Best Overall
Kotak Mahindra Bank PVR Gold
KOTAK
3.5
Rating
The strongest all-round choice for most readers comparing dining cards today.
Annual Fee
₹499
Reward Rate
9999.9%
EntertainmentMoviesDining
51 cards
Updated Mar 15, 2026high confidence
Best Dining Cards in India (April 2026)
Cards for restaurant spending, food delivery, and dining discounts across key merchant partners.
restaurantswiggyzomatofood deliverydining offers
51
Compared Cards
2
Free Options
₹3,011
Average Annual Fee
Merchant fit matters more than headline rate
Online food delivery and offline dining separated
Great category for frequent urban spend
TL;DR
Quick Picks for Dining Cards
These picks are designed to answer the most common category decisions first, before you read the full comparison.
Best for Heavy Spenders
Kotak Mahindra Bank PVR Gold
KOTAK
3.5
Rating
Best suited to users who can justify a fee and consistently earn through high monthly spend.
Annual Fee
₹499
Reward Rate
9999.9%
EntertainmentMoviesDining
Best Free Option
Fibe Axis Bank Credit Card
AXIS
4.2
Rating
The most defensible no-fee pick if you want category value without renewal cost.
Annual Fee
Free
Reward Rate
100%
CashbackUPIDining
Expert Insights
Merchant alignment decides value
Dining cards look far better when their strongest offers line up with your regular delivery and restaurant choices.
Specialists need volume
Niche dining cards are rarely worth paying for unless the category is a meaningful part of your monthly spend.
Comparison Table
Compare Fees, Reward Rates, and Ratings
Compare Dining Cards
Sort by fee, rewards, best-fit tags, or editor rating.
Sorted by rating (high to low)
Tata Star SBI Card
SBI
7.5/10
Annual Fee
₹499
Reward Rate
100%
Best For
Shopping, Groceries
Network
Visa
Axis Bank Platinum Credit Card
AXIS
6.5/10
Annual Fee
₹500
Reward Rate
20%
Best For
Rewards, Movies
Network
Visa
Axis Bank Pride Platinum Credit Card
AXIS
6.5/10
Annual Fee
₹250
Reward Rate
20%
Best For
Rewards, Dining
Network
Visa
City Union Bank SimplySAVE SBI Card
CUB
6.5/10
Annual Fee
₹499
Reward Rate
25%
Best For
Shopping, Dining
Network
Visa
ICICI Bank HPCL Platinum Credit Card
ICICI
6.5/10
Annual Fee
₹199
Reward Rate
25%
Best For
Fuel, Lifestyle
Network
Visa
Kotak Mahindra Bank Feast Gold
KOTAK
6.5/10
Annual Fee
₹499
Reward Rate
100%
Best For
Dining, Movies
Network
Visa
Lifestyle Home Centre Max SBI Card
SBI
6.5/10
Annual Fee
₹499
Reward Rate
25%
Best For
shopping, dining
Network
Visa
HDFC Bank - Infinia Metal
HDFC
4.9/10
Annual Fee
₹12,500
Reward Rate
33%
Best For
Travel, Lifestyle
Network
Visa
HDFC Bank Diners Club Black Metal Edition
HDFC
4.8/10
Annual Fee
₹10,000
Reward Rate
30%
Best For
Travel, Lifestyle
Network
Diners Club
Axis Bank Reserve Credit Card
AXIS
