Category
Dining
Eating out and ordering in. Restaurants, Swiggy, Zomato, EazyDiner.
No card in your wallet earns rewards on dining yet.
When you add a card that does, it will rank here automatically.
Best in market
2026 dining is cashback-led: HSBC Live+'s July 2026 revaluation made 10% MCC-based cashback the benchmark, while co-brand delivery cards (Swiggy HDFC) closed to new applicants. · Top-tier picks from the whole Indian market, researched 7 Aug 2026.
HSBC Live+
10% cashback on dining out AND every food delivery app (Swiggy, Zomato, EatSure). MCC-based, not app-locked
₹999 + GST, waived on ₹2L/yr
10% on dining, groceries, shopping and utilities, capped at ₹1,200 per statement cycle. Real statement-credit cashback, and it works at any restaurant or delivery app because it keys off dining and grocery MCCs.
The ₹1,200/mo cap is shared across dining, grocery, shopping and utilities, covering about ₹12,000/mo of accelerated spend. Lounge access is 2 domestic visits a year. HSBC issues mainly to salaried metro profiles.
HDFC Bank Swiggy
10% cashback on the whole Swiggy app. Food delivery, Dineout, Instamart, Genie. Up to ₹1,500/cycle
₹500 + GST, waived on ₹2L/yr
Still the single best food-delivery earn rate in India (₹1,500/mo cap = ₹15k of Swiggy spend), plus 5% on other online spends (₹1,500 cap). You already own the original. Keep it as your Swiggy/Dineout default.
Closed to new applicants, though existing cards keep working. The 5% online tier explicitly excludes groceries, and there is no benefit on Zomato or dine-in outside Swiggy Dineout.
IndusInd Bank EazyDiner Platinum
Flat 25% extra off dine-in bills via PayEazy (up to ₹1,000/txn, ₹2,000/mo) stacked on EazyDiner Prime deals up to 50%
Lifetime free (Platinum variant)
The best pure restaurant dine-in play at zero fee: complimentary EazyDiner Prime (worth ₹3,550) plus a real 25% instant discount at 2,000+ partner restaurants. An effective rate no rewards card matches for table dining.
The discount applies only at EazyDiner partner restaurants paid via PayEazy in-app. No reward points on regular dining swipes. IndusInd's governance troubles make future term changes likelier than at peers.
Your wallet · Dining
What this category is actually worth
The same checks as the wallet page, narrowed to all 0 cards that earn on dining. Set a monthly figure for it in to put rupees on these.
Earnings here
What each card would return on dining at your spend. raw rates, before caps.
Every card in your wallet is excluded from dining. See the reasons in the table above.
Milestone progress
Milestones on these cards, against your total spend routed to one card.
None of the cards that earn here has a milestone.
Fee check: does each card pay for itself?
Value is still counted across your whole wallet, not just this category. a card earns its fee wherever it wins. Waivers are not assumed.
| Card | Fee | Value/yr | Verdict |
|---|
Where the market beats your wallet
Your best card against the top pick in Best in market, just above. The numbers only, since the pick itself is already on this page.
No market pick with a comparable rate for this category yet.