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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.

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HDFC Millennia

HDFC Millennia Credit Card

HDFC Bank
Cashback Shopping Dining
Annual Fee: β‚Ή1,000/yr
Joining Fee: β‚Ή1,000
🎁 5% cashback on Amazon, Flipkart, Myntra, Swiggy
βœ… Best for: Online shoppers spending β‚Ή40k+/month on top platforms
⭐ 4.6/5
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Axis Ace

Axis Ace Credit Card

Axis Bank
Cashback Dining Lifestyle Fuel
Annual Fee: β‚Ή499/yr
Joining Fee: β‚Ή499
🎁 5% cashback on GPay bill payments; 4% on Swiggy/Zomato/Ola
βœ… Best for: Urban professionals paying rent, bills and dining via apps
⭐ 4.6/5
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SBI Card

SBI Card Elite

SBI Card
Premium Travel Lounge Access Dining
Annual Fee: β‚Ή4,999/yr
Joining Fee: β‚Ή4,999
🎁 5 Reward Points per β‚Ή100; 10X on dining and groceries
βœ… Best for: Premium cardholders wanting lounge access with a trusted brand
⭐ 4.5/5
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Amex Membership

Amex Membership Rewards Card

American Express
Premium Dining Lifestyle Air Miles
Annual Fee: β‚Ή4,500/yr
Joining Fee: β‚Ή4,500
🎁 1 MR Point per β‚Ή50; 1,000 bonus MR on 6 transactions/month
βœ… Best for: Premium card users who value Amex service and dining benefits
⭐ 4.4/5
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HDFC Swiggy

HDFC Swiggy Credit Card

HDFC Bank
Dining Cashback Lifestyle
Annual Fee: β‚Ή500/yr
Joining Fee: β‚Ή500
🎁 10% cashback on Swiggy; 5% on other online spends
βœ… Best for: Swiggy users ordering food 2+ times a week
⭐ 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
βœ… Best for: Zomato users ordering food 3+ times a week
⭐ 4.2/5
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SBI SimplySAVE

SBI SimplySAVE Credit Card

SBI Card
Lifestyle Dining Beginner Movie
Annual Fee: β‚Ή499/yr
Joining Fee: β‚Ή499
🎁 10X Reward Points on dining, movies, departmental stores
βœ… Best for: Beginners spending on dining, groceries and movies
⭐ 4.0/5
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FAQs

Common Questions about Dining Cards

What is the best Dining credit card in India for 2026? οΌ‹
The best card depends on your spending habits and income. Use our rankings above β€” they're updated monthly based on actual reward rates, fees, and benefits.
Are the rankings paid or sponsored? οΌ‹
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? οΌ‹
Click "Apply Now" on any card β€” 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? οΌ‹
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.