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10 Best Dining Credit Cards in India (2026)

Earn rewards at restaurants. Compare multiplied reward points, complimentary meals and food delivery cashback.

✅ Rankings updated: March 2026 🏆 Ranked by: reward rate, fee value, real-world usability — not paid partnerships 📋 Data verified against official bank websites
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How we rank: Cards are ordered by overall value score — a weighted formula combining reward rate, annual fee, joining fee waiver, lounge access, and real-world usability for Indian spending habits. The #1 card genuinely offers the best combination for most people in this category.
⭐ #1 IN THIS CATEGORY
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American Express

American Express Platinum Charge Card

American Express
super-premium travel lounge-access air-miles dining
Annual Fee: ₹60,000
Joining Fee: ₹60,000
🎁 Unlimited MR Points; Centurion lounge access worldwide; concierge
✅ Best for: Ultra HNI individuals wanting the most exclusive card in India
⭐ 4.9/5
See Details Apply Now →
#2 RUNNER-UP
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HDFC Diners

HDFC Diners Club Black Metal Edition

HDFC Bank
super-premium travel lounge-access dining
Annual Fee: ₹10,000
Joining Fee: ₹10,000
🎁 5 Reward Points per ₹150; premium Diners Club acceptance
✅ Best for: Super-premium users wanting global lounge access and concierge
⭐ 4.8/5
See Details Apply Now →
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IndusInd Bank

IndusInd Bank Celesta Credit Card

IndusInd Bank
super-premium travel lounge-access dining
Annual Fee: ₹40,000
Joining Fee: ₹40,000
🎁 1 Reward Point per ₹100; unlimited lounge access; golf; butler service
✅ Best for: Ultra-premium IndusInd private banking customers
⭐ 4.7/5
See Details Apply Now →
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HDFC Millennia

HDFC Millennia Credit Card

HDFC Bank
Cashback Shopping Dining
Annual Fee: ₹1,000/yr
Joining Fee: ₹1,000
🎁 5% cashback on Amazon, Flipkart, Myntra, Swiggy
✅ Best for: Online shoppers spending ₹40k+/month on top platforms
⭐ 4.6/5
See Details Apply Now →
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Axis Ace

Axis Ace Credit Card

Axis Bank
Cashback Dining Lifestyle Fuel
Annual Fee: ₹499/yr
Joining Fee: ₹499
🎁 5% cashback on GPay bill payments; 4% on Swiggy/Zomato/Ola
✅ Best for: Urban professionals paying rent, bills and dining via apps
⭐ 4.6/5
See Details Apply Now →
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American Express

American Express Gold Charge Card

American Express
travel air-miles lounge-access dining
Annual Fee: ₹4,500
Joining Fee: ₹4,500
🎁 1 MR Point per ₹50; 5X on IndiGo and Air India through Amex Travel
✅ Best for: Business travellers and frequent flyers accumulating MR Points
⭐ 4.6/5
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HDFC Bank

HDFC Bank Millennia Credit Card

HDFC Bank
cashback shopping dining
Annual Fee: ₹1,000
Joining Fee: ₹1,000
🎁 5% cashback on Amazon, Flipkart, Myntra, BookMyShow, Swiggy, Uber
✅ Best for: Online shoppers spending ₹40,000+/month
⭐ 4.6/5
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IndusInd Bank

IndusInd Bank Legend Credit Card

IndusInd Bank
super-premium travel lounge-access dining
Annual Fee: ₹9,999
Joining Fee: ₹9,999
🎁 2 Reward Points per ₹100; unlimited lounge access; Taj Epicure membership
✅ Best for: Premium lifestyle spenders wanting Taj hotel benefits and unlimited lounge
⭐ 4.5/5
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SBI Card

SBI Card Elite

SBI Card
Premium Travel Lounge Access Dining
Annual Fee: ₹4,999/yr
Joining Fee: ₹4,999
🎁 5 Reward Points per ₹100; 10X on dining and groceries
✅ Best for: Premium cardholders wanting lounge access with a trusted brand
⭐ 4.5/5
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AU Bank

