Best Dining Credit Cards in India 2019

Whether you prefer to eat out at restaurants or order food delivery, there are many credit cards in India that can give you extra rewards on your dining spend. We've reviewed a multitude of cards with the best dining benefits so you may choose the right one for you.

Best Dining Credit Cards
Best OverallSC UltimateUp to Rs. 10,000 MakeMyTrip, 3.33% all spend
No FeeVijaya Rupay Credit Card5% cashback dining & utilities, 12 lounge visits/year
SecuredBOB Prime1% cashback, Rs. 15,000 minimum deposit
Wealthy DinersKotak Delight Platinum10% dining/movies; Rs. 10,000 monthly spend minimum
Kotak Feast Gold10% on dining & movies (first 5 transactions)
FoodpandaSBI SimplyCLICK2.5% Foodpanda, Amazon, Cleartrip, BookMyShow & more
TravelJetPrivilege HDFC DinersUnlimited global lounge, free Jet Airways tickets
ShoppingFBB SBI STYLEUP12.5% FBB/Big Bazaar, 2.5% Food Bazaar & dining
WeekendAxis My Zone Card8% weekend dining, 4% weekend shop, 0.80% other (ex. fuel)

Best General Spend Credit Card for Rewards on Dining: Standard Chartered Ultimate Card

Consider this if you can spend enough on the card to offset the annual fees

Age Requirement 21-65
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gift: Up to Rs. 10,000 cashback on MakeMyTrip on tickets booked within 90 days of card issuance

The Standard Chartered Ultimate Card is best-in-market if you want to earn great rewards across all spending categories, including dining. Cardholders will receive a great welcome gift of up to Rs. 10,000 cashback on MakeMyTrip tickets booked in your first 90 days. On general spend, including dining, you'll earn best-in-market 3.33% rupee value back without exclusions (5 points per Rs. 150 spent; 1 point = Rs. 1 cashback). It's a great international travel card too, since its foreign currency transaction fee of 2% is one of the lowest in India.

The card has great perks too, such as 4 airport lounge visits per quarter under the Visa program, and high spenders will get a free monthly Priority Pass visit on minimum monthly spend of Rs. 20,000. Last, you'll get 5% off duty free spend and free golf (including coaching) each month. In sum, apply for this card to earn great rewards on all your spending categories, including on dining.

  • Annual Fee: Rs. 5,000
  • Reward Earn Rate: 5 points per Rs. 150 spent on all transactions; 5% cashback duty free spend
  • Point Value: 1 point = Rs. 1 cashback
  • Perks: Complimentary Priority Pass membership (USD 27/visit, waived once monthly if last month's spend > Rs. 20,000); Visa Lounge access (4 free visits/quarter, major airports in India); 2 free domestic golf games/month (1 free guest game/month), 1 free golf coaching session/month; air accident cover of Rs. 1 crore, emergency medical, bag delay, loss of bags/personal docs, hijacking and flight delay coverage
  • Annual Fee: Rs. 5,000
  • Reward Earn Rate: 5 points per Rs. 150 spent on all transactions; 5% cashback duty free spend
  • Point Value: 1 point = Rs. 1 cashback
  • Perks: Complimentary Priority Pass membership (USD 27/visit, waived once monthly if last month's spend > Rs. 20,000); Visa Lounge access (4 free visits/quarter, major airports in India); 2 free domestic golf games/month (1 free guest game/month), 1 free golf coaching session/month; air accident cover of Rs. 1 crore, emergency medical, bag delay, loss of bags/personal docs, hijacking and flight delay coverage

Best No-Annual Fee Dining Card: Vijaya Bank Rupay (Platinum or Select) Credit Card

Consider this if you're a relatively low spender and want a credit card with no annual fee

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gifts: Rs. 500 Tata Croma voucher; discount up to 15% at Apollo Pharmacy

Vijaya Bank's Rupay Card is a great option if you don't put a lot on your credit card, but want a high return on your dining and utilities spend. You'll earn an excellent 5% cashback on those two categories (top-of-market rate for utilities), up to a maximum Rs. 50 cashback monthly for each. Additionally, the card comes with a nice welcome gift, a Rs. 500 Tata Croma voucher. Last, you'll get great airport lounge access, with eight free domestic and four free international visits per year. If you don't charge too much to your credit card, get the Vijaya Rupay to avoid annual fees and get great return on your dining spend.

