Best Credit Cards for Dining & Restaurants in India (2026)
Find the best credit cards for dining out, Swiggy, and Zomato orders in India. Earn maximum rewards on food spending.
#1 Best Overall
HDFC Swiggy Credit Card
Cashback value varies
#2 Runner Up
HDFC Millennia Credit Card
₹1 per point (5% cashback)
Our Top Picks
HDFC Swiggy Credit Card
HDFC Bank
Point Value
Cashback value varies
Expiry
No fixed expiry on cashback
Options
4 redemption options
HDFC Millennia Credit Card
HDFC Bank
Point Value
₹1 per point (5% cashback)
Expiry
2 years
Options
4 redemption options
ICICI Amazon Pay Credit Card
ICICI Bank
Point Value
₹0.25 - ₹1 per point
Expiry
No expiry if card active
Options
4 redemption options
Axis Flipkart Credit Card
Axis Bank
Point Value
₹0.40 - ₹1 per point
Expiry
No expiry if card active
Options
4 redemption options
SBI Prime Credit Card
SBI Card
Point Value
₹0.25 per point
Expiry
No expiry mentioned
Options
4 redemption options
Frequently Asked Questions
What is the best credit card for dining in India in 2026?
The best card for dining in India is HDFC Swiggy Credit Card, offering Cashback value varies. However, the best choice depends on your overall spending pattern.
How do I maximize dining rewards?
Use a card that earns bonus points on dining spending. Stack with the card's portal offers and promotional categories for maximum value.
Are no-annual-fee cards good for dining rewards?
Some no-annual-fee cards offer solid dining rewards. However, premium cards with annual fees often provide higher earn rates that outweigh the fee for heavy spenders.
Can I use multiple cards for dining spending?
Yes! Many rewards enthusiasts use different cards for different merchants or spending tiers to maximize their overall rewards across categories.