AU Bank Zenith Plus Credit Card

AU Small Finance Bank
super-premium travel lounge-access dining
Annual Fee: ₹4,999
Joining Fee: ₹4,999
🎁 20 Reward Points per ₹100 on dining and travel; 10 on others
✅ Best for: Premium spenders wanting high rewards and unlimited lounge access
⭐ 4.5/5
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HDFC Diners

HDFC Diners Club Privilege Credit Card

HDFC Bank
travel lounge-access dining air-miles
Annual Fee: ₹2,500
Joining Fee: ₹2,500
🎁 4 Reward Points per ₹150; 10X on weekend dining
✅ Best for: Frequent flyers and foodies wanting both lounge access and dining rewards
⭐ 4.5/5
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American Express

American Express Membership Rewards Credit Card

American Express
air-miles dining lifestyle
Annual Fee: ₹4,500
Joining Fee: ₹4,500
🎁 1 MR Point per ₹50; 1,000 bonus MR on 6 transactions/month
✅ Best for: Premium card users who value Amex service and MR redemption flexibility
⭐ 4.4/5
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Amex Membership

Amex Membership Rewards Card

American Express
Premium Dining Lifestyle Air Miles
Annual Fee: ₹4,500/yr
Joining Fee: ₹4,500
🎁 1 MR Point per ₹50; 1,000 bonus MR on 6 transactions/month
✅ Best for: Premium card users who value Amex service and dining benefits
⭐ 4.4/5
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IDFC FIRST

IDFC FIRST Millennia Credit Card

IDFC First Bank
lifetime-free cashback dining ♾️ Lifetime Free
Annual Fee: Free
Joining Fee: Free
🎁 5X Rewards on online; 3X offline; 10% off on Swiggy and Zomato
✅ Best for: Millennials spending on food delivery, shopping and OTT apps
⭐ 4.3/5
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IndusInd Bank

IndusInd Bank Pinnacle Credit Card

IndusInd Bank
travel lounge-access dining air-miles
Annual Fee: ₹5,000
Joining Fee: ₹5,000
🎁 2.5 Reward Points per ₹100; bonus points on travel and dining
✅ Best for: Premium spenders wanting international lounge and travel benefits
⭐ 4.3/5
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HDFC Swiggy

HDFC Swiggy Credit Card

HDFC Bank
Dining Cashback Lifestyle
Annual Fee: ₹500/yr
Joining Fee: ₹500
🎁 10% cashback on Swiggy; 5% on other online spends
✅ Best for: Swiggy users ordering food 2+ times a week
⭐ 4.3/5
See Details Apply Now →
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SBI Card

SBI Card Prime

SBI Card
dining lounge-access travel movie
Annual Fee: ₹2,999
Joining Fee: ₹2,999
🎁 10 Reward Points per ₹100 on dining, movies, grocery; 2 on others
✅ Best for: Mid-segment spenders wanting both lounge access and lifestyle rewards
⭐ 4.3/5
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RBL Bank

RBL Bank Zomato Edition Card

RBL Bank
Dining Cashback Lifetime Free ♾️ Lifetime Free
Annual Fee: Free
Joining Fee: Free
🎁 10% cashback on Zomato; 5% on fuel; 1% elsewhere
✅ Best for: Zomato users ordering food 3+ times a week
⭐ 4.2/5
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Bank of

Bank of Baroda ETERNA Credit Card

Bank of Baroda (BOB Card)
travel lounge-access dining
Annual Fee: ₹1,499
Joining Fee: ₹1,499
🎁 15 Reward Points per ₹100 on travel and dining; 5 on others
✅ Best for: BOB customers wanting travel rewards and international lounge access
⭐ 4.2/5
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AU Bank