  • No Annual Fees
  • Reward Earn Rate: 5% cashback on dining and utilities (max Rs. 50 cashback/month for each category)
  • Perks: 8 free visits/year across 30+ domestic lounges in 11 cities; 4 free/visits year across 500+ international lounges in 300 cities; loss of life and permanent disability insurance
  • No Annual Fees
  • Reward Earn Rate: 5% cashback on utilities and dining (max Rs. 50 cashback/month for each category)
  • Perks: 8 free visits/year across 30+ domestic lounges in 11 cities; 4 free/visits year across 500+ international lounges in 300 cities; loss of life and permanent disability insurance

Best Secured Credit Card for Dining Rewards: BOB Financial Prime Credit Card

Consider this if you have poor or limited credit history

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer

The BOB Financial Prime Card will provide the best cashback value among credit cards against fixed deposit, meant for people with nonexistent, limited or poor credit history. There is a Rs. 15,000 deposit required, which is the lowest of secured credit cards, but there is no annual fee. You'll earn 1% value back on all spend, including dining, which is excellent among secured cards (4 points per Rs. 100 spent, 4 points = Rs. 1). Get the BOB Financial Prime Card to give you good return on your dining spend while you need a secured credit card.

  • Minimum Fixed Deposit: Rs. 15,000
  • No Fees
  • Reward Earn Rate: 4 Reward Points per Rs. 100 spent
  • Point Value: 4 Reward Points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 250 waived per month
  • Minimum Fixed Deposit: Rs. 15,000
  • No Fees
  • Reward Earn Rate: 4 Rewards Points per Rs. 100 spent
  • Point Value: 4 Reward Points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 250 waived per month

Best Credit Cards for Wealthy Diners

Depending on your specific spending habits and annual income, we've recommended two dining credit cards for wealthy individuals

Kotak Delight Platinum Card

Consider this if you spend at least Rs. 10,000 per month on categories other than dining and entertainment

Age Requirement 21-65
Annual Income Requirement None listed by issuer
Bonuses
  • Anniversary Bonus: Spend Rs. 125,000 every 6 months and get Rs. 750 cashback or 4 free PVR tickets

The Kotak Delight Platinum Card gives the highest return on your dining spend in the market. You must be a relatively high spender, as you're required to charge Rs. 10,000 each month on categories other than dining and entertainment to earn rewards. If you do, you'll receive best-in-market 10% cashback on both dining and movies spend (max Rs. 4,000 per transaction, max Rs. 600 cashback per month). No rewards are earned on other transactions, but there is a nice anniversary bonus of Rs. 750 (or 4 free PVR tickets) upon spend of at least Rs. 125,000 each month. In all, get this card if you're a high spender overall, and particularly spend a lot on dining and movies.

  • Joining Fee: Rs. 1,999
  • Annual Fee: Rs. 299
  • Reward Earn Rate: Spend a minimum of Rs. 10,000 monthly on categories other than dining and entertainment and earn 10% cashback on dining (stand-alone outlets) and movies (max transaction Rs. 4,000, max Rs. 600 cashback/month)
  • Fuel Surcharge Waiver: Transactions Rs. 400-4000 (max Rs. 4,500 waived/year)
  • Joining Fee: Rs. 1,999
  • Annual Fee: Rs. 299
  • Reward Earn Rate: Spend a minimum of Rs. 10,000 monthly on categories other than dining and entertainment and earn 10% cashback on dining (stand-alone outlets) and movies (max transaction Rs. 4,000, max Rs. 600 cashback/month)
  • Fuel Surcharge Waiver: Transactions Rs. 400-4000 (max Rs. 4,500 waived/year)

Kotak Feast Gold Card

Consider this if your annual income exceeds Rs. 300,000 and you charge at least Rs. 5,000 per month on your credit card

Age Requirement 21-65
Annual Income Requirement Rs. 300,000 & salaried

The Kotak Feast Gold Card provides the highest return on dining spend as long as you spend Rs. 5,000 per month overall. If you do, you'll receive best-in-market 10% rupee value back (10 points per Rs. 100 spent; 1 point = Rs. 1) on dining and movies (max transaction of Rs. 4,000 and max 600 points per month). Rewards are limited to the first five dining and movie transactions per month, so the 10% value back will be pushed down if you exceed five transactions per month. Be mindful of the Rs. 300,000 income requirement, location restrictions and that the card does not earn rewards on non-dining/movie spend. But, if these criteria are not limiting for you, this will be a great dining card.

