CardAgent

Best credit cards for dining and restaurants (2026)

Cards optimised for dine-in restaurants, cafes, and food delivery — including cards with EazyDiner / Club Vistara / Marriott dining discount programs.

  1. 1
    Kotak Mahindra Bank
    Kotak Privy League Signature Debit Card
    20% on DiningLifetime free
    Instant deductions scaling to 20% dining over Taj and assorted networks
    65
  2. 2
    HSBC India
    HSBC Live+ Credit Card
    10% on DiningCap ₹1,000/mo₹1,179/yr incl. GST
    10% accelerated cashback on dining and food delivery. Combined cap with groceries.
    78
  3. 3
    HDFC Bank
    Tata Neu Infinity HDFC Credit Card
    5% on Dining₹1,769/yr incl. GST
    5% on Tata brands
    68
  4. 4
    Kotak Mahindra Bank
    Kotak Cashback+ Credit Card
    5% on DiningCap ₹750/mo₹885/yr incl. GST
    5% accelerated cashback on online food & grocery delivery... capped at 750 Reward Points per statement cycle.
    49
  5. 5
    HDFC Bank
    HDFC Pixel Play Credit Card
    3% on Dining₹590/yr incl. GST
    53
  6. 6
    Kotak Mahindra Bank
    IndiGo Kotak Premium Credit Card
    3% on Dining₹1,770/yr incl. GST
    3 BluChips per ₹100 on dining & entertainment MCCs.
    50
  7. 7
    HDFC Bank
    HDFC Pixel Go Credit Card
    3% on Dining₹295/yr incl. GST
    45
  8. 8
    HDFC Bank
    HDFC 6E Rewards XL Indigo Credit Card
    2.5% on Dining₹1,770/yr incl. GST
    58

How we rank

We compute an effective % back for each card's Dining reward rule as rate × point value, cap-aware, and rank by that number. Ties are broken by the CardAgent overall score, which weighs reward value (70%), fee efficiency (12%), redemption flexibility (9%), and perks (9%). All fees are shown inclusive of 18% GST. See methodology and full catalog.

FAQ

Which card gives the most dining discount?

HDFC Swiggy, Axis Atlas (via EazyDiner Prime), and ICICI Sapphiro / Emeralde (Culinary Treats) give 20–25% off at partner restaurants — check partner list before booking.

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