AU Bank Vetta Credit Card

AU Small Finance Bank
travel lounge-access dining
Annual Fee: ₹1,999
Joining Fee: ₹1,999
🎁 10 Reward Points per ₹100 on dining and travel; 5 on others
✅ Best for: Mid-segment users wanting travel rewards and lounge access
⭐ 4.2/5
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RBL Bank

RBL Bank Zomato Edition Black Credit Card

RBL Bank
dining cashback lifetime-free ♾️ Lifetime Free
Annual Fee: Free
Joining Fee: Free
🎁 10% cashback on Zomato; 5% on fuel; 1% on others
✅ Best for: Zomato Gold members ordering food 4+ times a week
⭐ 4.2/5
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ICICI Bank

ICICI Bank Rubyx Credit Card

ICICI Bank
movie dining lounge-access
Annual Fee: ₹2,000
Joining Fee: ₹3,000
🎁 2 PAYBACK Points per ₹100; free movie tickets monthly
✅ Best for: Lifestyle spenders who love movies and dining out
⭐ 4.1/5
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American Express

American Express SmartEarn Credit Card

American Express
shopping cashback dining
Annual Fee: ₹495
Joining Fee: ₹495
🎁 10X MR Points on Amazon, Flipkart, Zomato, BigBasket; 1X on others
✅ Best for: Online shoppers wanting to enter the Amex ecosystem affordably
⭐ 4.1/5
See Details Apply Now →
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SBI Card

SBI Card Pulse

SBI Card
lifestyle lounge-access dining
Annual Fee: ₹1,499
Joining Fee: ₹1,499
🎁 10 Reward Points per ₹100 on pharmacy, dining, movies; Paytm cashback
✅ Best for: Health-conscious spenders at pharmacies and gyms
⭐ 4.1/5
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Kotak Royale

Kotak Royale Signature Credit Card

Kotak Mahindra Bank
lifetime-free lounge-access dining movie ♾️ Lifetime Free
Annual Fee: Free
Joining Fee: Free
🎁 2.5 Reward Points per ₹100; bonus on dining and movies
✅ Best for: Entry-level users wanting lounge access with zero annual fee
⭐ 4.1/5
See Details Apply Now →
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SBI Card

SBI Card SimplySAVE

SBI Card
dining movie cashback
Annual Fee: ₹499
Joining Fee: ₹499
🎁 10X Reward Points on dining, movies, departmental stores, grocery
✅ Best for: Beginners spending mostly on dining, groceries and movies
⭐ 4.0/5
See Details Apply Now →
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Standard Chartered

Standard Chartered EaseMyTrip Credit Card

Standard Chartered
travel lounge-access dining
Annual Fee: ₹350
Joining Fee: ₹350
🎁 20% off on EaseMyTrip; 5X points on dining and grocery
✅ Best for: Frequent EaseMyTrip users booking flights and hotels
⭐ 4.0/5
See Details Apply Now →
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SBI SimplySAVE

SBI SimplySAVE Credit Card

SBI Card
Lifestyle Dining Beginner Movie
Annual Fee: ₹499/yr
Joining Fee: ₹499
🎁 10X Reward Points on dining, movies, departmental stores
✅ Best for: Beginners spending on dining, groceries and movies
⭐ 4.0/5
See Details Apply Now →
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Axis MY

Axis MY Zone Credit Card

Axis Bank
dining shopping cashback
Annual Fee: ₹500
Joining Fee: ₹500
🎁 10% cashback on Zomato and Bigbasket; 15% on Myntra
✅ Best for: Young urban spenders on food delivery, online grocery and fashion
⭐ 4.0/5
See Details Apply Now →
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RBL Bank

RBL Bank Platinum Maxima Credit Card

RBL Bank
dining movie lounge-access
Annual Fee: ₹2,000
Joining Fee: ₹2,000
🎁 20 Reward Points per ₹100 on dining and entertainment; 10 on others
✅ Best for: Lifestyle spenders who love dining, movies and entertainment
⭐ 4.0/5
See Details Apply Now →
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Kotak Mojo

