Cardology › Guides

Best credit cards for dining out (2026)

Dining cards pay through cashback on restaurant bills or through discounts booked via a dining app. Here's what each returns on restaurant spends.

Find my best card in 60 seconds

The top picks

HSBC Live+

10% on dining, food delivery, groceries, shopping & utilities (capped ₹1,200/month)

Restaurants: 10% Dining (10%) · capped at ₹1,200 a month
Annual fee: ₹999 a year (waived on ₹200,000 spend a year)

IndusInd Bank EazyDiner Platinum

Extra 20% off restaurant bills via EazyDiner PayEazy (₹500 a bill, 3 times a month)

Restaurants: 0.4% base rate
Restaurants via EazyDiner app: 20% Extra 20% off restaurant bills via EazyDiner PayEazy · partner merchants only · capped at ₹1,500 a month
Annual fee: No annual fee

Rates are the return per ₹100 spent, with points valued at each card's best redemption (usually transfer to airline or hotel partners); gift-card redemptions are worth less. Caps limit how much spend earns the top rate. Ranked by Cardology; card details last checked 2026-10-18.

Not sure which one fits you?

A card that wins on one category can lose overall once you add the rest of your spends and the annual fee. Tell Cardology roughly what you spend and it works out the best card, or pair of cards, for you.

Get my personalised pick

Questions

How do I know which card is best for me?

Your best card depends on all your spends together, not one category. Cardology's free chat compares cards on your own numbers, including cards you already have, in about a minute.