4.5/10
Annual Fee
₹50,000
Reward Rate
20%
Best For
Travel, Lifestyle
Network
Visa
BPCL SBI Card Octane
SBI
4.5/10
Annual Fee
₹1,499
Reward Rate
25%
Best For
Fuel, Dining
Network
Visa
ICICI Bank Emeralde Private Credit Card
ICICI
4.5/10
Annual Fee
₹12,499
Reward Rate
100%
Best For
Travel, Lifestyle
Network
Visa
Axis Bank ACE Credit Card
AXIS
4.2/10
Annual Fee
₹499
Reward Rate
100%
Best For
Cashback, Utilities
Network
Visa
Axis Bank Cashback Credit Card
AXIS
4.2/10
Annual Fee
₹1,000
Reward Rate
100%
Best For
Cashback, Shopping
Network
Visa
Axis Bank Miles & More World Select Credit Card
AXIS
4.2/10
Annual Fee
₹4,500
Reward Rate
25%
Best For
Travel, Lounge
Network
Mastercard
Axis Bank Select Credit Card
AXIS
4.2/10
Annual Fee
₹3,000
Reward Rate
20%
Best For
Travel, Lifestyle
Network
Visa
Fibe Axis Bank Credit Card
AXIS
4.2/10
Annual Fee
Free
Reward Rate
100%
Best For
Cashback, UPI
Network
RuPay
HDFC Bank Diners Club Privilege
HDFC
4.2/10
Annual Fee
₹1,000
Reward Rate
20%
Best For
Travel, Dining
Network
Diners Club
HDFC Bank Harley-Davidson Diners Club Credit Card
HDFC
4.2/10
Annual Fee
₹2,500
Reward Rate
20%
Best For
Lifestyle, Travel
Network
Diners Club
HDFC Bank Millennia Credit Card
HDFC
4.2/10
Annual Fee
₹1,000
Reward Rate
100%
Best For
Cashback, Shopping
Network
Visa
IRCTC SBI Card Premier
SBI
4.2/10
Annual Fee
₹1,499
Reward Rate
100%
Best For
Travel, Railway
Network
Visa
Shaurya Select SBI Card
SBI
4.2/10
Annual Fee
₹1,499
Reward Rate
25%
Best For
Rewards, Defense
Network
RuPay
Swiggy HDFC Bank Credit Card
HDFC
4.2/10
Annual Fee
₹500
Reward Rate
100%
Best For
Cashback, Dining
Network
Mastercard
Airtel Axis Bank Credit Card
AXIS
4.0/10
Annual Fee
₹500
Reward Rate
100%
Best For
Cashback, Utility
Network
Visa
Axis Bank Horizon Credit Card
AXIS
4.0/10
Annual Fee
₹3,000
Reward Rate
100%
Best For
Travel, Dining
Network
Visa
ICICI Bank - Times Black ICICI Bank Credit Card
ICICI
4.0/10
Annual Fee
₹20,000
Reward Rate
40%
Best For
Travel, Lifestyle
Network
Visa
IndianOil Axis Bank Premium Credit Card
AXIS
4.0/10
Annual Fee
₹1,000
Reward Rate
20%
Best For
Fuel, Travel
Network
Visa
Axis Bank My Zone Credit Card
AXIS
3.8/10
Annual Fee
₹500
Reward Rate
20%
Best For
Entertainment, Dining
Network
Visa
Axis Bank Rewards Credit Card
AXIS
3.8/10
Annual Fee
₹1,000
Reward Rate
20%
Best For
Rewards, Shopping
Network
Visa
SpiceJet Axis Bank Voyage Black Credit Card
AXIS
3.8/10
Annual Fee
₹2,000
Reward Rate
50%
Best For
Travel, Rewards
Network
Visa
Axis Bank Indian Oil Credit Card
AXIS
3.5/10
Annual Fee
₹500
Reward Rate
20%
Best For
Fuel, Shopping
Network
RuPay
Axis Bank Neo Credit Card
AXIS
3.5/10
Annual Fee
₹250
Reward Rate
20%
Best For
Shopping, Dining
Network
Visa
Axis Bank Pride Signature Credit Card
AXIS
3.5/10
