Diners Club Black Metal | ₹8,004 | 6.67% Weekend only · the rate stops at ₹9,00,000 of dining a month · 3.33% on the same meal billed anywhere else — Weekend dining (2X) · 10 RP per ₹150 at standalone restaurants on weekends, minimum ₹150 a bill · t… · ₹10,000/yr |
| 5 | Swiggy Ornge HDFC Bank Credit Card | ₹6,000 | 5.00% at Swiggy · the rate stops at ₹30,000 of dining a month · 1.00% on the same meal billed anywhere else — 5%, and it SHARES a ₹1,500-a-billing-cycle ceiling with the online leg below · Swiggy Money Wallet… · ₹500/yr |
| 6 | PhonePe HDFC Bank Ultimo | ₹6,000 | 5.00% at Swiggy · the rate stops at ₹10,000 of dining a month · 0.00% on the same meal billed anywhere else — Amazon, Flipkart, Myntra, Ajio, Uber, Swiggy and Zomato (5%) · capped at 500 Reward Points a calend… · ₹999/yr |
| 7 | HDFC Diners Club Privilege | ₹6,000 | 5.00% at Swiggy · the rate stops at ₹31,250 of dining a month · 1.00% on the same meal billed anywhere else — Swiggy & Zomato (5X) · 20 RP on every ₹200 (5%) · the 4 RP of base plus 16 bonus RP on each ₹200, a… · ₹1,000/yr |
| 8 | HDFC Bank Millennia | ₹6,000 | 5.00% at Swiggy · the rate stops at ₹20,000 of dining a month · 1.00% on the same meal billed anywhere else — 5% as CashPoints, capped at 1,000 CashPoints (₹1,000) a calendar month · ₹1,000/yr |
| 9 | RBL Movies and More | ₹6,000 | 5.00% Wednesdays only · no ceiling published on this rung · 0.25% on the same meal billed anywhere else — 20 RP per ₹100 · RBL publishes no cap on this rung · ₹1,000/yr |
| 10 | HSBC RuPay Cashback | ₹4,800 | 10.00% on a dining bill · the rate stops at ₹4,000 of dining a month — 10% cashback · but it shares the ₹400 monthly ceiling with everything else, so it is a faster route… · the card itself stops earning past ₹4,000 of spend a month — ₹400 a month is the card's whole reward ceiling, across every rate it pays, and nothing past it earns · ₹499/yr |
| 11 | Axis Bank ACE | ₹4,800 | 4.00% at Swiggy · the rate stops at ₹12,500 of dining a month · 1.50% on the same meal billed anywhere else — 4% on the websites and apps · shares the same ₹500-per-statement cap with the 5% category · ₹499/yr |
| 12 | Flipkart SBI Card | ₹4,800 | 4.00% at Zomato · the rate stops at ₹33,300 of dining a month · 1.00% on the same meal billed anywhere else — 4% on exactly four named merchants, capped at ₹4,000 a quarter · ₹500/yr |
| 13 | BOBCARD Eterna | ₹4,500 | 3.75% on a dining bill · the rate stops at ₹33,333 of dining a month · 0.75% on every rupee past that ceiling — 5X online/dining/travel/international (sit-down restaurants only, fast food MCC 5814 earns zero) ·… · ₹2,499/yr |
| 14 | BOBCARD Tiara | ₹4,500 | 3.75% on a dining bill · the rate stops at ₹33,333 of dining a month · 0.75% on every rupee past that ceiling — 5X dining, travel & international · 15 RP/₹100 = 3.75% · capped 5,000 RP per statement cycle (≈₹33k… · ₹2,499/yr |
| 15 | Fibe Axis Bank Credit Card | ₹3,600 | 3.00% ordered online · no ceiling published on this rung · 1.00% on the same meal billed anywhere else — 3% on eleven named MCCs · ₹0 — lifetime free |
the other 102 — ranks 16 to 117
| # | Card | ₹/yr at ₹10,000/mo of dining | The math |
|---|---|---|---|
| 16 | Paytm HDFC Bank Select | ₹3,600 | 3.00% at Swiggy · the rate stops at ₹16,700 of dining a month · 1.00% on the same meal billed anywhere else — Swiggy, AJIO, BigBasket and Uber (3%) · capped at 500 CashPoints a calendar month across all four ·… · ₹1,000/yr |
| 17 | HDFC Bank MoneyBack+ | ₹3,000 | 2.50% at Swiggy · the rate stops at ₹25,000 of dining a month · 0.25% on the same meal billed anywhere else — Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy (10X) · 20 CashPoints per ₹200 = 10… · ₹500/yr |
| 18 | BOBCARD Premier | ₹3,000 | 2.50% on a dining bill · the rate stops at ₹20,000 of dining a month · 0.50% on every rupee past that ceiling — 5X travel, dining & international · 10 RP/₹100 = 2.5% · capped 2,000 RP per statement cycle, which… · ₹1,000/yr |
| 19 | BPCL SBI Card OCTANE | ₹3,000 | 2.50% on a dining bill · the rate stops at ₹75,000 of dining a month · 0.25% on every rupee past that ceiling — Groceries, departmental stores, dining and movies (10X) · 10 RP/₹100 × ₹0.25 on MCC 5411, 5311, 783… · ₹1,499/yr |
| 20 | RBL Platinum Maxima | ₹3,000 | 2.50% on a dining bill · the rate stops at ₹10,000 of dining a month · 0.50% on every rupee past that ceiling — 10 RP per ₹100 ≈ 2.5% · capped at 1,000 Reward Points a month across the whole bucket · ₹2,000/yr |
| 21 | RBL Platinum Maxima Plus | ₹3,000 | 2.50% on a dining bill · the rate stops at ₹10,000 of dining a month · 0.50% on every rupee past that ceiling — 10 RP per ₹100 ≈ 2.5% · capped at 1,000 Reward Points a month across the whole bucket · ₹2,500/yr |
| 22 | SBI Card PRIME | ₹3,000 | 2.50% on a dining bill · the rate stops at ₹75,000 of dining a month · 0.50% on every rupee past that ceiling — 10 RP per ₹100 · ₹2,999/yr |
| 23 | SBI Card ELITE | ₹3,000 | 2.50% on a dining bill · the rate stops at ₹1,00,000 of dining a month · 0.50% on every rupee past that ceiling — 5X = 10 RP per ₹100 · ₹4,999/yr |
| 24 | IRCTC SBI Card Premier | ₹2,880 | 2.40% on a dining bill · no ceiling published on this rung — 3 RP per ₹125 = 2.4% at ₹1/RP · ₹1,499/yr |
| 25 | Kotak Cashback+ | ₹2,625 | 5.00% ordered online · the rate stops at ₹3,750 of dining a month, which ₹10,000 walks past · 0.50% on the same meal billed anywhere else — 5% cashback · The same basket bought in the shop earns the 0.5% base, and Kotak says so explicitly… · ₹750/yr |
| 26 | Kotak Cashback+ Prime | ₹2,625 | 5.00% ordered online · the rate stops at ₹3,750 of dining a month, which ₹10,000 walks past · 0.50% on the same meal billed anywhere else — 5% cashback · Kotak pays this leg in rupees, so it is carried as its equivalent to 20 Reward Points… · ₹750/yr |
| 27 | Paytm HDFC Bank Digital | ₹2,400 | 2.00% at Swiggy · the rate stops at ₹12,500 of dining a month · 1.00% on the same meal billed anywhere else — 2%, on its own ₹250-a-month ceiling · ₹149/yr |
| 28 | IndianOil Kotak Credit Card | ₹2,400 | 2.00% on a dining bill · the rate stops at ₹10,000 of dining a month · 0.50% on every rupee past that ceiling — MCC 5812/5814/5813/5411/5311/5399/5422/5451/5499/5441 (2%) · 12 Reward Points per ₹150 ≈ 2% at 25p… · ₹449/yr |
