Top Dining Credit Cards in India for 2026

If you love eating out or are a foodie, a dining credit card can help you save more on your restaurant bills. The right card can get you discounts, free memberships, and special dining offers at partner restaurants. But with so many options available, choosing the best one can be confusing. To make it easier for you, here is a list of the best dining credit cards in India that offer great value and savings on your dining expenses.

Swiggy HDFC Bank Credit Card
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Swiggy HDFC Bank Credit Card

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Joining Fee Joining Fee
₹500 + GST
Annual Fee Annual Fee
₹500 + GST
Rewards Type Rewards Type
Cashback
card category Best For
Dining | Cashback | Online Shopping

Reward Key Benefits

  • Get complimentary 3-month Swiggy One membership on card activation
  • Earn 10% cashback on Swiggy spends (food, Instamart, Dineout, Genie) up to ₹1,500 per month
  • Get 5% cashback on online spends up to ₹1,500 per month

  • 10% Cashback on Swiggy: Food, Instamart, Dineout, and Genie (monthly cap ₹1,500).
  • 5% Cashback on Online Spends: Across select online categories (monthly cap ₹1,500).
  • 1% Cashback on Other Purchases: Including offline spends (monthly cap ₹500).
  • Complimentary Swiggy One: 3-month membership on activation.
  • Travel Discount: 6% off on flights and intercity bus bookings via Paytm Travel.
  • Golf Benefits (Mastercard): 4 complimentary green fees + 12 lessons per year; 50% off extra rounds.
  • Annual Fee Waiver: Spend ₹2 lakh/year to waive fee (excludes cash, balance transfers).
  • Zero Lost Card Liability: Report lost card to avoid fraudulent charges.
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EazyDiner IndusInd Bank Signature Credit Card
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EazyDiner IndusInd Bank Signature Credit Card

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Joining Fee Joining Fee
₹1999 + GST
Annual Fee Annual Fee
₹1999 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Dining

Reward Key Benefits

  • Earn 10 reward points per ₹100 on dining, shopping and entertainment spends
  • Get 3X EazyPoints on all spends
  • Get complimentary 12-month EazyDiner Prime membership worth ₹2,495

HDFC Diners Club Privilege Credit Card
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HDFC Diners Club Privilege Credit Card

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Joining Fee Joining Fee
₹2500 + GST
Annual Fee Annual Fee
₹2500 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Dining

Reward Key Benefits

  • Enjoy up to 20% off on dining via Swiggy Dineout
  • Get complimentary Swiggy One and Times Prime memberships on ₹75,000 spend in first 90 days
  • Earn 20 reward points per ₹150 on Swiggy and Zomato spends

  1. Transactions not eligible for reward points: Fuel, cash advances, payment of outstanding balance, card fees & charges, and Smart EMI/Dial an EMI.
  2. Reward caps:
    • Insurance, utility, and telecom spends – maximum 2,000 reward points per day (per category).
    • Grocery spends – maximum 2,000 reward points per calendar month.
    • Overall monthly cap – 50,000 reward points per statement cycle.
  3. Zomato & Swiggy 5X Rewards:
    • Out of 5X, the extra 4X is capped at 2,500 reward points per month.
    • Remaining 1X rewards have no cap.
    • Applicable only on minimum transactions of ₹150.
  4. Reward Redemption Rules:
    • Maximum 70% of travel bookings (flights, hotels, experiences) can be paid via reward points, capped at 50,000 points/month.
    • Cashback redemption against statement balance capped at 50,000 points/month.
  5. Activation Benefit: Available only on spends of ₹75,000 within 90 days of card issuance.
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Axis My Zone Credit Card
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Axis My Zone Credit Card

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Joining Fee Joining Fee
₹500 + GST
Annual Fee Annual Fee
₹500 + GST
Rewards Type Rewards Type
Cashback
card category Best For
Dining | Entertainment | Online Shopping

Reward Key Benefits

  • Get ₹120 off on Swiggy orders (min ₹500, twice a month)
  • Enjoy Buy 1 Get 1 movie ticket offer (up to ₹200/month) via District app
  • Get 1-year SonyLiv subscription worth ₹1,499 on first spend

  • ₹500 annual fee
  • Buy 1 Get 1 free movie ticket (up to ₹200/month via District by Zomato)
  • Rs. 120 off on Swiggy orders (twice a month)
  • Complimentary SonyLIV Premium annual subscription
  • Fuel surcharge waiver (1% on transactions ₹400–₹4,000)
  • 15% off on dining via Axis Bank Dining Delights (up to ₹500/month)
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Airtel Axis Bank Credit Card
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Airtel Axis Bank Credit Card

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Joining Fee Joining Fee
₹500 + GST
Annual Fee Annual Fee
₹500 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Dining | Cashback | Entry-Level

Reward Key Benefits

  • Get 10% cashback on Swiggy, Zomato and BigBasket (up to ₹500/month)
  • Enjoy up to 15% off on dining via EazyDiner
  • Get ₹500 Amazon voucher on first transaction within 30 days

HSBC Live+ Credit Card
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HSBC Live+ Credit Card

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Joining Fee Joining Fee
₹0 + GST
Annual Fee Annual Fee
₹0 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Dining | Cashback | Online Shopping

Reward Key Benefits

  • Get 10% cashback on dining, grocery and food delivery (up to ₹1,000/month)
  • Enjoy up to 15% off on dining via Live+ Dining Programme
  • Earn unlimited 1.5% cashback on all spends

Best Dining Credit Cards in India for 2026

Here is list of top Dining credit cards along with detailed benefits and fees & charges.

