Best Credit Cards for Dining

Restaurant bills and food delivery. A dining card earns more on these than its base rate, sometimes through a dining programme. Ranked by what each card pays back on ₹5,000 a month, never by what a bank pays us.

10Cards ranked
10%Top rate

1
HSBC Live Plus Credit Card
10% on dining at Swiggy, Zomato, restaurant dining, up to ₹1,200 a month
On ₹5,000 a month
₹500 back
A year
₹6,000
Annual fee
₹1,179 incl. GST
Apply Worth it for me?
2
HSBC RuPay Cashback Credit Card
10% on dining at Swiggy, Zomato, restaurant dining, up to ₹400 a month
On ₹5,000 a month
₹400 back (capped)
A year
₹4,800
Annual fee
₹589 incl. GST
Apply Worth it for me?
3
Axis Bank Burgundy Private Credit Card
6% on dining (the card's base rate)
On ₹5,000 a month
₹300 back
A year
₹3,600
Annual fee
₹1,18,000 incl. GST
Apply Worth it for me?
4
Kotak Cashback+ Prime Credit Card
5% on dining, up to ₹750 a month
On ₹5,000 a month
₹250 back
A year
₹3,000
Annual fee
₹885 incl. GST
Apply Worth it for me?
5
Axis Bank Primus Credit Card
5% on dining (the card's base rate)
On ₹5,000 a month
₹250 back
A year
₹3,000
Annual fee
₹3,54,000 incl. GST
Apply Worth it for me?
6
HDFC Diners Club Black Metal Edition
4.33% on dining
On ₹5,000 a month
₹217 back
A year
₹2,604
Annual fee
₹11,800 incl. GST
Apply Worth it for me?
7
Axis Bank Atlas Credit Card
4% on dining (the card's base rate)
On ₹5,000 a month
₹200 back
A year
₹2,400
Annual fee
₹5,900 incl. GST
Apply Worth it for me?
8
Axis Bank Olympus Credit Card
4% on dining (the card's base rate)
On ₹5,000 a month
₹200 back
A year
₹2,400
Annual fee
₹23,600 incl. GST
Apply Worth it for me?
9
AU Bank Xcite Credit Card
3.75% on dining
On ₹5,000 a month
₹188 back
A year
₹2,256
Annual fee
₹294 incl. GST
Apply Worth it for me?
10
Bank of Baroda Eterna Credit Card
3.75% on dining, up to ₹1,250 a month
On ₹5,000 a month
₹188 back
A year
₹2,256
Annual fee
₹2,949 incl. GST
Apply Worth it for me?

Not ranked, because their terms state no rate on dining: AU Zaggle Credit Card, DCB Novio Credit Card, Equitas Bank PowerMiles Credit Card, Equitas Bank Selfe Credit Card, Equitas Bank Tiga Credit Card, HDFC BizBlack Credit Card, HDFC BizFirst Credit Card, HDFC BizGrow Credit Card, HDFC BizPower Credit Card, IOB ZET Credit Card, Kredit.Pe Yes Bank LTF UPI Credit Card, LIC Axis Bank Platinum Credit Card and 1 more. 2 more cards earn nothing here.

Worked out from each card's published reward rate and monthly cap. Your spending elsewhere and the fee also matter: use Is this card worth its fee? for your own numbers.

Common Questions

Which is the best credit card for dining?

On our data, HSBC Live Plus Credit Card pays the most: 10% at Swiggy, Zomato, restaurant dining, about ₹6,000 a year on ₹5,000 a month. The best card for you also depends on your other spending and the fee.

How are these cards ranked?

By what each card pays back on ₹5,000 a month in this category or at this brand, from the bank's published rate and monthly cap. A rate the bank limits to named merchants or its own portal is shown as a note, not ranked, on a category page. A card whose terms state no rate here is not ranked at all. Cards that pay the same are ordered by the lower annual fee. What a bank pays SkyloFin is never part of the ranking.

Are the rates guaranteed?

No. Banks change rates and caps; each card's page shows its recent changes and its source. Check the bank's terms before you apply.

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