#1
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Best for · Restaurants
Best Credit Card for Dining + Restaurants in India (2026)
SBI Card Pulse (5% on dining), HDFC Diners Club Black (4 reward points per ₹150), Amex Platinum (5x via Fine Hotels + Resorts program) for restaurant spend.
Dining-out spend in metros runs ₹8-20K/month for couples + 30s urban professionals. Co-branded dining cards (EazyDiner, Zomato Gold) layer with credit-card rewards. The best stack: SBI Card Pulse at 5% on dining (POS + online) + EazyDiner free dining nights monthly + Amex Platinum's Fine Hotels + Resorts program for premium restaurant experiences.
Typical spend in this category: ₹4,000–18,000/month
Why these specific cards
SBI Card Pulse: 5% cashback on dining (POS + online including Swiggy/Zomato). HDFC Diners Club Black: 4 reward points per ₹150 (~2.7%) + SmartBuy redemption at 1:1. Amex Platinum: 5x reward + Fine Hotels + Resorts program at premium restaurants. IndusInd EazyDiner: 5x EazyDiner points + free EazyDiner Prime membership.
Top 4 cards for restaurants
Curated picks based on category-specific reward rates and fit. See our rating methodology for how we evaluate.
#2
HDFC Bank
HDFC Diners Club Black Credit Card
★★★★★ 4.8
Annual fee
₹10,000
Joining fee
₹10,000
Base reward
5%
#3
American Express
American Express Platinum Card
★★★★★ 4.9
Annual fee
₹60,000
Joining fee
₹60,000
Base reward
3%
#4
IndusInd Bank
IndusInd EazyDiner Platinum Credit Card
★★★★☆ 4.0
Annual fee
₹1,999
Joining fee
₹0 LTF
Base reward
4%
What to evaluate before picking
- POS dining (restaurant swipe) vs online (delivery) ratio
- Premium-restaurant experience perks (Amex Centurion, Diners Club access)
- Annual fee justification (₹2,500-10K) for moderate dining users