Leaderboards / Spend Categories

Best for Dining

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

90 cards ranked | Updated February 2026

Key Ranking Factors

50% Dining Rate

Restaurant rewards

25% Perks

Dining discounts

15% Delivery

Food app rewards

10% Value

Rate vs fee

🥇
HDFC Pixel Go

HDFC Pixel Go

HDFC Bank
Cashback Entry Level ₹250/yr
3.4 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 1254

Top 2%
🥈
HDFC Diners Club Privilege

HDFC Diners Club Privilege

HDFC Bank
Dining Lifestyle ₹1,000/yr
3.6 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 1188

Top 3%
🥉
HDFC Doctors Superia

HDFC Doctors Superia

HDFC Bank
Dining Healthcare ₹1,000/yr
2.9 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 1127

Top 4%
#4
HSBC Live+

HSBC Live+

Cashback Dining ₹999/yr
3.6 Our Rating
APPLY NOW

on HSBC Bank's website

Score

Score: 1071

Top 5%
#5
HDFC Pixel Play

HDFC Pixel Play

HDFC Bank
Cashback Dining ₹500/yr
3.9 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 1001

Top 6%
#6
Axis Bank Ace

Axis Bank Ace

Axis Bank
Cashback Entry Level ₹499/yr
3.7 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 957

Top 7%
#7
Swiggy HDFC Bank

Swiggy HDFC Bank

HDFC Bank
Cashback Co-Branded ₹500/yr
3.9 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 935

Top 8%
#8
Paytm HDFC Bank SELECT Business

Paytm HDFC Bank SELECT Business

HDFC Bank
Business Cashback ₹500/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 858

Top 9%
#9
HDFC MoneyBack Plus

HDFC MoneyBack Plus

HDFC Bank
Entry Level Rewards ₹500/yr
3.4 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 814

Top 10%
#10
Standard Chartered Priority Visa Infinite

Standard Chartered Priority Visa Infinite

Lounge Access Premium ₹0/yr
4.7 Our Rating
APPLY NOW

on Standard Chartered Bank's website

Score

Score: 800

Top 12%
#11
Amazon Pay ICICI Bank

Amazon Pay ICICI Bank

ICICI Bank
Cashback Co-Branded ₹0/yr
4.2 Our Rating
APPLY NOW

on ICICI Bank's website

Score

Score: 775

Top 13%
#11
Standard Chartered DigiSmart

Standard Chartered DigiSmart

Co-Branded Dining ₹0/yr
3.4 Our Rating
APPLY NOW

on Standard Chartered Bank's website

Score

Score: 775

Top 13%
#13
HDFC Freedom

HDFC Freedom

HDFC Bank
Entry Level Rewards ₹500/yr
3.2 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 726

Top 15%
#14
HSBC RuPay Cashback

HSBC RuPay Cashback

Cashback Dining ₹499/yr
2.8 Our Rating
APPLY NOW

on HSBC Bank's website

Score

Score: 704

Top 16%
#15
HSBC Visa Platinum

HSBC Visa Platinum

Entry Level Fuel ₹0/yr
4.1 Our Rating
APPLY NOW

on HSBC Bank's website

Score

Score: 700

Top 17%
#16
HDFC Biz Grow

HDFC Biz Grow

HDFC Bank
Business Entry Level ₹500/yr
3.6 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 682

Top 18%
#16

HDFC CSC Small Business MoneyBack

HDFC Bank
Business Cashback ₹500/yr
3.0 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 682

Top 18%
#16

Paytm HDFC Bank Business

HDFC Bank
Business Cashback ₹500/yr
3.6 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 682

Top 18%
#19
Axis Bank Airtel

Axis Bank Airtel

Axis Bank
Cashback Co-Branded ₹500/yr
3.8 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 671

Top 22%
#20
Best Price Save Max HDFC Bank

Best Price Save Max HDFC Bank

HDFC Bank
Co-Branded Lounge Access ₹1,000/yr
3.4 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 650

Top 23%
#21
IDFC FIRST Power

IDFC FIRST Power

IDFC First Bank
Co-Branded Entry Level ₹199/yr
3.6 Our Rating
APPLY NOW

on IDFC First Bank's website

Score

Score: 638

Top 24%
#22
HDFC Biz First

HDFC Biz First

HDFC Bank
Business Cashback ₹500/yr
3.6 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 626

Top 25%
#23

HDFC World MasterCard

HDFC Bank
Lounge Access Rewards ₹500/yr
3.7 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 618

Top 26%
#24

HDFC Giga Business

HDFC Bank
Business Entry Level ₹500/yr
3.6 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 611