| 29 | Marriott Bonvoy HDFC Bank | ₹2,083 | 1.74% on a dining bill · the rate stops at ₹5,00,000 of dining a month · 0.86% on every rupee past that ceiling — 4 pts per ₹150, on spends up to ₹5L/month · ₹3,000/yr |
| 30 | SimplySAVE SBI Card | ₹2,001 | 1.67% on a dining bill · the rate stops at ₹74,963 of dining a month · 0.17% on every rupee past that ceiling — Dining, movies, departmental stores & grocery (10X) · 10 RP per ₹150, so 6.67 RP per ₹100 · 1.67% a… · ₹499/yr |
| 31 | IndiGo Kotak Premium Credit Card | ₹1,800 | 1.50% on a dining bill · no ceiling published on this rung — 3 BluChips/₹100 = 1.5% effective, uncapped · ₹3,000/yr |
| 32 | IDFC FIRST Wealth | ₹1,500 | 1.25% birthday only · no ceiling published on this rung · 0.38% on the same meal billed anywhere else — Dining / travel / international / birthday (10X) · 10 RP per ₹200 ≈ 1.25% at ₹0.25 · since 18-Jun-2… · ₹0 — lifetime free |
| 33 | IDFC FIRST Select | ₹1,500 | 1.25% birthday only · no ceiling published on this rung · 0.38% on the same meal billed anywhere else — Dining / travel / international / birthday (10X) · 10 RP per ₹200 ≈ 1.25% at ₹0.25 · the 18-Jun-202… · ₹0 — lifetime free |
| 34 | IDFC FIRST Millennia | ₹1,500 | 1.25% birthday only · no ceiling published on this rung · 0.38% on the same meal billed anywhere else — 10X = 10 RP per ₹200 = 1.25% at ₹0.25 · ₹0 — lifetime free |
| 35 | IDFC FIRST Classic | ₹1,500 | 1.25% birthday only · no ceiling published on this rung · 0.38% on the same meal billed anywhere else — 10X = 10 RP per ₹200 = 1.25% at ₹0.25 · ₹0 — lifetime free |
| 36 | Reliance SBI Card | ₹1,500 | 1.25% on a dining bill · the rate stops at ₹1,00,000 of dining a month · 0.25% on every rupee past that ceiling — 5 Reward Points per ₹100 on MCC 5812, 5813, 5814 and 7832 · capped at 5,000 Reward Points per state… · ₹499/yr |
| 37 | RBL Paisabazaar Duet | ₹1,200 | 1.00% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹0 — lifetime free |
| 38 | SBM MobiKwik First Credit Card | ₹1,200 | 1.00% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹0 — lifetime free |
| 39 | Paisabazaar Paisa Plus Credit Card | ₹1,200 | 1.00% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹0 joining, then ₹499/yr |
| 40 | Standard Chartered Smart | ₹1,200 | 1.00% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹499/yr |
| 41 | Union JCB Wellness | ₹1,200 | 1.00% on a dining bill · no ceiling published on this rung — 4 RP per ₹100 at ₹0.25/pt · ₹999/yr |
| 42 | CASHBACK SBI Card | ₹1,200 | 1.00% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹999/yr |
| 43 | IndianOil RBL Bank XTRA Credit Card | ₹1,200 | 1.00% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹1,500/yr |
| 44 | HDFC Bank UPI RuPay | ₹900 | 0.75% on a dining bill · the rate stops at ₹16,700 of dining a month · 0.25% on every rupee past that ceiling — 3 CashPoints per ₹100 at ₹0.25 apiece · HDFC's "3%" is three POINTS, not three rupees · Capped at 5… · ₹99/yr |
| 45 | Axis Bank Cashback | ₹900 | 0.75% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹1,000/yr |
| 46 | Federal Bank Celesta | ₹600 | 0.50% on a dining bill · no ceiling published on this rung — 2 RP/₹100 = 0.5% effective · ₹0 — lifetime free |
| 47 | ICICI Bank Parakram Select | ₹600 | 0.50% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹0 — lifetime free |
| 48 | Suryoday SFB RuPay Platinum | ₹600 | 0.50% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹0 joining, then ₹150/yr |
| 49 | Suryoday SFB RuPay Select | ₹600 | 0.50% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹0 joining, then ₹150/yr |
| 50 | AU Bank NOMO Credit Card | ₹600 | 0.50% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹0/yr · ₹199 joining (one-time) |
| 51 | AU Altura Credit Card | ₹600 | 1.00% on a dining bill — the card's ordinary rate, no dining accelerator published · the card itself stops earning past ₹5,000 of spend a month · ₹199/yr |
| 52 | IRCTC RBL Bank Credit Card | ₹600 | 0.50% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹500/yr |
| 53 | Axis Bank Shoppers Stop Credit Card | ₹600 | 0.50% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹500/yr |
| 54 | IndianOil RBL Bank Credit Card | ₹600 | 0.50% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹500/yr |
| 55 | CUB CSK RuPay Platinum | ₹396 | 0.33% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹0 — lifetime free |
| 56 | CUB SRH RuPay Platinum | ₹396 | 0.33% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹0 — lifetime free |
| 57 | ICICI Bank Parakram | ₹300 | 0.25% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹0 — lifetime free |
| 58 | RBL BankBazaar SaveMax | ₹300 | 0.25% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹0 — lifetime free |
| 59 | AU LIT Credit Card | ₹300 | 0.25% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹0 — lifetime free |
| 60 | RBL Platinum Choice | ₹300 | 0.25% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹499/yr |
| 61 | RBL Platinum Advantage | ₹300 | 0.25% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹499/yr |
| 62 | RBL Patanjali Vishisht | ₹300 | 0.25% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹499/yr |
| 63 | RBL Bank DMI Finance | ₹300 | 0.25% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹499/yr |
| 64 | AU Altura Plus Credit Card | ₹300 | 0.25% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹499/yr |
| 65 | RBL Shoprite | ₹300 | 0.25% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹500/yr |
| 66 | RBL Binge | ₹300 | 0.25% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹999/yr |
| 67 | RBL Bank SalarySe UP | ₹240 | 0.20% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹499/yr |
| 68 | RBL Cookies | ₹240 | 0.20% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹1,200/yr |
| 69 | RBL Bank Blockbuster | ₹6,000 | 5.00% Weekend only · the rate stops at ₹10,000 of dining a month · 0.25% on the same meal billed anywhere else — 20 RP per ₹100 ≈ 5%, capped at 2,000 Reward Points a billing cycle · ₹3,000/yr · the desk's own verdict is downgrade |
| 70 | RBL Icon | ₹6,000 | 5.00% Weekend only · the rate stops at ₹10,000 of dining a month · 0.50% on the same meal billed anywhere else — 20 RP/₹100 ≈ 5% at ₹0.25, capped 2,000 RP/month (~₹10k spend) · ₹5,000/yr · the desk's own verdict is downgrade |
