Best Credit Cards for Dining in India (2026)

#2 Compare

Rewards 2% base (4 RP per ₹150); 5X on grocery and dining

• Best sub-₹5K card in India for overall value
• Reward points transferable to Air India, KrisFlyer, InterMiles, Club Vistara
• Complimentary Swiggy One membership (3 months)

Apply via issuer website

#3 Compare

Rewards 12 EDGE Reward Points per ₹200 on travel (EDGE Travel portal); 6 EDGE RP/₹200 on dining; 3 EDGE RP/₹200 base

• EDGE Reward Points transfer to 15+ partners (Air India, British Airways Avios, Singapore Airlines, Marriott Bonvoy, Accor)
• Monthly spend of ₹1.5L unlocks 20,000 bonus points — great for large spenders
• Complimentary Accor Plus membership = significant hotel value

Apply via issuer website

#4 Compare

Rewards 5% cashback on bill payments & recharges via Google Pay; 4% on Swiggy, Zomato, Ola; 1.5% others

• Best card for utility bill payments and recharges in India — 5% cashback
• Cashback auto-credited — no redemption hassle
• Strong 4% on Swiggy, Zomato, and Ola

Apply via issuer website

#5 Compare

Rewards 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow; 1% on other spends

• Best entry-level card for online shopping
• 5% cashback is paid as CashPoints, redeemable against statement balance
• No minimum transaction for 5% cashback (unlike some cards)

Apply via issuer website

#6 Compare

Rewards 10% cashback on Swiggy, Zomato, Ola; 1.5% on all other spends

• 10% cashback on Swiggy, Zomato, and Ola is the highest rate in this category
• Cashback credited directly to statement
• Cap: ₹3,000/month on partner cashback (still excellent value)

Apply via issuer website

#7 Compare

Rewards 5X (5 RP/₹100) on dining, department stores, grocery; 2X on all others

• Better forex rate than most premium cards
• Welcome vouchers almost cover the annual fee
• Points transferable to Vistara, Etihad, Singapore Airlines and more

Apply via issuer website