Dining Credit Cards
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279 Cards AvailableAbout Dining Credit Cards
Best Dining Credit Cards in India for 2026
India's restaurant industry has exploded with the rise of Zomato, Swiggy, and a booming cafe and fine-dining culture in Tier 1 and Tier 2 cities. If food-related spending - whether at restaurants, cafes, or through delivery apps - is a significant part of your monthly budget, a dining credit card can return 5-20% of that spend in real value.
What Do Dining Credit Cards Offer?
Dining credit cards typically provide one or more of these benefits:
- Accelerated reward points (5X to 15X) on restaurant transactions
- Complimentary dining vouchers from partners like EazyDiner, Dineout, and Zomato Gold
- Flat cashback (10-20%) on dining spends, sometimes capped monthly
- Buy 1 Get 1 offers at partner restaurants
- Discount on minimum order for food delivery apps
Key Cards for Dining in India
Several card programmes have built dining partnerships into their core value proposition:
SBI Card ELITE - Complimentary Trident Privilege and Club Vistara memberships alongside dining-focused reward rates.
HDFC Swiggy Credit Card - Co-branded with Swiggy, earns 10% cashback on Swiggy app orders (restaurant, Instamart, Dineout). The best card for heavy delivery app users.
Amex Membership Rewards - 5X points at standalone restaurants; points transfer to airlines at a 1
ratio.Axis Bank Vistara - Accelerated miles on dining alongside travel.
ICICI Bank Coral - Complimentary 1+1 dining offers through EazyDiner membership.
Online Food Delivery vs. Restaurant Dining
Dining credit cards typically split into two optimisation modes:
- Restaurant dining - Physical POS transactions at restaurants and cafes. Cards like Amex, HDFC Regalia, and ICICI Sapphiro excel here.
- Online delivery apps - Co-branded cards (Swiggy HDFC, Zomato RBL) deliver far higher returns on app-based orders than generic cards.
If you split spending evenly, a high base-rate cashback card (Axis ACE, HDFC MoneyBack+) may outperform niche dining cards.
Entertainment and Dining Bundles
Several cards bundle dining with entertainment - free movie tickets, OTT subscriptions, or live event access - creating strong lifestyle value for urban cardholders. HDFC Millennia, SBI Card Prime, and ICICI Coral are notable examples.
Compare Top Dining Cards
Top Dining Credit Cards
BOBCARD ETERNA Credit Card
Joining Fee:
₹2,499 + GST
Renewal Fee:
₹2,499 + GST
Reward Type:
Reward Points
Flipkart Axis Bank Credit Card
Joining Fee:
₹500 + GST
Renewal Fee:
₹500 + GST
Reward Type:
Cashback
HDFC Bank INFINIA Metal Credit Card
Joining Fee:
₹12,500 + GST
Renewal Fee:
₹12,500 + GST
Reward Type:
Reward Points
Myntra Kotak Credit Card
Joining Fee:
₹500 + GST
Renewal Fee:
₹500 + GST
Reward Type:
Cashback
SBI SimplyCLICK Credit Card
Joining Fee:
₹499 + GST
Renewal Fee:
₹499 + GST
Reward Type:
Reward Points
Axis Bank Magnus Credit Card
Joining Fee:
₹12,500 + GST
Renewal Fee:
₹12,500 + GST
Reward Type:
Reward Points
How to Choose
Separate restaurant and delivery app spending
Identify whether most of your dining spend is at physical restaurants or through apps like Swiggy and Zomato. Co-branded app cards (HDFC Swiggy) dominate for delivery; general dining reward cards are better for restaurant POS transactions.
Check if dining partners match your preferences
Cards offering EazyDiner, Dineout, or specific restaurant partnerships deliver real value only if you dine at those partners. Verify that partner restaurants include places you already frequent before factoring in partnership value.
Evaluate cashback caps against your monthly dining spend
Dining cashback is almost always capped. HDFC Swiggy caps the 10% cashback at ₹1,500/month (₹15,000 eligible spend). If you spend more, the marginal rate drops to base. Plan which card covers which spend range.
Consider the full lifestyle bundle
The best dining cards also offer complementary benefits - movie tickets, OTT, lounge access - that compound the value proposition. If you would use these anyway, the effective cost of the annual fee drops substantially.
Factor in EMI conversion for large restaurant bookings
For large group dining or event-based restaurant bills, cards offering zero-interest EMI conversion on large transactions let you spread the cost without paying interest, adding effective value beyond rewards.
All Dining Credit Cards
BOBCARD ETERNA Credit Card
Joining Fee:
₹2,499 + GST
Renewal Fee:
₹2,499 + GST
Reward Type:
Reward Points
Flipkart Axis Bank Credit Card
Joining Fee:
₹500 + GST
Renewal Fee:
₹500 + GST
Reward Type:
Cashback
HDFC Bank INFINIA Metal Credit Card
Joining Fee:
₹12,500 + GST
Renewal Fee:
₹12,500 + GST
Reward Type:
Reward Points
Myntra Kotak Credit Card
Joining Fee:
₹500 + GST
Renewal Fee:
₹500 + GST
Reward Type:
Cashback
SBI SimplyCLICK Credit Card
Joining Fee:
₹499 + GST
Renewal Fee:
₹499 + GST
Reward Type:
Reward Points
Axis Bank Magnus Credit Card
Joining Fee:
₹12,500 + GST
Renewal Fee:
₹12,500 + GST
Reward Type:
Reward Points
BOBCARD Tiara Credit Card
Joining Fee:
₹2,499 + GST
Renewal Fee:
₹2,499 + GST
Reward Type:
Reward Points
ICICI Bank Coral Credit Card
Joining Fee:
₹500 + GST
Renewal Fee:
₹500 + GST
Reward Type:
Reward Points
Yes Bank Marquee Credit Card
Joining Fee:
₹9,999 + GST
Renewal Fee:
₹4,999 + GST
Reward Type:
Reward Points