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Best Dining in India 2026

Compare the best dining in India. 17 cards ranked by our experts.

Showing 17 cards

Best for: Frequent travellers who value unlimited lounge access, high reward rates via SmartBuy, and premium lifestyle benefits including golf and complimentary subscriptions.
HDFC Diners Club Black

HDFC Diners Club Black

3.7 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹10,000

#80

Rewards rate

₹1.67 - ₹10.84/₹100

#6

Joining fee

₹10,000

#78

Interest rate

23.88%

#1
Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards, Shopping, Travel
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CardNitty's take

Pros

  • Unlimited domestic and international airport lounge access
  • 10X reward points on SmartBuy portal with Rs. 1/point value
  • Complimentary memberships: Amazon Prime, Club Marriott, Times Prime, MMT Black
  • 6 complimentary golf games per quarter worldwide
  • Rs. 2 crore air accident cover and Rs. 50 lakh emergency medical
  • Low forex markup of 2% + GST

Cons

  • High annual fee of Rs. 10,000 + GST
  • Limited Diners Club network acceptance in some countries
  • Reward points capped on utility, grocery, and insurance categories
  • No reward points on fuel, wallets, rent, and EMI
Read full review
Best for: Frequent travelers, dining enthusiasts, and high spenders looking for 3.33% base reward rate, unlimited lounge access, and complimentary golf.
HDFC Diners Club Black Metal Edition

HDFC Diners Club Black Metal Edition

3.6 CardNitty rating
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Annual fee

₹10,000

#80

Rewards rate

₹3.33/₹100

#1

Joining fee

₹10,000

#78

Interest rate

23.88%

#1
Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Excellent 3.33% base reward rate on all spends
  • Unlimited airport lounge access for primary and add-on cardholders
  • 10X reward points on SmartBuy hotel bookings
  • 6 complimentary golf games per quarter
  • Rs 2 crore air accident insurance
  • 24x7 global concierge service
  • Reward points worth Rs 1 each on SmartBuy

Cons

  • Diners Club network has limited offline acceptance in India
  • No fuel surcharge waiver on the Metal Edition
  • High annual fee of Rs 10,000 + GST
  • Renewal fee waiver requires Rs 8 lakh annual spend
Read full review
Best for: Dining enthusiasts, SmartBuy shoppers, and domestic travellers seeking a well-rounded rewards card with quarterly milestone vouchers and lounge access at a moderate annual fee.
HDFC Diners Club Privilege

HDFC Diners Club Privilege

3.6 CardNitty rating
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Annual fee

₹1,000

#45

Rewards rate

₹1.33 - ₹9.16/₹100

#7

Joining fee

₹1,000

#43

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
2/year #48
International Lounge
2/year #19
Min Credit Score
750+ #50
Categories Dining, Lifestyle, Lounge Access, Rewards
View full details
CardNitty's take

Pros

  • Up to 10X reward points on SmartBuy partners with 13.3% effective reward rate
  • 5X accelerated rewards on Swiggy and Zomato dining orders
  • 8 complimentary airport lounge visits per year across 1000+ lounges worldwide
  • Quarterly milestone voucher of Rs 1,500 on Rs 1.5 lakh spend
  • Comprehensive insurance cover including Rs 1 Cr air accident and Rs 25 Lakh medical
  • BookMyShow Buy 1 Get 1 Free on weekend movie tickets

Cons

  • Limited merchant acceptance due to Diners Club network compared to Visa/Mastercard
  • High forex markup of 3.5% plus GST makes it poor for international spends
  • No fuel surcharge waiver and fuel transactions earn zero reward points
  • Lounge access requires Rs 15,000 spend in previous quarter
Read full review
Best for: Frequent diners and grocery shoppers who spend Rs. 5-10 lakh annually and value movie tickets, lounge access, and low forex markup
SBI Card Elite

SBI Card Elite

3.1 CardNitty rating
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Annual fee

₹4,999

#73

Rewards rate

₹0.50 - ₹1.00/₹100

#63

Joining fee

₹4,999

#71

Interest rate

45.00%

#37
Card details
Forex Markup
1.99% #3
Domestic Lounge
8/year #19
Min Credit Score
750+ #50
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards
View full details
CardNitty's take

Pros

  • Free movie tickets worth Rs. 6,000/year
  • Up to 50,000 bonus milestone points/year worth Rs. 12,500
  • 5X rewards on dining, grocery and departmental stores
  • 6 international + 8 domestic lounge visits/year
  • Low 1.99% forex markup
  • Fee waiver on Rs. 10 lakh spend

