Dining cards

Best Dining Credit Cards in India

Find dining credit cards for restaurants, food delivery, dining discounts, reward multipliers, monthly caps, and annual fee value.

Shortlist coverage8

3 issuers represented · best modeled value ₹10,374/yr

Dining multipliers checked

Food delivery value included

Caps and exclusions reviewed

Top shortlist

Cards to compare first

Ranked from current card data, fee math, category fit, and modeled spend assumptions.

Axis · Visa

25% cashback on Airtel recharges/bills, 10% on utility bill payments and eligible food/grocery partners, plus 1% on other spends.

₹10,374estimated value/yr₹500annual fee11lounge rows

Axis · MasterCard

5% Unlimited Cashback on Flipkart (with conditions)

₹10,374estimated value/yr₹500annual fee42lounge rows

HSBC · Visa

10% cashback on dining, food delivery and grocery spends (capped), with 1.5% on other eligible spends.

₹10,048estimated value/yr₹999annual fee66lounge rows

HDFC · MasterCard

5% CashPoints on Top Merchants

₹9,964estimated value/yr₹1,000annual fee19lounge rows

HDFC · MasterCard

New March 2026 Swiggy BLCK variant: 10% cashback on Swiggy, 5% on eligible online spends, and 1% on other eligible spends.

₹9,933estimated value/yr₹1,000annual fee

Restaurant dining, food delivery apps, and grocery-style food spends may earn different rewards even on the same card.

For frequent dining users, instant restaurant discounts or food-delivery cashback can beat a generic reward-point card.

FAQ

Which card is best for dining?

The best dining card depends on whether you spend more at restaurants, delivery apps, or partner dining programs.

Are dining rewards capped?

Often yes. Check monthly cashback caps, eligible MCCs, partner exclusions, and minimum transaction rules.