best dining credit card in India

Best Dining Credit Card in India: Save ₹15,000 Now!

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  • Post last modified:July 16, 2025
  • Post category:Cards
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Looking to earn cashback on every Swiggy order, enjoy free subscriptions, and save thousands each year while dining out or ordering in? Then you must apply for the best dining credit card in India. This blog post covers the top-performing credit cards specifically tailored for foodies who love convenience, rewards, and affordability. We’ve done all the comparison work for you – with tables, pros and cons, FAQs, and exclusive affiliate offers!

best dining credit card in India

Why Use a Credit Card for Swiggy and Online Food Orders?

Whether you’re a student, a working professional, or managing a household, using the right credit card can unlock:

  • Cashback on food orders
  • Partnered discounts with Swiggy, Zomato, BigBasket
  • Complimentary subscriptions (Swiggy One, SonyLiv)
  • Dining discounts at restaurants via platforms like EazyDiner
  • Lounge access and reward points

Best Dining Credit Card in India for Swiggy & Online Food Orders

Credit CardKey Dining & Swiggy BenefitsAnnual FeeBest For
Swiggy HDFC Credit Card10% cashback on Swiggy, 5% on online shopping, free Swiggy One₹500 + TaxesSwiggy loyalists & online shoppers
Axis MyZone Credit Card₹120 off twice/month on Swiggy; SonyLiv subscription₹500 + GSTBalanced food & entertainment
Axis Flipkart Credit Card4% cashback on Swiggy₹500 + GSTMulti-category online shopping
AU Altura Credit Card10% off on Swiggy Instamart (monthly), ₹50 cashback on spends₹199 + TaxesBeginners with low fee preference
AU Altura Plus Credit CardUp to 20% off on restaurants & e-comm, monthly milestones₹499 + TaxesValue seekers with higher spend
Axis Airtel Credit Card10% cashback on Swiggy & Zomato₹500 + GSTAirtel users & food app fans

Which Credit Card Matches Your Lifestyle?

Not every dining credit card fits every user. Depending on your lifestyle, income, and spending patterns, certain cards will offer you more value. Here’s a quick guide to help you decide which card best aligns with your needs:

best dining credit card in India
User TypeSpending StyleBest Credit Card RecommendationWhy It’s Ideal
College StudentLow spend, mobile-first, online food ordersAU Altura Credit CardNo-frills, low fees, entry-level eligibility
Swiggy LoyalistOrders food 10–15 times/monthSwiggy HDFC Bank Credit Card10% cashback + Swiggy One subscription
Flipkart + Food SpenderShops on Flipkart & orders food weeklyAxis Flipkart Credit Card5% on Flipkart + 4% on Swiggy
Balanced Urban SpenderMix of groceries, OTT, food, moderate lifestyle spendsAxis MyZone or AU Altura PlusGood mix of rewards + movie, dining & EMI options
Airtel User with Utility BillsPays bills via Airtel, shops online regularlyAxis Airtel Credit Card25% cashback on Airtel + 10% on Swiggy, Zomato, BigBasket

1. Swiggy HDFC Credit Card

Pros:

  • 10% cashback on Swiggy (food, Instamart, Dineout, Genie)
  • 5% cashback on Flipkart, Amazon, Nykaa
  • 1% cashback on other spends
  • Free Swiggy One subscription for 3 months
  • 50-day interest-free period

Cons:

  • Cashback capped per category
  • No free lounge access unless upgraded

Apply for the Swiggy HDFC Credit Card Here

2. Axis MyZone Credit Card

Pros:

best dining credit card in India
  • ₹120 off twice/month on Swiggy orders
  • Buy 1 Get 1 free movie ticket via District app
  • Free SonyLiv Premium (worth ₹1499)
  • 15% off at select restaurants (EazyDiner)
  • Annual savings potential: ₹2,880 on Swiggy

Cons:

  • Dining discount applicable once/month
  • Not applicable on Haldiram’s

Get the Axis MyZone Credit Card Now

✉️ Don’t Miss: Check out our blog on “6 Best Credit Cards for Movie Tickets That Save Big” Read Now

3. Axis Flipkart Credit Card

Pros:

