Best Dining Credit Cards in India 2026

Below is the comparison between the top 10 credit card for restaurants and dining expenses:

1. HDFC Bank Diners Club Privilege Credit Card

Best For: Dining and rewards

Key Features & Benefits:

• As a welcome benefit, this diners reward card offers complimentary annual memberships of Swiggy One & Times Prime on spending Rs. 75,000 within the first 90 days of card issuance.
• Get vouchers worth Rs. 1,500 of Marriott Experience/Decathlon/ Barbeque Nation/ O2 Spa/ Lakme Salon on spending Rs. 1.5 Lakhs in a calendar quarter.
• Buy One Get One (maximum Rs. 250 per ticket) on booking movie/non-movie weekend tickets (up to 2 free tickets a month) on BookMyShow (valid for shows on Friday, Saturday & Sunday).
• 8 complimentary airport lounge access per year (2 per quarter) worldwide for Primary and Add-on cardholders.
• 5x (20) reward points on spending every Rs. 150 on Swiggy & Zomato.
• 10x reward points on spending on Smartbuy.
• An additional 4x reward points (maximum 2500 reward points) every calendar month.
• 4 reward points on every retail spend of Rs. 150.
• Extra 10% discount on Dineout bill at participating restaurants makes it the best credit card for restaurants. 
• Air Accident Insurance Cover worth $125,000.
• Emergency Overseas Hospitalisation Cover of $31,250.
• Travel Insurance Cover up to $625 on baggage delay.
• Credit Liability Cover up to Rs. 9 Lakhs.

Charges:

• Joining fee: Rs. 1,000 + applicable taxes.
• Annual fee: Rs. 1,000 + applicable taxes; Waived on spending Rs. 3 Lakhs or more a year, before card renewal date.

2. Swiggy HDFC Bank Credit Card

Best For: Dining and cashback

Key Features & Benefits:

• Complimentary Swiggy One Membership of 3 months, on activation of this cash back credit card within the first 30 days of card issuance.
• 10% cashback on spends across the Swiggy app on food orders, Instamart, Dineout, and Genie.
• 5% cashback on select online spends on multiple apps and websites.
• 1% cashback on spending on other categories (except EMI, rent, fuel, wallet, jewellery & government-related transactions).
• Access golf courses worldwide and get 12 free lessons every year.
• 4 complimentary rounds of green fees every calendar year.
• Discounted golf services at 50% of the green fee over and above complimentary sessions.
• Covert big transactions into EMIs.

Charges:

• Joining fee: Rs. 500 + applicable charges.
• Annual fee: Rs. 500 + applicable charges; Waived on spending Rs. 2 Lakhs or above before the card renewal date.

3. SBI Prime Credit Card

Best For: Dining and online shopping

Key Features & Benefits:

• Welcome e-gift Voucher worth Rs. 3,000 from Shoppers Stop/ Bata/ Hush Puppies/ Pantaloons/ Aditya Birla Fashion/ Yatra.com.
• E-Gift Voucher worth Rs. 7,000 from Yatra.com/ Pantaloons on annual spends of Rs. 5 Lakhs.
• 10 reward points per Rs. 100 spent on groceries, dining, departmental stores & movies.
• 2 reward points per Rs. 100 spent on all other retail categories except fuel.
• 20 reward points per Rs. 100 spent on your birthday (capped at 2000 reward points per calendar year).
• 1% fuel surcharge waiver (maximum Rs. 250 per month, per statement cycle) on transactions from Rs. 500 to Rs. 4,000 across all petrol pumps.
• It is the best credit card for eating out at Pizza Hut as it offers a Pizza Hut e-Voucher worth Rs. 1,000 on spending Rs. 50,000 in a calendar quarter. 
• Prime Pro cardholders will get a Pizza Hut e-Voucher worth Rs. 500 on spending Rs. 50,000 in a calendar quarter.
• 4 complimentary visits to International Priority Pass Lounges (outside India) per calendar year. 
• Prime Pro Cardholders will get a complimentary Priority Pass Membership worth $99 (visits chargeable as per actual usage).
• 8 complimentary visits to domestic lounges in India per calendar year.
• A complimentary 1-year Club ITC Silver Tier Membership for eligible cards sourced from 1st September 2025.

