Best Credit Cards for Food Ordering and Dining in India (2025)
- Anusha Madda
- Sep 23
- 8 min read
Are you fond of trying out new food places, or can’t resist the convenience of Swiggy and Zomato for food delivery? By selecting the right credit card for dining and food orders in India, you can save thousands of rupees annually. For foodies like you, banks have created some of the most attractive dining credit cards in India 2025 - from offering cashback on Swiggy and Zomato orders to offering guaranteed discounts at top restaurants through EazyDiner.
Discover the best credit cards in India to order food online and enjoy delicious meals, including:
IndusInd EazyDiner Credit Card.
The IndusInd EazyDiner Platinum Credit Card
HSBC Live+ Credit Card.
HDFC Swiggy Credit Card.
HDFC Pixel Play Credit Card.
This blog outlines the features, benefits, and pros of each card, as well as who each card is best suited for. At the conclusion, you'll be able to determine the card that offers the most savings on restaurant bills, Swiggy orders, Instamart groceries, and dining-out opportunities.
Why You Need a Dining and Food Ordering Credit Card
A major category of monthly budgets has been established for food expenses. Whether it's:
A dining experience at a high-end establishment.
When selecting pizza on either Swiggy or Zomato,
Purchasing groceries on Instamart, BigBasket, or Blinkit is possible.
These expenses add up quickly. The most suitable credit card for Indian food delivery ensures
Up to 10% cashback is available on orders placed through Swiggy, Zomato, and Instamart.
Fine-dining restaurants can receive 25-50% discounts through EazyDiner.com.
Free memberships, such as Swiggy One or EazyDiner Prime.
Points that can be used to purchase future meals.
Without a dining card, you’re leaving money on the table every time you order or eat out.
Best Credit Cards for Food Ordering and Dining in India 2025
We will go over each of the best dining cards.
1. Restaurant Lover's Choice: IndusInd EazyDiner Credit Card
Why it stands out:
One of the most recommended and best credit cards for dining out in India is the IndusInd EazyDiner Credit Card. With EazyDiner, you can book at numerous Indian restaurants and receive introductory offers of 25% to 50% off. Every transaction results in EazyPoints, which can be used to purchase additional dining experiences.
Key benefits:
Dining Cashback: Indusind Eazydiner Credit Card gives 25% off on dining when using the EazyDiner app at partner restaurants. Eazydiner has tied up with thousands of restaurants in India. The maximum cashback is capped at INR 2,000 in a month. However, if in the previous month the cardholder had made an expenditure of INR 30,000 through the card on non-dining spends, the max cashback will be capped at INR 5,000 instead.
General Cashback: The card also provides a 2% cashback on hotels, travel bookings, shopping, and entertainment. On all other permissible spends, the card provides a cashback of 0.4%.
Welcome Benefit: Users will get a 12-month EazyDiner Prime membership, which gives guaranteed 25% off and up to 50% off on affiliated restaurants. 2000 free EazyPoints. Postcard hotel voucher worth Rs 5,000.
Renewal Benefit: On payment of the annual fee, 12 12-month EazyDiner Prime Membership will be renewed, and the user will get 2000 welcome bonus EazyPoints.
Cons: The card has very few cons. We have listed the same below:
No international lounge visit.
No milestone benefits.
Eligibility: The Indusind website does not mention the minimum income threshold for this card. Applicant needs to be an Indian resident and above 18 to apply for this credit card.
Who should get it?
If you frequently dine out with friends, family, or colleagues, this is the best credit card for restaurant bills in India.
If you want to know the unbiased AI score of this Credit Card, read the detailed review. click here
2. IndusInd EazyDiner Platinum Credit Card – Premium Dining Perks
Why it stands out:
A step above the regular EazyDiner card, the IndusInd EazyDiner Platinum Credit Card is tailored for those who love fine dining and want exclusive restaurant deals.
Key benefits:
Dining Cashback: Indusind Eazydiner Platinum Credit Card gives 20% off on dining up to INR 500 when using the EazyDiner app at partner restaurants. Eazydiner has tied up with thousands of restaurants in India. This benefit can be used three times a month.
General Cashback: The card also provides a 0.14% cashback on utility and government spending. On all other permissible spends, the card provides a cashback of 0.4%.
Cons: Like every card, this card has a few cons. We have listed the same below:
No lounge visit.
No milestone benefits.
Low general cashback rate.
Eligibility: The Indusind website does not mention the minimum income threshold for this card. Applicant needs to be an Indian resident and above 18 to apply for this credit card.
Who should get it?
Foodies who dine out at premium or luxury restaurants at least 2–3 times a month. It’s ideal if you want guaranteed discounts on fine dining in India.
If you want to know the unbiased AI score of this Credit Card, read the detailed review. click here
3. HSBC Live+ Credit Card – Cashback on Dining, Delivery & Groceries
Why it stands out:
The HSBC Live+ Credit Card is among the best cashback credit cards in India for dining and groceries. It offers up to 10% cashback on food delivery, dining, and grocery purchases, making it perfect for households.
Key benefits:
Dining Cashback: HSBC Liv+ Credit Card gives a 10% cashback on dining out, which covers all kinds of restaurants, and dining out is not limited to a set of restaurants, as is observed in the case of many other credit cards.
