Best Credit Cards in India for Dining Spends

Cobranded Credit Cards

EazyDiner also offers two cobranded credit cards with IndusInd Bank and I have extensively reviewed them before. Both the cards are highly recommended for frequent diners.

Photo Credit: Easy Diner

Indusind EazyDiner Signature

• Reward rate on Dining: 25% off up to ₹1000 + 2% Reward Rate
• Joining Fee: ₹1999+GST
• Annual Fee: ₹1999+GST
• Apply For This Credit Card:

Indusind EazyDiner Platinum

• Reward rate on Dining: 20% off up to ₹1000 + 0.4% Reward Rate
• Joining Fee:LTF
• Annual Fee:LTF
• Apply For This Credit Card:

Other than the above offers there are more than 10 banks which provide instant discounts if you pay via the PayEazy feature of EazyDiner. Since the partnerships are mostly dynamic hence I am not listing them all here but do check them out!

Photo Credit: Swiggy dineout

Swiggy Dineout is another dining-out platform and has been a longtime partner with HDFC Bank for providing discounts when booking a table and eating out. Here I am listing some top cards if you use the app regularly.

HDFC Infinia

• Reward rate on Dining: 15% off up to ₹1000 per month
• Joining Fee: ₹10,000 + GST
• Annual Fee: ₹10,000 + GST (Waived off on ₹10L Spends in a Year)
• Apply For This Credit Card:

HDFC Swiggy

This a newly launched co-branded card for Swiggy from HDFC Bank and is gaining popularity among card users.

Photo Credit: Swiggy HDFC Credit Card

• Reward rate on Dining: 10% Cashback up to ₹1500 per month
• Joining Fee: ₹500 + GST
• Annual Fee: ₹500 + GST(Waived off on ₹2L Spends in a Year)
• Apply For This Credit Card:

HDFC Diners Club Black/ Diners Club Black Metal Edition

• Reward rate on Dining: 10% off up to ₹500 per month
• Joining Fee: ₹10,000 + GST
• Annual Fee: ₹10,000 + GST (Waived off on ₹8L Spends in a Year)
• Apply For This Credit Card:

Zomato Dining

Photo Credit: Zomato Dining

Zomato Dining has no dedicated partnership when it comes to banking partners. You can either try to use any of the ongoing offers or pay using Zomato Vouchers bought using any of the multiplier portals.

Best Credit Cards for Online Food Delivery

For online food delivery, one can easily take advantage of certain cards which offer exceptional reward rates on online spending other than the cards which offer good reward rates on dining spending.

Chain Restaurant Apps

HSBC Cashback

• Reward rate on Food Delivery: 10% up to ₹1000
• Joining Fee: ₹999+GST
• Annual Fee: ₹999+GST (Waived off on ₹2L Spends in a Year)
• Apply For This Credit Card:

SBI Cashback

Photo Credit: SBI Cashback

• Reward rate on Online Food Delivery: 5% up to ₹5,000 per month
• Joining Fee: ₹999+GST
• Annual Fee: ₹999+GST (Waived off on ₹2L Spends in a Year)
• Apply For This Credit Card:

 

AU Zenith

• Reward rate on Dining: 4% reward rate
• Joining Fee: ₹7999+GST
• Annual Fee: ₹7999+GST(Waived off on ₹5L Spends in a Year)
• Apply For This Credit Card:

Yes Marquee

Photo Credit: Yes Bank Marquee Credit Card

• Reward rate on Online Food Delivery: 4.5% up to ₹1000
• Joining Fee: ₹9,999+GST
• Annual Fee: ₹4,999+GST (Waived off on ₹2L Spends in a Year)
• Apply For This Credit Card:

Zomato

Axis Neo

Photo Credit: Axis Neo Credit Card

Axis Airtel

• Reward rate on Dining: 10% cashback capped at Rs. 500 per statement.
• Joining Fee: ₹500+GST
• Annual Fee: ₹500+GST(Waived off on ₹2L Spends in a Year)
• Apply For This Credit Card:

Standard Chartered Digismart

Photo Credit: Standard Chartered DigiSmart

• Reward rate on Dining: 10% discount on Zomato orders with no minimum spend. (5 transactions per month with a maximum discount of ₹150 per transaction)
• Joining Fee: NIL
• Monthly Fee: ₹49+GST (Waived off on ₹5000 Spends in a month)
• Apply For This Credit Card:

IDFC First SWYP

Photo Credit: IDFC First Swap Credit Card

• Full Review
• Reward rate on Dining: 10% off up to ₹100 on orders above ₹299 twice a month
• Joining Fee: ₹499+GST
• Annual Fee: ₹499+GST
• Apply For This Credit Card:

Axis Ace

Photo Credit: Axis Ace Credit Card

• Reward rate on Dining: 4% cashback capped at Rs. 500 per statement.
• Joining Fee: ₹499+GST
• Annual Fee: ₹499+GST(Waived off on ₹2L Spends in a Year)
• Apply For This Credit Card:

 

Swiggy

Axis Select

Photo Credit: Axis Select Credit Card

• Reward rate on Dining: ₹200 off on a minimum order of ₹500 twice a month
• Joining Fee: ₹3,000+GST (LTF for Burgundy Customers)
• Annual Fee: ₹3,000+GST (LTF for Burgundy Customers or Waived off on ₹6L Spends in a Year)
• Apply For This Credit Card:

Axis Rewards

Photo Credit: Axis Bank Rewards Credit Card

• Reward rate on Dining: 30% off up to ₹150 on a minimum order of ₹500 twice a month
• Joining Fee: ₹1,000+GST
• Annual Fee: ₹1,000+GST (Waived off on ₹2L Spends in a Year)
• Apply For This Credit Card:

Axis My Zone

Photo Credit: Axis Bank MyZone Credit Card

• Reward rate on Dining: ₹120 off on a minimum order of ₹500 twice a month
• Joining Fee: ₹500+GST (Generally issued LTF)
• Annual Fee: ₹500+GST (Generally issued LTF)
• Apply For This Credit Card:

HDFC Swiggy

• Reward rate on Food Ordering: 10% cashback up to ₹1500 per month
• Joining Fee: ₹500+GST
• Annual Fee: ₹500+GST(Waived off on ₹2L Spends in a Year)
• Apply For This Credit Card:

 

Other than the above-listed cards you can also bet on Axis Airtel/HSBC Cashback for 10% cashback, HDFC Millennia for 5%, Axis Ace for 4%, and Axis Flipkart for 4% reward rate even for Zomato and Swiggy.

But if you are into Hotel Loyalty and Airmiles games then buying Swiggy and Zomato vouchers from HDFC SmartBuy, AMEX Reward Multiplier and Axis Gift Edge type platforms would give you much better returns especially if you hold cards like Amex Gold Charge, AMEX Platinum Charge, HDFC Infinia, HDFC Diners Club Black, Axis Reserve, Axis Magnus etc.

Which of these credit cards do you use regularly for your dining spends? Do let us know in the comments below.