Synopsis: Love dining out or ordering food? You could be losing thousands every year without the right dining card. Discover the 7 credit cards that give the highest savings in 2026, cashback, discounts, lounge access, and more. Don’t overspend when you can save effortlessly.
Food is not just food for survival anymore it’s comfort, celebration and to a certain point it reflects our lifestyle. But with these rising restaurant prices, platform fees and delivery fees, don’t we all need a way to save a little extra money?
That’s where the dining credit card helps. It offers rewards and cashbacks to users spending on dine outs, food delivery, coffee shops, bars and even in foreign restaurants. So, if you are a foodie or a traveller, a dining card is a must for you to keep enjoying good foods without stressing about your budget.
IndusInd Bank EazyDiner Credit Card
- Joining Fee: ₹2,999 + taxes
- Annual/renewal fee: ₹2,999 + taxes
Eligibility: The applicant must be an Indian resident and at least 18 years old and not more than 75 years old. You should have a stable income if you are salaried or self employed. The minimum income requirement for a salaried person is ₹20,000 per month.
Key benefits
- Get guaranteed 25% to 50% off at over 2000+ premium restaurants & bars (capped at Rs 2,000, to upgrade to Rs 3000, spend min. Rs 30,000 on non-dining transactions).
- Enjoy complimentary premium alcoholic beverages over 200 select restaurants
- Complimentary 12 months EazyDiner Prime membership worth INR 3,550
- 2000 welcome bonus EazyPoints
- Voucher of The Postcard Hotel as a welcome offer worth Rs 7500
Other benefits
- Earn 10 Reward Points on every ₹100 spent on hotel, shopping, travel booking and entertainment
- Earn 4 Reward Points on every Rs 100 spent on other categories (dining and fuel not included)
- 1% fuel surcharge waiver
Perfect for people who love eating out, enjoy going to cafés, rooftop restaurants, or weekend dinners. The card offers instant and big discounts at EazyDiner partner restaurants. This card makes dining out feel premium and still keeps your bill light.
HDFC Bank Swiggy Credit Card
- Joining Fee: ₹500+ taxes
- Annual/renewal fee: ₹500 + taxes (waived off on spending above ₹2,00,000 per year)
Eligibility: Applicant must be an Indian citizen around the age of 21-60 years if salaried (min. 15,000 per month). If self employed the age range required is 21-65 years and annual ITR above ₹6,00,000.
Key benefits
- Complimentary 3 months Swiggy One Membership on card activation
- 10% Cashback on spending on Swiggy app (food orders, dineout, genie, instamart)
- 5% CashBack on spending online on selected categories
Other benefits
- Earn up to 50 days of interest-free Credit after the card purchase
- 1% cashback on other purchases (except fuel, rent, taxes, jewellery)
- Access to golf courses worldwide and 12 free lessons per year
- 4 complimentary rounds of green fees per calendar year
Perfect for people who order food very often and if your life survives on Swiggy, sushi Sundays, biryani Mondays, coffee every day, this card gives the highest savings. This is the most practical everyday dining card for 2026.
HDFC Diners Club Privilege Card
- Joining Fee: ₹1,000 + taxes
- Annual/renewal fee: ₹1,000 + taxes (waived off on spending above ₹3,00,000 per year)
Eligibility: Applicant must be an Indian citizen around the age of 21-60 years if salaried (often ₹35,000/month for salaried, depending on bank assessment). If self employed the age range required is 21-65 years
Key benefits
- Get 5x Reward Points On Zomato & Swiggy
- Complimentary Swiggy One and Times Prime membership (on spending above Rs 75,000 within 90 days)
- Enjoy vouchers worth Rs 1,500 for Marriott experience or Barbeque nation or Decathlon or O2 spa or Lakme Salon (on spending above Rs 1.5 lakhs)
- Earn 20 reward points on every Rs 150 spent through Zomato or Swiggy
Other benefits
- Gift Vouchers of Marriott, Decathlon & more worth ₹1,500 (on spending ₹1,50,000 per quarter)
- Buy 1 Get 1 free offer on booking tickets via BookMyShow
- Earn 4 points for every ₹150 on other spends
- Earn 10X points on spending through SmartBuy
- 2 complimentary lounge access quarterly
- Earn up to 50 days of interest-free Credit after the card purchase
- Travel insurance worth $125,000
Perfect for people who want rewards + premium perks. This card gives strong reward points on dining and pairs it with lifestyle benefits like memberships and lounge access.
