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CardSahayak Financial Intelligence
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Dining & Food Delivery Cards • Audits & Comparisons

Compare verified credit cards across 33+ Indian banks with real math. Every annual fee waiver, quarterly lounge rule, forex markup, and reward redemption fee unmasked from official Schedule of Charges.

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Active: Category: Dining

Showing 1-12 of 17 verified cards

HDFC Bank Diners Black ★ CS Editor's Choice
MITC Verified Nov 2026
HDFC Bank
METAL

HDFC Diners Club Black

•••• •••• •••• 3831

DC
Diners
CardSahayak Score Verified
92 /100
4.6
Min CIBIL 780+ Min ₹1,75,000/mo

HDFC Diners Club Black

HDFC Bank • Super premium Tier

Our Take: Super-premium metal card with low 2.0% forex markup, 5 RP per ₹150 (3.33% base return), up to 10X SmartBuy rewards (cap 10,000 bonus RP/mo), unlimited worldwide lounge access for primary & add-on members, and 6 golf games per quarter. Annual fee ₹10,000 waived on ₹8L spend.
Annual Fee
₹10,000
Waived @ ₹8 Lakh spend/yr
Joining Fee
₹10,000
₹10,000 Welcome Bonus
Rewards Rate
5.0%
Base Rate • Accelerated
Airport Lounges
Unlimited Dom & Intl
Free (No spend rule)
✓ 5 Reward Points per ₹150 on retail spends (3.33% base reward rate, 1 RP = ₹1.00 on SmartBuy flights and hotels)
✓ Up to 10X accelerated rewards via SmartBuy on flights, hotels, and partner vouchers (capped at 10,000 bonus RP/month)
− Annual fee of ₹10,000 + GST (waived on spending ₹8 Lakh annually)
Estimated Net Value
+₹58,000/yr
Net value benchmarked on ₹10L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
2.00% + GST
Lounge Access
Unlimited Dom & Intl
Free (No spend rule)
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 1.99% - 1.99% p.m.
Interest-Free Period: 20 to 50 days
SBI Card Visa Aurum ★ CS Editor's Choice
MITC Verified Nov 2026
SBI Card
METAL

SBI Aurum

•••• •••• •••• 3598

VISA
CardSahayak Score Verified
87 /100
4.4
Min CIBIL 780+ Min ₹1,00,000/mo

SBI Aurum

SBI Card • Super premium Tier

Our Take: SBI's flagship super-premium metal card: unlimited international lounges with 1 guest, 16 domestic lounges, 4 movie tickets/mo, golf benefits, 1.99% forex.
Annual Fee
₹9,999
Waived @ ₹12 Lakh spend/yr
Joining Fee
₹9,999
₹10,000 Welcome Bonus
Rewards Rate
1.0%
Base Rate
Airport Lounges
16 Dom/yr + Unlimited Intl
16 complimentary domestic airp...
✓ Unlimited international airport lounge access with complimentary 1 guest access per visit via DreamFolks / Priority Pass
✓ 16 complimentary domestic airport lounge visits per calendar year (max 4 per quarter)
− Strictly by invitation only (super-premium metal card)
Estimated Net Value
+₹18,000/yr
Net value benchmarked on ₹10L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
1.99% + GST
Lounge Access
16 Dom/yr + Unlimited Intl
16 complimentary domestic airp...
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Fuel, Rent, Utilities
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 2.75% - 2.75% p.m.
Interest-Free Period: 20 to 50 days
HDFC Bank Diners Privilege
MITC Verified Nov 2026
HDFC Bank
PREMIUM