Cons

  • Low base reward rate of 0.5%
  • 5X reward points capped at 10,000/month
  • High annual fee of Rs. 4,999
  • Air accident insurance discontinued
  • Reward redemption value only Rs. 0.25/point
Read full review
Best for: Individuals seeking an affordable rewards credit card with dining benefits, insurance coverage, and milestone bonus points at a low annual fee of Rs 1,000.
HDFC Regalia First

HDFC Regalia First

3.2 CardNitty rating
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Annual fee

₹1,000

#45

Rewards rate

₹0.60 - ₹2.00/₹100

#68

Joining fee

₹1,000

#43

Interest rate

45.00%

#37
Card details
Forex Markup
2.00% #7
Min Credit Score
700+ #3
Categories Dining, Lifestyle, Rewards
View full details
CardNitty's take

Pros

  • Low annual fee of Rs 1,000 waivable on Rs 1L spend
  • Generous milestone bonuses up to Rs 2,250 per year
  • Up to 20% dining savings via Swiggy Dineout
  • Rs 1 Crore air accident insurance cover
  • Fuel surcharge waiver on all fuel stations

Cons

  • Airport lounge access discontinued since Dec 2023
  • Low base reward rate (0.6% effective)
  • Grocery and utility reward points capped at 2,000/month
  • High forex markup of 2%
Read full review
Best for: Frequent travellers who want to accumulate airmiles through everyday spending, with access to airport lounges and comprehensive travel insurance at an affordable annual fee.
HDFC Diners Club Miles

HDFC Diners Club Miles

3.9 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹1,000

#45

Rewards rate

₹9.16/₹100

#7

Joining fee

₹1,000

#43

Interest rate

43.20%

#19
Card details
Forex Markup
3.00% #25
Domestic Lounge
6/year #35
International Lounge
6/year #14
Min Credit Score
700+ #3
Categories Dining, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Best-in-class 1:1 airmile transfer ratio with Singapore Airlines, British Airways, and Club Vistara
  • 10X accelerated rewards on partner brands via SmartBuy
  • 6 complimentary domestic and international lounge visits per year
  • Comprehensive insurance coverage including Rs. 1 Crore air accident
  • Low annual fee of Rs. 1,000 with easy spend-based waiver at Rs. 1 lakh
  • 24/7 concierge service for travel assistance

Cons

  • Limited Diners Club network acceptance, especially in India - need a backup Visa/Mastercard
  • Foreign currency markup of 3% plus GST is on the higher side
  • 10X reward points capped at only 5,000 per month
  • Reward redemption fee of Rs. 99 per request
Read full review
Best for: Individuals who spend frequently on dining, groceries, and departmental stores, and want domestic and international airport lounge access at a reasonable annual fee.
SBI Card Prime

SBI Card Prime

3.3 CardNitty rating
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Annual fee

₹2,999

#69

Rewards rate

₹0.50 - ₹5.00/₹100

#32

Joining fee

₹2,999

#67

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
8/year #19
Min Credit Score
750+ #50
Categories Dining, Lounge Access, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Strong 2.5% reward rate on dining, groceries, departmental stores and movies
  • Generous lounge access: 8 domestic + 4 international visits annually
  • Multiple milestone vouchers up to Rs. 11,000 in value per year
  • Golf benefits with Mastercard variant
  • Complimentary Club Vistara Silver, Trident Privilege Red, and ITC Silver memberships

Cons

  • Low base reward rate of 0.5% on general spending
  • High forex markup of 3.5% makes it unsuitable for international transactions
  • Accelerated rewards capped at 7,500 RP per month
  • Rs. 3 lakh annual spend required for fee waiver is steep for the benefits offered
  • Air accident insurance being discontinued from July 2025
Read full review
Best for: Young spenders who want customizable cashback on dining, fashion, travel, grocery, and electronics brands with a low annual fee
HDFC Pixel Play

HDFC Pixel Play

3.9 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹500

#21

Rewards rate

₹1.00 - ₹5.00/₹100

#32

Joining fee

₹500

#21

Interest rate

43.20%

#19
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Cashback, Dining, Entry Level, Shopping
View full details
CardNitty's take

Pros

  • Up to 5% cashback on 10 popular partner brands across 5 customizable categories
  • Low annual fee of Rs 500, easily waivable on Rs 1L spend
  • 1% unlimited cashback on all other eligible spends
  • Digital-first card with instant issuance via PayZapp
  • Additional 5% cashback on HDFC SmartBuy platform
  • Dual network option with Visa physical + RuPay digital card

Cons

  • CashPoints redemption restricted to PayZapp wallet only
  • Split limit required for existing HDFC card holders
  • No lounge access or insurance coverage
  • 500 CashPoints monthly cap per category limits high-spenders
  • 3.5% forex markup makes it poor for international use
Read full review
Best for: First-time credit card users looking for an affordable card with basic rewards and dining benefits.
HDFC Titanium Edge

