GUIDESCREDIT CARDS
Best Credit Cards for Dining in India (2026 Edition)
4 MIN • 
LAST EDITED BY ANKANA GHOSHAL ON DECEMBER 24, 2025.
LAST EDITED BY ANKANA GHOSHAL ON DECEMBER 24, 2025.
GUIDES LAST EDITED BY ANKANA GHOSHAL ON DECEMBER 24, 2025.
Dining out is no longer just a weekend plan. It’s a lifestyle. And in 2026, the easiest way to elevate that lifestyle without burning a hole in your pocket is to choose a dining credit card that matches how you eat today, whether that’s weekend restaurant hopping, late-night deliveries, or café workdays.
From instant discounts to exclusive cashback, the best credit cards in India come with perks designed for both the traveller and foodie in you, including accelerated rewards on dining and delivery, partner memberships, and curated restaurant programs that make every meal feel like a win.
So if you're looking to apply for a credit card with instant approval, track your credit card application status, or find a lifetime free credit card, this guide helps you pick the right one. Before exploring the top credit cards in India, let’s understand what a dining credit card is.
A dining credit card offers rewards to customers for spending at eateries, coffee shops, bars, food delivery services, and occasionally even foreign restaurants. These cards provide special partner benefits, reward points, or accelerated cashback.
Key Benefits of Dining Credit Cards:
Here’s a curated list of the top 10 credit cards for dining. This tentative list is primarily tailored based on rewards, annual fees, and food-focused perks.
| Credit Cards | Joining/ Annual Fees |
| HDFC Diners Club Privilege Credit Card | ₹2,500 |
| MagniFi Co-branded Credit Card | Lifetime Free |
| SBI Card Prime Credit Card | ₹2,999 |
| Kotak Delight Platinum Credit Card | ₹1,999 |
| American Express Platinum Travel Credit Card | ₹3,500 |
| Swiggy HDFC Bank Credit Card | ₹500 |
| EazyDiner IndusInd Bank Credit Card | ₹1,999 |
| Axis Bank My Zone Credit Card | ₹500 |
| Standard Chartered Ultimate Credit Card | ₹5000 |
| Airtel Axis Bank Credit Card | ₹500 |
Joining/Annual Fee: ₹2,500
If you’re someone who enjoys fine dining and frequent travel, the HDFC Diners Club Privilege Credit Card strikes the perfect balance.
Joining/ Annual Fee: Lifetime Free Credit Card
Weekends are when you step out more–trying new restaurants, catching up with friends over coffee, or ordering in your favourite meals. With the MagniFi Co-branded Credit Card, all of that earns you a solid 5% back every weekend.
And it doesn’t stop at dining. Movies, shopping, grocery runs, even travel plans, everything you do over the weekend gets you 5% back, making them as rewarding as they are fun.
This card is hence designed to help you save where it counts most, with special offers and unbeatable reward points that add to your weekend fun.
What’s more? You save 1400/- per month using this lifetime free credit card.
Key Features:
💡 100 Fi-Points = ₹25 in value. You earn while you spend.
Joining/Annual Fee: ₹2,999
A popular choice among mid-segment users, the SBI Card Prime offers impressive value across dining and everyday spends.
Annual Fee: ₹1,999
A well-rounded lifestyle credit card, the Kotak Delight Platinum Credit Card caters to your dining, travel, and entertainment needs.
Annual Fee: ₹3,500
Primarily designed for frequent travellers, the American Express Platinum Travel Credit Card also delivers dining and lifestyle perks well.
Joining Fee: ₹500
Specifically designed for foodies and everyday spenders, the Swiggy HDFC Bank Credit Card offers great value at a low cost.
Joining Fee: ₹1,999
Designed for frequent diners, this card comes with 2,000 bonus EazyPoints upon signup and a free ₹2,495 EazyDiner Prime membership.
Joining Fee: ₹500
An excellent budget-friendly option for food and entertainment lovers, the Axis Bank My Zone Credit Card packs solid value. Also, it’s perfect for young users who want everyday savings on dining and entertainment without the premium price tag, primarily because of the low joining fees and practical benefits.
Annual Fee: ₹5,000
Whether you're dining, shopping, or travelling, this card offers outstanding value on every transaction and is renowned for having one of the highest reward point programs among credit cards. A premium offering packed with lifestyle perks, the Standard Chartered Ultimate Credit Card is ideal for high-spending diners and travellers.
Joining Fee: ₹500
The Airtel Axis Bank Credit Card is a fantastic value card for everyday expenses and dining, with a low joining fee and a wide range of benefits. For people who wish to enjoy travel benefits without going over budget and save money on regular expenses, this is the perfect credit card.
Depending on your lifestyle and food preferences, here’s how you can choose the best credit card in India for your needs:
Looking to apply for a credit card online? Here’s a quick guide:
Minimum salary for credit card: Usually starts from ₹15,000/month (varies by card)
Documents needed:
Additional Tips
Nowadays, dining is about maximising each meal rather than just indulging. With rewards, discounts, and exclusive benefits, the greatest credit card in India can improve your experience. Whether you're ordering biryani on a Friday night or making reservations for a five-course chef's table, there is a credit card with your name on it. So go ahead, apply for a credit card that matches your taste, and enjoy every bite and swipe.
FAQ
What is a dining credit card?
A credit card that gives extra rewards or cashback on restaurant bills, food delivery apps, or fine-dining experiences.
How to check airport lounge access on credit card?
Check your card's welcome kit, mobile app, or issuer website. You can also call customer service.
Can I get instant approval for a dining credit card?
Yes. Some banks offer instant credit card approval with digital onboarding.
Which dining cards offer free airport lounge access?
Cards like HDFC Diners Club Privilege and Axis My Zone offer airport lounge access.
Is it better to go for a cashback or reward-point card for dining?
It depends on your preference. Cashback offers direct savings, while reward points can be redeemed for air miles, vouchers, and more.