General Cashback: The card also provides a 10% cashback on grocery and food delivery. On all other permissible spends, the card provides a cashback of 1.5%.
Welcome Benefit: Users will get Rs 1,000 cashback when they download and log on to the HSBC India Mobile Banking app and spend Rs 20,000 within the first 30 days of getting the card, and an Rs 250 Amazon e-gift voucher when they apply for the card online and complete video KYC (VKYC).
The card also provides 4 domestic lounge visits per year.
The annual fee of the card is waived on reaching the spending milestone of INR 2 Lakhs.
Cons: The card has a few cons. We have listed some of them below:
No international lounge visits.
No milestone benefit.
No movie benefits.
Eligibility: The cardholders must have an annual income of INR 4 Lakh per annum. The cardholder has to be an Indian resident and between the ages of 18 and 65.
Who should get it?
If your spending is spread across Zomato, Swiggy, offline restaurants, and grocery shopping, this is the best credit card for food and grocery shopping in India.
If you want to know the unbiased AI score of this Credit Card, read the detailed review. click here
4. HDFC Swiggy Credit Card – The Swiggy Power User’s Best Friend
Why it stands out:
If you order regularly on Swiggy (food, groceries on Instamart, table bookings via Dineout, or Swiggy Genie), then the HDFC Swiggy Credit Card is unbeatable.
Key benefits:
Dining Cashback: HDFC Swiggy Credit Card gives a 10% cashback on dining out; however, unlike HSBC Liv+, it covers only those restaurants that are part of its Swiggy Dineout Program. Swiggy has tied up with thousands of restaurants across India, and users can check out all partner restaurants through the Swiggy app.
Swiggy Cashback: The card also provides a 10% cashback on groceries and any other purchase made on the Swiggy app. Previously, Swiggy used to offer a citywide courier service called Swiggy Genie, using the Swiggy HDFC Card, one could get 10% off on that too. However, the Swiggy Genie has been shut as of 2025.
Other Cashback: The card provides 5% cashback on Myntra, Amazon, Flipkart, Myntra, BookMyshow. The card also provides 1% general cashback on all other spends.
Cardholders will get a SwiggyOne membership for three months as a welcome benefit. The membership offers a waiver from the delivery fee and special discounts over and above the 10% cashback offered by the Swiggy HDFC Credit Card.
Cons: Like every card, this card also comes with a few cons. We have listed them below for your perusal:
No free movie tickets.
No lounge visits.
No milestone benefits.
Eligibility: The card applicant must have a monthly income of INR 15,000 per month. The cardholder has to be an Indian resident above the age of 18.
Who should get it?
If you’re a loyal Swiggy customer, this is the best credit card for Swiggy food orders and Instamart grocery shopping.
If you want to know the unbiased AI score of this Credit Card, read the detailed review. click here
5. HDFC Pixel Play Credit Card – Customize Your Rewards
Why it stands out:
The HDFC Pixel Play Credit Card is flexible and allows you to choose packs where you earn higher cashback. Dining and entertainment can be one of your chosen packs, giving you 5% cashback.
Key benefits:
Dining Cashback: HDFC Pixel Play Credit Card gives a 5% cashback on Zomato, including Zomato Gold. Additionally, like most of the HDFC credit cards, it gives a cashback of between 10% to 30% on Swiggy Dineout.
Other Cashback: The card provides 5% cashback on any two categories out of the following five categories: (1) dining and entertainment category, (b) travel, (c) grocery, (d) electronics, and (e) fashion. Additionally, the card gives 3% cashback on e-commerce and 1% unlimited cashback on all other spends.
Cons: Like every card, this card also comes with a few cons; we have listed them below for your perusal:
No international lounge visits.
No substantive milestone benefits.
Eligibility: The card applicant must have a monthly income of INR 25,000 per month. The cardholder has to be an Indian resident above the age of 18.
Who should get it?
If you want a mix of benefits across dining, entertainment, travel, or shopping, this is the best customizable cashback credit card for food delivery and dining.
If you want to know the unbiased AI score of this Credit Card, read the detailed review. click here
These are the Best Credit Cards for Food Ordering and Dining in India 2025
Comparison Table – Best Credit Cards for Food Delivery and Dining (2025)
Final Thoughts
The best credit card for food delivery and dining in India is dependent on your lifestyle:
The right card can save you > 10,000 annually on food bills, groceries, and delivery charges. Just go ahead.
Make sure to order biryani on Swiggy and book a meal with EazyDiner by selecting the card that offers the most value.
FAQs
Do these cards give free memberships?
Yes. IndusInd EazyDiner cards provide EazyDiner Prime, while the Swiggy Credit Card gives Swiggy One trial.
Which is the best credit card for food ordering in India in 2025?
If you use Swiggy a lot, go for the HDFC Swiggy Credit Card. For mixed usage, HSBC Live+ is a great option.
Which credit card is best for dining out at restaurants?
The IndusInd EazyDiner Platinum Credit Card gives the best guaranteed discounts at premium restaurants.
Can I use these cards on Zomato as well?
Yes. Cards like HSBC Live+ and HDFC Pixel Play offer cashback on Zomato orders.
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