  • 4% cashback on Swiggy
  • 5% on Flipkart, Myntra, Cleartrip
  • Free joining (limited offer)
  • Annual fee waiver on ₹3.5L spends
  • 15% off on EazyDiner

Cons:

  • Cashback caps apply
  • Not ideal if Flipkart isn’t your primary portal

Apply for Axis Flipkart Credit Card

4. AU Altura Credit Card

Pros:

  • ₹50 cashback on monthly spends
  • 10% discount on Swiggy Instamart (up to ₹100/month)
  • 2 complimentary railway lounge access per quarter
  • 1% fuel surcharge waiver
  • Entry-level card with low joining fee

Cons:

  • Cashback limited to ₹50/month/category
  • No food delivery cashback on Swiggy/Zomato directly
best dining credit card in India

Apply for AU Altura Credit Card Here

5. AU Altura Plus Credit Card

Pros:

  • 20% off on movie tickets
  • 15% off on Tata CliQ, Croma, EazyDiner
  • 2X reward points on online spends
  • Monthly milestone rewards (₹500 bonus RPs)
  • Waiver on joining/annual fee if spend threshold met

Cons:

  • Fuel excluded from cashback
  • Higher spend needed to unlock full benefits

Get the AU Altura Plus Card Today

6. Axis Airtel Credit Card

Pros:

  • 10% cashback on Swiggy, BigBasket, Zomato
  • 25% cashback on Airtel services
  • 1% cashback on other spends
  • 4 complimentary lounge visits/year
  • Fuel surcharge waiver

Cons:

  • Cashback capped monthly
  • Benefits tied to Airtel ecosystem

Sign Up for Axis Airtel Credit Card

How the Rewards Add Up Over a Year

To help you visualize the potential savings, here’s a Credit Card Benefit Timeline showing how different benefits accumulate over 12 months. Even if your monthly spending seems modest, small savings add up over time!

CategoryMonthly BenefitAnnual ValueTop Cards Offering It
Swiggy Cashback₹500 (based on ₹5,000 spend)₹6,000Swiggy HDFC, Axis Flipkart, Axis Airtel
Dining Discounts₹250–₹500₹3,000–₹6,000Axis MyZone, AU Altura Plus, Axis Magnus
Movie Tickets₹200–₹250₹2,400–₹3,000Axis MyZone, Altura Plus
Partner Offers₹100–₹400₹1,200–₹4,800AU Altura, Axis Flipkart, Airtel Card
Lounge Access1 visit/quarter~₹2,000+AU Altura Plus, Axis Airtel, Axis Magnus
Fuel Surcharge Waiver₹100–₹400₹1,200–₹4,800Available on most cards listed

Example:
If you spend:

  • ₹5,000/month on food
  • ₹2,000/month on online shopping
  • ₹1,500/month on utilities
    You could easily save ₹10,000–₹15,000 a year using the right credit card.

FAQs: best dining credit card in India

Q1. Which credit card gives the highest cashback on Swiggy?
A: The Swiggy HDFC Credit Card offers 10% cashback on all Swiggy platforms, the highest among all listed cards.

Q2. Can I use these cards on Zomato too?
A: Yes, cards like Axis Airtel and Altura Plus offer discounts/cashback on Zomato, BigBasket, and more.

Q3. Do I need to be a high-income user to apply?
A: No. Many cards like AU Altura, Axis MyZone are suited for entry-level or low-income salaried professionals.

Q4. Are there annual fee waivers?
A: Yes. Cards like Axis Flipkart and AU Altura Plus waive annual fees on meeting spend thresholds.

Q5. Which card gives the best value for occasional Swiggy users?
A: Axis MyZone (₹120 off twice/month) or Airtel Axis (10% cashback) work great for moderate users.

Final Thoughts

If food delivery is a big part of your monthly budget, don’t miss out on the chance to save and earn more. The credit cards listed above offer significant value through cashback, discounts, and lifestyle perks. Take your pick and apply for the best dining credit card in India today to make every meal more rewarding!

This post contains affiliate links. We may earn a commission when you apply through the provided links, at no extra cost to you. This helps support our blog and allows us to continue delivering valuable content. Thank you!


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