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!


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 Card | Key Dining & Swiggy Benefits | Annual Fee | Best For |
---|---|---|---|
Swiggy HDFC Credit Card | 10% cashback on Swiggy, 5% on online shopping, free Swiggy One | ₹500 + Taxes | Swiggy loyalists & online shoppers |
Axis MyZone Credit Card | ₹120 off twice/month on Swiggy; SonyLiv subscription | ₹500 + GST | Balanced food & entertainment |
Axis Flipkart Credit Card | 4% cashback on Swiggy | ₹500 + GST | Multi-category online shopping |
AU Altura Credit Card | 10% off on Swiggy Instamart (monthly), ₹50 cashback on spends | ₹199 + Taxes | Beginners with low fee preference |
AU Altura Plus Credit Card | Up to 20% off on restaurants & e-comm, monthly milestones | ₹499 + Taxes | Value seekers with higher spend |
Axis Airtel Credit Card | 10% cashback on Swiggy & Zomato | ₹500 + GST | Airtel 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:


User Type | Spending Style | Best Credit Card Recommendation | Why It’s Ideal |
---|---|---|---|
College Student | Low spend, mobile-first, online food orders | AU Altura Credit Card | No-frills, low fees, entry-level eligibility |
Swiggy Loyalist | Orders food 10–15 times/month | Swiggy HDFC Bank Credit Card | 10% cashback + Swiggy One subscription |
Flipkart + Food Spender | Shops on Flipkart & orders food weekly | Axis Flipkart Credit Card | 5% on Flipkart + 4% on Swiggy |
Balanced Urban Spender | Mix of groceries, OTT, food, moderate lifestyle spends | Axis MyZone or AU Altura Plus | Good mix of rewards + movie, dining & EMI options |
Airtel User with Utility Bills | Pays bills via Airtel, shops online regularly | Axis Airtel Credit Card | 25% 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:


- ₹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


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!
Category | Monthly Benefit | Annual Value | Top Cards Offering It |
---|---|---|---|
Swiggy Cashback | ₹500 (based on ₹5,000 spend) | ₹6,000 | Swiggy HDFC, Axis Flipkart, Axis Airtel |
Dining Discounts | ₹250–₹500 | ₹3,000–₹6,000 | Axis MyZone, AU Altura Plus, Axis Magnus |
Movie Tickets | ₹200–₹250 | ₹2,400–₹3,000 | Axis MyZone, Altura Plus |
Partner Offers | ₹100–₹400 | ₹1,200–₹4,800 | AU Altura, Axis Flipkart, Airtel Card |
Lounge Access | 1 visit/quarter | ~₹2,000+ | AU Altura Plus, Axis Airtel, Axis Magnus |
Fuel Surcharge Waiver | ₹100–₹400 | ₹1,200–₹4,800 | Available 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!
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