HDFC Diners Club Privilege

•••• •••• •••• 1102

DC
Diners
CardSahayak Score Verified
87 /100
4.4
Min CIBIL 720+ Min ₹70,000/mo

HDFC Diners Club Privilege

HDFC Bank • Premium Tier

Our Take: Premium Diners Club card with 4 RP per ₹150 (2.67%), up to 5X on SmartBuy, low 2.0% forex markup, and 12 airport lounge visits/yr (up to 3/quarter: 2 domestic + 1 international unlocked on ₹60k quarterly spend via SmartBuy vouchers). Annual fee ₹2,500 waived on ₹3L spend.
Annual Fee
₹2,500
Waived @ ₹3 Lakh spend/yr
Joining Fee
₹2,500
₹5,000 Welcome Bonus
Rewards Rate
2.7%
Base Rate
Airport Lounges
8 Dom + 4 Intl / yr
8 complimentary domestic and 4...
✓ 4 Reward Points per ₹150 on retail spends (2.67% base reward rate, 1 RP = ₹0.50 on SmartBuy flights and hotels)
✓ Up to 5X accelerated rewards on SmartBuy flights and hotel bookings
− Airport lounge access requires achieving ₹60,000 retail spend in the preceding calendar quarter (vouchers generated via SmartBuy; direct swipe discontinued)
Estimated Net Value
+₹16,010/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
2.00% + GST
Lounge Access
8 Dom + 4 Intl / yr
8 complimentary domestic and 4...
Redemption Fee
₹99
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.49% - 3.49% p.m.
Interest-Free Period: 20 to 50 days
HDFC Bank Mastercard World ★ CS Editor's Choice
MITC Verified Nov 2026
HDFC Bank
PREMIUM

Swiggy HDFC Bank Credit Card

•••• •••• •••• 1771

CardSahayak Score Verified
85 /100
4.2
Min CIBIL 700+ Min ₹25,000/mo

Swiggy HDFC Bank Credit Card

HDFC Bank • Premium Tier

Our Take: Co-branded dining & shopping card: 10% cashback on Swiggy app (Food, Instamart, Dineout, Genie; cap ₹1,500/mo), 5% on 1,000+ top online shopping platforms (cap ₹1,500/mo), and 1% on other retail spends (cap ₹500/mo). Total monthly cashback up to ₹3,500 credited directly to Swiggy Money. Annual fee ₹500 waived on ₹2 Lakh spend.
Annual Fee
₹500
Waived @ ₹2 Lakh spend/yr
Joining Fee
₹500
₹999 Welcome Bonus
Rewards Rate
10%
Flat Cashback • Accelerated
Airport Lounges
0 Visits (No Access)
Free (No spend rule)
✓ 10% cashback on Swiggy food ordering, Instamart, Dineout, and Genie (capped at ₹1,500/statement cycle; min order ₹249)
✓ 5% cashback on 1,000+ top online shopping and travel platforms including Amazon, Flipkart, Myntra, Nykaa, and Uber (capped at ₹1,500/cycle)
− Monthly cashback strictly capped: ₹1,500 on Swiggy (10%), ₹1,500 on online merchants (5%), and ₹500 on other spends (1%)
Estimated Net Value
+₹30,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
0 Visits (No Access)
Free (No spend rule)
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.75% - 3.75% p.m.
Interest-Free Period: 20 to 50 days
HSBC Rupay Classic 0% Zero Forex
MITC Verified Nov 2026
HSBC

HSBC RuPay Cashback

•••• •••• •••• 5979

RuPay
CardSahayak Score Verified
85 /100
4.2
Min CIBIL 750+ Min ₹50,000/mo

HSBC RuPay Cashback

HSBC • Cashback Tier

Our Take: HSBC RuPay Cashback: 0% promotional forex, 10% cashback on dining/food/grocery (max ₹400/mo), 1% unlimited cashback on all other spends, and 10 lounge visits (8 dom + 2 intl). ₹499 fee waived on ₹2L spend.
Annual Fee
₹499
Waived @ ₹2 Lakh spend/yr
Joining Fee
₹499
₹1,000 Welcome Bonus
Rewards Rate
10%
Flat Cashback • Accelerated
Airport Lounges
8 Dom + 2 Intl / yr
8 complimentary domestic airpo...
✓ 10 complimentary airport lounge visits annually (8 domestic + 2 international via RuPay)
✓ 10% cashback on dining, food delivery & grocery spends (up to ₹400/month combined)
− 10% accelerated dining/grocery cashback is capped at ₹400 per month
Estimated Net Value
+₹38,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
0.00% + GST
0% Zero Forex
Lounge Access
8 Dom + 2 Intl / yr
8 complimentary domestic airpo...
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.75% - 3.75% p.m.
Interest-Free Period: Up to 45 days
Standard Chartered Visa Classic
MITC Verified Nov 2026
Standard Chartered

