Restaurants & delivery / 8 matches

Dining

Cards with accelerated restaurant, food-delivery or dining-programme value.

Aggregator, hotel and restaurant MCCs can post differently, so category caps and coding matter.

01 / Visa Infinite

HSBC Live+

HSBC Bank

Why it qualifies

10% cashback on eligible dining and food spends

Shared Rs 1,200 billing-cycle accelerated cap.

Card highlights

Cashback: 10% eligible everyday categories; Myntra offer ends 31 Oct 2026
Cap: ₹1,200 shared accelerated cashback per billing cycle
Forex: 1.99% currency conversion fee, plus applicable taxes

View card details Apply for HSBC Live+

02 / Mastercard World

HDFC Swiggy BLCK

HDFC Bank

Why it qualifies

10% cashback on eligible Swiggy Food and Dineout

Rs 1,500 billing-cycle cap for the Swiggy bucket.

Card highlights

Swiggy: 10% cashback, capped at Rs 1,500 per billing cycle
Online: 5% cashback, capped at Rs 1,500 per billing cycle
Other spends: 1% cashback, capped at Rs 1,000 per billing cycle

View card details Apply for HDFC Swiggy BLCK

03 / Mastercard World

HDFC Swiggy Ornge

HDFC Bank

Why it qualifies

5% cashback on eligible Swiggy Food and Dineout

Swiggy and eligible online 5% share one ₹1,500 billing-cycle cap; minimum ₹249 for 5%, ₹100 for 1%.

Card highlights

Swiggy: 5%; shares ₹1,500/cycle cap with eligible online spends
Online: 5%; shared Swiggy/online cap ₹1,500/cycle
Other spends: 1% cashback, capped at Rs 1,000 per billing cycle

View card details Apply for HDFC Swiggy Ornge

04 / Diners Club

HDFC DCB Metal

HDFC Bank

HDFC Diners Club Black Metal Credit Card

Why it qualifies

10 RP per Rs 150 on eligible weekend dining

Merchant eligibility and monthly reward caps apply.

Card highlights

Base: 5 RP per Rs 150, about 3.3% travel value
SmartBuy: SmartBuy accelerators; bonus cap 10K/month and 10K/day
Milestone: 10,000 RP at Rs 4L calendar-quarter spends

View card details Apply for HDFC DCB Metal

05 / Visa Signature

BOB Eterna

Bank of Baroda

Why it qualifies

15 RP per Rs 100 on eligible dining

Fast-food MCC 5814 is excluded. Eligible accelerated categories share a 5,000-point statement-cycle cap.

Card highlights

Value: 3.75% statement-credit value on eligible accelerated spends, subject to caps
Offer: Zero joining and first-year fee from 1 September 2026
Forex: 15 RP per Rs 100 on eligible international spends; forex markup and GST reduce net value

View card details Apply for BOB Eterna

06 / Visa Signature

BPCL SBI Octane

SBI Card

Why it qualifies

10 RP per Rs 100 on eligible dining

Accelerated lifestyle rewards have a monthly cap.

Card highlights

Fuel: Up to 7.25% within BPCL caps; RuPay UPI fuel excluded
Sweet spot: Best at ₹5k-₹10k fuel/month
Yearly value: Around ₹8,700/year fuel upside

View card details Apply for BPCL SBI Octane

07 / American Express

Amex Platinum Reserve

American Express

Why it qualifies

Dining memberships and eligible Amex partner benefits

Reward Multiplier eligibility and Amex acceptance apply.

Card highlights

Welcome: 11,000 MR after fee + Rs 30k spend in 90 days; extra referral incentives are offer-dependent and must be confirmed live
Rewards: 2 MR points / Rs 100 6 MR points / Rs 100 on ShopWise
Transfers: Airline/hotel transfers; confirm current India catalogue ratios

View card details Check availability for Amex Platinum Reserve

08 / Visa Signature

HDFC Regalia Gold

HDFC Bank

Why it qualifies

Up to 10% discount at eligible Swiggy Dineout restaurants

Pay with Regalia Gold through the eligible Dineout route; offer caps apply.

Card highlights

Travel Rewards: SmartBuy travel/voucher accelerators; check current card-specific multiplier and caps
Brand Rewards: 5X on selected brands including Myntra, Nykaa, Reliance Digital & M&S, subject to caps
Accor transfer: 2 HDFC Reward Points = 1 ALL Reward point, subject to partner terms

View card details Apply for HDFC Regalia Gold

These matches use published earn rules and exclude known zero-earn categories. Merchant category codes, caps, payment routes and issuer changes still control the final reward. Each card detail page includes its current exclusion list and official source.

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