Credit Cards · Dining
Best Credit Cards for Dining
Dining credit cards give boosted rewards on restaurants and food delivery apps like Swiggy and Zomato. Ranked below by dining-category reward rate.
Ranked
16 cards ranked for dining
Swiggy HDFC Bank Credit Card
HDFC Bank
10.00%
on dining
- ✓10% cashback on Swiggy app (food delivery, Instamart, Dineout, Genie), capped 1,500/cycle
- ✓5% cashback on apparel, electronics, personal care and other online categories
- ✓1% cashback on other eligible spends
AU Small Finance Bank Zenith Credit Card
AU Small Finance Bank
5.00%
on dining
- ✓Premium super-premium card with 3% base reward rate on all spends
- ✓20 points per 100 (5%) on standalone restaurant dining
- ✓8 domestic and 8 international lounge visits annually via Priority Pass
SBI Card Prime
SBI Card
5.00%
on dining
- ✓8 complimentary domestic lounge visits per year
- ✓5% accelerated cashback on grocery and dining (capped ?500/month)
- ✓Club Vistara Silver membership worth ?2,999
American Express SmartEarn Credit Card
American Express
4.00%
on dining
- ✓Low entry-level annual fee of 495, waivable on 40,000 annual spend
- ✓1 Membership Rewards point per 50 on regular spends
- ✓Bonus points on 10X partner brands like Zomato, BookMyShow, Flipkart, and Uber
Axis Bank ACE Credit Card
Axis Bank
4.00%
on dining
- ✓2% flat cashback on all spends via Google Pay / PhonePe
- ✓4% cashback on Swiggy, Zomato, and Ola
- ✓5% cashback on utility bill payments via Google Pay
Bank of Baroda Eterna Credit Card
Bank of Baroda (BOBCARD)
3.75%
on dining
- ✓Unlimited domestic airport lounge access
- ✓15 reward points per 100 (~3.75%) on online, travel, dining and movie spends
- ✓Strong welcome and milestone bonuses worth up to 30,000 points
HDFC Bank Diners Club Black Metal Edition Credit Card
HDFC Bank
3.33%
on dining
- ✓Unlimited domestic and international airport lounge access
- ✓Up to 24 complimentary golf rounds annually (6 per quarter)
- ✓5 reward points per 150 spent, with 10,000 bonus points on 4 lakh quarterly spend
HDFC Bank Infinia Credit Card
HDFC Bank
3.33%
on dining
- ✓Unlimited domestic + international lounge access (Priority Pass)
- ✓5 reward points per ?150 � redeemable at ?1/point
- ✓2% FX markup, best-in-class for international travel
IndusInd Bank Celesta Credit Card
IndusInd Bank
3.00%
on dining
- ✓Unlimited domestic + international lounge access (DreamFolks)
- ✓1 reward point = ?1 � no value erosion on redemption
- ✓2% FX markup for international transactions
HDFC Bank Regalia Credit Card
HDFC Bank
2.67%
on dining
- ✓12 complimentary domestic lounge visits/year
- ✓6 international Priority Pass lounge visits/year
- ✓2% FX markup � lowest among HDFC cards
BPCL SBI Card Octane
State Bank of India
2.50%
on dining
- ✓6.25% value back at BPCL fuel pumps, lubricants and Bharat Gas, capped 2,500 points/month
- ✓1% fuel surcharge waiver up to 100/month
- ✓Bonus rewards on groceries, dining, movies and department stores
SBI Card Elite
State Bank of India
2.50%
on dining
- ✓5,000 welcome e-vouchers largely offset the first-year fee
- ✓5X reward points on dining, grocery and departmental store purchases
- ✓Movie tickets worth 6,000 per year
IDFC FIRST Millennia Credit Card
IDFC FIRST Bank
1.25%
on dining
- ✓Lifetime free with no joining or annual fee
- ✓Up to 10X reward points on dining and travel spends
- ✓25% off up to 100 on movie tickets via Paytm, once a month
IDFC FIRST Select Credit Card
IDFC FIRST Bank
1.25%
on dining
- ✓Lifetime free card with no joining or annual fee
- ✓10X reward points on dining, travel, international spends and birthday spends
- ✓Quarterly complimentary domestic airport lounge access (spend-linked)
IDFC FIRST Classic Credit Card
IDFC FIRST Bank
0.75%
on dining
- ✓Lifetime free with zero joining or annual fee
- ✓Reward points never expire, redeemable anytime within validity
- ✓10X reward points on incremental monthly spends above 20,000 and birthday spends
American Express Membership Rewards Credit Card
American Express
0.50%
on dining
- ✓18 Karat Gold Collection: redeem 18,000 points for ?8,000+ vouchers
- ✓1,000 bonus points on 4 transactions of ?1,500+ in a month
- ✓Amex Offers: curated discounts at partner restaurants and brands
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