Payment channel
Some discounts require booking and paying through a specific app rather than simply using the card at the restaurant.
Decision framework
Use the category to frame the question—not to declare a winner.
Cards with accelerated rewards, discounts or memberships tied to restaurants and food spending. The right comparison still depends on fees, caps, exclusions, qualification rules and how you actually use the card.
Per-transaction cap
A headline dining percentage can be constrained by a small discount cap.
Monthly unlock
Some higher discount tiers require non-dining spend in a previous month.
Membership value
Do not count the full retail price of a dining membership unless you would have bought it anyway.
Issuer coverage
Which issuer portfolios appear most often here?
This is database coverage only. More published cards does not mean a better issuer, easier approval or stronger customer service.
01Issuer dossierAxis Bank3 cards in this category
02Issuer dossierSBI Card2 cards in this category
03Issuer dossierIndusInd Bank2 cards in this category
04Issuer dossierPunjab National Bank2 cards in this category
05Issuer dossierBank of Baroda / BOBCARD2 cards in this category
06Issuer dossierAmerican Express India1 card in this category
07Issuer dossierHDFC Bank1 card in this category
08Issuer dossierAU Small Finance Bank1 card in this category
Published card research
Inspect the exact cards behind this category.
Search locally, narrow by issuer or status, and open the full dated card dossier before relying on any fee, reward, lounge or forex term.
16of 16 published records visible
SBI Card · Active
Open dossier SimplySAVE SBI Card
A mass-market rewards card focused on common offline lifestyle categories rather than premium travel perks.
Annual fee₹499 + applicable taxes from the second year under the current SBI Card MITC.
Rewards10 reward points per ₹150 on dining, movies, departmental stores and grocery spends on the reviewed SBI listing
LoungeNot positioned as a lounge-led card
Forex3.50% foreign-currency transaction fee; the current SBI Card MITC also lists a 3.50% DCC fee for qualifying INR-denominated international or overseas-registered-merchant transactions.
Best useEveryday spenders concentrated in grocery, dining, movies and department stores.
2 first-party sourcesReviewed September 11, 2026
SBI Card · Active
Open dossier SBI Card PRIME
A mid-premium SBI Card combining accelerated lifestyle rewards, milestone value and airport-lounge benefits.
Annual fee₹2,999 + taxes
Rewards10 reward points per ₹100 on selected lifestyle categories on the reviewed SBI listing
LoungeComplimentary domestic and international airport lounge access is listed; current access conditions should be checked
Forex3.50% foreign-currency transaction fee under the current SBI Card MITC; DCC is also listed at 3.50% for qualifying INR-denominated international or overseas-registered-merchant transactions.
Best useMid-premium users who can use lifestyle accelerators, milestones and lounge benefits.
2 first-party sourcesReviewed September 11, 2026
Axis Bank · Active
Open dossier Axis Bank SELECT Credit Card
A premium-lifestyle card with a defined reward structure, merchant offers and a relatively high fee-waiver spend target.
Annual fee₹3,000 from the second year; Nil while the qualifying Burgundy relationship applies.
Rewards10 EDGE Reward Points per ₹200 on eligible spend, with 2X points on defined retail-shopping spend up to the current monthly cap.
LoungeUp to 12 complimentary international Priority Pass visits; 2 domestic lounge visits per quarter after ₹50,000 spend in the last 3 months, with Priority Pass renewal tied to ₹3 lakh preceding-anniversary-year spend.
Forex3.50% foreign-currency transaction fee on the current SELECT product page.
Best useUpper-mid-market users who can use shopping, dining, movie and milestone benefits.
2 first-party sourcesReviewed September 11, 2026
Axis Bank · Active
Open dossier Axis Bank Rewards Credit Card
A general rewards card combining issuer reward points with recurring merchant-led lifestyle offers.
Annual fee₹1,000 from the second year on the current Axis Bank Rewards page
RewardsReviewed Axis listing highlights dining, fuel and Swiggy benefits
Lounge2 complimentary domestic airport lounge visits per quarter, subject to ₹50,000 eligible spend in the previous 3 calendar months.
Forex3.50% foreign-currency transaction fee on the current Rewards product page.
Best useUsers who prefer merchant offers and points across dining and everyday lifestyle spend.
2 first-party sourcesReviewed September 11, 2026
Axis Bank · Active
Open dossier Axis Bank MY ZONE Credit Card
A low-fee lifestyle card centered on entertainment and partner discounts.
Annual fee₹500 on the current Axis Bank MY ZONE page
RewardsReviewed Axis listing highlights entertainment, Swiggy and AJIO benefits
Lounge1 complimentary domestic airport lounge visit per calendar quarter, unlocked on ₹50,000 eligible spend in the previous 3 months.
Forex3.50% foreign-currency transaction fee on the current MY ZONE page; DCC is separately charged under the current Axis schedule.
Best useEntry-level users who value entertainment and merchant discounts more than complex rewards.
