Curated shortlist

Best Credit Cards for Dining and Food Delivery in India

Dining is where accelerated rates are most generous and most capped, because issuers know it is frequent, discretionary and easy to shift between cards. Two benefits get bundled together here: raw reward multipliers on restaurant and delivery spending, and dining programmes that discount the bill directly at partner restaurants. The programmes are often worth more than the points, and are far less commonly used.

Ranked by how widely held each card is — not by commission, because CardCopilot takes none. 13 of them carry no annual fee.