1. YES BANK Paisabazaar PaisaSave Credit Card

Joining Fee: Nil
Annual Fee: Rs. 499

Key Features & Benefits:

• 6% cashback on all dining & travel spends
• 1% cashback on other spends, including UPI transactions
• Annual fee waiver on annual spends of Rs. 1.2 Lakh
• 1% fuel surcharge waiver across all petrol pumps

YES BANK Paisabazaar PaisaSave Credit Card is an ideal option for consumers who frequently dine out and want to save on their dining bills without being tied to a single brand. Most dining credit cards are co-branded and offer benefits only on partnered brands. While popular dining card like HSBC Live+ offers higher cashback (10%) on dining spends, it comes with a monthly capping of Rs. 1,000. On the other hand, YES BANK PaisaSave offers a higher monthly cashback capping of Rs. 3,000, offering better overall savings at a comparatively lower annual fee.

2. EazyDiner IndusInd Bank Credit Card

Joining Fee: Rs. 1,999
Annual Fee: Rs. 1,999

Key Features & Benefits:

• 10 reward points on every Rs. 100 spent on dining, shopping & entertainment
• 3X EazyPoints on all spends
• Complimentary 12-month EazyDiner Prime Membership worth Rs. 2,495
• Extra 25% discount up to Rs. 1,000 on dining out and take-away at partner restaurants on paying via PayEazy
• Complimentary alcoholic beverage on dining at select restaurants
• 2,000 EazyPoints as welcome bonus
• 4 reward points per Rs. 100 spent across other categories
• Postcard Hotel stay voucher worth Rs. 5,000

EazyDiner IndusInd Bank Credit Card is a co-branded dining credit card ideal for consumers who dine out a few times a month. Cardholders can save up to 50% on dining bills through a complimentary EazyDiner Prime Membership. Besides this, cardholders can accumulate reward points and redeem them against bill payments at partner restaurants. Apart from dining, the card also offers benefits on travel, entertainment, and more. If you frequently dine out and are looking for a credit card to maximize savings on restaurant bills, this card can be a great choice. However, if you do not want to pay an annual fee of Rs. 1,999, you can also apply for the base variant- EazyDiner IndusInd Bank Platinum Credit Card.

3. Swiggy HDFC Bank Credit Card

Joining Fee: Rs. 500
Annual Fee: Rs. 500

Key Features & Benefits:

• Complimentary 3-months Swiggy One membership on card activation
• 10% cashback, with monthly capping of Rs. 1,500, on Swiggy app for transactions related to food ordering, Swiggy Instamart, Dineout and Genie
• 5% cashback on online spends across top merchant categories with monthly capping of Rs. 1,500
• 1% cashback on spends across other categories with monthly capping to Rs. 500

Swiggy HDFC Bank Credit Card is ideal for those who frequently dine out or use Swiggy services like food delivery, Instamart, or Swiggy Genie. Cardholders can earn 10% cashback on all Swiggy transactions and up to 5% cashback on select online spends. At an annual fee of Rs. 500, the benefits offered by this credit card are at par; cardholders can save on dining as well as various online expenses. If you are a frequent Swiggy user, this credit card can help you maximize your savings. Even if you are not a Swiggy customer, you can still earn 5% cashback on select online spends and 1% cashback on other transactions, making it a strong contender among general cashback credit cards.

4. HSBC Live+ Credit Card

Joining Fee: Rs. 999
Annual Fee: Rs. 999

Key Features & Benefits:

• 10% cashback, up to Rs. 1,000 per month, on dining, grocery and food delivery spends
• Up to 15% off on dining bills at partner restaurants via Live+ Dining Programme
• Unlimited 1.5% cashback on spends
• 1,000 cashback on spending Rs. 20,000 or more within the first 30 days of card issuance
• 4 complimentary domestic airport lounge visits in a year

HSBC Live+ is a cashback credit card offering accelerated cashback on food-related card spends, including dining, food delivery, and groceries. In addition to cashback, cardholders also get access to the Live+ Dining Programme, which offers an additional discount of up to 15% on dining bills at partner restaurants. This allows cardholders to earn a value back of up to 25% on dining, making it worthy of its place among the top dining credit cards. This card is ideal for those who spend significantly on dining and groceries without brand restrictions and want to maximize savings through cashback on all their spends.

