Dining Credit Cards

Updated On:
October 28, 2026
Published by:
Amit B

Dining credit cards are designed for users who frequently spend on restaurants, cafes, food delivery apps, luxury dining experiences, and entertainment-related food purchases. These credit cards help users save money through dining discounts, cashback offers, reward points, Buy One Get One offers, accelerated dining rewards, and exclusive restaurant partnerships.

Many of the best dining credit cards in India also provide additional benefits such as airport lounge access, movie offers, travel rewards, online food delivery discounts, concierge services, and premium lifestyle privileges. Whether you regularly dine at restaurants, order food online through Swiggy and Zomato, visit premium cafes, or enjoy luxury dining experiences, the right dining credit card can help maximize savings and improve overall reward earnings on food-related spending.

Choosing the best dining credit card depends on factors such as dining discounts, cashback percentage, reward structure, annual fee, partner restaurant offers, online food delivery benefits, and additional lifestyle features. This page helps you compare the best dining credit cards in India based on your food spending habits and lifestyle preferences.

Top Dining Credit Cards in India

ICICI Bank Emeralde Private Metal Credit Card
(4.8/5)

ICICI Bank Emeralde Private Metal Credit Card

Super Premium Credit Cards Best For : Airport Lounges - Domestic
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 14749
Renewal fee + GST ₹ 14749
Base Reward Rate 3%
Accelerated Reward Rate 36%
Full Details
Axis Bank Neo Credit Card
(2.6/5)

Axis Bank Neo Credit Card

Entry Level Paid Credit Cards Best For : Basic Card
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 295
Renewal fee + GST ₹ 295
Base Reward Rate 0.1%
Accelerated Reward Rate 0.1%
Full Details
Axis Bank My Zone Credit Card
(3.2/5)

Axis Bank My Zone Credit Card

Entry Level Paid Credit Cards Best For : Basic Card
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 590
Renewal fee + GST ₹ 590
Base Reward Rate 0.40%
Accelerated Reward Rate 0.40%
Full Details
HDFC Diner Club Black Credit Card – Metal Edition
(4.5/5)

HDFC Diner Club Black Credit Card – Metal Edition

Super Premium Credit Cards Best For : Airport Lounges - Domestic
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 11800
Renewal fee + GST ₹ 11800
Base Reward Rate 3.33%
Accelerated Reward Rate 33.33%
Full Details
HDFC Diner Club Black Credit Card (Non-metal / Plastic Version)
(4.4/5)

HDFC Diner Club Black Credit Card (Non-metal / Plastic Version)

Super Premium Credit Cards Best For : Airport Lounges - Domestic
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 11800
Renewal fee + GST ₹ 11800
Base Reward Rate 3.33%
Accelerated Reward Rate 33.33%
Full Details
HDFC Infinia Credit Card
(4.6/5)

HDFC Infinia Credit Card

Super Premium Credit Cards Best For : Airport Lounges - Domestic
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 14750
Renewal fee + GST ₹ 14750
Base Reward Rate 3.33%
Accelerated Reward Rate 33.33%
Full Details
HDFC Bank Swiggy Credit Card
(4.2/5)

HDFC Bank Swiggy Credit Card

Entry Level Paid Credit Cards Best For : Dining
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 590
Renewal fee + GST ₹ 590
Base Reward Rate 1%
Accelerated Reward Rate 10%
Full Details
Jupiter Edge CSB Bank RuPay Credit Card
(3.6/5)

Jupiter Edge CSB Bank RuPay Credit Card

Lifetime Free Credit Cards Best For : Dining
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST Nil
Renewal fee + GST Nil
Base Reward Rate 0.40%
Accelerated Reward Rate 2%
Full Details
Axis Bank Airtel Credit Card
(4.2/5)

Axis Bank Airtel Credit Card

Entry Level Paid Credit Cards Best For : Dining
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 590
Renewal fee + GST ₹ 590
Base Reward Rate 1%
Accelerated Reward Rate 25%
Full Details
Axis Bank Horizon Credit Card
(4.2/5)

Axis Bank Horizon Credit Card

Premium Credit Cards Best For : Airport Lounges - Domestic
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 3540
Renewal fee + GST ₹ 3540
Base Reward Rate 2%
Accelerated Reward Rate 5%
Full Details
HDFC Regalia Gold Credit Card
(3.8/5)

HDFC Regalia Gold Credit Card

Premium Credit Cards Best For : Airport Lounges - Domestic
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 2950
Renewal fee + GST ₹ 2950
Base Reward Rate 1.33%
Accelerated Reward Rate 13.33%
Full Details
Axis Bank Olympus Credit Card
(4.4/5)

Axis Bank Olympus Credit Card

Super Premium Credit Cards Best For : Airport Lounges - Domestic
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 23600
Renewal fee + GST ₹ 23600
Base Reward Rate 4%
Accelerated Reward Rate 10%
Full Details
HSBC Premier Credit Card
(4.4/5)

HSBC Premier Credit Card

Super Premium Credit Cards Best For : Airport Lounges - Domestic
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 14160
Renewal fee + GST ₹ 23600
Base Reward Rate 3%
Accelerated Reward Rate 36%
Full Details
Axis Bank Ace Credit Card
(3.8/5)

Axis Bank Ace Credit Card

Entry Level Paid Credit Cards Best For : Dining
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee + GST ₹ 589
Renewal fee + GST ₹ 589
Base Reward Rate 1.5%
Accelerated Reward Rate 5%
Full Details

FAQs

Which are the best dining credit cards in India?
The best dining credit cards depend on your spending habits, preferred restaurants, food delivery platforms, and whether you prefer cashback, reward points, or dining discounts.
Yes, many dining credit cards provide exclusive restaurant discounts, cashback offers, Buy One Get One deals, and accelerated reward points on dining transactions.
Dining credit cards can provide excellent value for users who frequently spend on restaurants, cafes, luxury dining, and online food delivery platforms.
Several cashback and rewards credit cards offer strong benefits on Swiggy, Zomato, restaurants, cafes, and food delivery-related spending categories.