Which credit card pays the most on dining in India?
Of the cards whose terms were read off the issuer, HSBC Live+ (HSBC) publishes the highest rate on dining in India: 10.00% (INR 999 a year, waived above INR 200,000 of spending a year). This is a ranking of published rates, not a recommendation to apply.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
13 read cards · India · dining
The answer, from 13 read cards
Highest published rate on the whole category first. What limits each rate is printed beside it, because it is usually what decides whether the rate is real.
| # | Return | Card |
|---|---|---|
| 1 | 10.00% | HSBC Live+checkedHSBC · INR 999 a year, waived above INR 200,000 of spending a year · checked 18 Sep 2026 |
| 2 | 10.00% | HSBC RuPay CashbackcheckedHSBC · INR 499 a year, waived above INR 200,000 of spending a year · checked 18 Sep 2026 |
| 3 | 4.00% | Axis ACEcheckedAxis Bank · INR 499 a year · checked 12 Sep 2026at most INR 500 back a month |
| 4 | 2.50% | BPCL SBI Card OCTANEcheckedSBI Card · INR 1,499 a year, waived above INR 200,000 of spending a year · checked 20 Sep 2026at most INR 1,875 back a month |
| 5 | 2.50% | SBI Card ELITEcheckedSBI Card · INR 4,999 a year, waived above INR 1,000,000 of spending a year · checked 20 Sep 2026 |
| 6 | 2.50% | SBI Card PRIMEcheckedSBI Card · INR 2,999 a year, waived above INR 300,000 of spending a year · checked 19 Sep 2026 |
| 7 | 2.00% | RBL Platinum Maxima PluscheckedRBL Bank · INR 2,500 a year · checked 20 Sep 2026at most INR 200 back a month |
| 8 | 1.67% | SimplySAVE SBI CardcheckedSBI Card · INR 499 a year, waived above INR 100,000 of spending a year · checked 19 Sep 2026 |
| 9 | 1.25% | IDFC FIRST ClassiccheckedIDFC FIRST Bank · no annual fee · checked 20 Sep 2026 |
| 10 | 1.25% | IDFC FIRST MillenniacheckedIDFC FIRST Bank · no annual fee · checked 20 Sep 2026 |
| 11 | 1.25% | IDFC FIRST SelectcheckedIDFC FIRST Bank · no annual fee · checked 20 Sep 2026 |
| 12 | 1.25% | IDFC FIRST WealthcheckedIDFC FIRST Bank · no annual fee · checked 20 Sep 2026 |
| 13 | 0.50% | Kotak Cashback+checkedKotak Mahindra Bank · INR 750 a year, waived above INR 200,000 of spending a year · checked 20 Sep 2026 |
The right card depends on what you have already spent.
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says whether it was read off the issuer, and none is made up.
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