5. HDFC Diners Club Privilege Credit Card

Joining Fee: Rs. 1,000
Annual Fee: Rs. 1,000

Key Features & Benefits:

• Complimentary Swiggy One & Times Prime annual memberships on spending Rs. 75,000 within the first 90 days
• 20 reward points per Rs. 150 spent on Swiggy and Zomato
• Up to 20% off on restaurant bill payments via Swiggy Dineout
• Voucher worth Rs. 1,500 of Marriott/ Decathlon/ O2 Spa/ Barbeque Nation/ Lakme Salon on reaching Rs. 1.5 Lakh quarterly spends
• 4 reward points on every Rs. 150 spent on the retail category
• 10X reward points on spends via SmartBuy
• Buy 1 Get 1 Free offer with up to Rs. 250 off per ticket on BookMyShow
• 2 complimentary airport lounge access worldwide every quarter

HDFC Diners Club Privilege Credit Card offers decent benefits across travel and lifestyle categories. With this card, cardholders can earn 5X rewards on Swiggy and Zomato, along with up to 20% discount on bill payments via Swiggy Dineout—making it a worthy choice for dining spends. Additionally, cardholders can avail exclusive deals and benefits through the complimentary Swiggy One Membership. Beyond dining, the card also offers free movie tickets, complimentary lounge access, brand vouchers, and more. If you’re looking for an all-rounder credit card that offers decent value back on dining spends at Swiggy and Zomato, this card may be the right choice for you.

6. Airtel Axis Bank Credit Card

Joining Fee: Rs. 500
Annual Fee: Rs. 500

Key Features & Benefits:

• 10% cashback, up to Rs. 500 per month, on Swiggy, Zomato and BigBasket
• Up to 15% off at partner restaurants via EazyDiner
• Amazon e-voucher worth Rs. 500 on the first transaction within 30 days of card issuance
• 25% cashback, up to Rs. 250 per month, on Airtel Mobile, WiFi, Broadband, and DTH bill payments via Airtel Thanks app
• 10% cashback, up to Rs. 250 per month, on utility bill payments via Airtel Thanks app
• 1% cashback on other spends
• 4 complimentary domestic airport lounge visits per year on spending Rs. 50,000 in the previous quarter

Airtel Axis Bank Credit Card is a co-branded credit card that offers accelerated value back on spends made via the Airtel Thanks app. Additionally, select preferred merchants, including Swiggy, Zomato, and BigBasket, also let you earn accelerated value back of up to 10%. Moreover, dining discount of up to 15% via EazyDiner further adds to the total savings on food-related spends. Consumers looking for a credit card to save on utility bills, recharges, and food expenses can consider this option. However, as this is a co-branded credit card, it is important to assess whether you can maximize its benefits through the Airtel Thanks app before applying.

7. Axis Bank My Zone Credit Card

Joining Fee: Nil
Annual Fee: Nil

Key Features & Benefits:

• Flat Rs. 120 off on food delivery at Swiggy on a minimum spend of Rs. 500, twice a month
• Buy One Get One Free offer on movie tickets through District app, up to Rs. 200 off in a month
• Free SonyLiv 1 year subscription worth Rs. 1,499 on the first spend within first 30 days of card issuance
• Up to Rs. 1,000 off at Ajio on a minimum transaction of Rs. 2,999
• 4 EDGE reward points on every Rs. 200 spent
• 1 complimentary domestic airport lounge access per quarter

Axis Bank My Zone Credit Card is a lifetime free credit card that offers benefits across multiple categories, such as dining, movies, shopping, travel, and more. With this card, you can save up to Rs. 240 per month on Swiggy food delivery. Additionally, you can earn reward points on other dining spends and redeem them across various categories through the Axis Rewards portal. Other benefits, such as free movie tickets, complimentary memberships, and discounts on popular brands, make this card a decent option for consumers looking for an all-rounder credit card—especially considering that it is lifetime free.