SBI Card PRIME Credit Card
- Joining Fee: ₹2,999 + taxes
- Annual/renewal fee: ₹2,999 + taxes
Eligibility: Applicant must be an Indian citizen min.18 years old and if salaried the min. Income should be Typically ₹30,000 per month
Key benefits
- Welcome e-gift voucher worth Rs 3000
- Get a Pizza Hut e-Voucher worth Rs. 1,000 on spending Rs 50,000 per quarter
- Earn 10 Reward Points per Rs.100 spent on Dining, grocery shopping, departmental store purchases and movies
Lounge Access
- Domestic: 8 complimentary visits/year (max 2 per quarter)
- International: 4 complimentary visits/year (Priority Pass membership + 4 free visits)
Other benefits
- Earn e-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons (on spending above Rs 5 lakhs annually)
- Complimentary 1-year Club ITC Silver Tier Membership
- Get 20 Reward Points per Rs. 100 spent on your birthday (capped at Rs 2000 per year)
- Get 2 Reward Points per Rs. 100 on other spends except fuel (4 Reward Points = ₹1, approx 25 paise per RP)
- 15% discount on F&B at Lalit Hotels
- Get exclusive offers over 900 luxury hotels worldwide
- Save up to 10% on Hertz car rental and up to 35% on Avis Car Rentals
- 1% Fuel Surcharge Waiver (min. Transaction Rs 500-4000)
- Get 4 rounds Complimentary green fees access and up to 50% off on golf games
- Free 1 complimentary lesson per month on selected golf courses in India
Perfect for people who want a card that does everything. Not just dining, this card offers benefits on shopping, travel, utilities, and much more. For someone who wants one strong all-rounder, PRIME is a safe choice.
Kotak Delight Platinum Credit Card
- Joining Fee: ₹1999 + taxes
- Annual/renewal fee: ₹299 + taxes
Key benefits
- 10% cashback on dining + movies (max ₹600/month) if spending ₹10,000+ on other categories in the billing cycle.
- Fuel surcharge waiver (1% on eligible fuel spends, annual cap).
- Railway surcharge waiver up to ₹500/yr.
- Milestone rewards: 4 PVR tickets or ₹750 cashback every ₹1.25 lakh spend in 6 months.
- Interest-free credit period (up to 48 days).
- International use with Visa network (but forex markup applies).
Perfect for: People who love easy rewards. No complicated reward programs. No tracking points. Just simple, flat savings.
HSBC Live+ Credit Card
- Joining Fee: ₹999 + taxes
- Annual/renewal fee: ₹999 + taxes(waived off on spending above ₹2,00,000 per year)
Eligibility: Applicants must be an Indian citizen within the age bracket of 18 to 65 years. They must have a stable income. If salaried the minimum income should be Rs 600,000 per year.
Key benefits
- 10% cashback on dining, food delivery & groceries (up to ₹1,000/month cap)
- Exclusive deals like 15% off with their 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)
Which Dining Card Should You Choose?
Choosing the best dining card can make your daily food spending lighter without any extra work. If you often visit restaurants, a card linked with dining platforms, like the IndusInd EazyDiner Card, will help you save the most and if you like to order on food delivery apps, then the HDFC Swiggy Card is the best choice for you. For people who want value along with savings, you must blindly go for HDFC Diners Club Privilege and SBI PRIME cards.
Conclusion
Dining credit cards can make a noticeable difference in your monthly expenses without changing the way you eat. Whether you enjoy restaurant meals, order food online, or both, there is a card that matches your habits. By choosing the card that fits your lifestyle, you can enjoy your favourite meals while saving money effortlessly. In 2026, these cards are smarter and more rewarding than ever, and the right one can turn everyday spending into long-term value.
FAQs
1. Do dining credit cards only work at restaurants?
No. Most of them work on food delivery platforms like Swiggy, Zomato, and dine-out platforms.
2. Which card gives the highest online food savings?
The HDFC Swiggy Credit Card is best for online food delivery.
3. Are these benefits available across India?
Yes, but specific offers depend on partner restaurants in each city.
4. Can I use more than one dining card?
Yes, many people use one card for food delivery and another for dine-out savings to maximise benefits.
5.Do dining credit cards work on food delivery apps?
Yes, many dining cards offer cashback or rewards on Swiggy, Zomato, and similar services.
Written By: Supriya
