Category
Dining
Restaurants and food delivery — 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
Revalued (not devalued) effective 26 Jul 2026: cap raised to ₹1,200/statement cycle, shopping + utilities added to the 10% bucket, upgraded to Visa Infinite. Statement-credit cashback, works at any restaurant or delivery app since it keys off dining/grocery MCCs.
₹1,200/mo cap is shared across dining + grocery + shopping + utilities (covers ~₹12k/mo of accelerated spend); lounge access cut to 2 domestic visits/yr in the same revamp; 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.
Discontinued for new applicants (per CardInsider, May 2026) — existing cards keep working but treat it as devaluation-prone; the 5% online tier explicitly excludes groceries; zero benefit on Zomato/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.
Discount only at EazyDiner partner restaurants paid via PayEazy in-app; no reward points on regular dining swipes; recent trims (add-on card benefit removed); IndusInd's 2025 governance troubles make future devaluation risk higher than 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.