| 71 | SpiceJet Axis Bank Voyage Black | ₹3,600 | 3.00% on a dining bill · no ceiling published on this rung — 12 SC/₹200 = 3% · ₹2,000/yr · the desk's own verdict is downgrade |
| 72 | RBL Platinum Max | ₹3,300 | 5.00% Wednesdays only · the rate stops at ₹5,000 of dining a month, which ₹10,000 walks past · 0.50% on the same meal billed anywhere else — 20 RP per ₹100 on Wednesday dining · max 1,000 RP a month · ₹999/yr · the desk's own verdict is downgrade |
| 73 | RBL Platinum Prime | ₹3,300 | 5.00% Wednesdays only · the rate stops at ₹5,000 of dining a month, which ₹10,000 walks past · 0.50% on the same meal billed anywhere else — 20 RP per ₹100 on Wednesday dining · max 1,000 RP a month · ₹999/yr · the desk's own verdict is downgrade |
| 74 | SBI Card PULSE | ₹3,000 | 2.50% on a dining bill · the rate stops at ₹75,000 of dining a month · 0.50% on every rupee past that ceiling — 10 RP per ₹100 · ₹1,499/yr · the desk's own verdict is downgrade |
| 75 | Landmark Rewards SBI Card SELECT | ₹3,000 | 2.50% on a dining bill · no ceiling published on this rung — 10 Reward Points per ₹100 · still short of the 3.5% foreign-currency markup, so international spend… · ₹1,499/yr · the desk's own verdict is downgrade |
| 76 | Landmark Rewards SBI Card PRIME | ₹3,000 | 2.50% on a dining bill · no ceiling published on this rung — 10 RP per ₹100 · ₹2,999/yr · the desk's own verdict is downgrade |
| 77 | RBL Paisabazaar Duet Plus | ₹2,640 | 2.50% on a dining bill · the rate stops at ₹8,000 of dining a month, which ₹10,000 walks past · 1.00% on every rupee past that ceiling — 2.5% cashback · capped at ₹200 a month · ₹1,499/yr · the desk's own verdict is downgrade |
| 78 | Unity Bank BharatPe Credit Card | ₹2,400 | 2.00% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹0 — lifetime free · the desk's own verdict is downgrade |
| 79 | Apollo SBI Card SELECT | ₹2,160 | 1.80% on a dining bill · no ceiling published on this rung — 2 RP per ₹100 on MCCs 4511, 3020, 7011, 4112, 4722 (travel), 5812/5814 (dining), 7832/7922 (movies) · ₹1,499/yr · the desk's own verdict is downgrade |
| 80 | SpiceJet Axis Bank Voyage | ₹1,800 | 1.50% on a dining bill · no ceiling published on this rung — 6 SC/₹200 = 1.5% · ₹750/yr · the desk's own verdict is downgrade |
| 81 | Landmark Rewards SBI Card | ₹1,500 | 1.25% on a dining bill · no ceiling published on this rung — 5 Reward Points per ₹100 · which against a 3.5% foreign-currency markup is a net loss on every swip… · ₹499/yr · the desk's own verdict is downgrade |
| 82 | AU Ananta | ₹1,500 | 1.25% on a dining bill · the rate stops at ₹1,00,000 of dining a month · 0.50% on every rupee past that ceiling — 5 RP/₹100 · the headline rate, worth 1.25% at ₹0.25 · capped at 5,000 RP/statement cycle (binds at… · ₹2,000/yr · the desk's own verdict is cancel |
| 83 | Reliance SBI Card PRIME | ₹1,500 | 1.25% on a dining bill · no ceiling published on this rung — 5 RP per ₹100 · ₹2,999/yr · the desk's own verdict is downgrade |
| 84 | AU Zenith | ₹1,500 | 1.25% on a dining bill · the rate stops at ₹1,00,000 of dining a month · 0.75% on every rupee past that ceiling — 5 RP/₹100 ≈ 1.25% at ₹0.25 · the 5x dining line is standalone restaurants only, and dining is cappe… · ₹7,999/yr · the desk's own verdict is cancel |
| 85 | CUB CSK Master Platinum | ₹1,440 | 1.20% on a dining bill · no ceiling published on this rung — 2X · CUB's §2.2 accelerator list, worked in its own illustration as 'Dining Spend (2X category) → F… · ₹0 joining, then ₹1,000/yr · the desk's own verdict is downgrade |
| 86 | CUB SRH Master Platinum | ₹1,440 | 1.20% on a dining bill · no ceiling published on this rung — 2X · CUB's §2.2 accelerator list, worked in its own illustration as 'Dining Spend (2X category) → F… · ₹0 joining, then ₹1,000/yr · the desk's own verdict is downgrade |
| 87 | PhonePe HDFC Bank Uno | ₹1,200 | 1.00% at Swiggy · the rate stops at ₹50,000 of dining a month · 0.00% on the same meal billed anywhere else — Amazon, Flipkart, Myntra, Ajio, Uber, Swiggy and Zomato (1%) · capped at 500 Reward Points a calend… · ₹499/yr · the desk's own verdict is downgrade |
| 88 | Flipkart Axis Bank Credit Card | ₹1,200 | 1.00% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹500/yr · the desk's own verdict is downgrade |
| 89 | IndiGo Axis Bank Credit Card | ₹1,200 | 1.00% on a dining bill · no ceiling published on this rung — 2 BluChips/₹100 = 1% effective · ₹799/yr · the desk's own verdict is downgrade |
| 90 | IndiGo Kotak Credit Card | ₹1,200 | 1.00% on a dining bill · no ceiling published on this rung — 2 BluChips/₹100 = 1% effective · ₹1,500/yr · the desk's own verdict is downgrade |
| 91 | HDFC Bank Freedom | ₹900 | 0.75% at Swiggy · the rate stops at ₹50,000 of dining a month · 0.07% on the same meal billed anywhere else — BigBasket, BookMyShow, OYO, Swiggy & Uber (10X) · 10 CashPoints per ₹200 ≈ 0.75% at the ₹0.15 Freed… · ₹500/yr · the desk's own verdict is downgrade |
| 92 | RBL Platinum Delight | ₹600 | 0.50% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹1,000/yr · the desk's own verdict is downgrade |
| 93 | AU Zenith+ | ₹600 | 0.50% on a dining bill · no ceiling published on this rung — 2 RP/₹100 ≈ 0.5% at ₹0.25 · ₹4,999/yr · the desk's own verdict is cancel |
| 94 | Paisabazaar Step-Up SBM Credit Card | ₹300 | 0.25% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹0/yr · ₹500 joining (one-time) · the desk's own verdict is downgrade |
| 95 | RBL Platinum Plus | ₹300 | 0.25% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹999/yr · the desk's own verdict is downgrade |
| 96 | RBL Platinum ShopGain | ₹300 | 0.25% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹1,499/yr · the desk's own verdict is downgrade |
| 97 | Axis Bank NEO | ₹120 | 0.10% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹250/yr · the desk's own verdict is downgrade |
| 98 | RBL EasySaver | ₹75 | 0.06% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹499/yr · the desk's own verdict is cancel |
| 99 | RBL MyFirst | ₹75 | 0.06% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹999/yr · the desk's own verdict is cancel |