Charges:

• Joining fee: Rs. 2,999 + taxes.
• Annual fee: Rs. 2,999 + taxes; Waived on annual spends of Rs. 3 Lakhs.

 4. EazyDiner IndusInd Bank Credit Card

Best For: Dining through EazyDiner

Key Features & Benefits:

• 10 reward points on every Rs. 100 spent on hotel & travel booking, shopping, and entertainment.
• 4 reward points on every Rs. 100 spent on all other spends (except fuel & dining).
• 3X EazyPoints using your EazyDiner IndusInd Bank Credit Card.
• Reward points can be redeemed instantly against restaurant bills for an extra discount and EazyPoints for free hotel stays, meals & exclusive restaurant events in India.
• With 12 months EazyDiner Prime membership worth Rs. 3,550 offered by this best credit card food, get guaranteed 25% (up to 50% off) at 2000+ premium restaurants & bars.
• On payment of the renewal fee, the 12-month EazyDiner Prime membership will be renewed, and you will also get 2000 welcome bonus EazyPoints & Rs. 7500 voucher of The Postcard Hotel.
• Extra 25% off (up to Rs. 1,000) on each transaction (maximum Rs. 2,000 per month), when you eat out & pay on the EazyDiner app. For an additional discount of Rs. 3,000 in the same month, spend Rs. 30,000 in the previous calendar month on non- dining transactions.
• A complimentary premium alcoholic beverage for every diner at 200+ select restaurants on the EazyDiner app.
• 1% fuel surcharge waiver across all fuel stations in India. 

Charges:

• Joining fee: Rs. 2,999.
• Annual fee: Rs. 2,999.

6. HSBC Live+ Credit Card

Best For: Dining and cashback

Key Features & Benefits:

• Rs. 1,000 cashback as a welcome benefit on downloading & logging on to the HSBC India Mobile Banking app, and spending Rs. 20,000 in the first 30 days of receiving the card. 
• Amazon eGift Voucher worth Rs. 250 as a welcome benefit on applying for the card online and completing your application with video self-verification.
• 10% accelerated cashback (up to Rs. 1,000/ month) on dining, food delivery & grocery spends across India. 
• 1.5% unlimited cashback on most other spends (except fuel, e-wallets, rental transactions, B2B transactions, education & government-related transactions, insurance, and other select transactions.
• 1.5% unlimited cashback on movies and shows at home/ cinema.
• 1.5% unlimited cashback on selected categories at home and when travelling abroad.
• Up to 15% off with Live+ Dining Programme.
• 4 complimentary domestic airport lounge visits per year.

Charges:

• Joining fee: Rs. 999.
• Annual fee: Rs. 999: Waived on spending more than Rs. 2 Lakhs a year.

7. HSBC RuPay Cashback

Best For: Dining and travel

Key Features & Benefits:

• Rs. 500 cashback on downloading & logging in to the HSBC India Mobile Banking app, and spending Rs. 10,000 in the first 30 days of receiving the card.
• Rs. 250 Amazon eGift Voucher on applying for the card online, verifying yourself through video and receiving your card.
• This is one of the best credit cards for dining in India, with benefits like a 2-month EazyDiner Prime membership on activating the card, which gives you guaranteed 25% to 50% off at premium bars & restaurants, priority reservations at premium restaurants, 2x EazyPoints, and a dedicated VIP EazyDiner Prime Concierge line 7861004400. 
• Up to 2 complimentary domestic airport lounge visits per quarter and up to 2 international airport lounge visits per year.
• 10% cashback on dining, food delivery and grocery spending.
• 1% cashback on every other eligible spend.
• 5% off (up to Rs. 150) on transactions of Rs. 299 or more on prepaid & postpaid mobile, DTH, broadband, gas cylinders, piped gas, water, FASTag, and electricity bills paid via Paytm.
• 12% (up to Rs. 1,600) off on domestic flights (minimum transaction of Rs. 6,000), 10% (up to Rs. 6,000) off on international flights (minimum transaction of Rs. 15,000), and 20% (up to Rs. 5,000) off on domestic & international hotels (minimum transaction of Rs. 5,000) booked via Cleartrip.
• This Rupay credit card offers 0% forex markup on your transactions abroad until 30 June 2026.

