Food is one of the biggest monthly expenses for many households. These cards return up to 10% on restaurants, food delivery and groceries. We ranked them for someone who spends about ₹16,000 a month on food.
How we rank: estimated yearly value for a "foodie" spending ₹36,000 a month, after reward caps, annual fee (with GST) and forex costs. Rank cards with your own spends →
| Fee waiver | Lounge | Best for | Compare | ||||
|---|---|---|---|---|---|---|---|
Swiggy BLCK HDFC Bank HDFC Bank · Mastercard |
₹1,000 | ₹2,00,000 spend | Up to 10% | 3.5% | None | Heavy Swiggy, Instamart and Dineout users | |
HSBC Live+ HSBC · Visa Infinite |
₹999 | ₹2,00,000 spend | Up to 10% | 1.99% | 2 domestic + 1 international visit a year | Families spending on dining, groceries, shopping and bills | |
HDFC Bank Millennia HDFC Bank · Visa / Mastercard |
₹1,000 | ₹1,00,000 spend | Up to 5% | 3.5% | Domestic lounge access on quarterly spend milestones | Shoppers on Amazon, Flipkart, Swiggy and Zomato | |
SBI Card Cashback SBI Card · Visa |
₹999 | ₹2,00,000 spend | Up to 5% | 3.5% | None | Online shoppers spending up to ₹40,000 a month online | |
Swiggy ORNGE HDFC Bank HDFC Bank · Mastercard |
₹500 | ₹1,50,000 spend | Up to 5% | 3.5% | None | Moderate Swiggy and online spenders who want a low fee | |
Axis Bank ACE Axis Bank · Visa |
₹499 | ₹2,00,000 spend | Up to 5% | 3.5% | 4 domestic visits a year (spend-linked) | Paying bills and earning flat cashback everywhere | |
Flipkart Axis Bank Axis Bank · Visa / Mastercard |
₹500 | ₹3,50,000 spend | Up to 5% | 3.5% | None | Regular Flipkart and Myntra shoppers | |
Airtel Axis Bank Axis Bank · Mastercard |
₹500 | ₹2,00,000 spend | Up to 10% | 3.5% | None (removed in April 2026) | Airtel customers who also spend regularly on the card | |
BPCL SBI Card OCTANE SBI Card · Visa |
₹1,499 | ₹2,00,000 spend | Up to 7.25% | 3.5% | 4 domestic visits a year | Daily commuters who fuel at BPCL | |
SBI Card PRIME SBI Card · Visa / Mastercard |
₹2,999 | ₹3,00,000 spend | Up to 2.5% | 3.5% | Domestic lounge access (SBI reduced visits in 2026) | Mid-range spenders on dining, groceries and movies | |
HDFC Bank Diners Club Black Metal HDFC Bank · Diners Club |
₹10,000 | ₹8,00,000 spend | Up to 3.33% | 2% | Unlimited domestic and international lounge access | High spenders who can use Diners Club acceptance | |
SBI Card ELITE SBI Card · Visa / Mastercard |
₹4,999 | ₹10,00,000 spend | Up to 2.5% | 1.99% | Priority Pass with 6 international visits a year | High spenders on dining and groceries who travel abroad | |
HDFC Bank Infinia Metal HDFC Bank · Visa |
₹12,500 | ₹10,00,000 spend | Up to 3.33% | 2% | Unlimited domestic and international lounge access | Very high spenders who want India’s top reward rate |
The Swiggy BLCK HDFC Bank card, which replaced the original Swiggy HDFC card in 2026, pays 10% cashback on Swiggy Food, Instamart and Dineout, capped at ₹1,500 a month. The cheaper Swiggy ORNGE variant pays 5%.
HSBC Live+ pays 10% cashback on dining, food delivery, groceries, shopping and utilities combined, up to ₹1,200 a month.