- Joining FeeLifetime Free
- Annual FeeLifetime Free
- Best Suited ForFood
- Rewards TypeReward Points
Rewards Rate
2 Reward Points/Rs. 100 Spent. 2X EazyPoints on Dining Spends
Welcome Benefits
3-Month EazyDiner Prime Membership and 500 Bonus EazyPoints
Best Credit Cards for Food Ordering and Dining in India
- Updated On: 2 June, 2026
Good food has the power to cure all. That’s why having a dining credit card can be a much-needed and necessary investment. Nowadays, weekend dining or ordering food from online platforms like Swiggy and Zomato has become quite common. However, we often have to face surging food delivery prices and high costs. But you can avoid these extra expenses by using specific credit cards designed for food delivery platforms and luxury dining experiences. These credit cards offer discounts and offers that can help you save money on your expenses made through online food platforms. Additionally, you can even pay your dine-in bills with these credit cards through popular apps like Swiggy and Zomato.
Imagine you go out for dinner with your family, and after finishing your meal, you receive the bill, which is ₹7,000. If you don’t have a credit card, you’ll have to pay the total amount. However, if you have the right credit card, you can easily get a discount of up to 15%, 20%, or even 50% on your bill. Our article on the best credit cards for food and dining can help you achieve this. With our list, you can save a significant amount of money on your next dining or food-ordering experience.
List of Top Food and Dining Credit Cards in India
Start saving on every meal and dining experience with a suitable credit card. Here are our top credit card picks in India’s food and dining category.
- Joining Fee₹500 + GST
- Annual Fee₹500 + GST
- Best Suited ForDining | Food
- Rewards TypeCashback
Rewards Rate
5% Cashback on Swiggy App Spends (Food Delivery, Instamart, Dineout) and Select Online Categories Such as Apparel, Pharmacies, Pet Stores, Personal Care, Electronics, Entertainment, Travel, Discount Stores & Local Cabs; 1% Cashback on Other Eligible Spends
Welcome Benefits
Free 12-Month Swiggy One Membership
- Joining Fee₹1,000 + GST
- Annual Fee₹1,000 + GST
- Best Suited ForDining | Food
- Rewards TypeCashback
Rewards Rate
10% Cashback On Swiggy App Spends (Food Delivery, Instamart, Dineout) – Up To ₹1,500/Month; 5% Cashback On Select Online Categories – Up To ₹1,500/Month; 1% Cashback On Other Spends – Up To ₹1,000/Month (Exclusions Apply)
Welcome Benefits
3 Month Swiggy BLCK Membership
- Joining Fee₹2,999 + GST
- Annual Fee₹2,999 + GST
- Best Suited ForTravel | Food
- Rewards TypeReward Points
Rewards Rate
10 Reward Points for Hotel, Travel, Shopping, and Entertainment Spends (~1%). 4 Reward Points/₹100 on All Other Spends (~0.4%)
Welcome Benefits
2,000 Bonus EazyPoints, Complimentary Membership of EazyDiner Prime, and Postcard Hotel Stay Voucher Worth ₹7,500
- Joining Fee₹1,000 + GST
- Annual Fee₹1,000 + GST
- Best Suited ForMovies | Travel | Food
- Rewards TypeReward Points
Rewards Rate
4 Reward Points/₹200 on Retail Spends (0.5%) | 5X Reward Points (20 RPs/₹200) on Swiggy & Zomato (2.5%)
Welcome Benefits
Complimentary Membership of Swiggy One & Times Prime
- Joining Fee₹1,000 + GST
- Annual Fee₹1,000 + GST
- Best Suited ForShopping
- Rewards TypeCashback
Rewards Rate
5% Cashback Up to 1,000 CashPoints at Top Ten Online Merchants in India. 1% Cashback Up to 1,000 CashPoints on Other Eligible Spends
Welcome Benefits
1,000 CashPoints
Compare Credit Cards for Discounts and Offers on Food
| Credit Cards | Annual Charges | Offers on Dining | Offers on Online Food Ordering | Complimentary Memberships |
| EazyDiner IndusInd Bank Platinum Credit Card | Lifetime Free | 25% Discount With EazyDiner and Additional Instant 20% off Dining Bill (Up to ₹500) | Nil | 3-Month EazyDiner Prime Membership |
| Swiggy Ornge HDFC Bank Credit Card | ₹500 + GST | 5% Cashback on Swiggy App Spends (Dineout) | 5% Cashback on Swiggy App Spends (Food Delivery and Instamart) | Free 12-Month Swiggy One Membership |
| Swiggy BLCK HDFC Bank Credit Card | ₹1,000 + GST | 10% Cashback on Swiggy App Spends (Dineout) | 10% Cashback on Swiggy App Spends (Food Delivery and Instamart) | 3 Month Swiggy BLCK Membership |
| EazyDiner IndusInd Bank Credit Card | ₹2,999 + GST | -25% Off With Free EazyDiner Membership
-Additional 25% Off Up to ₹1,000 (Via PayEazy) -Complimentary Premium Beverages |
Nil | Free 12-Month EazyDiner Prime Membership |
| HDFC Diners Club Privilege Credit Card | ₹1,000 + GST | 20% Off on Restaurant Bills Via Swiggy Dineout | 5X Reward Points on Swiggy and Zomato | Free 12-Month Swiggy One Membership |
| HDFC Bank Millennia Credit Card | ₹1,000 + GST | 20% Off on Restaurant Bills Via Swiggy Dineout | 5% Cashback on Swiggy and Zomato | N/A |
Review of Food & Dining Credit Cards
Let us review all the main features of some of the top dining credit cards in India. With our review of all these features and benefits, you can easily make the right choice when choosing your credit card.