Charges:

• Joining fee: Rs. 499.
• Annual fee: Rs. 499; Waived on spending more than Rs. 2,00,000 per year.

8. Axis Bank My Zone Credit Card

Best For: Dining and lifestyle

Key Features & Benefits:

• Free SonyLiv Premium annual subscription worth Rs. 1,499 as an activation benefit, and on card renewal when you spend Rs. 1.5 Lakhs in the previous card anniversary year.
• 100% off (up to Rs. 200 off/month) on your second movie ticket booked through the District app. Use coupon code AXIS200.
• This lounge access credit card offers 1 complimentary lounge access per quarter at select airport lounges in India on spending Rs. 50,000 in the previous 3 months.
• Flat Rs. 120 off per order on food delivery (on minimum order value of Rs. 500) through Swiggy by using the coupon code AXIS120. Offer valid for up to 2 times a month per User ID.
• 4 EDGE reward points on every spending of Rs. 200, except movie, insurance, wallet, fuel, rent, utilities, jewellery, government institutions, education and EMI transactions.
• 1000 EDGE reward points on achieving annual spends of Rs. 1.5 Lakhs in a card anniversary year.
• Rs. 1,000 off at AJIO on a minimum purchase value of Rs. 2,999. Use coupon code AJIOAXISMZ. 
• 1% fuel surcharge waiver (up to Rs. 400 per month) for all fuel transactions between Rs. 400 and Rs. 4,000 across India.
• Up to Rs. 1,000 off via the Axis Bank Dining Program with EazyDiner.
• Every Wednesday, get an instant 15% off on booking flights and hotels through MakeMyTrip, 10% off on orders through Swiggy, and 10% off (up to Rs. 1,000) on Tira. 

 Charges:

• Joining fee: Nil for the Mastercard network.
• Annual fee: Nil for the Mastercard network.

9. Axis Bank Neo Credit Card 

Best For: Dining and online shopping

Key Features & Benefits:

• Up to Rs. 120 off per order on food delivery via Zomato (minimum order of Rs. 499), twice a month by using the AXISNEO coupon code.
• 5% off (up to Rs. 150 per month), once a month on mobile/ DTH/ broadband recharge through the Paytm app (minimum order of Rs. 299) by using the AXISNEO coupon code.
• 10% off (maximum Rs. 250 per month), once a month on Blinkit, with a minimum spend of Rs. 750.
• 10% off (maximum Rs. 100 per month) on every movie ticket purchased on BookMyShow.
• Rs. 150 off on select styles on Myntra on a minimum purchase of Rs. 999.
• Up to Rs. 1,000 off via the Axis Bank Dining Program with EazyDiner.
• 1 Edge reward point on every Rs. 200 spent, and redeem them against 500+ rewards & offers.
• 100% cashback (up to Rs. 300) on your first utility bill payment within the first 30 days of card issuance.
• Every Wednesday, get an instant 15% off on booking flights and hotels through MakeMyTrip, 10% off on orders through Swiggy, and 10% off (up to Rs. 1,000) on Tira. 

Charges: 

• Joining fee: Rs. 250; Lifetime free for select channels.
• Annual fee: Rs. 250; Lifetime free for select channels.

9 . Flipkart Axis Bank Credit Card

Best For: Dining and cashback

Key Features & Benefits:

• Rs. 600 worth of activation benefits, Flipkart and BookMyShow vouchers of Rs. 250 each on making your first card transaction, 50% off (up to Rs. 100) on the first Swiggy food order, and free 3-month Myntra Insider Membership as welcome benefits.
• 7.5% cashback (maximum Rs. 4,000 per statement quarter) on Myntra spends.
• 5% cashback (maximum Rs. 4,000 per statement quarter) on Flipkart and Cleartrip spends.
• Unlimited 4% cashback on preferred merchants (PVR, Swiggy, Cultfit, and Uber).
• Unlimited 1% cashback on other eligible categories. 
• 1% fuel surcharge waiver (maximum Rs. 400 per statement cycle) at all fuel stations in India for every transaction of Rs. 400 to Rs. 4,000.
• Minimum 15% off (maximum Rs. 500) at partner restaurants in India with Axis Bank Dining Delights with EazyDiner. 
• Every Wednesday, get an instant 15% off on booking flights and hotels through MakeMyTrip, 10% off on orders through Swiggy, and 10% off (up to Rs. 1,000) on Tira.

