Expert Selection 2026

Best Credit Cards for Dining Credit Cards

Credit cards with accelerated rewards, discounts, and cashback on restaurant spends, food delivery apps like Zomato and Swiggy, and café chains.

Recommended Cards (9)

Top Choice
Swiggy HDFC Bank Credit Card image
HDFC BANK LTD

Swiggy HDFC Bank Credit Card

Excellent

Joining Fee

500

Annual Fee

500

  • 10% cashback on Swiggy application (food ordering, Instamart, Dineout & Genie)
  • 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Tata CLiQ, Uber and Zomato
  • 1% cashback on all other spends (except fuel)
IndusInd Bank Indulge Credit Card image
INDUSIND BANK LTD

IndusInd Bank Indulge Credit Card

Excellent

Joining Fee

45,000

Annual Fee

10,000

  • 1.5% reward rate
  • Unlimited golf rounds
  • Premium dining benefits
IndusInd Bank PIONEER Private Credit Card image
INDUSIND BANK LTD

IndusInd Bank PIONEER Private Credit Card

Excellent

Joining Fee

0

Annual Fee

25,000

  • 0.7 Reward Points/₹100 on select categories
  • Zero Forex fees
  • No cash advance charges
EazyDiner IndusInd Bank Credit Card image
INDUSIND BANK LTD

EazyDiner IndusInd Bank Credit Card

Excellent

Joining Fee

1,999

Annual Fee

1,999

  • Extra 25% up to ₹1,000 OFF on every EazyDiner booking
  • Complimentary premium alcoholic beverage at 200+ restaurants
  • ₹5,000 gift voucher at The Postcard Hotel
Axis Bank SELECT Credit Card image
AXIS BANK LTD

Axis Bank SELECT Credit Card

Excellent

Joining Fee

3,000

Annual Fee

3,000

  • 10000 EDGE Reward Points.
  • 2X EDGE Reward Points on retail.
  • 12 lounge access.
American Express Platinum Charge Card image
AMERICAN EXPRESS BANKING CORPORATION

American Express Platinum Charge Card

Excellent

Joining Fee

60,000

Annual Fee

60,000

  • Welcome gift of gift vouchers worth ₹ 45,000.
  • 1 MR (membership Reward) for every ₹ 40 spent with the card (except fuel, utility, and insurance transactions).
  • Up to 5 Membership Rewards Points for every ₹ 100 spent on fuel.
American Express Platinum Reserve Credit Card image
AMERICAN EXPRESS BANKING CORPORATION

American Express Platinum Reserve Credit Card

Excellent

Joining Fee

10,000

Annual Fee

10,000

  • 11,000 bonus Membership Rewards Points as a welcome gift.
  • 1 Membership Rewards Point for every ₹ 50 spent with the card (except fuel, insurance, utility, EMI conversions).
  • Monthly Flipkart/BookMyShow or other brands vouchers as milestone benefits.
American Express Gold Charge Card image
AMERICAN EXPRESS BANKING CORPORATION

American Express Gold Charge Card

Excellent

Joining Fee

1,000

Annual Fee

4,500

  • 4,000 Bonus Membership Reward Points as a welcome gift.
  • 5,000 Bonus Membership Reward Points after first-year card renewal on the realization of the annual fee.
  • 1,000 Bonus Membership Rewards Points on completing six transactions of ₹ 1,000 or above in a month.
American Express Membership Rewards Credit Card image
AMERICAN EXPRESS BANKING CORPORATION

American Express Membership Rewards Credit Card

Excellent

Joining Fee

1,000

Annual Fee

4,500

  • 4,000 Bonus Membership Reward Points as a welcome benefit.
  • 1 Membership Reward Point per ₹ 50 spent.
  • 2X Membership Rewards on all spends through Rewards Multiplier portal.

Frequently Asked Questions

How do I choose the best credit card for Dining Credit Cards?

Consider your spending habits, preferred reward types (cashback, points, or miles), and whether you're willing to pay an annual fee for premium benefits. The cards listed above offer the best value based on comprehensive analysis.

Are there credit cards for Dining Credit Cards with no annual fee?

Yes, several issuers offer entry-level cards with zero joining and annual fees. However, premium cards with higher fees often provide better reward multipliers and lifestyle benefits that can offset the cost if used frequently.

What credit score is required to get approved?

Generally, a CIBIL score of 750 or above significantly improves your chances of approval for top-tier credit cards. If you're building credit, consider starting with an entry-level or secured credit card.

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