Food delivery and eating out are a big monthly spend for many people, and a few cards pay up to 10% back on them. The catch is almost always a monthly cap. This list ranks cards on what they pay back on dining, with the cap and fee beside each. Data as of October 2026.
The best dining credit cards, ranked
| # | Card | Back | Where it applies | Monthly cap | Annual fee |
|---|---|---|---|---|---|
| 1 |  HSBC Live Plus Credit Card | 10% | Swiggy, Zomato, restaurant dining | ₹1,200 a month | ₹1,179 a year |
| 2 |  HSBC RuPay Cashback Credit Card | 10% | Swiggy, Zomato, restaurant dining | ₹400 a month | ₹589 a year |
| 3 |  Axis Bank Burgundy Private Credit Card | 6% | All spends in this category | No stated cap | ₹1,18,000 a year |
| 4 |  Kotak Cashback+ Prime Credit Card | 5% | All spends in this category | ₹750 a month | ₹885 a year |
| 5 |  Axis Bank Primus Credit Card | 5% | All spends in this category | No stated cap | ₹3,54,000 a year |
| 6 |  HDFC Diners Club Black Metal Edition | 4.33% | All spends in this category | No stated cap | ₹11,800 a year |
| 7 |  Axis Bank Atlas Credit Card | 4% | All spends in this category | No stated cap | ₹5,900 a year |
| 8 |  Axis Bank Olympus Credit Card | 4% | All spends in this category | No stated cap | ₹23,600 a year |
How we ranked them: what each card pays back on ₹5,000 a month in that spend, from the bank’s published rate and monthly cap, with lower annual fees first when two cards pay the same. A rate the bank limits to named shops is shown with the shop names. What a bank pays SkyloFin is never part of the order. Rates and caps change, so check the card’s page and the bank’s terms before you apply.
What to check before you pick one
- The monthly cap. A 10% card capped at ₹400 a month stops paying extra above ₹4,000 of food spend. If you spend more, a card with a higher cap pays more in rupees.
- Which apps count. Some cards pay the high rate only on Swiggy or only on Zomato; the “Where it applies” column names them.
- Restaurant bills versus delivery. Dining in a restaurant and ordering in are not always the same category for the bank. The card’s page lists what each rate covers.
See every card, ranked
The full ranking: best credit cards for dining. For Swiggy or Zomato alone: Swiggy, Zomato.
Questions people ask
Which credit card gives the most cashback on Swiggy and Zomato?
On our data, HSBC Live Plus Credit Card pays 10% on dining, up to ₹1,200 a month. The table shows the next best and their caps.
Is a 10% dining card always the best?
Only up to its cap. Past the cap, the rest of your food spend earns the card’s base rate, often 1% or less.
Updated 18 Oct 2026.
