Best card for
Best credit card for Restaurant (dine-in)
Which card to use for Restaurant (dine-in) in India - all 187 cards ranked
by what you actually get back on ₹3,000, after caps, exclusions and fees.
Top cardson ₹3,000
1
HSBC Live+
Swipe / tap at the terminal · 10% dining / food delivery / groceries / shopping / utilities · cap ₹1,200/month
hsbc.co.in · 27 Sep 2026
₹300
10%
2
HSBC RuPay Cashback
Swipe / tap at the terminal · 10% dining / food delivery / groceries · cap ₹400/month TOTAL cashback across BOTH the 10% and 1% tiers (bank caps combined; engine models per-rule - true ceiling is ₹400 all-in)
hsbc.co.in · 20 Aug 2026
₹300
10%
3
FIRST Private
Swipe / tap at the terminal
idfcfirstbank.com · 25 Sep 2026
₹200
200 pts · 6.67%
4
Axis Burgundy Private
Swipe / tap at the terminal
axis.bank.in · 21 Aug 2026
₹191
225 pts · 6.38%
5
PIXEL Play
Swipe / tap at the terminal · 5% on dining & entertainment (selected pack) · cap 500 CashPoints per selected category per calendar month
hdfc.bank.in · 21 Sep 2026
₹150
5%
6
BOBCARD Eterna
Swipe / tap at the terminal · 15 RP / ₹100 on dining, travel, intl, online shopping (3.75%) · cap 5,000 pts/month
bobcard.co.in · 21 Aug 2026
₹113
450 pts · 3.75%
7
Tiara
Swipe / tap at the terminal · 15 pts / Rs 100 on dining and travel · cap 5,000 Reward Points on the mentioned categories per statement cycle
bobcard.co.in · 30 Sep 2026
₹113
450 pts · 3.75%
8
Axis Magnus for Burgundy
Swipe / tap at the terminal · Spend-tiered: 12 ERP/₹200 up to ₹1.5L/month, then 35 ERP/₹200 above · cap 12 ERP/₹200 to ₹1.5L/month, then 35 ERP/₹200 (bank-capped at credit limit + ₹1.5L spends/month)
axis.bank.in · 22 Aug 2026
₹108
180 pts · 3.6%
9
HDFC Infinia Metal
Swipe / tap at the terminal
hdfcbank.com · 20 Aug 2026
₹100
100 pts · 3.33%
10
HDFC Diners Club Black Metal
Swipe / tap at the terminal
hdfcbank.com · 20 Aug 2026
₹100
100 pts · 3.33%
Best with no annual fee3
1
Kotak Solitaire Credit Card
Swipe / tap at the terminal
kotak.bank.in · 30 Sep 2026
₹90
90 pts · 3%
2
IndusInd Tiger
Swipe / tap at the terminal · Up to 6 pts / ₹100 via annual spend slabs · cap 5,000 pts/month
indusind.bank.in · 21 Aug 2026
₹72
180 pts · 2.4%
3
Scapia (Federal Bank)
Swipe / tap at the terminal
federal.bank.in · 20 Aug 2026
₹60
300 pts · 2%
Best if you pay directly3
1
HSBC Live+
Swipe / tap at the terminal · 10% dining / food delivery / groceries / shopping / utilities · cap ₹1,200/month
hsbc.co.in · 27 Sep 2026
₹300
10%
2
HSBC RuPay Cashback
Swipe / tap at the terminal · 10% dining / food delivery / groceries · cap ₹400/month TOTAL cashback across BOTH the 10% and 1% tiers (bank caps combined; engine models per-rule - true ceiling is ₹400 all-in)
hsbc.co.in · 20 Aug 2026
₹300
10%
3
FIRST Private
Swipe / tap at the terminal
idfcfirstbank.com · 25 Sep 2026
₹200
200 pts · 6.67%
Questions
Which credit card is best for Restaurant (dine-in)?
HSBC Live+ is the best card for Restaurant (dine-in). It nets ₹300 on a ₹3,000 spend. Swipe / tap at the terminal.
Which cards give nothing on Restaurant (dine-in)?
None of the cards we track exclude it.
Is a gift voucher better than paying directly for Restaurant (dine-in)?
No voucher route earns more here. Pay directly with HSBC Live+ for ₹300 on ₹3,000.