2 first-party sourcesReviewed September 11, 2026
American Express India · Applications paused
Open dossier American Express Gold Card
A charge card built around Membership Rewards and recurring monthly-spend bonuses rather than cashback.
Annual fee₹4,500 + applicable taxes from second year on reviewed page
RewardsReviewed page states 1,000 bonus points for six qualifying monthly transactions and standard Membership Rewards earning
LoungeNot primarily positioned as a lounge card
Forex3.50% foreign-currency conversion factor assessment under the current American Express India fee schedule / charge-card terms.
Best useUsers who value Membership Rewards and can consistently meet monthly transaction patterns.
3 first-party sourcesReviewed September 11, 2026
HDFC Bank · Active
Open dossier Swiggy HDFC Bank Credit Card
A low-fee co-branded cashback card with high Swiggy earn, broader online cashback and clearly published billing-cycle caps.
Annual fee₹500 + applicable taxes; renewal fee is waived at ₹2 lakh annual spends.
Rewards10% cashback on eligible Swiggy app spends capped at ₹1,500 per billing cycle; 5% on eligible online shopping capped at ₹1,500; 1% on eligible other spends capped at ₹500. Current product T&Cs also apply minimum eligible transaction values of ₹249 for the 10% bucket and ₹100 for the 5%/1% buckets.
LoungeNot positioned as a lounge-led card
ForexThe current Swiggy HDFC Bank fee page explicitly publishes a 3.50% dynamic-currency-conversion markup; the reviewed product-specific page does not separately state a foreign-currency markup rate, so DCC is kept distinct from ordinary foreign-currency conversion.
Best useFrequent Swiggy users and online shoppers whose eligible spend fits within the monthly cashback caps.
4 first-party sourcesReviewed September 11, 2026
AU Small Finance Bank · Active
Open dossier AU Ananta Credit Card
A ₹2,000 AU rewards card with accelerated shopping/dining/travel earn, welcome points, milestones and domestic lounge access.
Annual fee₹2,000 + applicable taxes.
Rewards5 Reward Points per ₹100 on eligible shopping, dining and travel spends, capped at 5,000 accelerated points per statement cycle, plus welcome and annual milestone points
Lounge4 complimentary domestic airport-lounge visits per quarter when eligible flight tickets of ₹5,000 or more are booked through AU Rewardz under the current Ananta terms.
Forex3.49% cross-currency markup under AU’s 7 July 2026 Key Fact Statement.
Best useUpper-mid-tier users whose normal spending is concentrated in shopping, dining and travel and who can naturally reach the card's milestones.
2 first-party sourcesReviewed September 11, 2026
Kotak Mahindra Bank · Active
Open dossier IndianOil Kotak Credit Card
A low-fee fuel card centered on IndianOil with a ₹449 annual fee, ₹50,000 waiver threshold and additional grocery/dining reward value.
Annual fee₹449 + applicable taxes
RewardsReviewed Kotak listing advertises 5% value on eligible IndianOil fuel spends and 2% back as reward points on eligible grocery and dining spends
LoungeNot positioned as a lounge-led card in the reviewed issuer listing
Forex3.5% under the reviewed Kotak MITC's standard foreign-currency markup for cards without a special lower rate
Best useDrivers who consistently refuel at IndianOil and can use grocery/dining rewards while keeping annual spend above the modest fee-waiver threshold.
3 first-party sourcesReviewed September 9, 2026
IndusInd Bank · Active
Open dossier EazyDiner IndusInd Bank Credit Card
A ₹2,999 dining co-brand centered on EazyDiner Prime and PayEazy discounts, with a current monthly discount ladder and July 2025 benefit changes that discontinued lounge access.
Annual fee₹2,999 on the reviewed issuer page
RewardsDining-led value with EazyDiner Prime, extra 25% discount through PayEazy subject to transaction/monthly caps, and current issuer reward rules; the July 2025 notice increased hotel/travel earn to 10 Reward Points per ₹100
LoungeComplimentary domestic lounge access was discontinued under the issuer's July 2025 change notice
ForexSee current IndusInd Bank MITC before international use
Best useFrequent EazyDiner users who can repeatedly use PayEazy dining discounts and the bundled Prime membership enough to justify the ₹2,999 annual fee.
2 first-party sourcesReviewed September 9, 2026
IndusInd Bank · Active
Open dossier EazyDiner IndusInd Bank Platinum Credit Card
A lifetime-free EazyDiner co-brand that trades the richer Signature-tier package for a simpler no-annual-fee dining proposition.
Annual feeNil — lifetime free on the reviewed issuer page
RewardsDiscount-led value with 3 months of EazyDiner Prime, extra dining discount through the EazyDiner payment flow and EazyPoints; current caps and renewal conditions apply
LoungeNo core airport-lounge benefit highlighted on the reviewed Platinum co-brand page
ForexSee the current IndusInd Bank MITC before international use
Best useOccasional-to-regular EazyDiner users who want dining discounts without carrying an annual-fee hurdle.