1. Swiggy HDFC Bank Credit Card

Swiggy HDFC Bank Credit Card

Joining Fee: Rs. 500 + GST

Annual Fee: Rs. 500 + GST

Key Features and Benefits:

  • Get complimentary 3-month Swiggy One membership on card activation
  • Earn 10% cashback on Swiggy spends (food, Instamart, Dineout, Genie) up to ₹1,500 per month
  • Get 5% cashback on online spends up to ₹1,500 per month
  • Earn 1% cashback on other spends up to ₹500 per month

2. EazyDiner IndusInd Bank Signature Credit Card

EazyDiner IndusInd Bank Signature Credit Card

Joining Fee: Rs. 1999 + GST

Annual Fee: Rs. 1999 + GST

Key Features and Benefits:

  • Earn 10 reward points per ₹100 on dining, shopping and entertainment spends
  • Get 3X EazyPoints on all spends
  • Get complimentary 12-month EazyDiner Prime membership worth ₹2,495
  • Enjoy extra 25% discount up to ₹1,000 on dining via PayEazy
  • Get complimentary alcoholic beverage at select restaurants
  • Earn 2,000 EazyPoints as welcome bonus
  • Earn 4 reward points per ₹100 on other spends
  • Get Postcard Hotel voucher worth ₹5,000

3. HDFC Diners Club Privilege Credit Card

HDFC Diners Club Privilege Credit Card

Joining Fee: Rs. 2500 + GST

Annual Fee: Rs. 2500 + GST

Key Features and Benefits:

  • Enjoy up to 20% off on dining via Swiggy Dineout
  • Get complimentary Swiggy One and Times Prime memberships on ₹75,000 spend in first 90 days
  • Earn 20 reward points per ₹150 on Swiggy and Zomato spends
  • Get ₹1,500 voucher on ₹1.5 lakh quarterly spends
  • Earn 10X reward points on SmartBuy spends and 4 points per ₹150 on other spends
  • Get Buy 1 Get 1 movie ticket offer (up to ₹250 off) via BookMyShow
  • Enjoy 2 complimentary airport lounge visits worldwide every quarter

The HDFC Premium Travel Credit Card comes with an annual fee of Rs. 1,000, which can be waived off upon achieving milestone spends, making it a rewarding choice for frequent travelers.

4. Axis My Zone Credit Card

Axis My Zone Credit Card

Joining Fee: Rs. 500 + GST

Annual Fee: Rs. 500 + GST

Key Features and Benefits:

  • Get ₹120 off on Swiggy orders (min ₹500, twice a month)
  • Enjoy Buy 1 Get 1 movie ticket offer (up to ₹200/month) via District app
  • Get 1-year SonyLiv subscription worth ₹1,499 on first spend
  • Save up to ₹1,000 on AJIO (on ₹2,999 spend)
  • Earn 4 EDGE reward points per ₹200 on all spends
  • Enjoy 1 complimentary domestic lounge visit every quarter

The reward system of the Axis Bank My Zone Credit Card is quite limited, as it does not offer any extra rewards on specific spending categories and the redemption value is low at just ₹0.20 per point. There are also many exclusions, which makes it harder to earn useful reward points. Because of this, it should not be considered a rewards-focused card. Instead, its main value comes from brand-specific discounts, making it a better choice for people who regularly shop with its partner brands.

5. Airtel Axis Bank Credit Card

Airtel Axis Bank Credit Card

Joining Fee: Rs. 500 + GST

Annual Fee: Rs. 500 + GST

Key Features and Benefits:

  • Get 10% cashback on Swiggy, Zomato and BigBasket (up to ₹500/month)
  • Enjoy up to 15% off on dining via EazyDiner
  • Get ₹500 Amazon voucher on first transaction within 30 days
  • Earn 25% cashback on Airtel bill payments (up to ₹250/month)
  • Get 10% cashback on utility payments via Airtel Thanks app (up to ₹250/month)
  • Earn 1% cashback on other spends
  • Enjoy 4 domestic lounge visits per year (on ₹50,000 quarterly spend)

6. HSBC Live+ Credit Card

HSBC Live+ Credit Card

Joining Fee: Rs. 0 + GST

Annual Fee: Rs. 0 + GST

Key Features and Benefits:

  • Get 10% cashback on dining, grocery and food delivery (up to ₹1,000/month)
  • Enjoy up to 15% off on dining via Live+ Dining Programme
  • Earn unlimited 1.5% cashback on all spends
  • Get ₹1,000 cashback on ₹20,000 spend within first 30 days
  • Enjoy 4 complimentary domestic airport lounge visits every year

Explore Other Dining Credit Cards

SBI SimplySAVE Credit Card

SBI SimplySAVE Credit Card

Joining Fee: ₹499
🍽 Dining 🏆 Reward 
  • Earn 10 reward points per ₹150 on dining, movies, grocery and departmental store spends
  • Earn 1 reward point per ₹150 on other spends
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AU Zenith Credit Card

AU Zenith Credit Card

Joining Fee: ₹7999
✈ Travel 🍽 Dining 🏆 Reward 
  • Earn 5 reward points per ₹100 on dining, international spends, groceries and departmental stores
  • Earn 3 reward points per ₹100 on other spends
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IDFC Bank FIRST SWYP Credit Card

IDFC Bank FIRST SWYP Credit Card

Joining Fee: ₹499
✈ Travel 🛒 Shopping 🍽 Dining 
  • Save 10% on Zomato orders (up to ₹100, twice a month)
  • Get 25% off on movie tickets (up to ₹100 per month)
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