| 100 | HDFC Harley-Davidson Diners Club | ₹8,004 | 6.67% at Swiggy · no ceiling published on this rung · 1.33% on the same meal billed anywhere else — Swiggy & Zomato (5X) · 20 RP per ₹150 · the card's only standing 5X, and it is food delivery, not t… · ₹2,500/yr · closed to new applicants |
| 101 | Myntra Kotak | ₹6,000 | 5.00% at Swiggy · the rate stops at ₹20,000 of dining a month · 1.25% on the same meal billed anywhere else — 5% cashback, capped at ₹1,000 per statement cycle across all preferred-partner merchants together · ₹500/yr · closed to new applicants |
| 102 | RBL World Plus | ₹6,000 | 5.00% on a dining bill · the rate stops at ₹10,000 of dining a month · 0.50% on every rupee past that ceiling — 20 RP per ₹100 ≈ 5% · RBL's own '5% discount' framing · capped at 2,000 points a month · ₹4,999/yr · availability not published |
| 103 | PNB LUXURA Metal (Visa Infinite) | ₹3,600 | 3.00% on a dining bill · no ceiling published on this rung — 3X reward points · 12 RP/₹100 at ₹0.25/pt · ₹4,999 joining, then ₹1,999/yr · availability not published |
| 104 | PNB LUXURA Metal (RuPay) | ₹3,600 | 3.00% on a dining bill · no ceiling published on this rung — 3X reward points · 12 RP/₹100 at ₹0.25/pt · ₹9,000 joining, then ₹7,500/yr · availability not published |
| 105 | RBL World Max | ₹3,300 | 5.00% Weekend only · the rate stops at ₹5,000 of dining a month, which ₹10,000 walks past · 0.50% on the same meal billed anywhere else — 20 RP per ₹100 ≈ 5% · WEEKENDS only, capped at 1,000 points a month (₹5,000 of dining) · ₹2,999/yr · availability not published |
| 106 | KVB SBI Platinum Card | ₹3,000 | 2.50% on a dining bill · the rate stops at ₹75,000 of dining a month · 0.50% on every rupee past that ceiling — 5X = 10 RP per ₹100, until 7,500 RP have accrued in a month · ₹2,999/yr · availability not published |
| 107 | South Indian Bank SBI Platinum Card | ₹3,000 | 2.50% on a dining bill · the rate stops at ₹75,000 of dining a month · 0.50% on every rupee past that ceiling — 5X = 10 RP per ₹100, until 7,500 RP have accrued in a month · ₹2,999/yr · availability not published |
| 108 | KVB SBI Signature Card | ₹3,000 | 2.50% on a dining bill · the rate stops at ₹1,00,000 of dining a month · 0.50% on every rupee past that ceiling — 5X = 10 RP per ₹100, until 10,000 RP have accrued in a month · ₹4,999/yr · availability not published |
| 109 | Apollo SBI Card | ₹2,160 | 1.80% on a dining bill · no ceiling published on this rung — 2 Reward Points per ₹100 · ₹499/yr · availability not published |
| 110 | Utkarsh Eternal Credit Card | ₹1,500 | 1.25% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹0 joining, then ₹1,999/yr · invite-only — not on open application |
| 111 | Utkarsh Rhodium Credit Card | ₹1,500 | 1.25% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹0 joining, then ₹4,999/yr · invite-only — not on open application |
| 112 | Shaurya SBI Card | ₹1,500 | 1.25% on a dining bill · the rate stops at ₹1,00,000 of dining a month · 0.25% on every rupee past that ceiling — 5 Reward Points per ₹100 · but the accelerated categories share a 5,000-point monthly ceiling, afte… · ₹250/yr · availability not published |
| 113 | Utkarsh SmartGen Credit Card | ₹1,200 | 1.00% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹0 joining, then ₹199/yr · invite-only — not on open application |
| 114 | Kotak Royale Signature | ₹801 | 0.67% on a dining bill · no ceiling published on this rung — 4 RP per ₹150 ≈ 0.67% at ₹0.25 · ₹1,499 joining, then ₹999/yr · closed to new applicants |
| 115 | Shaurya Select SBI Card | ₹600 | 0.50% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹0 joining, then ₹1,499/yr · availability not published |
| 116 | RBL vCard | ₹300 | 0.25% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹0 joining, then ₹500/yr · closed to new applicants |
| 117 | Axis Bank Signature | ₹240 | 0.20% on a dining bill — the card's ordinary rate, no dining accelerator published · ₹1,500 joining, then ₹1,000/yr · closed to new applicants |
Not ranked — no dining number this desk will stand behind — 4 cards, each with the reason
- EazyDiner IndusInd Signature — 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 (₹5,000 with ₹30,000 of pri…
- RBL World Safari Lite — nothing per rupee at the table — this card's ongoing dining rate is zero — RBL publishes no earn rate for general spend on this card, only §3.4's two rules (1 Reward Point per ₹100 at domestic travel merc…
- DCB PayLess Select Credit Card — 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
- DCB PayLess Platinum Credit Card — 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
4 more questions about this board — how the rate is worked out, and what else readers ask
How is this ranking computed?
ONE NUMBER, THREE FACTS INSIDE IT. (1) THE ACCELERATED RATE: the dining rung the card's own earn table publishes, at its currency's house ₹/point — admitted only where the desk's own dining rule in data/mcc.yaml states the SAME number, so a rung 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 rung 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. 121 priced cards carry a dining rule on the fine-print desk and 117 of them are ranked above; 524 priced cards have no dining rule here yet and appear on no part of this page.
How many cards are in this dining ranking?
117 of the 973 Indian personal cards on the desk are ranked here. 4 are listed unranked with the computed reason — not ranked — no dining number this desk will stand behind — because a card we can't rank honestly gets named, not hidden. A further 328 are carried but not valued at all — 51 with no annual fee any issuer document states, 231 whose issuer has not published how the card earns, 46 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 /best/business, because pricing an MSME card against a personal wallet answers a question nobody asked (ADR 0012).
How up to date is this list?
The records behind this board — the card records this ranks and the dining rules on our fine-print desk — carry re-verification dates from 10 Jul 2026 to 25 Sept 2026; the board 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?
15 of the 117 ranked here are lifetime free. The best on ₹/yr at ₹10,000/mo of dining is Fibe Axis Bank Credit Card at ₹3,600. This board's call, Swiggy HDFC Bank Credit Card, costs ₹500/yr and reaches ₹12,000 — that gap is what the fee buys.