Annual Fee
₹500
Reward Rate
20%
Best For
Rewards, Travel
Network
Visa
Axis Bank Privilege Credit Card
AXIS
3.5/10
Annual Fee
₹1,500
Reward Rate
20%
Best For
Travel, Dining
Network
Visa
Axis Bank Vistara Credit Card
AXIS
3.5/10
Annual Fee
₹1,500
Reward Rate
80%
Best For
Travel, Lifestyle
Network
Visa
BPCL SBI Card
SBI
3.5/10
Annual Fee
₹499
Reward Rate
25%
Best For
Fuel, Grocery
Network
Visa
HDFC Bank Platinum Edge
HDFC
3.5/10
Annual Fee
₹500
Reward Rate
10%
Best For
Cashback, Dining
Network
Visa
HDFC Bank Times Platinum
HDFC
3.5/10
Annual Fee
₹1,000
Reward Rate
15%
Best For
Entertainment, Dining
Network
Visa
ICICI Bank Manchester United Platinum Credit Card
ICICI
3.5/10
Annual Fee
₹499
Reward Rate
25%
Best For
Sports, Movies
Network
Visa
ICICI Bank Platinum Chip Credit Card
ICICI
3.5/10
Annual Fee
Free
Reward Rate
25%
Best For
Shopping, Dining
Network
Visa
ICICI Bank Unifare Credit Card
ICICI
3.5/10
Annual Fee
₹299
Reward Rate
25%
Best For
Transit, Rewards
Network
Mastercard
Kotak Mahindra Bank - IndianOil Kotak Credit Card
KOTAK
3.5/10
Annual Fee
₹449
Reward Rate
25%
Best For
Fuel, Grocery
Network
RuPay
Kotak Mahindra Bank PVR Gold
Editor's PickKOTAK
3.5/10
Annual Fee
₹499
Reward Rate
9999.9%
Best For
Entertainment, Movies
Network
Visa
Kotak Royale Signature Credit Card
KOTAK
3.5/10
Annual Fee
₹999
Reward Rate
20%
Best For
Travel, Dining
Network
Visa
MAX SBI Card
SBI
3.5/10
Annual Fee
₹499
Reward Rate
25%
Best For
Shopping, Lifestyle
Network
Visa
Paytm HDFC Bank Digital Credit Card
HDFC
3.5/10
Annual Fee
₹149
Reward Rate
100%
Best For
Cashback, Shopping
Network
Visa
SBI Card ELITE
SBI
3.5/10
Annual Fee
₹4,999
Reward Rate
25%
Best For
Travel, Movies
Network
Visa
SBI Card PRIME Advantage
SBI
3.5/10
Annual Fee
₹2,999
Reward Rate
25%
Best For
Rewards, Lifestyle
Network
Visa
SPAR SBI Card
SBI
3.5/10
Annual Fee
₹499
Reward Rate
25%
Best For
Shopping, Grocery
Network
Visa
HDFC Bank Freedom Credit Card
HDFC
3.0/10
Annual Fee
₹500
Reward Rate
15%
Best For
Rewards, Shopping
Network
RuPay
HDFC Bank Times Titanium
HDFC
3.0/10
Annual Fee
₹500
Reward Rate
10%
Best For
Dining, Movies
Network
Visa
| Card | Action | ||||
|---|---|---|---|---|---|
| ₹499 | 100% | ShoppingGroceriesDining | 7.5/10 | ||
| ₹500 | 20% | RewardsMoviesDining | 6.5/10 | ||
| ₹250 | 20% | RewardsDiningDefence | 6.5/10 | ||
| ₹499 | 25% | ShoppingDiningGrocery | 6.5/10 | ||
| ₹199 | 25% | FuelLifestyleDining | 6.5/10 | ||
| ₹499 | 100% | DiningMoviesEntertainment | 6.5/10 | ||
| ₹499 | 25% | shoppingdiningentertainment | 6.5/10 | ||
| ₹12,500 | 33% | TravelLifestyleRewards | 4.9/10 | ||
| ₹10,000 | 30% | TravelLifestyleDining | 4.8/10 | ||
| ₹50,000 | 20% | TravelLifestyleGolf | 4.5/10 | ||
| ₹1,499 | 25% | FuelDiningGroceries | 4.5/10 | ||
