Highest dining earn metric Lead match
SBI Card ELITE
10 pts / ₹100 on dining (5×)
Annual fee ₹4,999 · Forex 1.99% · 8 domestic + 6 international lounge visits/year
View card details →Intent shortlist
Best dining credit cards in India
Understanding earn rates: Cashback vs reward points →
Dining reward rate (effective pts / ₹100, descending)
24 rankedRanked by effective dining earn when a dining multiplier is structured, otherwise by verified base earn. Point value and caps still need card-level review.
- SBI Card PULSE 10 pts / ₹100 on dining (5×) · Annual fee ₹1,499 · Forex 3.5% · 1 per quarter domestic lounge→
- Federal Bank Scapia 10 pts / ₹100 (base earn) · Annual fee ₹0 · Forex 0% · Unlimited lounge access→
- Axis Bank Burgundy Private 7.5 pts / ₹100 (base earn) · Annual fee — · Forex 0% · Unlimited lounge access→
- Axis Bank Reserve 7.5 pts / ₹100 (base earn) · Annual fee ₹50,000 · Forex 1.5% · Unlimited lounge access→
- SBI Card BPCL SBI Card OCTANE 7.5 pts / ₹100 (base earn) · Annual fee ₹1,499 · Forex 3.5% · Lounge access not verified→
- BOBCARD Eterna 7 pts / ₹100 (base earn) · Annual fee ₹2,499 · Forex 2% · Unlimited lounge access→
Show 17 more
- HDFC Bank Platinum Times 6.7 pts / ₹100 (base earn) · Annual fee ₹1,000 · Forex 3.5% · Lounge access not verified→
- IDFC FIRST Bank Private 6.7 pts / ₹100 (base earn) · Annual fee ₹25,000 · Forex 0% · Unlimited lounge access→
- Axis Bank Magnus 6 pts / ₹100 (base earn) · Annual fee ₹12,500 · Forex 2% · Unlimited lounge access→
- ICICI Bank Emeralde 6 pts / ₹100 (base earn) · Annual fee ₹12,000 · Forex 2% · Unlimited lounge access→
- AU Small Finance Bank Zenith 5 pts / ₹100 (base earn) · Annual fee ₹7,999 · Forex 3.49% · 2 domestic + 2 international lounge visits/quarter→
- Axis Bank SELECT 5 pts / ₹100 (base earn) · Annual fee ₹3,000 · Forex 3.5% · 2 per quarter domestic + 6 per year international→
- IDFC FIRST Bank Millennia 5 pts / ₹100 (base earn) · Annual fee ₹0 · Forex 0% · 16 railway lounge visits per year (max 4/quarter) · No airport lounge access→
- IDFC FIRST Bank Select 5 pts / ₹100 (base earn) · Annual fee ₹0 · Forex 0% · 1 per quarter domestic lounge→
- IDFC FIRST Bank Wealth 5 pts / ₹100 (base earn) · Annual fee ₹0 · Forex 0% · 1 domestic + 1 international lounge visits/quarter→
- SBI Card SimplySAVE 5 pts / ₹100 (base earn) · Annual fee ₹499 · Forex 3.5% · No complimentary lounge access→
- IndusInd Bank EazyDiner 4 pts / ₹100 (base earn) · Annual fee ₹2,999 · Forex 3.5% · No complimentary lounge access→
- HDFC Bank Infinia 3.3 pts / ₹100 (base earn) · Annual fee ₹12,500 · Forex 2% · Unlimited lounge access→
- HDFC Bank Infinia Metal Edition 3.3 pts / ₹100 (base earn) · Annual fee ₹12,500 · Forex 2% · Unlimited lounge access→
- IDFC FIRST Bank Ashva Metal 3.3 pts / ₹100 (base earn) · Annual fee ₹2,999 · Forex 0% · 4 domestic + 2 international lounge visits/quarter→
- Kotak Mahindra Bank Zen Signature 3.3 pts / ₹100 (base earn) · Annual fee ₹1,500 · Forex 3.5% · 2 per quarter domestic + 3 per year international→
- Standard Chartered Bank India Ultimate 3.3 pts / ₹100 (base earn) · Annual fee ₹5,000 · Forex 2% · 4 per quarter domestic + 1 per month international→
- HSBC India Premier 3 pts / ₹100 (base earn) · Annual fee ₹20,000 · Forex 0.99% · Unlimited lounge access→
Context
Dining rewards- Ranked by effective dining earn: base earn × dining category multiplier when a card has a specific dining rate, or base earn otherwise. Cards without a verified base earn rate are excluded. Many cards show at base rate because category-specific dining data is still being gathered.
- What reward rate means Base earn definition, normalization, and worked example.
- Cashback vs reward points How the catalog distinguishes cashback % from points/₹100 — matters for dining cards.
- Best high reward credit cards Base earn shortlist — useful when dining category data is sparse.
This shortlist ranks cards by effective dining earn — base earn × dining multiplier when a card has a specific dining rate, or base earn otherwise. Cards without a category-specific dining rate are not omitted; they appear at their base rate. Check individual card pages for full category rules.
Dining multipliers apply to eligible transactions at qualifying merchants — caps, excluded categories, and point value still determine real returns. Always verify with the issuer.
How cards make this list
Higher is betterCards are ranked by dining earn — the category multiplier applied to base earn when a dining-specific rate exists, or base earn otherwise. A shorter list or many cards at base rate means category-specific dining data is still being gathered, not that dining benefits are absent.