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)
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Top Choice
HDFC BANK LTD
Swiggy HDFC Bank Credit Card
Excellent
Expert Score5.0
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 LTD
IndusInd Bank Indulge Credit Card
Excellent
Expert Score5.0
Joining Fee
₹45,000
Annual Fee
₹10,000
- 1.5% reward rate
- Unlimited golf rounds
- Premium dining benefits
INDUSIND BANK LTD
IndusInd Bank PIONEER Private Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹25,000
- 0.7 Reward Points/₹100 on select categories
- Zero Forex fees
- No cash advance charges
INDUSIND BANK LTD
EazyDiner IndusInd Bank Credit Card
Excellent
Expert Score5.0
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 LTD
Axis Bank SELECT Credit Card
Excellent
Expert Score5.0
Joining Fee
₹3,000
Annual Fee
₹3,000
- 10000 EDGE Reward Points.
- 2X EDGE Reward Points on retail.
- 12 lounge access.
AMERICAN EXPRESS BANKING CORPORATION
American Express Platinum Charge Card
Excellent
Expert Score5.0
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 BANKING CORPORATION
American Express Platinum Reserve Credit Card
Excellent
Expert Score5.0
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 BANKING CORPORATION
American Express Gold Charge Card
Excellent
Expert Score5.0
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 BANKING CORPORATION
American Express Membership Rewards Credit Card
Excellent
Expert Score5.0
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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