| ₹12,499 | 100% | TravelLifestyleRewards | 4.5/10 | ||
| ₹499 | 100% | CashbackUtilitiesDining | 4.2/10 | ||
| ₹1,000 | 100% | CashbackShoppingDining | 4.2/10 | ||
| ₹4,500 | 25% | TravelLoungeDining | 4.2/10 | ||
| ₹3,000 | 20% | TravelLifestyleDining | 4.2/10 | ||
| Free | 100% | CashbackUPIDining | 4.2/10 | ||
| ₹1,000 | 20% | TravelDiningEntertainment | 4.2/10 | ||
| ₹2,500 | 20% | LifestyleTravelDining | 4.2/10 | ||
| ₹1,000 | 100% | CashbackShoppingDining | 4.2/10 | ||
| ₹1,499 | 100% | TravelRailwayDining | 4.2/10 | ||
| ₹1,499 | 25% | RewardsDefenseGrocery | 4.2/10 | ||
| ₹500 | 100% | CashbackDiningShopping | 4.2/10 | ||
| ₹500 | 100% | CashbackUtilityDining | 4.0/10 | ||
| ₹3,000 | 100% | TravelDiningLounge | 4.0/10 | ||
| ₹20,000 | 40% | TravelLifestyleDining | 4.0/10 | ||
| ₹1,000 | 20% | FuelTravelDining | 4.0/10 | ||
| ₹500 | 20% | EntertainmentDiningShopping | 3.8/10 | ||
| ₹1,000 | 20% | RewardsShoppingDining | 3.8/10 | ||
| ₹2,000 | 50% | TravelRewardsDining | 3.8/10 | ||
| ₹500 | 20% | FuelShoppingDining | 3.5/10 | ||
| ₹250 | 20% | ShoppingDiningEntertainment | 3.5/10 | ||
| ₹500 | 20% | RewardsTravelDining | 3.5/10 | ||
| ₹1,500 | 20% | TravelDiningMovies | 3.5/10 | ||
| ₹1,500 | 80% | TravelLifestyleDining | 3.5/10 | ||
| ₹499 | 25% | FuelGroceryDining | 3.5/10 | ||
| ₹500 | 10% | CashbackDiningFuel | 3.5/10 | ||
| ₹1,000 | 15% | EntertainmentDiningLifestyle | 3.5/10 | ||
| ₹499 | 25% | SportsMoviesDining | 3.5/10 | ||
| Free | 25% | ShoppingDiningBeginner | 3.5/10 | ||
| ₹299 | 25% | TransitRewardsDining | 3.5/10 | ||
| ₹449 | 25% | FuelGroceryDining | 3.5/10 | ||
Kotak Mahindra Bank PVR GoldEditor's Pick KOTAK | ₹499 | 9999.9% | EntertainmentMoviesDining | 3.5/10 | |
| ₹999 | 20% | TravelDiningRewards | 3.5/10 | ||
SBI | ₹499 | 25% | ShoppingLifestyleDining | 3.5/10 | |
| ₹149 | 100% | CashbackShoppingDining | 3.5/10 | ||
| ₹4,999 | 25% | TravelMoviesDining | 3.5/10 | ||
| ₹2,999 | 25% | RewardsLifestyleTravel | 3.5/10 | ||
| ₹499 | 25% | ShoppingGroceryDining | 3.5/10 | ||
| ₹500 | 15% | RewardsShoppingDining | 3.0/10 | ||
| ₹500 | 10% | DiningMoviesLifestyle | 3.0/10 |
How to Choose
What Matters Most in Dining Cards
Key factors to compare
- Restaurant and food delivery partner coverage
- Reward caps and merchant exclusions
- Usefulness outside dining transactions
What to look for
- High value on your preferred dining platforms
- Easy redemption or discount structure
- Enough general-spend utility to justify keeping the card
Common mistakes
- Picking a card for one delivery app you barely use
- Ignoring spend caps on bonus categories
- Overlooking annual fees on narrow-use dining cards
Expanded Grid
Individual Card Breakdowns
49 paid cards and 2 free cards in this category.