Not published
994 cards on the desk have no rule we could read for dining & food delivery. They are named here rather than guessed into the ranking above — an unread rule is not a full-earn rule.
Name all 994
HDFC Infinia MetalAxis Magnus for BurgundyICICI Emeralde Private MetalAxis OlympusAxis Burgundy PrivateHSBC Premier (Metal)IDFC FIRST PrivateAxis MagnusIDFC FIRST GajBOBCARD Etihad Guest PremiumHDFC Biz Black MetalHDFC Regalia GoldHDFC BizPowerIDFC FIRST MayuraIndusInd TigerRBL NovaHSBC TravelOneIDFC FIRST AshvaKotak Air+ PrimeKotak Air+Standard Chartered BeyondStandard Chartered UltimateIndusInd PIONEER PrivateDBS AltitudeDBS Spark 5 Credit CardDBS Spark 10 Credit CardDBS Spark 20 Credit CardIDFC FIRST Diamond ReserveKrisFlyer SBI Card APEXStandard Chartered Priority Visa InfiniteBandhan Bank Lumina Credit CardBandhan Bank Flare Credit CardBandhan Bank Ignite Credit CardBandhan Bank Sparks Credit CardAxis Bank ReserveICICI Times BlackYES PrivateYES Private PrimeAxis HorizonYES Bank MarqueeHSBC PrivéAxis Bank PRIMUSHSBC TajAxis Miles & More World SelectScapia (Federal Bank)Scapia (Axis Bank)Edge CSB Bank RuPay Credit CardEdge+ CSB Bank RuPay Credit Cardixigo AUIndusInd Avios Visa InfiniteBOBCARD Etihad GuestTata Neu Infinity HDFC BankTata Neu Infinity SBI CardIndiGo IDFC FIRST Dual Credit CardSBI Card MILES PRIMEAU CA MetalAU CSEquitas PowerMilesIDBI Bank LIC Eclat SelectEquitas Selfe Credit CardAxis Miles & More WorldAxis Bank SELECTKotak AirAmazon Pay ICICI BankIDBI Bank Euphoria WorldIDBI Bank Royale SignatureIndus SolitaireHSBC PlatinumHSBC RuPay PlatinumIDBI Bank WinningsTVS Credit RBL Bank GoldAdani One ICICI Bank SignatureAdani One ICICI Bank PlatinumIndiGo SBI Card ELITEIndiGo Axis Bank Premium Credit CardEmirates Skywards ICICI Bank EmeraldeIDFC FIRST WOW! BlackIDFC FIRST WOW!Niyo Global SBM Credit CardYES Bank RESERVYES Bank ELITE+RBL iGlobeKotak SolitaireSBI Card MILES ELITEIndiGo SBI CardYES EssenceTata Neu Plus HDFC BankTata Neu Plus SBI CardRBL World SafariRBL Platinum EdgeRBL World Safari PlusKrisFlyer SBI CardRBL Insignia Preferred Banking World CardShoppers Stop Black HDFC BankEmirates Skywards ICICI Bank SapphiroMakeMyTrip ICICI BankMakeMyTrip ICICI Bank PlatinumAxis Bank PrivilegeKotak WhiteKotak Zen SignatureKotak White ReserveRBL Bank Patanjali SwarnTVS Credit RBL BankRBL Platinum LifeEasyIndusInd LegendKotak NRI Royale SignatureStandard Chartered RewardsIndianOil Axis Bank PremiumHDFC PIXEL GoSBI Card MILESIRCTC SBI Platinum CardIndusInd Pinnacle WorldRBL Signature BankingRBL Aspire BankingICICI SapphiroUnion Bank UNICORNRBL ApexICICI Bank RubyxIndusInd CelestaICICI Bank EmeraldeUnion Bank NEXTERIAAU VettaFederal Bank ImperioIRCTC HDFC Bank Credit CardIRCTC BOBCARDHPCL ENERGIE BOBCARDUnion Bank DIVAA ICONStandard Chartered EaseMyTripUnion Bank RuPay SelectUnion SparshBOBCARD Uni GoldXslice UPI Credit CardICICI Bank CoralYES Bank SELECTYES Bank BYOC (Rewards)YES Bank Zagg Credit CardICICI Bank ExpressionsICICI Bank HPCL Super SaverUnion JCB HealthUnion Bank RuPay PlatinumKotak League PlatinumDBS VantageFederal Bank SignetIndusInd IndulgeIndusInd CrestIndusInd Pioneer LegacyIndusInd Pioneer HeritageAxis Bank My ZoneLIC Axis Bank SignatureAxis Bank REWARDSYES Bank Wellness PlusSamsung Axis Bank SignatureSimplyCLICK SBI CardAU Bank Traverse Credit Card (NRI)RBL LumièreSBI AURUMHDFC Bank PIXEL PlayLIC IDFC FIRST SelectIDFC FIRST HPCL Power+IDFC FIRST SWYPTitan SBI CardCRED IndusInd Bank RuPay Credit CardIndusInd Platinum Aura EdgeDBS SuperXDBS SuperX PlusStandard Chartered Super Value TitaniumAxis Bank Freecharge PlusAxis Bank SuperMoney RuPayPaytm HDFC Bank MobilePaytm HDFC Bank BusinessFlipkart Wholesale HDFC BankPaytm HDFC BankKotak UPI RuPayAxis Bank FreechargeAxis Bank KwikAxis Bank My WingsAxis Bank My Zone EasyAxis Bank PlatinumAxis Bank Pride PlatinumAxis Bank Pride SignatureAxis Bank Titanium Smart TravellerBPCL SBI CardHDFC Bank BizGrowICICI Bank HPCL Coral Credit CardICICI Bank Platinum Chip Credit CardGoogle Pay Flex Axis BankIndianOil HDFC Bank Credit CardIndianOil Axis Bank Credit CardIOB VISA Signature Credit CardIOB VISA Platinum Credit CardIndusInd Bank Nexxt Credit CardKotak BizEdge Credit CardKotak811 Super Money CardShoppers Stop HDFC BankLIC Axis Bank PlatinumICICI Bank Coral against FDICICI Bank Rubyx against FDICICI Bank Instant PlatinumEazyDiner IndusInd PlatinumIndusInd ePay AmexIndusInd DuoIndusInd PlatinumIndusInd Platinum RuPayKotak811 Dream DifferentICICI Bank NRI CoralICICI Bank NRI SapphiroKrishak Unnati SBI CardUtkarsh superCardRBL Platinum BonusRBL Platinum TravelEasyRBL Platinum ValuePlusRBL Platinum ShopSmartRBL Platinum ShopDailyRBL Bank PLAYRBL Bank QuickPayRBL BankBazaar SaveMax ProRBL World XclusiveRBL World SelectRBL Bank LazyPayRBL JalsaSBI Card PRIME NRI SecuredHDFC Bank UPI RuPay Mega SaverHDFC Bank GIGA BusinessHDFC Bank Micro Enterprise BusinessIndusInd Samman RuPayIndusInd Jio-bp Mobility+ICICI Diamant WorldICICI Emeralde PrivateYES PaisaSaveYES PaisaSave RuPayYES Bank ACEYES Bank WellnessYES Bank FinBoosterYES FinBooster RuPayYES Bank anQ PiYES Prosperity CashbackYES Prosperity Cashback+YES Bank UniYES Bank KlickYES Bank POP-CLUBYES Prosperity Edge (NRI)Kotak 811 Credit CardPVR INOX KotakKotak BizBOBCARD CashbackSnapdeal BOBCARDBOBCARD SelectBOBCARD EasyICAI Exclusive BOBCARDICSI Diamond BOBCARDCMA One BOBCARDVarunah Premium BOBCARDVarunah Plus BOBCARDVarunah BOBCARDIndian Army YODDHA BOBCARDAssam Rifles SENTINEL BOBCARDCoast Guard RAKSHAMAH BOBCARDBOBCARD VIKRAMPRAGATI BOBCARD (RRB)Nainital Bank RENAISSANCEPM SVANidhi BOBCARDAU Kosmo Credit CardAU Tejas Credit CardAU Laksya Credit CardAU SPONT Credit CardAU Prathama Credit CardAU InstaPay RuPay Credit CardAU Xcite Ultra Credit CardAU Xcite Ace Credit CardAU Xcite Credit CardPaytm AU Credit CardCheQ AU Credit CardAU Zaggle Credit CardDhi CUB Visa SignatureCUB Dhi FD-Backed / CampusCUB KavachUnion UNI-CARBONUnion Bank VISA SignatureUnion Bank VISA PlatinumUnion Bank VISA GoldUnion Bank PM SVANidhiIndiGo IDFC FIRST SecuredIDFC FIRST Hello CashbackLIC IDFC FIRST ClassicIDFC FIRST Quantum+IDFC FIRST EA₹NIDFC FIRST HPCL PowerIDFC FIRST Digital RuPayAirtel Axis Bank Credit CardAxis Bank Privilege EasyIndianOil Easy