EazyDiner IndusInd Bank Platinum Credit Card
One of the most recent additions to the portfolio of IndusInd Bank, the EazyDiner IndusInd Bank Platinum Credit Card, is a lifetime free offering. This is the basic version of the EazyDiner Credit Card.
- Enjoy a 25% discount on your restaurant bill when you pay with the EazyDiner Platinum Credit Card (EazyDiner Membership Benefit).
- Additionally, get an extra 20% discount of up to ₹500 when paying with the EazyDiner app using your EazyDiner Platinum Credit Card with PayEazy.
- Earn 2 Reward Points on every INR 100 spent, except on fuel, insurance, rent, utility, and government.
Swiggy Ornge HDFC Bank Credit Card
The HDFC Swiggy Credit Card has to be one of the most popular food and dining credit cards in India today, second only to the premium Swiggy BLCK Credit Card. A major reason behind its popularity is the absence of a dedicated Zomato co-branded credit card, making it the go-to option for users looking to save on food delivery, grocery orders, and dining spends.
With cashback on Swiggy transactions, a complimentary Swiggy One membership, and a low annual fee, the card offers excellent value for everyday users. For those who frequently order food online or use Swiggy’s growing ecosystem of services, the HDFC Swiggy Credit Card remains one of the most rewarding and accessible options in the market.
EazyDiner IndusInd Bank Credit Card
IndusInd Bank launched an exciting credit card in collaboration with EazyDiner, a popular online app for dining and table reservations. The card offers cardholders 2,000 bonus rewards and a complimentary EazyDiner Prime membership that automatically gets renewed every year as a welcome benefit. You can earn a decent reward rate on every category of spend and also get accelerated points for dining transactions made through the EazyDiner app.
- Get a 25% discount on your dining bills when you pay through Payeazy on the EazyDiner app (EazyDiner Membership Benefit).
- Get an additional 25% discount by paying your bills using an EazyDiner IndusInd Bank Credit Card via PayEazy on the EazyDiner app. However, the extra discount is not applicable to consecutive transactions made within 120 minutes at the same restaurant.
Also Check Out – IndusInd Bank EazyDiner Signature Vs Platinum Credit Card
HDFC Diners Club Privilege Credit Card
The HDFC Bank Diners Club Privilege Credit Card is a rewarding lifestyle credit card that offers a good mix of travel, dining, entertainment, and shopping benefits. Food lovers will appreciate the complimentary Swiggy One membership that comes as a welcome benefit. In addition, cardholders earn 20 Reward Points for every ₹150 spent on Swiggy and Zomato, with bonus reward points capped at 2,500 per month.
Apart from dining benefits, the card also offers complimentary airport lounge access, Buy One Get One movie ticket offers, and several other lifestyle privileges. With its affordable fee and well-rounded benefits, the Diners Club Privilege Credit Card is a strong option for those looking to maximize rewards on everyday spending while enjoying travel and entertainment perks.
HDFC Bank Millennia Credit Card
The card designed for the Millennials, HDFC Bank Millennia Credit Card, is the perfect card for those of a young heart and mind. This card offers free lounge access, cashback on popular platforms, and much more.
- Get 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato.
- 1% cashback on all other online and offline spends.
How We Came Up With Our List?
Our team at Card Insider conducted thorough research to find the best credit cards for food and dining. With their personal passion for food, they remained dedicated to their work and focused on the task at hand. With our list of recommended food credit cards, you can enjoy rewarding dining experiences while also taking advantage of offers on popular platforms like Swiggy and Zomato, saving you money.
Bottom Line
To save money, it’s best to pay your dining bills through online platforms such as EazyDiner, Zomato, and Swiggy. These apps offer various discounts on different credit and debit cards. By exploring these options, you can save a considerable amount of money. Additionally, if you frequently dine out, using credit cards would lead to significant savings.
Our list features some of the best credit cards in India for food and dining. If we missed any cards or you have any thoughts to share, let us know in the comments below.
FAQs:
Which is the best credit card for dining?
The EazyDiner IndusInd Bank Credit Card is considered to be one of the best cards for a dining experience. Launched by IndusInd Bank with the association of EazyDiner, you can easily get dining discounts of up to 50%.
I want to order food from Zomato; which credit card is best?
The HDFC Bank Millennia Credit Card is a mid-level credit card that comes at an affordable joining fee of ₹1,000. You shall get a 5% discount on both Zomato and Swiggy with this card.
Which is the best credit card for Swiggy?
Without any doubt, the Swiggy HDFC Bank Credit Card should be everyone’s go-to choice while ordering from Swiggy. This card would offer you a straight 10% cashback on all your purchases made on Swiggy, along with a complimentary Swiggy One membership.
2 comments
RAKESH
AXIS MY ZONE SWIGGY OFFER REMOVED LONG BACK, PLEASE UPDATE
Kartik Kanwar
If you want you can check the official website. The Swiggy offer is still valid.