SBI
Tata Star SBI Card
ShoppingGroceriesDining
7.5
Editor Rating
Annual Fee
₹499
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹499
100% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
AXIS
Axis Bank Platinum Credit Card
RewardsMoviesDining
6.5
Editor Rating
Annual Fee
₹500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹500
20% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹500 fee
AXIS
Axis Bank Pride Platinum Credit Card
RewardsDiningDefence
6.5
Editor Rating
Annual Fee
₹250
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹250
20% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹250 fee
CUB
City Union Bank SimplySAVE SBI Card
ShoppingDiningGrocery
6.5
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
ICICI
ICICI Bank HPCL Platinum Credit Card
FuelLifestyleDining
6.5
Editor Rating
Annual Fee
₹199
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹199
25% base reward rate
Good fit for fuel
Watchouts
You need enough yearly value to offset the ₹199 fee
KOTAK
Kotak Mahindra Bank Feast Gold
DiningMoviesEntertainment
6.5
Editor Rating
Annual Fee
₹499
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹499
100% base reward rate
Good fit for dining
Watchouts
You need enough yearly value to offset the ₹499 fee
SBI
Lifestyle Home Centre Max SBI Card
shoppingdiningentertainment
6.5
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
HDFC
HDFC Bank - Infinia Metal
TravelLifestyleRewards
4.9
Editor Rating
Annual Fee
₹12,500
Reward Rate
33%
Network
Visa
Mini Pros
Annual fee of ₹12,500
33% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹12,500 fee
HDFC
HDFC Bank Diners Club Black Metal Edition
TravelLifestyleDining
4.8
Editor Rating
Annual Fee
₹10,000
Reward Rate
30%
Network
Diners Club
Mini Pros
Annual fee of ₹10,000
30% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹10,000 fee
AXIS
Axis Bank Reserve Credit Card
TravelLifestyleGolf
4.5
Editor Rating
Annual Fee
₹50,000
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹50,000
20% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹50,000 fee
SBI
BPCL SBI Card Octane
FuelDiningGroceries
4.5
Editor Rating
Annual Fee
₹1,499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹1,499
25% base reward rate
Good fit for fuel
Watchouts
You need enough yearly value to offset the ₹1,499 fee
ICICI
ICICI Bank Emeralde Private Credit Card
TravelLifestyleRewards
4.5
Editor Rating
Annual Fee
₹12,499
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹12,499
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹12,499 fee
AXIS
Axis Bank ACE Credit Card
CashbackUtilitiesDining
4.2
Editor Rating
Annual Fee
₹499
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹499
100% base reward rate
Good fit for cashback
Watchouts
You need enough yearly value to offset the ₹499 fee
AXIS
Axis Bank Cashback Credit Card
CashbackShoppingDining
4.2
Editor Rating
Annual Fee
₹1,000
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹1,000
100% base reward rate
Good fit for cashback
Watchouts
You need enough yearly value to offset the ₹1,000 fee
AXIS
Axis Bank Miles & More World Select Credit Card
TravelLoungeDining
4.2
Editor Rating
Annual Fee
₹4,500
Reward Rate
25%
Network
Mastercard
Mini Pros
Annual fee of ₹4,500
25% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹4,500 fee
AXIS
Axis Bank Select Credit Card
TravelLifestyleDining
4.2
Editor Rating
Annual Fee
₹3,000
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹3,000
20% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹3,000 fee
AXIS
Fibe Axis Bank Credit Card
CashbackUPIDining
4.2
Editor Rating
Annual Fee
Free
Reward Rate
100%
Network
RuPay
Mini Pros
No annual fee to recover
100% base reward rate
Good fit for cashback
Watchouts
Benefits may be lighter than premium alternatives
HDFC
HDFC Bank Diners Club Privilege
TravelDiningEntertainment
4.2
Editor Rating
Annual Fee
₹1,000
Reward Rate
20%
Network
Diners Club
Mini Pros
Annual fee of ₹1,000
20% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹1,000 fee
HDFC
HDFC Bank Harley-Davidson Diners Club Credit Card
LifestyleTravelDining
4.2
Editor Rating