Axis BankJ&K Bank Eminent CardKVB Honour Credit CardFederal RuPay Wave Credit CardJ&K Bank Platinum CardKVB Platinum Credit CardBandhan Bank Flash Credit CardTMB Platinum Credit CardTMB Titanium Credit CardTMB Wings (RuPay) Credit CardTMB Phoenix (RuPay) Credit CardDhanlaxmi Bank Namaste Credit CardStandard Chartered Platinum RewardsStandard Chartered ManhattanStandard Chartered DigiSmartIDBI Bank Aspire PlatinumIDBI Bank Imperium PlatinumIDBI Bank LIC LumineESAF INORI RuPay PlatinumDCB Niyo Global Credit CardDCB novio Credit Card (RuPay Select)DCB ZET Credit CardDCB novio Credit Card (RuPay Platinum)SBM novio Credit CardSBM Magnet Credit CardSBM Kredit.Pe Credit CardAditya Birla Capital AU ProCUB CSK Master WorldCUB SRH Master WorldDhanlaxmi Bank RuPay Dhan SamriddhiDhanlaxmi Bank RuPay Dhan VriddhiIndian Bank PM SVANidhiUtkarsh Wish Credit CardHDFC Bank Corporate PlatinumHDFC Bank Corporate PremiumHDFC Bank Business Corporate RegaliaHDFC Bank Business Corporate MoneyBackHDFC Bank SAP Concur BlackHDFC Bank Purchase PremiumHDFC Bank Purchase MoneyBackHDFC Bank Purchase RewardHDFC Bank Purchase CardSBI Card Vyapaar UnnatiSimplySAVE Merchant SBI CardAxis Bank Business Supreme VisaAxis Bank Business Supreme MastercardAxis Bank Corporate Credit CardAxis Bank Executive CorporateICICI Bank Business Advantage BlackICICI Bank Business Advantage BlueICICI Bank Platinum Business CardICICI Bank Corporate PlatinumICICI Bank Business Ascent AmexICICI Bank Business Essential AmexSBI Signature Corporate CardSBI Platinum Corporate CardICICI Bank Gold Business CardICICI Bank Corporate GoldICICI Bank Business Micro Credit CardKotak Solitaire BusinessKotak Corporate PlatinumKotak Corporate Wealth SignatureIndusInd eSvarna CorporateIndusInd Contactless CorporateIndusInd Fortuna PrimaIndusInd Fortuna AdvantEdgeIndusInd ODCC Linked Credit CardIDFC FIRST CorporateIDFC FIRST Business MultiplierNainital Bank RENAISSANCE BOBCARDBOBCARD SwavlambanUJJIVAN SFB Platinum BOBCARDUJJIVAN SFB Elite BOBCARDBOBCARD EMPOWERYES Bank BYOC (Cashback)YES First BusinessYES Prosperity BusinessYES Bank AI InsideSaraswat RuPay PlatinumSaraswat Secured RuPay PlatinumYES AI Inside RuPay VirtualRBL Bank Shoppers Stop BlackRBL Bank Shoppers Stop PlatinumRBL Bank Shoppers Stop GoldRBL Corporate T&E PlatinumRBL Corporate T&E GoldRBL RazorpayX Corporate T&ERBL Corporate Purchase Procure+RBL RazorpayX Corporate PurchaseRBL Corporate Purchase Tax+Kotak Travel AgentKotak Privy League Platinum CorporateKotak Corporate GoldKotak Corporate ClassicKotak Corporate BasicFed StarBiz Credit CardAmex Green Corporate CardAmex Gold Corporate CardAmex Platinum Corporate CardIndusInd Saarthi BusinessIndusInd Vrddhi BusinessICICI Bank AlumniIDFC FIRST PurchaseIDFC FIRST Business MaxIDFC FIRST Micro EnterpriseIDFC FIRST BusinessAU Corporate Credit CardAU Purchase Credit CardAU Business Cashback Credit CardPNB KiwiSBM ZET Credit CardCUB SalarySe Level UPCUB SalarySe Level UP VirtualUnity Bank RoarbankEquitas Selfe SecuredEquitas PowerMiles SecuredTMB Vertex Credit CardTMB VIBE360 Credit CardKVB Eternis Credit CardKVB Altura Credit CardKVB Samara Credit CardKVB Aura Credit CardJ&K Bank Gold CardJ&K Bank Corporate CardKVB Corporate Credit CardJ&K Bank Platinum PrivilegeCanara Bank VISA CorporatePNB VISA ClassicPNB VISA GoldPNB VISA PlatinumPNB Corporate VISAPNB RRB Co-branded RuPay SelectPNB Braille RuPay SelectPNB General Credit Card RuPay PlatinumPNB Merchant Credit Card RuPay PlatinumUnion Bank VISA Business Platinum CorporateUnion MSMEEquitas TigaYES BANK RuPay VirtualYES BANK EMIYES BANK novioYES BANK novio RuPay VirtualYES Bank Uni RuPay VirtualHSBC Corporate Travel and EntertainmentAditya Birla Capital AU BizAditya Birla Capital AU FlexAditya Birla Capital AU NxtHSBC Corporate Purchasing CardAxis Bank Purchase CardAxis Bank Purchase Reward CardHDFC Bank Central Travel Account CardHDFC Bank TMC Credit CardHDFC Bank Dealer Credit CardHDFC Bank Fleet Credit CardAxis Bank Purchase Control Virtual CardAxis Bank Central Travel Account CardICICI Bank Purchase CardICICI Bank Dual Billing Purchase CardICICI Bank Utility Purchase CardICICI Bank CTA CardSBI Central Travel Account CardSBI Corporate Virtual CardSBI Corporate Purchase CardSBI Corporate Utility CardKotak Purchase Credit CardKotak Virtual Purchase Credit CardKotak Central Travel Account Credit CardKotak Shorter Billing Cycle Credit CardAmerican Express Business Travel AccountAmerican Express Corporate Purchasing CardHSBC Central Travel CardHSBC Virtual Card for BusinessBOBCARD Easy (FD Backed)BOBCARD Select (FD Backed)BOBCARD Premier (FD Backed)IB-VISA-BusinessYES First CorporateYES Bank Zaggle CorporateYES Prosperity Purchase Credit CardYES BANK RazorpayX Purchase Credit CardAmex Platinum TravelAmex Platinum ChargeAmex Membership Rewards CardAmex Platinum ReserveScapia (BOBCARD)Amex SmartEarnPNB Zaggle TwinCanara Bank Select / World / SignatureCanara Bank PlatinumPNB SALARY RuPay SelectPNB BLISSPNB SALARY RuPay PlatinumPNB EMT RuPay PlatinumPNB RuPay PlatinumPNB Patanjali RuPay SelectPNB RuPay MillennialPNB Visa SignaturePNB RuPay SelectAmex Gold ChargeRBL World PrimeOneCard MetalFlipkart Axis Bank Super ElitePaytm SBI Card SELECTPhonePe SBI Card SELECT BLACKPaytm SBI CardDoctor's SBI CardPhonePe SBI Card PURPLESBI Card UnnatiDelhi Metro SBI CardCentral SBI Select CardIndian Overseas Bank RuPay SelectIndian Overseas Bank RuPay PlatinumIndian Overseas Bank RuPay ClassicRBL Platinum ClassicRBL PopcornHDFC Bank Business Regalia FirstEquitas Elegance HDFC BankEquitas Excite HDFC BankPharmEasy HDFC BankHDFC Bank Regalia FirstSnapdeal HDFC BankAmazon Pay Kotak Business Credit CardKotak Delight PlatinumBOBCARD PrimeCanara Bank Classic / StandardCanara Bank GoldIB-VISA-BharatIB-VISA-GoldIB-VISA-PlatinumIB-RuPay-ClassicIB-RuPay-PlatinumIB-RuPay-SelectIndian Bank Secured (VISA / RuPay)Rupeek Indian Bank Gold BackedAxis Bank Easy GoldAxis Bank My ChoiceAxis Bank BuzzAxis Bank InfiniteIKEA Family Axis BankIOB SalarySe Rise UPIOB ZET CardPNB Patanjali RuPay PlatinumMine Credit Card by ICICI BankBOBCARD ConQRBOBCARD Micro EnterpriseBOBCARD CORPORATEYES Bank NIYOAxis Bank My Zone InstantAxis Bank Secured SilverBOI RuPay Select Credit CardBOI RuPay Bharat Platinum Credit CardBOI