Synopsis: Who doesn’t love spending nights on good restaurants and good foods, but most of us hold back the urge because of the high prices that sometimes look unaffordable. The good news is that you don’t need an expensive premium credit card to save on food anymore. With the right low-fee dining credit cards that allows you to save more than 15% and a flat 100-200 off, you can save the maximum amount even on your regular food spending.
Food today is more than just a necessity. It’s comfort, celebration, and often a small reward we give ourselves. But rising restaurant prices, delivery charges, and platform fees make dining feel heavier on the wallet than before. This is where low-fee dining credit cards make a real difference.
These cards offer cashback, reward points, or instant discounts on restaurant bills, food delivery apps, cafés, and everyday dining spends without charging high annual fees. Whether you prefer ordering from Swiggy or Zomato, or dining out on weekends, there’s a budget-friendly card that fits your habits.
Scroll down to explore the best low-fee dining credit cards for 2026 and choose one that helps you enjoy your meals while keeping your spending under control.
Lifetime-free Card
1. Indusland Eazydiner Platinum Credit Card
- Joining Fee: ₹0
- Annual Fee: ₹0 (Lifetime Free)
- Fee Waiver: Not applicable, as the card has no annual charges
Dining/food benefits
- Extra instant INR 500 off on dining out
- Avail an EXTRA 20% OFF up to INR 500 when you eat out & pay on the app via PayEazy. This offer is valid on take-away as well (capped at 3 times usage a calendar month).
- Exclusive Extra 20% OFF up to INR 500 is applicable through EazyDiner IndusInd Bank Platinum Credit Card only on paying on the EazyDiner App via PayEazy (Not be applicable if paid through other payment mode i.e. physical card, other cards, UPI, wallets, etc.
Welcome offer
- 500 welcome bonus EazyPoints
- Enjoy 3 months EazyDiner Prime membership worth INR 1,095.
- Enjoy GUARANTEED 25% up to 50% OFF at over 2000+ premium restaurants & bars
- Enjoy prime-exclusive benefits like 2X EazyPoints and redeem them for FREE luxury hotel stays & FREE meals
Other benefits
- Earn 2 Reward Points on every INR 100 spent, except on Fuel, Insurance, Rent, Utility and Government
- Earn 0.7 Reward Points on Insurance, Rent, Utility and Government spends
- Get 2X EazyPoints using your EazyDiner IndusInd Bank Credit Card
- Redeem EazyPoints for FREE hotel stays, meals & exclusive restaurant events across the country.
Low-Fee Cards (under ₹500)
2. Axis Ace Card
- Joining Fee: ₹499+taxes (sometimes zero on offer)
- Annual Fee: ₹499+taxes (waived on spending above 2 lakh annually)
- Best Suited For: People who prefer ordering online food frequently and prefer dining outside.
Dining / Food Benefits:
- Get up to 4% cashback on food orders via Zomato, Swiggy and Ola.
- Get up to 20% off on dining at 4,000+ partner restaurants via Axis Bank Dining Delights Program.
Other Benefits:
- Get up to 5% cashback on bill payments, mobile recharges and DTH via Google Pay.
- 5% cashback on all other spends
- 1% fuel surcharge waiver
3. Swiggy HDFC Bank Credit Card
- Joining Fee: ₹500+ taxes
- Annual/renewal fee: ₹500 + taxes (waived off on spending above ₹2,00,000 per year)
- Best Suited For: People who order food frequently from Swiggy and often opt for dineout.
Key benefits:
- Get a complimentary Swiggy One Membership for 3 months on card activation
- 10% Cashback on dineout via Swiggy app (also on food orders, genie and instamart)
- 5% CashBack on spending online on selected categories
Other benefits:
- Earn up to 50 days of interest-free Credit after purchasing the card
- 1% cashback on other eligible purchases
- 12 free golf lessons per year worldwide and
- 4 complimentary rounds of green fees per calendar year
4. Axis Bank My Zone Credit Card
- Joining Fee: ₹500 (Zero for Visa network)
- Annual / Renewal Fee: ₹500 (Zero for Visa network)
- Best Suited For: People who prefer instant food discounts and entertainment perks without tracking reward points or cashbacks.
Dining/food benefits:
- Flat Rs 120 off on Swiggy food delivery on a minimum order of Rs 500, twice a month.
- 15% off dining bills of ₹2,500 or more via the EazyDiner program, once per month.
Other benefits:
- Complimentary SonyLiv Premium annual subscription worth Rs 1,499.
- Enjoy complimentary lounge access on selected airports per calendar quarter on spending above Rs 50,000 in 3 months
- Earn four EDGE Reward points on every Rs 200 spent via card
- Enjoy 100% discount on your second movie ticket
Mid Range Cards (Under 1000)
5. HSBC Live+ Credit Card
- Joining Fee: ₹999 + taxes
- Annual/renewal fee: ₹999 + taxes(waived off on spending above ₹2,00,000 per year)
Dining/Food benefits:
- 10% cashback on dining, food delivery & groceries (capped at ₹1,000/month)
- Exclusive deals up to 15% off through Live+ Dining Programme in India and around Asia
Welcome Benefits:
- ₹1,000 cashback on ₹20K spends in first 30 days
- ₹250 Amazon eGift Voucher on online application + VKYC
Other benefits:
- Get Rs 1,000 cashback as a welcome bonus (on spending above Rs 20,000 within 30 days)
- Earn 1.5% unlimited cashback on other spends (selected categories)
- Get Amazon eGift Voucher worth Rs 250 after completing the KYC
- Earn 1.5% unlimited cashback on movie tickets
- 4 complimentary domestic airport lounge annually (One visit per quarter)
6. Diners Club Privilege Credit Card
- Joining Fee: ₹1000 + taxes
- Annual/renewal fee: ₹1000 + taxes(waived off on spending above ₹3 lakh per year)
Dining/Food benefits:
- Get additional 10% off on dineout bill on selected restraunts
- Accelerated 4X reward points capped at 2500 reward points per calendar month
- 5X reward points on Swiggy and Zomato
- Complimentary Annual membership of Swiggy One on spending above Rs 75000 within 90 days of joining
Other benefits:
- Earn 4 reward point on every Rs 150 retail spend
- Rs 1500 worth Marriott, Decathlon and more vouchers on spending above Rs 1.5 lakh
- Get up to 50 days Interest free credit period
- Buy One Get One’ On BookMyShow
- 5x Reward Points On Swiggy & Zomato
- 8 Free Airport Lounge Access Worldwide
Final words
At the end of the day, dining outside should not feel like burning a hole in your pocket. With so many of the above-listed cards you have the best money tools that actually save you a lot whether you dine out casually or celebrate occasionally.
These options might help you to choose a card that fits naturally into your lifestyle. Over time, those small discounts and cashbacks can make a big impact on your expenses. In 2026, smart dining should be all about making everyday spending a little more rewarding, without paying more than necessary.
Written by: Supriya