Annual Fee
₹2,500
Reward Rate
20%
Network
Diners Club
Mini Pros
Annual fee of ₹2,500
20% base reward rate
Good fit for lifestyle
Watchouts
You need enough yearly value to offset the ₹2,500 fee
HDFC
HDFC Bank Millennia Credit Card
CashbackShoppingDining
4.2
Editor Rating
Annual Fee
₹1,000
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹1,000
100% base reward rate
Good fit for cashback
Watchouts
You need enough yearly value to offset the ₹1,000 fee
SBI
IRCTC SBI Card Premier
TravelRailwayDining
4.2
Editor Rating
Annual Fee
₹1,499
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹1,499
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹1,499 fee
SBI
Shaurya Select SBI Card
RewardsDefenseGrocery
4.2
Editor Rating
Annual Fee
₹1,499
Reward Rate
25%
Network
RuPay
Mini Pros
Annual fee of ₹1,499
25% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹1,499 fee
HDFC
Swiggy HDFC Bank Credit Card
CashbackDiningShopping
4.2
Editor Rating
Annual Fee
₹500
Reward Rate
100%
Network
Mastercard
Mini Pros
Annual fee of ₹500
100% base reward rate
Good fit for cashback
Watchouts
You need enough yearly value to offset the ₹500 fee
AXIS
Airtel Axis Bank Credit Card
CashbackUtilityDining
4.0
Editor Rating
Annual Fee
₹500
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹500
100% base reward rate
Good fit for cashback
Watchouts
You need enough yearly value to offset the ₹500 fee
AXIS
Axis Bank Horizon Credit Card
TravelDiningLounge
4.0
Editor Rating
Annual Fee
₹3,000
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹3,000
100% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹3,000 fee
ICICI
ICICI Bank - Times Black ICICI Bank Credit Card
TravelLifestyleDining
4.0
Editor Rating
Annual Fee
₹20,000
Reward Rate
40%
Network
Visa
Mini Pros
Annual fee of ₹20,000
40% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹20,000 fee
AXIS
IndianOil Axis Bank Premium Credit Card
FuelTravelDining
4.0
Editor Rating
Annual Fee
₹1,000
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹1,000
20% base reward rate
Good fit for fuel
Watchouts
You need enough yearly value to offset the ₹1,000 fee
AXIS
Axis Bank My Zone Credit Card
EntertainmentDiningShopping
3.8
Editor Rating
Annual Fee
₹500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹500
20% base reward rate
Good fit for entertainment
Watchouts
You need enough yearly value to offset the ₹500 fee
AXIS
Axis Bank Rewards Credit Card
RewardsShoppingDining
3.8
Editor Rating
Annual Fee
₹1,000
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹1,000
20% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹1,000 fee
AXIS
SpiceJet Axis Bank Voyage Black Credit Card
TravelRewardsDining
3.8
Editor Rating
Annual Fee
₹2,000
Reward Rate
50%
Network
Visa
Mini Pros
Annual fee of ₹2,000
50% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹2,000 fee
AXIS
Axis Bank Indian Oil Credit Card
FuelShoppingDining
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
20%
Network
RuPay
Mini Pros
Annual fee of ₹500
20% base reward rate
Good fit for fuel
Watchouts
You need enough yearly value to offset the ₹500 fee
AXIS
Axis Bank Neo Credit Card
ShoppingDiningEntertainment
3.5
Editor Rating
Annual Fee
₹250
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹250
20% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹250 fee
AXIS
Axis Bank Pride Signature Credit Card
RewardsTravelDining
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹500
20% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹500 fee
AXIS
Axis Bank Privilege Credit Card
TravelDiningMovies
3.5
Editor Rating
Annual Fee
₹1,500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹1,500
20% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹1,500 fee
AXIS
Axis Bank Vistara Credit Card
TravelLifestyleDining
3.5
Editor Rating
Annual Fee
₹1,500
Reward Rate
80%
Network
Visa
Mini Pros
Annual fee of ₹1,500
80% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹1,500 fee
SBI
BPCL SBI Card
FuelGroceryDining
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for fuel
Watchouts
You need enough yearly value to offset the ₹499 fee
HDFC