Visa Platinum International Credit CardBOI Master Platinum International Credit CardBOI RuPay Platinum International Credit CardBOI SwaDhan RuPay Platinum Credit CardBOI Visa Gold International Credit CardGoogle Pay Flex SBI CardPNB Rakshak RuPay PlatinumPNB Rakshak RuPay SelectPNB ParakramPNB Premium Metal LUXURAEquitas Tiga SecuredHDFC Bank Business ProgramAxis AtlasKotak InfiniteAxis Bank Vistara Infinite Credit CardYES First PreferredRBL Bank BlackMakeMyTrip ICICI Bank SignatureKotak Privy League SignatureSamsung Axis Bank InfiniteKotak Mojo PlatinumEmirates Skywards ICICI Bank RubyxChennai Super Kings ICICI BankAir India SBI Signature CardClub Vistara SBI Card PRIMEAxis Bank Vistara Signature Credit CardClub Vistara SBI CardAxis Bank Vistara Credit CardAir India SBI Platinum CardHDFC RegaliaHDFC Regalia ActivIndusInd Iconia AmexIndusInd Signature VisaIndusInd Platinum AuraPoonawalla Fincorp IndusInd eLITE RuPayEtihad Guest SBI Premier CardEtihad Guest SBI CardAxis Bank AURAManchester United ICICI SignatureManchester United ICICI PlatinumYatra SBI CardFabindia SBI CardAditya Birla SBI CardIOB Gold Credit CardIOB Classic Credit CardRBL Titanium DelightRBL Bank Fun+RBL Bank MoCashRBL Bank MoneyTapRBL Monthly TreatsRBL Cookies (pre-2021)Central SBI Select+ CardNature's Basket SBI CardNature's Basket SBI Card ELITETATA CardTATA Card SELECTTATA Croma CardTATA Croma Card SELECTTATA Star CardTATA Star Card SELECTIRCTC SBI CardAditya Birla SBI Card SELECTFabindia SBI Card SELECTFBB SBI StyleUp Card6E Rewards IndiGo HDFC Bank6E Rewards XL IndiGo HDFC BankHDFC Bank All MilesBest Price Save Max HDFC BankBest Price Save Smart HDFC BankHDFC Bank BharatHDFC Bank Business GoldHDFC Bank Business PlatinumHDFC Bank Business RegaliaCSC Small Business MoneyBack HDFC BankHDFC Bank Diners Club Black (non-metal)HDFC Bank Diners Club MilesHDFC Bank Diners Club PremiumHDFC Bank Diners Club RewardzHDFC Bank Doctor's RegaliaHDFC Bank Doctor's SuperiaHDFC Bank Easy EMIHDFC Bank H.O.G Diners ClubInterMiles HDFC Bank Diners ClubInterMiles HDFC Bank PlatinumInterMiles HDFC Bank SignatureJetPrivilege HDFC Bank TitaniumHDFC Bank MoneyBack (original)Maruti Suzuki NEXA AllMiles HDFC BankPine Labs HDFC BankPine Labs HDFC Bank ProHDFC Bank Platinum EdgeHDFC Bank Platinum PlusRetailio HDFC Bank BusinessHDFC Bank SolitaireHDFC Bank SuperiaHDFC Bank Teachers PlatinumHDFC Bank Times PlatinumHDFC Bank Titanium EdgeHDFC Bank Titanium TimesHDFC Bank Visa SignatureHDFC Bank World MasterCardICICI SignatureICICI Ascent AmexICICI Platinum IdentityICICI UnifareAccelero ICICIICICI HPCL PlatinumIndusInd Iconia VisaIndusInd Platinum SelectIndusInd Aura Edge GovernmentClub Vistara IndusInd ExplorerYES Bank anQ PhiYES Prosperity RewardsYES Bank FREOKotak Veer SelectKotak Veer PlatinumKotak Urbane GoldPVR Kotak GoldPVR Kotak PlatinumClub Vistara IDFC FIRSTEdge Federal Bank Visa Credit CardBoM Credit CardBank of Maharashtra SecuredInterMiles IndusInd Bank Odyssey Credit CardInterMiles IndusInd Bank Voyage Credit CardInterMiles ICICI Bank Coral Credit CardInterMiles ICICI Bank Sapphiro Credit CardInterMiles ICICI Bank Rubyx Credit CardHDFC Bank Business MoneyBackHDFC Bank Business Bharat CashBackHDFC Bank Business FreedomHDFC Bank Corporate Signature / WorldAxis Bank AdvantageAxis Bank Insta EasyOLA Money SBI CardCiti PremierMiles CardCiti Prestige Credit CardCiti Rewards Credit CardIndianOil Citi Credit CardCiti Cash Back Credit CardFirst Citizen Citi Credit CardIKEA Family Credit Card by CitiCitiBusiness Credit CardIndianOil CitiBusiness Credit CardKotak IndiGo 6E RewardsKotak IndiGo 6E Rewards XLRBL Bank YOUniqueKotak Essentia PlatinumKotak Feast GoldKotak Fortune GoldStandard Chartered Emirates WorldStandard Chartered Landmark Rewards PlatinumStandard Chartered Yatra PlatinumStandard Chartered Bandhan OneStandard Chartered Bandhan PlusStandard Chartered Bandhan XclusiveStandard Chartered Platinum EliteStandard Chartered Bajaj Finserv PlatinumStandard Chartered Bajaj Finserv WorldStandard Chartered Gold RewardsAmpliFi (Federal Bank)SimpliFi (Federal Bank)MagniFi (Federal Bank)Jet Airways Amex PlatinumAmex PAYBACK Credit CardAxis Bank Secured GoldAxis Bank Platinum SecuredAxis Bank Flipkart SecuredAxis Bank VISA GoldAxis Bank VISA SilverICICI Bank Ferrari PlatinumICICI Bank Ferrari SignatureHSBC Smart ValueBajaj Finserv DBS 5X SuperCardBajaj Finserv DBS 5X Plus SuperCardBajaj Finserv DBS 7X SuperCardBajaj Finserv DBS 7X Plus SuperCardBajaj Finserv DBS 10X Signature SuperCardBajaj Finserv DBS 10X Plus SuperCardBOI India CardHDFC Bank GoldHDFC Bank Woman's GoldHDFC Bank TitaniumHDFC Bank Solitaire PremiumHDFC Bank SilverHDFC Bank Value PlusICICI Bank CarbonAxis Bank MY BusinessKingfisher Airlines ICICI Bank WorldKingfisher Airlines ICICI Bank PlatinumKingfisher Airlines ICICI Bank TitaniumBritish Airways ICICI Bank PremiumBritish Airways ICICI Bank ClassicKotak Best Price BusinessRBL Bank novioHDFC Bank Doctor's PlatinumICICI Bank Jet Airways Business AdvantageICICI Bank Air Deccan GoldJet Airways Citibank TitaniumJet Airways Citibank SilverJet Airways Citibank PlatinumJet Airways CitiBusinessDiners Club International British AirwaysTaj Epicure Diners ClubDelhi Metro CitibankKotak Solaris PlatinumKotak Aqua GoldKotak Silk Inspire PlatinumMETRO KotakIndusInd PAYBACK Credit CardPMC Bank RuPay PlatinumPMC Bank RuPay SelectPMC Bank RuPay Platinum SecuredPMC Bank RuPay Select SecuredCitibank Platinum Credit CardCitibank Gold Credit CardCitibank Silver Credit CardCitibank Choice Credit CardCitibank Woman's Credit CardCitibank Woman's Visa Mini CardCRY Citibank Credit CardWWF Citibank Credit CardMTV Citibank Credit CardHutch Citibank Credit CardReliance Gold Credit CardReliance Silver Credit CardMaruti Suzuki AutoCardRoyal Sundaram Citibank Gold Credit CardIndianOil Citibank Credit CardDiners Club International Citibank Credit CardCiti Titanium Cash Rewards Credit CardFirst Citizen Citibank Platinum Credit CardInternational Times Citibank CardCitibank Ultima Credit CardCiti Corporate Credit CardCitibank Rewards Domestic Credit CardPaytm Credit Card by CitiABN AMRO FreedomABN AMRO Smart GoldABN AMRO OneABN AMRO MakeMyTrip GOABN AMRO Titanium OneABN AMRO Smart Miles TitaniumABN AMRO PlatinumABN AMRO New GoldABN AMRO