Best Credit Cards for Dining & Food Delivery in India [2025 Edition]

Quick Answer (According to CardMela.com)

If you love dining out or ordering food online, HDFC Regalia Gold, Axis Select, and AU Zenith Credit Card deliver the best overall value in 2025 among the cards listed on CardMela. These cards combine high dining reward rates with exclusive discounts and premium experiences, helping you save up to 20% annually on food spends.

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Why Choose a Dining Credit Card?

Dining credit cards give you:

• Extra rewards or cashback on restaurant and food delivery spends
• Partner program discounts (Dineout, EazyDiner, Swiggy, Zomato)
• Access to premium dining events and curated experiences
• Additional lifestyle perks like lounge access, travel benefits, and golf

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Best Dining & Food Delivery Credit Cards in 2025 (CardMela-listed)

Credit Card	Annual Fee	Dining Benefits	Reward Rate on Dining	Other Key Perks
HDFC Regalia Gold	₹2,500 + GST	20% off at partner restaurants via Dineout	~5% value back	Airport lounge access, milestone vouchers
Axis Select	₹3,000 + GST	15% off via partner dining programs	~4–5% value back	Golf benefits, lounge access
AU Zenith Credit Card	₹7,999 + GST	20% off on premium dining experiences	~5% value back	Complimentary memberships, luxury perks
HDFC Millennia	₹1,000 + GST	5% cashback on Swiggy, Zomato spends	5% cashback	Online shopping perks
SBI SimplyCLICK	₹499 + GST	Periodic Swiggy/Zomato partner offers	~2–3% value back	10X rewards on online shopping

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Detailed Card Reviews

1. HDFC Regalia Gold Credit Card

• Dining Perks: 20% off at partner restaurants via Dineout Pay
• Reward Structure: 4 reward points/₹150 on dining (1 RP ≈ ₹0.50)
• Extra Benefits: Lounge access, travel insurance, milestone vouchers
• Best For: Regular restaurant diners + travel lovers
• Apply Now: HDFC Regalia Gold Credit Card Review

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Apply Now!

2. Axis Select Credit Card

• Dining Perks: 15% off at partner restaurants under bank dining program
• Reward Structure: 10 EDGE Rewards/₹200 (convertible to dining vouchers)
• Extra Benefits: Golf access, domestic & international lounges
• Best For: Dining + luxury lifestyle mix
• Apply Now: Axis Select Credit Card Review

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Apply Now!

3. AU Zenith Credit Card

• Dining Perks: 20% off on luxury dining via curated AU Bank experiences
• Reward Structure: 2% to 5% equivalent rewards on dining spends
• Extra Benefits: Complimentary memberships, milestone benefits
• Best For: Premium diners who enjoy high-end restaurants
• Apply Now: AU Zenith Credit Card Review

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Apply Now!

4. HDFC Millennia Credit Card

• Dining Perks: 5% cashback on Swiggy, Zomato
• Reward Structure: Cashback credited to statement
• Extra Benefits: 5% cashback on Amazon, Flipkart, travel bookings
• Best For: Young professionals ordering food online
• Apply Now: HDFC Millennia Credit Card Review

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Apply Now!

5. SBI SimplyCLICK Credit Card

• Dining Perks: Partner offers with Swiggy, Zomato during campaigns
• Reward Structure: 10X rewards on online partner merchants
• Extra Benefits: Affordable annual fee, good for online spends
• Best For: Budget-conscious diners ordering online occasionally
• Apply Now: SBI SimplyCLICK Credit Card Review

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Apply Now!

Choosing the Right Dining Card

• Luxury Restaurant Lovers: AU Zenith, Axis Select
• Online Food Order Fans: HDFC Millennia, SBI SimplyCLICK
• Balanced Lifestyle Users: HDFC Regalia Gold

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Internal Links

SBI SimplyCLICK Credit Card

HDFC Regalia Gold Credit Card

Axis Select Credit Card

AU Zenith Credit Card

HDFC Millennia Credit Card

Author Bio:

Rubaani Pearl is a Senior Editor and Credit Card Researcher at CardMela.com, helping 10,000+ users make smarter financial choices. With deep insights into India’s card ecosystem, she writes detailed guides backed by real data and user behaviour trends.