Credit card savings
See which credit cards could return the most on restaurants and delivery over a year.
Estimated value, based on your input and published reward rates as of the date shown on each card, not a guaranteed figure. Assumes only dining spend, a salaried income of ₹75,000 a month and no fee limit. Merchant-specific offers and first-year benefits aren't counted, so estimates lean conservative. Ranked by estimated value only, never by commission; some links are affiliate links (disclosure).
#1
Federal Bank
≈ ₹1,200a year, after fees (estimate)
Reward rates verified 7 Aug 2026.
#2
Kotak Mahindra Bank
≈ ₹1,200a year, after fees (estimate)
Reward rates verified 7 Aug 2026.
#3
Bank of Baroda
≈ ₹750a year, after fees (estimate)
Reward rates verified 7 Aug 2026.
Want a result based on all your spending?
CardMatch starts with your ₹5,000 dining spend and asks a few more questions.
Refine in CardMatch →Verified against the bank's own terms, with validity dates. All offers
Cashback · Swiggy
Swiggy Money Wallet, Swiggy Liquor, Swiggy Minis transactions earn no cashback; other exclusions may apply. Page shows a typo '₹,1500'.
End date not stated by the bank · Verified 19 Sep 2026 · Source (opens in a new tab)
We take your monthly dining spend, apply each card's published reward rate for that category (respecting any monthly or annual caps), add rewards on the rest of your spending at the base rate, and subtract the annual fee unless your spend qualifies for a waiver. It is an estimate based on your inputs and the reward rates as of the date shown on each card, not a guaranteed figure.
We rank only cards whose reward rules we have verified against the issuer's own terms, by estimated net yearly value after fees. Cards without verified rules are never given a value number. Ranking never depends on commission.
Merchant-specific and tiered offers, first-year welcome benefits and joining fees are not counted in the yearly figure, so estimates lean conservative. Eligibility also depends on your income, credit profile and the issuer's decision. For a result based on all your spending, use CardMatch.
Some apply links are affiliate links and OnePaisa may earn a commission if you apply. It does not change the ranking or the estimates. See our disclosure page for details.