Kotak Mojo Platinum Credit Card

Kotak Mahindra Bank
dining cashback
Annual Fee: ₹1,000
Joining Fee: ₹1,000
🎁 7.5% value back on Swiggy and Zomato; 2X on all other spends
✅ Best for: Food delivery addicts spending ₹5,000+/month on Swiggy and Zomato
⭐ 4.0/5
See Details Apply Now →
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HSBC Visa

HSBC Visa Platinum Credit Card

HSBC India
lifetime-free dining cashback ♾️ Lifetime Free
Annual Fee: Free
Joining Fee: Free
🎁 2 Reward Points per ₹150; 5X on dining for first 6 months
✅ Best for: Entry-level HSBC customers wanting basic rewards with zero fee
⭐ 3.9/5
See Details Apply Now →
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Standard Chartered

Standard Chartered DigiSmart Credit Card

Standard Chartered
shopping dining movie cashback
Annual Fee: ₹588/year
Joining Fee: ₹49/month
🎁 15% off on Myntra; 10% on Zomato and Ola; 5% on BookMyShow
✅ Best for: Digital-first users on OTT, food delivery and fashion apps
⭐ 3.9/5
See Details Apply Now →
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Federal Bank

Federal Bank VISA Signet Credit Card

Federal Bank
travel lounge-access dining
Annual Fee: ₹499
Joining Fee: ₹499
🎁 3 Reward Points per ₹100; 10X on travel and dining
✅ Best for: Federal Bank customers wanting rewards and lounge access
⭐ 3.9/5
See Details Apply Now →
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Axis Bank

Axis Bank Neo Credit Card

Axis Bank
cashback dining shopping
Annual Fee: ₹250
Joining Fee: Free
🎁 10% cashback on Grofers; 10% on Zomato and Swiggy; 1% on others
✅ Best for: Digital-first spenders on grocery delivery and food apps
⭐ 3.9/5
See Details Apply Now →
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Axis Bank

Axis Bank Rewards Credit Card

Axis Bank
dining cashback
Annual Fee: ₹750
Joining Fee: ₹750
🎁 10 EDGE Reward Points per ₹200 on weekend dining
✅ Best for: Dining enthusiasts who eat out on weekends regularly
⭐ 3.9/5
See Details Apply Now →
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SBI SimplySAVE

SBI SimplySAVE Advantage Credit Card

SBI Card
lifetime-free dining movie ♾️ Lifetime Free
Annual Fee: Free
Joining Fee: Free
🎁 1 Reward Point per ₹100 on all spends; 10X on dining, movies
✅ Best for: Entry-level users wanting basic rewards with zero annual fee
⭐ 3.8/5
See Details Apply Now →
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Kotak League

Kotak League Platinum Credit Card

Kotak Mahindra Bank
dining movie cashback
Annual Fee: ₹499
Joining Fee: ₹499
🎁 4X Rewards on dining, travel, entertainment every weekend
✅ Best for: Weekend warriors who dine and entertain regularly
⭐ 3.8/5
See Details Apply Now →
FAQs

Common Questions about Dining Cards

What is the best Dining credit card in India for 2026? ＋
The best card depends on your spending habits and income. Use our rankings above — they're updated monthly based on actual reward rates, fees, and benefits.
Are the rankings paid or sponsored? ＋
No. We never accept payment to rank a card higher. Rankings are based on objective criteria: reward rate, fee value, benefits, and real-world usability.
How do I apply for a Dining credit card? ＋
Click "Apply Now" on any card — it takes you directly to the bank's official application page. You'll need PAN card, income proof and address proof ready.
What credit score do I need? ＋
Most credit cards require a CIBIL score of 700+. Premium cards may need 750+. If you're building credit, start with a secured or lifetime-free card.