Dining cards reward restaurant visits, food delivery apps, and cafe spending. With food delivery growing rapidly, the right card can save significantly on Swiggy and Zomato orders.
Our top pick for dining credit cards is the Kotak IndiGo Ka-ching 6E Rewards XL from Kotak (₹2,500 fee, airport lounge access). Best lifetime-free option: FIRST Wealth Credit Card (IDFC First). Best premium pick: HDFC Diners Club Black Metal Edition (HDFC, ₹10,000 fee). Ranked from 156 Indian credit cards Vyaya tracks, with fees and earn rates re-verified against issuer terms (October 2026).
Kotak · ₹2,500 annual fee · 2% rewards
HSBC · ₹999 annual fee · 1.5% rewards
AU · ₹4,999 annual fee · 1% rewards
HDFC · ₹10,000 annual fee · 1% rewards
HSBC · ₹499 annual fee · 1% rewards
SBI · ₹1,499 annual fee · 0.8% rewards
BoB · ₹2,499 annual fee · 0.75% rewards
BoB · ₹2,499 annual fee · 0.75% rewards
BoB · ₹1,000 annual fee · 0.5% rewards
SBI · ₹2,999 annual fee · 0.5% rewards
SBI · ₹1,499 annual fee · 0.5% rewards
RBL · ₹2,500 annual fee · 0.5% rewards
HDFC · ₹1,000 annual fee · 0.4% rewards
IDFC First · No annual fee · 0.38% rewards
HDFC · ₹500 annual fee · 0.33% rewards