Best Credit Cards for Dining in India 2026: Save on Restaurants and Food Delivery

Food and dining is one of the biggest monthly expenses for urban Indian households — covering restaurant meals, Swiggy and Zomato deliveries, café visits and weekend outings. The right credit card can give you 30% off at restaurants or 4% back on every delivery order. Here are the best dining credit cards in India for 2026.

Best Dining Credit Cards: Comparison

1. IndusInd Bank EazyDiner Credit Card — Best for Restaurant Meals

The EazyDiner card is purpose-built for restaurant diners. Instead of cashback or reward points, it gives you a flat 30% discount at over 2,000 partner restaurants across India. This is a straight discount applied at the time of payment through the EazyDiner app — not a rebate that comes later.

How It Works

1. Reserve your table through the EazyDiner app
2. Pay using your IndusInd EazyDiner credit card
3. Receive 30% off your total bill at checkout

The partner network covers premium and mid-range restaurants across Delhi, Mumbai, Bengaluru, Hyderabad, Pune, Chennai, Kolkata and other cities. Many top-tier restaurants are included.

Financial Value

• Monthly restaurant spend at EazyDiner partners: ₹5,000
• 30% discount: ₹1,500 saved per month
• Annual saving: ₹18,000
• Less annual fee: ₹1,999
• Net annual saving: ₹16,001

The card breaks even at just ₹6,663 in annual restaurant spend at partner merchants — roughly 1–2 dinners per month.

Additional Benefits

• 2X reward points on all other dining (including Swiggy, Zomato)
• 2 complimentary domestic airport lounge visits per quarter
• Complimentary EazyDiner Prime membership (worth ₹2,000/year)

Apply for IndusInd EazyDiner →

2. Axis Ace — Best for Swiggy and Zomato

For food delivery orders on Swiggy and Zomato, Axis Ace gives 4% direct cashback credited to your statement automatically. No app needed, no restaurant search, no minimum order. Just order through Swiggy or Zomato, pay with Axis Ace, and earn 4%.

Real Earnings on Food Delivery

• Monthly Swiggy + Zomato spend: ₹5,000
• 4% cashback: ₹200/month
• Annual cashback on delivery: ₹2,400
• Plus 2% on all other spends throughout the month
• Annual fee: ₹499
• Net benefit on delivery alone: ₹1,901

This is the simplest, most straightforward food delivery card in India. No platform to check, no partner to verify — just earn on every Swiggy and Zomato order automatically.

Apply for Axis Ace →

3. Standard Chartered Rewards — Best Free Dining Card

The SC Rewards card gives 4X reward points on all dining and entertainment at zero annual fee. What makes it stand out: reward points never expire, which removes the pressure to redeem within a deadline.

• 4X reward points on dining and entertainment (restaurants, Swiggy, Zomato, food courts)
• 1X on all other spends
• Points never expire — accumulate at your own pace
• Annual fee: Zero — lifetime free

On ₹5,000 monthly dining spend: 4X × ₹5,000/₹100 = 200 points/month × ₹0.25 each = ₹50/month → ₹600/year. Not life-changing, but it is free and the never-expiring points add up over time.

Apply for SC Rewards →

4. SBI Card Unmatched — Best for Weekend Diners

SBI Card Unmatched gives 10X reward points on dining, movies and shopping — on weekends only (Saturday and Sunday). For people who dine out primarily on weekends, this is one of the highest weekend dining reward rates available.

• 10X reward points on dining, movies, departmental stores on weekends
• 2X reward points on weekday dining
• 4 complimentary domestic lounge visits per year
• Annual fee: ₹1,499

On ₹8,000 monthly weekend dining + entertainment: 10X → ₹200/month in point value → ₹2,400/year. Net after fee: ₹901. Better suited for heavy weekend spenders.

Apply for SBI Card Unmatched →

5. HDFC Millennia — For the SmartBuy + Swiggy User

Millennia earns 5% CashPoints on Swiggy and Zomato — but remember, 5% CashPoints = 1.5% effective cashback (1 CP = ₹0.30). Axis Ace’s direct 4% cashback beats Millennia’s effective 1.5% on food delivery. Millennia makes more sense when combined with SmartBuy shopping benefits.

Apply for HDFC Millennia →

Best Dining Card Combination

For maximum dining savings, use two cards with complementary strengths:

• IndusInd EazyDiner for sit-down restaurant meals at partner venues (30% off)
• Axis Ace for Swiggy and Zomato food delivery (4% cashback)

Combined annual fee: ₹2,498. On ₹10,000 monthly dining (₹5,000 restaurants via EazyDiner + ₹5,000 delivery), annual combined saving: ₹16,000 (restaurants) + ₹2,400 (delivery) = ₹18,400. Net after fees: ₹15,902.

Choosing Your Dining Card

How to Get the Most From Axis Magnus Miles

The Magnus miles programme rewards those who take time to learn it. The highest-value redemptions are almost always in business class and premium economy on partner airlines — economy redemptions typically give far less value per mile. On Singapore Airlines KrisFlyer, business class awards from India to Singapore start at around 35,000 miles one way. At Magnus's earning rate on travel spend (3.5% effective airline miles), ₹10 lakh in travel spend earns approximately 35,000 miles — enough for a one-way business class Singapore ticket worth ₹80,000–₹1,00,000 at cash prices. Transfer partners allow you to move EDGE Miles at a 5:1 ratio, which means you need 5× the airline miles in EDGE Miles. Plan your redemptions in advance and transfer miles only when you have a specific booking in mind — keeping points in the EDGE Miles pool until needed gives you flexibility across all 12 partner programmes.

Benefits verified 2026. EazyDiner partner restaurant list subject to change. Always confirm terms on the official bank website before applying.