  • Annual Fee: Rs. 499
  • Eligible Locations: Ahmedabad, Bangalore, Chennai, Delhi (incl. Gurgaon & Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai & Pune
  • Reward Earn Rate: On total spend of Rs. 5,000/month, earn 10 Dining Points/Rs. 100 spent on dining (stand-alone outlets) and movies (first 5 dining & movie transactions per month, max 600 points/month, max Rs. 4,000/transaction)
  • Point Value: 1 point = Rs. 1
  • Annual Fee: Rs. 499
  • Eligible Locations: Ahmedabad, Bangalore, Chennai, Delhi (incl. Gurgaon & Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai & Pune
  • Reward Earn Rate: On total spend of Rs. 5,000/month, earn 10 Dining Points/Rs. 100 spent on dining (stand-alone outlets) and movies (first 5 dining & movie transactions per month, max 600 points/month, max Rs. 4,000/transaction)
  • Point Value: 1 point = Rs. 1

Best Credit Card for Foodpanda Online Delivery: SimplyCLICK SBI Card

Consider this if you love ordering food for delivery

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses & Promotions
  • Welcome Gift: Rs. 500 Amazon.in gift card
  • Anniversary Bonus: Rs. 2,000 Cleartrip voucher each on annual online spend of Rs. 100,000 and Rs. 200,000
  • Promo: Rs. 100 cashback on first movie ticket with BookMyShow & 40% off UrbanClap for first time users - valid till March 31, 2019

SBI's SimplyCLICK Card is the best dining credit card for Foodpanda, and also provides great travel, shopping, grocery and entertainment rewards. Cardholders will net a great 2.50% rupee value back (10 points/Rs. 100 spent; 4 points = Rs. 1) on Foodpanda, Cleartrip (travel), Amazon (shopping & groceries) and BookMyShow (movies), as well as on Lenskart and UrbanClap. You'll also receive good 1.25% value on other online spend, and below average 0.25% value on all other card charges.

The card's Rs. 500 Amazon voucher welcome gift is nice, but the Cleartrip voucher anniversary bonuses will be tough to earn unless you're a very high online spender. So, get this card if you want great value back on your Foodpanda spend, as well as on travel, shopping, online grocery orders and movies.

  • Annual Fee: Rs. 499 (after first year waived on annual spend of Rs. 100,000)
  • Reward Earn Rate: 10 points/Rs. 100 on Foodpanda, Amazon, Cleartrip, BookMyShow, Lenskart, UrbanClap; 5 points/Rs. 100 on other online spend; 1 point/Rs. 100 on all other spends
  • Point Value: 4 points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 500-3,000 (max waived Rs. 100/month)
  • Annual Fee: Rs. 499 (after first year waived on annual spend of Rs. 100,000)
  • Reward Earn Rate: 10 points/Rs. 100 on Foodpanda, Amazon, Cleartrip, BookMyShow, Lenskart, UrbanClap; 5 points/Rs. 100 on other online spend; 1 point/Rs. 100 on all other spends
  • Point Value: 4 points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 500-3,000 (max waived Rs. 100/month)

Best Credit Card for Air Travel and Dining: JetPrivilege HDFC Bank Diners Club Credit Card

Consider this if you fly Jet Airways and want to earn rewards on general dining

Age Requirement 21-60 (65 if self-employed)
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gift: 1) 15,000 JPMiles (worth ~Rs. 6,750), 2) waiver of 1-way base fare Economy Class ticket, 3) Rs. 750 voucher for return ticket, 4) 15 JetPrivilege Tier Points upon first swipe > Rs. 50 and 5) an extra 15,000 JPMiles on Rs. 150,000 of spend within first 90 days
  • Renewal Bonus: 1) 10,000 JPMiles (worth ~Rs. 4,500), 2) waiver of one-way base fare Economy Class ticket, 3) Rs. 750 voucher for return ticket and 4) 5 JetPrivilege Tier Points

Primarily designed as an airline card, the JetPrivilege HDFC Diners Club Credit Card is also great for its rewards from flexible dining spend. The credit card's annual fees (Rs. 15,000 over two years) are certainly outweighed by the welcome gift & renewal bonus totalling 25,000 JPMiles (worth about Rs. 11,250), 2 one-way base fare waivers and Rs. 1,500 in return ticket waivers, collectively the biggest value source of the card. If you're a high spender, you'll also receive a bonus of 15,000 JPMiles (~Rs. 6,750) on spend of Rs. 150,000 in your first 90 days as a cardholder.

On top of the bonuses, the card earns a great 2.4% rupee value back (8 JPMiles per Rs. 150; 1 JPMile = ~Rs. 0.45) on general spend (except fuel), including dining. You'll get an increased rate of 7.2% rupee value back (24 miles per Rs. 150) on Jet Airways bookings, plus 5% off base fare air tickets. Last, you'll get JetPrivilege Tier Points based on spend level and Diners Club Lounge access. Especially if you’re a Jet Airways flier, there’s no more valuable card out there for flexible dining and airline rewards.