BaristaABN AMRO AdlabsABN AMRO Max Healthcare WellnessYatra Barclaycard PlatinumBarclaycard GoldBarclaycard Smart BudgetBarclaycard PlatinumBarclays Premier League BarclaycardTimes Card from Barclaycard and TimesofMoneyDeutsche Bank Miles & More SignatureDeutsche Bank Miles & More PlatinumDeutsche Bank WorldMiles SignatureDeutsche Bank WorldMiles PlatinumHSBC Advance PlatinumFederal Bank SBI Platinum CardHDFC Bank SAP Concur PrimeHDFC Bank Health Plus InternationalHDFC Bank eSeva International SilverHDFC Bank Idea International SilverHDFC Bank Idea International GoldICICI Bank Singapore Airlines Visa PlatinumAxis Bank Titanium Smart TravelerAxis Bank Trust ChemistsAxis Bank ShriramICICI Bank Classic Business CardSBI Card ELITE BusinessSBI Card PRIME BusinessDeutsche Bank SignatureDeutsche Bank PlatinumDeutsche Bank Platinum SelectDeutsche Bank Matrix PlatinumDeutsche Bank Landmark PlatinumDeutsche Bank SmartGoldDeutsche Bank Landmark GoldDeutsche Bank ClassicDeutsche Bank db businessHSBC MakeMyTrip SignatureHSBC MakeMyTrip PlatinumHSBC WestsideHSBC Spencer's Retail ClassicAir India American Express GoldAir India American Express Credit CardAir India American Express GreenAmex Kingfisher FirstChennai Metro SBI CardMumbai Metro SBI CardSBI Platinum CardSBI Signature CardSpiceJet SBI CardSBI Railway CardSBI Gold & More CardSBI Silver & More CardSBI Maruti CardSBI Vishal Mega Mart CardSBI Advantage Plus CardFederal Bank SBI Gold 'N MoreStandard Chartered Preferred World MastercardSBI Card ELITE AdvantageSBI Card PRIME AdvantageSimplyCLICK Advantage SBI CardSimplySAVE Advantage SBI CardHSBC GoldHSBC ClassicCenturion Bank of Punjab Miracle CardBank of Rajasthan Gold Credit CardBank of Rajasthan Silver Credit CardBank of Rajasthan Individual-Liability Corporate CardBank of Rajasthan Corporate-Liability Corporate CardHDFC Bank Distributor CardAmex MakeMyTrip Credit CardAmex Gold Credit CardAmex HPCL RPM Credit CardStandard Chartered Simply CashING Vysya Bank Galaxia Credit CardING Vysya Bank Solaris Credit CardUnited Western Bank IndiaCardAndhra Bank Signature Credit CardAndhra Bank VISA Platinum Credit CardAndhra Bank VISA Gold Credit CardAndhra Bank VISA Classic Credit CardAndhra Bank MasterCard Credit CardAndhra Bank MasterCard Electronic Credit CardAndhra Bank VISA Corporate Credit CardVijaya Bank RuPay Credit CardVijaya Bank VISA Global Chip CardVijaya Bank VISA Classic Chip CardVijaya Bank VISA Nurses CardVijaya Bank VISA Doctors CardVijaya Bank Platinum Jubilee Credit CardCorporation Bank Visa Signature Credit CardCorporation Bank Visa Platinum Credit CardICICI Bank HPCL GoldICICI Bank HPCL SilverICICI Bank Big Bazaar GoldICICI Bank Big Bazaar SilverICICI Bank Big Bazaar ShaktiICICI Bank Central GoldICICI Bank Future GoldICICI Bank Future SilverICICI Bank Airtel GoldICICI Bank Airtel SilverICICI Bank IndiatimesToyota ICICI Bank Co-BrandedICICI Bank Gitanjali JewelleryICICI Bank MegamartICICI Bank Sarovar HotelsICICI Bank Orchid on EcotelICICI Bank AmwayICICI Bank XBOX360ICICI Bank CESC Co-BrandedICICI Bank HelpAge India AffinityICICI Bank PRU LifeICICI Bank Federal Bank GoldICICI Bank Federal Bank SilverICICI Bank Punjab & Sind GoldICICI Bank Punjab & Sind SilverICICI Bank Punjab & Sind BlueSyndicateBank Global Credit Card ClassicSyndicateBank Global Credit Card GoldDena Bank DENACARD VisaCorporation Bank Visa Gold Credit CardVijaya Bank Classic Credit CardVijaya Bank VISA Gold Credit CardVijaya Bank MasterCard Global Credit CardAllahabad Bank India CardSBI Gold CardSBI Dena Bank Secured CardIndusInd Bank Chelsea FC Credit CardIndusInd Bank Gold Credit CardRBL Bank Cricket Credit CardBOBCARD Bombay BullionRBL IGU NHS Golf World CardRBL India Startup Club WorldRBL India Startup Club PlatinumRBL CrownitRBL HyperCITY Reward PlusRBL HyperCITY RewardRBL Classic RewardRBL Classic ShopperRBL Platinum CricketRBL Edition BlackRBL Freedom SuperCardRBL Edition ClassicSBI Advantage Gold CardSBI Student Plus Advantage CardSBI Mumbai CardSBI Apna Bazaar CardLG SBI CardSBI Social CardSBI Lifestyle Credit CardSBI UBI Gold CardSBI UBI CardSBI Advantage Platinum CardSBI Advantage Signature CardBajaj Finserv RBL Bank CA SuperCardBajaj Finserv RBL Bank Doctor's SuperCardETMONEY RBL Bank LoanPass Credit CardRBL Bank Crossword Black Credit CardRBL Bank Crossword Rewards Credit CardRBL Club ConciergeSBI Gold Card (pre-2009)SBI Advantage Card (pre-2009)SBI Employee CardHero Honda SBI CardGoAir SBI CardRBL Bank Practo Plus Credit CardEasyday Kotak Titanium CardEasyday Kotak Silver CardLIC Axis Bank TitaniumLIC Axis Bank GoldICICI Unifare Bangalore MetroICICI Unifare Mumbai MetroIndusInd Bank Classic Credit CardIndusInd Bank Business Gold Credit CardIndusInd Bank WorldMiles Signature Credit CardIndusInd Bank WorldMiles Platinum Credit CardSBI Platinum Card (2007)SBI Gold Master CardSBI Advantage CardSBI Card for DoctorsSBI Doctors CardICICI Bank Preferred GoldICICI Bank Preferred SilverICICI Bank TitaniumICICI Bank American Express GreenCentral Bank of India MasterCard WorldCentral Bank of India RuPay SelectCentral Bank of India MasterCard TitaniumCentral Bank of India RuPay PlatinumCentral Bank of India Visa PlatinumCentral Bank of India Visa GoldCentral Bank of India Visa AspireIndusInd Bank Miles & More SignatureIndusInd Bank Miles & More PlatinumIndusInd Bank Matrix PlatinumIndusInd Bank Landmark PlatinumIndusInd Bank Landmark GoldSBI Platinum Card (2010)BOBCARD TitaniumBOBCARD Elite PlatinumBOBCARD Select PlatinumBOBCARD SignatureBOBCARD AssureBOB Financial Paytm Credit CardBOBCARD Corporate PremiumTMB India CardUnion Bank USecureBettr SBM Card
Where this comes from
Treatments are read from issuer T&C, reward annexures and FAQs (HSBC and SBI publish full MCC tables; HDFC and Amex publish only category names), corroborated by community reporting where the banks stay vague — those rows say so. Where sources conflict we keep the conservative treatment. "Rate here" is the card's first-tier earn × this category's treatment × our house ₹/point from the valuation index — the same number the wallet winner puts on a swipe. A capped card shows its rate before the cap bites; the rule text names the cap. Issuers churn these rules quarterly — a note's date is the rule's date, not ours.