HDFC Bank Platinum Edge
CashbackDiningFuel
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
10%
Network
Visa
Mini Pros
Annual fee of ₹500
10% base reward rate
Good fit for cashback
Watchouts
You need enough yearly value to offset the ₹500 fee
HDFC
HDFC Bank Times Platinum
EntertainmentDiningLifestyle
3.5
Editor Rating
Annual Fee
₹1,000
Reward Rate
15%
Network
Visa
Mini Pros
Annual fee of ₹1,000
15% base reward rate
Good fit for entertainment
Watchouts
You need enough yearly value to offset the ₹1,000 fee
ICICI
ICICI Bank Manchester United Platinum Credit Card
SportsMoviesDining
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for sports
Watchouts
You need enough yearly value to offset the ₹499 fee
ICICI
ICICI Bank Platinum Chip Credit Card
ShoppingDiningBeginner
3.5
Editor Rating
Annual Fee
Free
Reward Rate
25%
Network
Visa
Mini Pros
No annual fee to recover
25% base reward rate
Good fit for shopping
Watchouts
Benefits may be lighter than premium alternatives
ICICI
ICICI Bank Unifare Credit Card
TransitRewardsDining
3.5
Editor Rating
Annual Fee
₹299
Reward Rate
25%
Network
Mastercard
Mini Pros
Annual fee of ₹299
25% base reward rate
Good fit for transit
Watchouts
You need enough yearly value to offset the ₹299 fee
KOTAK
Kotak Mahindra Bank - IndianOil Kotak Credit Card
FuelGroceryDining
3.5
Editor Rating
Annual Fee
₹449
Reward Rate
25%
Network
RuPay
Mini Pros
Annual fee of ₹449
25% base reward rate
Good fit for fuel
Watchouts
You need enough yearly value to offset the ₹449 fee
KOTAK
Kotak Mahindra Bank PVR Gold
EntertainmentMoviesDining
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
9999.9%
Network
Visa
Mini Pros
Annual fee of ₹499
9999.9% base reward rate
Good fit for entertainment
Watchouts
You need enough yearly value to offset the ₹499 fee
KOTAK
Kotak Royale Signature Credit Card
TravelDiningRewards
3.5
Editor Rating
Annual Fee
₹999
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹999
20% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹999 fee
SBI
MAX SBI Card
ShoppingLifestyleDining
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
HDFC
Paytm HDFC Bank Digital Credit Card
CashbackShoppingDining
3.5
Editor Rating
Annual Fee
₹149
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹149
100% base reward rate
Good fit for cashback
Watchouts
You need enough yearly value to offset the ₹149 fee
SBI
SBI Card ELITE
TravelMoviesDining
3.5
Editor Rating
Annual Fee
₹4,999
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹4,999
25% base reward rate
Good fit for travel
Watchouts
You need enough yearly value to offset the ₹4,999 fee
SBI
SBI Card PRIME Advantage
RewardsLifestyleTravel
3.5
Editor Rating
Annual Fee
₹2,999
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹2,999
25% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹2,999 fee
SBI
SPAR SBI Card
ShoppingGroceryDining
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for shopping
Watchouts
You need enough yearly value to offset the ₹499 fee
HDFC
HDFC Bank Freedom Credit Card
RewardsShoppingDining
3.0
Editor Rating
Annual Fee
₹500
Reward Rate
15%
Network
RuPay
Mini Pros
Annual fee of ₹500
15% base reward rate
Good fit for rewards
Watchouts
You need enough yearly value to offset the ₹500 fee
HDFC
HDFC Bank Times Titanium
DiningMoviesLifestyle
3.0
Editor Rating
Annual Fee
₹500
Reward Rate
10%
Network
Visa
Mini Pros
Annual fee of ₹500
10% base reward rate
Good fit for dining
Watchouts
You need enough yearly value to offset the ₹500 fee
FAQ
Common Questions About Dining Cards
Does 'Dining' include food delivery apps like Zomato and Swiggy?
Generally, yes. Most banks categorize Zomato and Swiggy under the 'Dining' or 'Entertainment' MCC (Merchant Category Code). However, co-branded cards like the Swiggy HDFC card offer much higher rates specifically for their own platform.
What is the EazyDiner Prime membership benefit?
Many dining cards, such as the IndusInd EazyDiner and certain ICICI cards, provide a complimentary EazyDiner Prime membership. This grants access to exclusive discounts (25% to 50%) and 1+1 deals on drinks at over 2,000 premium restaurants.