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Card picks for dining out

Pro-tip: Please use your mobile number and address linked with your Aadhar card for a successful application

HSBC Live Plus

  • 10% back on dining (and Zomato / Swiggy) upto ₹1K monthly
  • Efficient: no minimum spend for cashback
  • Welcome offer: ₹1K cashback for first month spend of ₹20K
  • Joining & annual fees of ₹1180

IndusInd EazyDiner Prime

  • 25% dining discount on EazyDiner app (no caps)
  • Additional 2% back in EazyPoints on dining spends (redeemedable on EazyDiner)
  • Welcome benefit: 2K EazyPoints
  • Joining & annual fees of ₹2,359

HDFC Swiggy

  • 10% back on Swiggy Dineout upto ₹1.5K monthly
  • Welcome offer: 3 months Swiggy One membership
  • Joining & annual fees of ₹590

HDFC Diners Black

  • 2X points (~6.66%) back on weekend dining (10 points for every ₹150 spend)
  • Welcome Offer: Complimentary Swiggy One membership
  • Premium card with joining & annual fees of ₹11800

AU Bank Zenith

  • 5% back on dining (upto ₹1.25K per month)
  • Extra 0.5% (₹1K on quarterly spend of 2L), ₹625 on 1 birthday txn
  • Joining fees: ₹9439; Welcome offer: ₹1K on first txn, ₹2.5K on ₹1L spent in 60 days, fees waiver on ₹1.5L spent

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Additonal Notes​

  1. If the restaurant offers either EazyDiner or Swiggy Dineout / Zomato Gold, more often that not - it turns out to be a good deal.
  2. HSBC Live Plus is a very nice utility card for dining out
  3. For large dining expenses (team dinners etc.), one can get value from AU Bank Zenith, or even Axis Magnus on AEP