Standard Chartered DigiSmart

•••• •••• •••• 3442

VISA
CardSahayak Score Verified
83 /100
4.2
Min CIBIL 680+ Min ₹50,000/mo

Standard Chartered DigiSmart

Standard Chartered • Cashback Tier

Our Take: SCB DigiSmart: 20% off Myntra, 10% off Zomato, 15% cashback on Ola, 10% off Blinkit, BOGO on INOX. ₹49 monthly fee waived on ₹5,000 monthly spend.
Annual Fee
₹588
Waived @ ₹5,000 spend/yr
Joining Fee
₹0 Free
Complimentary welcome discou...
Rewards Rate
20%
Flat Cashback • Accelerated
Airport Lounges
0 Visits (No Access)
Free (No spend rule)
✓ Flat 20% discount on Myntra up to ₹700 per month
✓ 10% discount on Zomato food delivery up to ₹150 (up to 5 times per month)
− Monthly fee model requires maintaining ₹5,000 monthly spend to avoid ₹49 recurring charge
Estimated Net Value
+₹45,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
0 Visits (No Access)
Free (No spend rule)
Redemption Fee
₹99
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.75% - 3.75% p.m.
Interest-Free Period: 18 to 48 days
HDFC Bank Mastercard Classic
MITC Verified Nov 2026
HDFC Bank

HDFC Swiggy

•••• •••• •••• 1216

CardSahayak Score Verified
83 /100
4.1
Min CIBIL 700+ Min ₹15,000/mo

HDFC Swiggy

HDFC Bank • Cashback Tier

Our Take: 10% cashback on Swiggy app (Food, Instamart, Dineout, Genie; cap ₹1,500/mo), 5% on 1,000+ top online shopping platforms (cap ₹1,500/mo), and 1% on other spends (cap ₹500/mo). Total monthly cashback up to ₹3,500 credited directly to Swiggy Money. Annual fee ₹500 waived on ₹2 Lakh spend.
Annual Fee
₹500
Waived @ ₹2 Lakh spend/yr
Joining Fee
₹500
₹1,199 Welcome Bonus
Rewards Rate
10%
Flat Cashback • Accelerated
Airport Lounges
0 Visits (No Access)
Free (No spend rule)
✓ 10% cashback on Swiggy food ordering, Instamart, Dineout, and Genie (capped at ₹1,500/cycle; min order ₹249)
✓ 5% cashback on 1,000+ online shopping platforms including Amazon, Flipkart, Myntra, Nykaa, and Uber (capped at ₹1,500/cycle)
− Monthly cashback sub-caps: ₹1,500 on Swiggy (10%), ₹1,500 on online merchants (5%), and ₹500 on other spends (1%)
Estimated Net Value
+₹30,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
0 Visits (No Access)
Free (No spend rule)
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.60% - 3.60% p.m.
Interest-Free Period: 20 to 50 days
Axis Bank Visa Classic
MITC Verified Nov 2026
Axis Bank

Axis Airtel

•••• •••• •••• 4210

VISA
CardSahayak Score Verified
82 /100
4.1
Min CIBIL 700+ Min ₹25,000/mo

Axis Airtel

Axis Bank • Cashback Tier

Our Take: Essential utility and everyday card offering 25% cashback on Airtel bills (cap ₹250/mo), 10% on utilities via Airtel Thanks (cap ₹250/mo), 10% on Swiggy/Zomato/BigBasket (cap ₹500/mo), and 1% on other spends.
Annual Fee
₹500
Waived @ ₹2 Lakh spend/yr
Joining Fee
₹500
₹500 Welcome Bonus
Rewards Rate
25%
Flat Cashback
Airport Lounges
0 Visits (No Access)
Free (No spend rule)
✓ 25% cashback on Airtel bills (Mobile, Broadband, WiFi, DTH) via Airtel Thanks App (capped at ₹250/month)
✓ 10% cashback on utility bill payments (Electricity, Water, Gas) via Airtel Thanks App (capped at ₹250/month)
− Complimentary airport lounge access discontinued on this variant
Estimated Net Value
+₹45,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
0 Visits (No Access)
Free (No spend rule)
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Wallets, Fuel
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.60% - 3.75% p.m.
Interest-Free Period: Up to 50 days
Bank of Baroda Visa Infinite
MITC Verified Nov 2026
Bank of Baroda