Top 27%
#25
HDFC Millennia

HDFC Millennia

HDFC Bank
Cashback Entry Level ₹1,000/yr
3.4 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 594

Top 28%
#26
HDFC Titanium Edge

HDFC Titanium Edge

HDFC Bank
Dining Entry Level ₹500/yr
3.0 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 585

Top 29%
#27
MakeMyTrip ICICI Bank

MakeMyTrip ICICI Bank

ICICI Bank
Co-Branded Lounge Access ₹999/yr
3.8 Our Rating
APPLY NOW

on ICICI Bank's website

Score

Score: 549

Top 30%
#28
HDFC InterMiles Signature

HDFC InterMiles Signature

HDFC Bank
Co-Branded Lounge Access ₹2,500/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 547

Top 32%
#29
InterMiles Platinum HDFC Bank

InterMiles Platinum HDFC Bank

HDFC Bank
Co-Branded Rewards ₹1,000/yr
3.4 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 547

Top 33%
#30
HDFC Diners Club Miles

HDFC Diners Club Miles

HDFC Bank
Dining Lounge Access ₹1,000/yr
3.9 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 524

Top 34%
#31
HDFC Regalia First

HDFC Regalia First

HDFC Bank
Dining Lifestyle ₹1,000/yr
3.2 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 515

Top 35%
#32
HDFC Infinia Metal Edition

HDFC Infinia Metal Edition

HDFC Bank
Lounge Access Premium ₹12,500/yr
3.1 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 446

Top 36%
#33
Tata Neu Infinity HDFC Bank

Tata Neu Infinity HDFC Bank

HDFC Bank
Co-Branded Lounge Access ₹1,499/yr
3.5 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 434

Top 37%
#34

HDFC Regalia Activ

HDFC Bank
Lifestyle Lounge Access ₹2,500/yr
3.1 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 421

Top 38%
#34

HDFC Doctors Regalia

HDFC Bank
Healthcare Lifestyle ₹2,500/yr
3.7 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 421

Top 38%
#36
SBI Card Elite

SBI Card Elite

SBI Cards
Dining Lifestyle ₹4,999/yr
3.1 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 418

Top 40%
#37
HDFC Business Regalia

HDFC Business Regalia

HDFC Bank
Business Lifestyle ₹2,500/yr
3.2 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 414

Top 42%
#38
HDFC Regalia Gold

HDFC Regalia Gold

HDFC Bank
Lifestyle Lounge Access ₹2,500/yr
3.5 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 400

Top 43%
#39
HDFC Regalia

HDFC Regalia

HDFC Bank
Lifestyle Lounge Access ₹2,500/yr
3.7 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 397

Top 44%
#39
HDFC Biz Power

HDFC Biz Power

HDFC Bank
Business Fuel ₹2,500/yr
3.7 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 397

Top 44%
#41
HDFC Diners Club Black

HDFC Diners Club Black

HDFC Bank
Dining Lifestyle ₹10,000/yr
3.7 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 396

Top 46%
#42
SBI Card Prime

SBI Card Prime

SBI Cards
Dining Lounge Access ₹2,999/yr
3.3 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 391

Top 47%
#43

SBI Card Prime Advantage

SBI Cards
Lounge Access Premium ₹2,999/yr
3.3 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 385

Top 48%
#44
HDFC InterMiles Diners Club

HDFC InterMiles Diners Club

HDFC Bank
Co-Branded Lounge Access ₹5,000/yr
4.0 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 383

Top 49%
#45

SBI Card Elite Advantage

SBI Cards
Dining Lifestyle ₹4,999/yr
2.9 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 380

Top 50%
#46
Doctor's SBI Card (IMA)

Doctor's SBI Card (IMA)

SBI Cards
Co-Branded Lounge Access ₹1,499/yr
3.2 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 375

Top 52%
#47
Flipkart Axis Bank

Flipkart Axis Bank

Axis Bank
Co-Branded Shopping ₹500/yr
3.7 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 352

Top 53%
#48
Flipkart SBI Card

Flipkart SBI Card

SBI Cards
Cashback Co-Branded ₹500/yr
3.9 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 308

Top 54%
#49
HDFC Biz Black Metal Edition

HDFC Biz Black Metal Edition

HDFC Bank
Business Lounge Access ₹10,000/yr
4.1 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 279

Top 55%
#50
SimplyCLICK SBI Card

SimplyCLICK SBI Card

SBI Cards
Entry Level Rewards ₹499/yr
3.6 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 253

Top 56%

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.

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