2 first-party sourcesReviewed September 9, 2026
Punjab National Bank · Active
Open dossier PNB LUXURA RuPay Metal Credit Card
PNB’s super-premium RuPay metal card pairs nil forex markup and unlimited lounges with 4 points per ₹100, travel/dining acceleration and a high fee structure.
Annual fee₹7,500 + GST
Rewards4 Reward Points per ₹100 on eligible spend, with 3X Reward Points on travel and dining plus milestone rewards
LoungeUnlimited complimentary domestic and international airport lounge access on the reviewed PNB product page
ForexNil forex markup
Best useHigh-income travelers who can use unlimited lounges, zero forex markup and premium hospitality benefits enough to justify the large fee exposure.
4 first-party sourcesReviewed September 9, 2026
Punjab National Bank · Active
Open dossier PNB LUXURA Visa Metal Credit Card
A premium Visa Infinite metal card with nil forex markup, unlimited lounges, 4 points per ₹100 and a lower published annual fee than PNB’s RuPay LUXURA.
Annual fee₹1,999 + GST
Rewards4 Reward Points per ₹100 on eligible spend, with 3X Reward Points on travel and dining plus milestone rewards
LoungeUnlimited complimentary domestic and international airport lounge access on the reviewed PNB product page
ForexNil forex markup
Best usePremium international travelers who want zero forex markup and unlimited lounges but prefer the materially lower fee of the Visa LUXURA over the RuPay metal version.
4 first-party sourcesReviewed September 9, 2026
Bank of Baroda / BOBCARD · Active
Open dossier BOBCARD PREMIER Credit Card
A travel-oriented BOBCARD with 5X rewards on selected travel, international and dining spend plus quarterly lounge access.
Annual fee₹1,000 from the second year under the current BOBCARD product page.
Rewards10 reward points per ₹100 on eligible travel, international and dining spends under the current 5X structure; other eligible spend follows the card's core reward rate and exclusions.
LoungeOne complimentary airport-lounge visit every quarter is advertised, subject to the current lounge list and eligibility criteria.
ForexThe reviewed PREMIER product page does not state a reduced forex-markup percentage; the current BOBCARD MITC should be checked before international use.
Best useMid-premium users who value travel/dining rewards and quarterly lounge access without ETERNA-level pricing.
2 first-party sourcesReviewed September 12, 2026
Bank of Baroda / BOBCARD · Active
Open dossier BOBCARD SELECT Credit Card
A lower-fee BOBCARD focused on online and dining rewards with a published ₹70,000 annual-fee-waiver milestone.
Annual fee₹750 from the second year under the current BOBCARD product page.
Rewards5 reward points per ₹100 on eligible online and dining spends, capped at 1,000 accelerated reward points per statement cycle; 1 reward point per ₹100 on other eligible categories. Current cashback redemption is ₹0.20 per reward point.
LoungeNot positioned as a lounge-led card on the reviewed current product page.
ForexNo reduced forex rate is stated on the reviewed SELECT product page; verify the current BOBCARD MITC before international use.
Best useOnline shoppers and diners who can use the accelerated categories without overshooting the statement-cycle cap.
2 first-party sourcesReviewed September 12, 2026
HSBC India · Active
Open dossier HSBC Live+ Credit Card
A cashback-led HSBC card combining a capped 10% accelerator, 1.5% base cashback, annual lounge visits and a 1.99% forex markup.
Annual fee₹999; the current product page states it is waived when annual spend exceeds ₹2 lakh.
Rewards10% accelerated cashback on eligible dining, food delivery, grocery, shopping and utility spend, capped at ₹1,200 per month across those categories; 1.5% unlimited cashback on most other eligible spend, subject to exclusions.
Lounge2 domestic and 1 international complimentary airport-lounge visits per year under the current product page.
Forex1.99% forex markup on international transactions under the current HSBC product page.
Best useUsers with concentrated dining/grocery/shopping/utility spend who also value a published 1.99% forex rate.
2 first-party sourcesReviewed September 12, 2026
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Maintained head-to-heads
Close comparisons already researched inside Dining Credit Cards.
Only curated pairs that passed the existing substantive-comparison guard appear here. The engine does not generate every possible permutation.
Maintained comparisonSBI Card PRIMEvsAxis Bank SELECT Credit CardCompare →Maintained comparisonEazyDiner IndusInd Bank Credit CardvsSwiggy HDFC Bank Credit CardCompare →Maintained comparisonEazyDiner IndusInd Bank Credit CardvsAxis Bank Rewards Credit CardCompare →Maintained comparisonEazyDiner IndusInd Bank Platinum Credit CardvsSwiggy HDFC Bank Credit CardCompare →Maintained comparisonBOBCARD PREMIER Credit CardvsSBI Card PRIMECompare →Maintained comparisonBOBCARD SELECT Credit CardvsAxis Bank Rewards Credit CardCompare →Maintained comparisonHSBC Live+ Credit CardvsSwiggy HDFC Bank Credit CardCompare →