HDFC Titanium Edge

3.0 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹500

#21

Rewards rate

₹0.13 - ₹0.20/₹100

#91

Joining fee

FREE

Interest rate

41.88%

#7
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Dining, Entry Level, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Zero joining fee
  • Annual fee waived on Rs. 50,000 yearly spend
  • 50% extra reward points on dining
  • 1% fuel surcharge waiver
  • Contactless payment enabled
  • Complimentary accidental death insurance up to Rs. 50 lakh

Cons

  • Very low base reward rate (0.13%)
  • No lounge access
  • No welcome bonus
  • 3.5% forex markup is high
  • Card is now discontinued for new applications
Read full review
Best for: Medical professionals who want a dedicated credit card with professional indemnity insurance, dining rewards, and air miles conversion.
HDFC Doctors Superia

HDFC Doctors Superia

2.9 CardNitty rating
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Annual fee

₹1,000

#45

Rewards rate

₹0.50 - ₹0.67/₹100

#86

Joining fee

₹1,000

#43

Interest rate

41.88%

#7
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Dining, Healthcare, Professional, Rewards
View full details
CardNitty's take

Pros

  • Professional Indemnity Insurance up to Rs.20 Lakh - unique benefit for doctors
  • Rs.50 Lakh complimentary accidental death insurance
  • 50% bonus reward points on restaurant dining
  • Low annual fee of Rs.1,000 with easy spend-based waiver
  • Air miles conversion via KrisFlyer programme

Cons

  • No airport lounge access
  • Low base reward rate (2% effective at Rs.0.25 per point)
  • Reward points convertible only to KrisFlyer miles
  • Card sourcing has been discontinued for new applicants
Read full review
Best for: Frequent Taj Hotels guests, luxury travellers, high-net-worth individuals who value premium hotel privileges, exclusive lounge access, and concierge services
HSBC Taj

HSBC Taj

3.2 CardNitty rating
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Annual fee

₹1,10,000

#87

Rewards rate

₹1.01 - ₹3.35/₹100

#51

Joining fee

₹1,10,000

#85

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Co-Branded, Dining, Lounge Access, Premium, Travel
View full details
CardNitty's take

Pros

  • Unlimited global airport lounge access via Priority Pass
  • Complimentary Taj Palace stay and 2 IHCL hotel nights on activation
  • 25% off on stays, dining, spa, and Qmin at Taj properties
  • Exclusive Chambers Lounge and Taj Club Lounge access
  • 4 Blacklane chauffeur-driven airport transfers per year
  • NeuPass Taj InnerCircle Platinum Tier membership
  • BookMyShow BOGO and Starbucks 50% off

Cons

  • Very high joining and annual fee of Rs 1.1 Lakh + GST
  • Base reward rate of 1% is low for the fee bracket
  • Benefits are primarily useful for Taj Hotel guests
  • Forex markup of 3.5% unless you are an HSBC executive banking client
  • Limited to select cities for eligibility
Read full review
Best for: Individuals who spend heavily on dining, food delivery and groceries looking for high cashback with no brand restrictions.
HSBC Live+

HSBC Live+

3.6 CardNitty rating
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Annual fee

₹999

#41

Rewards rate

₹1.50 - ₹7.50/₹100

#14

Joining fee

₹999

#39

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
4/year #38
Min Credit Score
750+ #50
Categories Cashback, Dining, Grocery, Lounge Access
View full details
CardNitty's take

Pros

  • Industry-leading 10% cashback on dining, food delivery and groceries
  • 1.5% unlimited cashback on all other eligible retail spends
  • Low annual fee of Rs 999 easily waived on Rs 2L spend
  • Automatic cashback credit, no redemption hassle
  • 4 complimentary domestic airport lounge visits per year

Cons

  • High forex markup at 3.5%
  • No fuel surcharge waiver
  • Long list of cashback exclusions including utilities, fuel, rent, insurance
  • No international lounge access
  • Available only in select Indian cities
Read full review
Best for: Entry-level cardholders seeking cashback on dining and groceries, frequent UPI users, those wanting affordable airport lounge access
HSBC RuPay Cashback

HSBC RuPay Cashback

2.8 CardNitty rating
APPLY NOW on HSBC Bank's website Rates & Fees

Annual fee

₹499

#9

Rewards rate

₹1.00 - ₹7.50/₹100

#14

Joining fee

₹499

#10

Interest rate

45.00%

#37
Card details
Domestic Lounge
2/year #48
International Lounge
2/year #19
Min Credit Score
700+ #3
Categories Cashback, Dining, Entry Level, Shopping
View full details
CardNitty's take

Pros

  • 10% cashback on dining/grocery/food delivery
  • Affordable ₹499 annual fee
  • Complimentary lounge access (2 domestic per quarter + 2 international per year)
  • 0% forex markup until Dec 2025
  • UPI integration
  • ₹500 welcome cashback + Amazon voucher