BOBCARD ETERNA Credit Card

•••• •••• •••• 2467

VISA
CardSahayak Score Verified
82 /100
4.1
Min CIBIL 750+ Min ₹1,00,000/mo

BOBCARD ETERNA Credit Card

Bank of Baroda • Rewards Tier

Our Take: Premium lifestyle card offering 3.75% rewards on travel and dining, 2.0% forex markup, unlimited domestic lounge access (on ₹75k spend), and ₹2.5L waiver.
Annual Fee
₹2,499
Waived @ ₹2.5 Lakh spend/yr
Joining Fee
₹2,499
₹48,000 Welcome Bonus
Rewards Rate
3.8%
Base Rate
Airport Lounges
Unlimited Dom
Spend criteria: Minimum ₹75,00...
✓ Outstanding 3.75% reward rate (15 points per ₹100) on travel, dining, and online shopping
✓ Reduced 2.00% foreign currency transaction markup fee
− ₹75,000 quarterly spend requirement to unlock domestic lounge visits
Estimated Net Value
+₹15,250/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
2.00% + GST
Lounge Access
Unlimited Dom
Spend criteria: Minimum ₹75,00...
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.75% - 3.75% p.m.
Interest-Free Period: 20 to 50 days
ICICI Bank American Express Coral American Express
MITC Verified Nov 2026
ICICI Bank

ICICI Coral American Express

•••• •••• •••• 1338

AMERICAN EXPRESS
CardSahayak Score Verified
82 /100
4.1
Min CIBIL 700+ Min ₹20,000/mo

ICICI Coral American Express

ICICI Bank • Rewards Tier

Our Take: Amex-powered entry card offering 4 RP per ₹100 on dining & groceries, 1 domestic lounge visit/quarter on ₹75K spend, 1 railway lounge visit/quarter, BookMyShow 25% off, and fee waiver on ₹1.5L.
Annual Fee
₹500
Waived @ ₹1.5 Lakh spend/yr
Joining Fee
₹500
One-time joining fee
Rewards Rate
4.0%
Base Rate • Accelerated
Airport Lounges
4 Domestic / yr
1 complimentary domestic airpo...
✓ 4 ICICI Reward Points per ₹100 spent on dining, groceries, and supermarket purchases via Amex network
✓ 2 ICICI Reward Points per ₹100 spent on all other retail purchases
− Domestic lounge access strictly conditioned on ₹75,000 previous-quarter retail spend
Estimated Net Value
+₹16,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
4 Domestic / yr
1 complimentary domestic airpo...
Redemption Fee
₹99
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.50% - 3.75% p.m.
Interest-Free Period: 20 to 50 days
Amex Acceptance & Terms: 95%+ online acceptance across Amazon, Flipkart, Swiggy, Zomato, and MakeMyTrip.
IndusInd Bank Visa Premium
MITC Verified Nov 2026
IndusInd Bank
LIFESTYLE

IndusInd EazyDiner

•••• •••• •••• 3066

VISA
CardSahayak Score Verified
81 /100
4.1
Min CIBIL 720+ Min ₹20,000/mo

IndusInd EazyDiner

IndusInd Bank • Lifestyle Tier

Our Take: Dining-focused card with EazyDiner Prime membership and restaurant discounts.
Annual Fee
₹2,999
Waived @ ₹2 Lakh spend/yr
Joining Fee
₹2,999
₹500 Welcome Bonus
Rewards Rate
10.0%
Base Rate
Airport Lounges
8 Domestic / yr
2 complimentary domestic airpo...
✓ Extra 25% instant discount up to ₹1,000 on dining via PayEazy (no minimum spend, valid on table bill)
✓ Complimentary 1-year EazyDiner Prime membership offering 25% to 50% discounts at premium restaurants
− No complimentary international airport lounge access
Estimated Net Value
+₹34,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
8 Domestic / yr
2 complimentary domestic airpo...
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.83% - 3.83% p.m.
Interest-Free Period: Up to 50 days
Kotak Mahindra Bank Visa, Rupay Prime
MITC Verified Nov 2026
Kotak Mahindra Bank

Kotak Cashback Plus

•••• •••• •••• 4150

VISA
CardSahayak Score Verified
80 /100
4.0
Min CIBIL 700+ Min ₹25,000/mo

Kotak Cashback Plus

Kotak Mahindra Bank • Cashback Tier

Our Take: Cashback card with 5% on groceries, food, OTT and 3% on fuel.
Annual Fee
₹750
Waived @ ₹2 Lakh spend/yr
Joining Fee
₹750
₹500 Welcome Bonus
Rewards Rate
5%
Flat Cashback • Accelerated
Airport Lounges
0 Visits (No Access)
Free (No spend rule)
✓ 5% cashback on groceries, food delivery, and OTT subscriptions
✓ 3% cashback on fuel purchases
− Cashback capped at ₹750 per billing cycle
Estimated Net Value
+₹15,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
0 Visits (No Access)
Free (No spend rule)
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Utilities, Govt
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.75% - 3.75% p.m.
Interest-Free Period: 20 to 48 days
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