  • Annual Fee: Rs. 10,000 (first year), Rs. 5,000 (beyond first year)
  • Earn Rate: 8 JPMiles/Rs. 150 spent except fuel; 3X miles & 5% off Jet Airways base fare
  • Est. Point Value: 1 JPMile = Rs. 0.45
  • Perks: Diners Club Lounge access (600+ lounges globally); unlimited free golf games (green fee waiver) at ~20 courses in India & 40 worldwide; free golf lesson at select ranges in India; domestic airport premiere check-in & extra baggage allowance; earn JP Tier Points; dining discounts
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 1,000 waived per month
  • Annual Fee: Rs. 10,000 (first year), Rs. 5,000 (beyond first year)
  • Earn Rate: 8 JPMiles/Rs. 150 spent except fuel; 3X miles & 5% off Jet Airways base fare
  • Est. Point Value: 1 JPMile = Rs. 0.45
  • Perks: Diners Club Lounge access (600+ lounges globally); unlimited free golf games (green fee waiver) at ~20 courses in India & 40 worldwide; free golf lesson at select ranges in India; domestic airport premiere check-in & extra baggage allowance; earn JP Tier Points; dining discounts
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 1,000 waived per month

Best Credit Card for Dining & Shopping: FBB SBI STYLEUP Contactless Card

Consider this if you shop at Big Bazaar, including Food Bazaar & FBB

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gift: Rs. 500 FBB gift voucher
  • Renewal Gift: 2,000 Reward Points (worth Rs. 500)

The FBB SBI STYLEUP Contactless Credit Card is the best for earning general dining rewards combined with top-of-market shopping benefits. First, you'll earn a great 2.5% on all dining expenses as well as from shopping at Food Bazaar (10 points/Rs. 100 spent; 1 point = Rs. 0.25). But, top value comes from shopping at FBB or Big Bazaar outlets, where you'll receive 10% off plus an extra 2.5% via rewards. All other spend (except fuel) generates a below average 0.25% rupee value back (1 point per Rs. 100). Get this credit card if you want great dining rewards and you shop at the Big Bazaar family of stores.

  • Annual Fee: Rs. 499
  • Welcome Gift: Rs. 500 FBB gift voucher
  • Renewal Gift: 2,000 Reward Points
  • Earn Rate: 1 Reward Point per Rs. 100 spent except on Fuel; 10X points and 10% cashback on FBB / Big Bazaar; 10X points on Food Bazaar; 10X points on dining
  • Point Value: 1 Reward Point = Rs. 0.25
  • Fuel Surcharge Waiver: Transaction range Rs. 500 – 3,000
  • Annual Fee: Rs. 499
  • Welcome Gift: Rs. 500 FBB gift voucher (conditions apply)
  • Renewal Gift: 2,000 Reward Points
  • Earn Rate: 1 Reward Point per Rs. 100 spent except on Fuel; 10X points and 10% cashback on FBB / Big Bazaar; 10X points on Food Bazaar; 10X points on dining
  • Point Value: 1 Reward Point = Rs. 0.25
  • Fuel Surcharge Waiver: Transaction range Rs. 500 – 3,000

Best Credit Card for Weekend Dining: Axis Bank My Zone Card

Consider this if you like to eat out a lot on the weekends

Age Requirement 18-70
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gift: 100 points (worth Rs. 40 Yatra Vouchers) on first online transaction

Axis's My Zone Card is the best credit card for unlimited weekend dining rewards. You'll earn excellent 8% rupee value back (40 points per Rs. 200 spent; 1 point = Rs. 0.40 Yatra vouchers) on such spend, with no limit to how many points you can earn. You'll also get great 4% value back on weekend shopping (20 points per Rs. 200 spent) and great 0.80% back (4 points per Rs. 200 spent) on all other spend except fuel. There is only a nominal welcome gift worth Rs. 40 in Yatra vouchers, but the card has a nice perk of 1 free visit per quarter at domestic airport lounges. Go for this card if value getting great return for your money on your weekend dining and shopping spend.

  • Annual Fee: Rs. 500 (in first year, waived on Rs. 5,000 spend in 45 days)
  • Reward Earn Rate: 40 points/Rs. 200 on weekend dining; 20 points/Rs. 200 spent on weekend shopping; 4 points/Rs. 200 spent on all else (except fuel & movies); 25% cashback on movies (max 1,000 cashback/yr)
  • Point Value: 1 point = Rs. 0.40 Yatra vouchers
  • Perks: 1 free visit/quarter to select domestic lounges (10 lounges across 5 cities)
  • Fuel Surcharge Waiver: Transactions Rs. 400-4,000 (max Rs. 400 waived/month)
Dan Grossman

Dan is a Senior Research Analyst at ValueChampion India, focusing on credit cards. He holds a B.S. in Mathematics & Economics from the University of Michigan, and previously worked in the financial services industry at Capital One and Moelis & Company.