Charges: 

• Joining fee: Rs. 500; Waived for first-year free cards during select period.
• Annual fee: Rs. 500; Waived on annual spends of more than Rs. 3.5 Lakhs.

10. MagniFi Fi-Federal Credit Card

Best For: Dining and online shopping 

Key Features & Benefits:

• This lifetime free credit card offers 20% off (maximum Rs. 100) on Zomato, Zepto, Amazon, and BookMyShow, once a month, on a minimum order value of Rs. 500.
• 200 Fi-Points on spending Rs. 1,000 on eligible shopping, dining, entertainment, and grocery & food spends, with a monthly limit of 2,000 Fi-Points (worth Rs. 500) on weekend rewards (Saturday - Sunday).
• 20 Fi-Points (4X rewards) for spending every Rs. 1,000 on select brands (Uber, UrbanCompany, Flipkart, and MakeMyTrip) on the weekends, with a monthly limit of 2,000 Fi-Points (worth Rs. 500) on weekdays (Monday - Friday).
• Up to Rs. 5,000 on Yatra (domestic) and up to Rs. 1,000 on Yatra.
• Up to Rs. 5,000 on Musafir.
• 0.5% to 5% back on all Fi spends.
• Up to 5% off on Japan Airlines.
• Up to 50% off on food orders and cab rides on Grab.
• 25% on cabs on Grab Transport.
• 20% off on stays at IHG.
• Flat 25% off on the base fare of Bloom Hotels.
• Up to 20% on booking movie tickets through BookMyShow.
• Up 10% off on Qatar Airways.
• Up to 14% off on e-gift vouchers of Travel Gift Card.

Charges: 

• Joining fee: Nil.
• Annual fee: Nil.

• Complimentary memberships: These cards offer complimentary memberships of Swiggy One, Club ITC Silver Tier, or EazyDiner Prime, making your dining experience more rewarding.
• Reward Points and Cashback: Accelerated reward points/ cashback on dining and groceries, discounts on food delivery apps (like Swiggy and Zomato), and EazyDiner offers.
• Instant discounts: You can get up to 25% discounts on the total bill on dining at partner restaurants. 
• Access to exclusive dining benefits: Some cards offer access to dining programs, such as Axis Bank Dining Program with EazyDiner, Live+ Dining Programme, and Wednesday Delight.
• Vouchers: Some dining cards offer exclusive vouchers like a Rs. 1,500 Barbeque Nation voucher, a Pizza Hut e-Voucher worth 500 or Rs. 1,000. 
• Non-dining offers: Many dining cards also provide other benefits, such as domestic airport lounge access, rewards/cashback on shopping, fuel surcharge waivers, and so on.
• EMI conversion facility: Larger dining bills can be converted into Easy Monthly Instalments (EMIs) with the EMI conversion facility offered by some dining cards. 
• Security: Most dining credit cards offer fraud monitoring, encryption and OTPs for secure transactions, and protection against loss/ damage/ theft for items purchased.
• Wider Acceptance: Dining credit cards are accepted almost universally online.
• Emergency funds: Credit cards offer a safety net for any unexpected online purchases. 
• Credit score creation/improvement: Using credit cards responsibly can help you build a strong credit history.
• UPI Integration: You can use your card seamlessly with digital payment apps/UPIs.

Applying for a dining credit card online is easy and quick on our portal. All you need to do is follow the steps mentioned below:

• On the homepage, click the ‘Credit Card’ tab.
• From the dropdown menu, choose your preferred credit card option. 
• Click on the ‘Apply Now’ button.
• Fill and submit the required details online to complete the application process.
• If you meet the eligibility criteria of the preferred credit card, you can apply online for it by following the subsequent steps.
• On successfull submitting the required documents and the application form, you will receive an 'Application ID' (helpful in tracking your application and for future reference).