Leaderboards / Spend Categories

Best for Dining

Restaurant rewards, dining perks, and food delivery partner benefits for food enthusiasts.

5 cards ranked | Updated January 2026

Key Ranking Factors

50% Dining Rate

Restaurant rewards

25% Perks

Dining discounts

15% Delivery

Food app rewards

10% Value

Rate vs fee

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HDFC Infinia Metal Edition

Lounge Access Premium ₹12,500/yr

₹3.3-33.3/₹100 rewards Unlimited lounges 2.00% forex

Score

Score: 454

Top 20%

Score

Score: 454

Top 20%

🥈

HDFC Regalia Gold

Lifestyle Lounge Access ₹2,500/yr

18 lounge visits/yr

Score

Score: 400

Top 40%

Score

Score: 400

Top 40%

🥉

HDFC Diners Club Black Credit Card

Lounge Access Premium ₹10,000/yr

Unlimited lounges 2.00% forex

Score

Score: 342

Top 60%

Score

Score: 342

Top 60%

Flipkart Axis Bank Credit Card

Co-Branded Shopping ₹500/yr

Score

Score: 308

Top 80%

Score

Score: 308

Top 80%

ICICI Bank Emeralde Private Metal Credit Card

Lounge Access Premium ₹12,499/yr

₹3.0-6.0/₹100 rewards Unlimited lounges 2.00% forex

Score

Score: 185

Top 100%

Score

Score: 185

Top 100%

About Dining Rankings

Dining is a major spending category for many cardholders. The best dining cards offer 5-10% rewards at restaurants plus perks like discounts at partner restaurants and food delivery apps.

How We Rank Dining Cards

Dining rewards: Earning rate at restaurants, cafes, bars
Dining perks: Restaurant discounts and special access
Food delivery: Bonuses on Swiggy, Zomato, etc.
VFM adjustment: Good dining rewards on cheaper cards rank higher

Dining Rate

Higher is better

Coverage

Restaurants + delivery

What Makes a Great Dining Card

High dining rate: 5%+ rewards on restaurant spending
Partner network: Discounts at restaurants you actually visit
Delivery bonuses: Extra rewards on food apps you use
No category caps: Unlimited earning on dining

Who Needs a Dining Card

Foodies who eat out frequently
Those who order delivery regularly
Business diners with client meals
Anyone spending ₹5,000+ monthly on dining

Maximizing Dining Rewards

Check category definitions: Verify what counts as "dining"
Use partner apps: Extra discounts through card partnerships
Stack offers: Combine card rewards with restaurant promotions

Dining Card FAQ

Do food delivery apps count as dining?

Usually yes, but check your card's terms. Most cards classify Swiggy, Zomato, and similar apps as dining. Some may categorize them as online shopping instead.

Bottom Line

If dining is a significant spending category for you, a dedicated dining card can deliver substantial value through higher rewards and restaurant perks.

Learn more about our methodology