Cons

  • Low ₹400 monthly cashback cap
  • No fuel surcharge waiver
  • No insurance coverage
  • Limited to select cities
  • No rewards on many categories
Read full review
Best for: High-net-worth individuals with FUM Rs. 50L+, frequent travelers, golf enthusiasts, premium dining lovers, Priority Banking customers
Standard Chartered Beyond

Standard Chartered Beyond

3.2 CardNitty rating
APPLY NOW on Standard Chartered Bank's website Rates & Fees

Annual fee

₹25,000

#86

Rewards rate

₹2.00 - ₹3.33/₹100

#52

Joining fee

₹15,000

#84

Interest rate

N/A

Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Unlimited domestic & international lounge access with 8 guest visits
  • 3.33% reward rate (Rs. 1 per point)
  • Rs. 15,000 welcome vouchers
  • 2 complimentary golf games per month
  • 25% dining discount via EazyDiner
  • BOGO movie tickets on BookMyShow
  • Low 2% forex markup
  • 15% duty-free cashback
  • Rs. 60,000 milestone on Rs. 20L spend

Cons

  • High FUM requirement (Rs. 50L+)
  • High annual fee (Rs. 25,000)
  • Limited to Priority Banking customers
  • Reduced rate on utilities/insurance (2%)
Read full review
Best for: Young professionals who shop on Myntra, order from Zomato, use Ola, and buy groceries on Blinkit. Ideal for entry-level users wanting instant discounts.
Standard Chartered DigiSmart

Standard Chartered DigiSmart

3.4 CardNitty rating
APPLY NOW on Standard Chartered Bank's website

Annual fee

FREE

Rewards rate

Varies

Joining fee

₹49

#1

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Co-Branded, Dining, Entry Level, Shopping
View full details
CardNitty's take

Pros

  • 20% discount on Myntra (max ₹700/month)
  • 15% cashback on Ola rides (max ₹600/month)
  • 10% off on Zomato and Blinkit
  • Buy 1 Get 1 at INOX on weekends
  • Monthly fee waived on ₹5,000 spend
  • Contactless payment enabled
  • Instant approval with video KYC
  • No reward points complexity

Cons

  • Card discontinued for new applications since Dec 2022
  • No reward points system
  • No airport lounge access
  • High interest rate (45% annually)
  • Limited to specific partner merchants
  • Monthly fee structure (₹49/month)
  • No fuel surcharge waiver
  • Entry-level benefits only
Read full review
Best for: Beginners and everyday spenders who shop at grocery stores, departmental stores, restaurants, and movie theaters regularly.
SimplySAVE SBI Card

SimplySAVE SBI Card

3.3 CardNitty rating
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Annual fee

₹499

#9

Rewards rate

₹1.67/₹100

#71

Joining fee

₹499

#10

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Dining, Entry Level, Grocery, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Affordable Rs. 499 annual fee with easy waiver on Rs. 1L spend
  • 10X reward points on 4 everyday categories (dining, movies, grocery, dept stores)
  • 1% fuel surcharge waiver on all petrol pumps
  • Free add-on cards for family members
  • Flexipay EMI conversion for purchases above Rs. 2,500
  • Available on Visa, Mastercard, and RuPay networks

Cons

  • No airport lounge access
  • No insurance coverage
  • Low base reward rate of 0.17% on non-accelerated spends
  • Redemption fee of Rs. 99 + GST on reward points
  • No reward points on fuel, rent, government, or wallet transactions
Read full review
Best for: Frequent Swiggy users who order food, groceries via Instamart, and dine out regularly. Also great for online shoppers on Amazon, Flipkart, Myntra, and other platforms.
Swiggy HDFC Bank

Swiggy HDFC Bank

3.9 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹500

#21

Rewards rate

₹1.00 - ₹7.50/₹100

#14

Joining fee

₹500

#21

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Cashback, Co-Branded, Dining, Shopping
View full details
CardNitty's take

Pros

  • Industry-leading 10% cashback on Swiggy platform spends
  • 5% cashback on popular online shopping platforms including Amazon and Flipkart
  • Low annual fee of Rs 500 with easy Rs 2 lakh waiver
  • Cashback credited directly as statement credit
  • Mastercard World tier benefits including golf and hotel discounts
  • Complimentary Swiggy One membership worth Rs 1,199 on activation

Cons

  • No airport lounge access
  • No fuel surcharge waiver and fuel spends excluded from cashback
  • High forex markup of 3.5% plus GST
  • Cashback caps limit maximum earning to Rs 3,500 per month
  • Many common categories like rent, wallet, and EMI excluded from earning
Read full review

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