Best dining credit cards
Restaurants, food delivery, groceries.
🇮🇳 India
At a glance
| Card | Annual fee | Fee waived at | Forex markup | Stated min income | Network | Checked |
|---|---|---|---|---|---|---|
| ICICI Sapphiro ICICI Bank | ₹3,500 | ₹6,00,000 / yr | 3.5% | ₹10,00,000 / yr | visa | not yet verified |
| HDFC Regalia Gold HDFC Bank | ₹2,500 | ₹4,00,000 / yr | 2% | ₹12,00,000 / yr | visa | not yet verified |
| HDFC Diners Club Privilege HDFC Bank | ₹1,000 | ₹3,00,000 / yr | 3.5% | ₹4,20,000 / yr | diners | not yet verified |
| HDFC Swiggy HDFC Bank | ₹500 | ₹2,00,000 / yr | 3.5% | ₹3,60,000 / yr | mastercard | not yet verified |
HDFC Regalia Gold
HDFC Bank
Mid-tier travel + dining without the Diners Black price tag
HDFC Swiggy
HDFC Bank
Heavy Swiggy/Instamart users, 10% on the platform tops anything else.
HDFC Regalia
HDFC Bank
Mid-tier travel without the Regalia Gold price tag.
HDFC Diners Club Privilege
HDFC Bank
Food delivery regulars who want 5x points on Swiggy and Zomato.
ICICI Sapphiro
ICICI Bank
Mid-premium with strong dining + travel mix.
🇺🇸 United States
At a glance
| Card | Annual fee | Fee waived at | Forex markup | Stated min income | Network | Checked |
|---|---|---|---|---|---|---|
| Amex Blue Cash Preferred American Express | $95 | not confirmed | 2.7% | None stated | amex | 2026-07-14 |
| Chase Sapphire Reserve Chase | $795 | not confirmed | 0% | None stated | visa | not yet verified |
| Amex Business Gold American Express | $375 | not confirmed | 0% | None stated | amex | not yet verified |
| American Express Gold American Express | $325 | not confirmed | 0% | None stated | amex | not yet verified |
| Chase Sapphire Preferred Chase | $95 | not confirmed | 0% | None stated | visa | not yet verified |
| Bank of America Premium Rewards Bank of America | $95 | not confirmed | 0% | None stated | visa | not yet verified |
| Chase Freedom Unlimited Chase | None | - | 3% | None stated | visa | not yet verified |
| Capital One Savor Capital One | None | - | 0% | None stated | mastercard | not yet verified |
| Wells Fargo Autograph Wells Fargo | None | - | 0% | None stated | visa | not yet verified |
| US Bank Altitude Connect US Bank | None | - | 0% | None stated | visa | not yet verified |
Chase Sapphire Preferred
Chase
First-time travel-rewards card, sweet-spot earn rates
American Express Gold
American Express
Heavy restaurant + grocery spenders ($1K+/mo on food)
Chase Freedom Unlimited
Chase
No-fee everyday card; pairs perfectly with Sapphire Preferred
Capital One Savor
Capital One
Foodies on a no-fee card, restaurants, delivery, streaming, groceries
Chase Sapphire Reserve
Chase
Annual travelers, the upgrade path from Sapphire Preferred.
Amex Blue Cash Preferred
American Express
Suburban families with kids, best US-supermarket card.
Wells Fargo Autograph
Wells Fargo
No-fee 3x on six categories, broader than most no-fee competitors.
Amex Business Gold
American Express
Small businesses, 4x on top 2 spend categories from a list of 6.
Bank of America Premium Rewards
Bank of America
BoA Preferred Rewards clients, up to 2.625x with $100K relationship.
US Bank Altitude Connect
US Bank
No-fee 4x travel, rare combination of no fee + premium earn rate.
Best dining credit cards, common questions
Every figure below is read from our card catalog at build time, so it cannot drift from the card pages.
How many dining credit cards are compared here?
15 dining cards, 5 from India and 10 from the US. Cards from each market are listed separately because their fees, income rules and reward currencies do not compare directly.
Which dining credit cards have no annual fee?
4 of the 15 dining cards listed here carry no annual fee: Capital One Savor, Chase Freedom Unlimited, US Bank Altitude Connect and Wells Fargo Autograph. A zero annual fee does not mean zero cost; check the joining fee and the foreign transaction markup on each card page before you apply.
How much do these dining cards cost per year?
Annual fees across the 15 dining cards on this page run ₹500 to ₹3,500 (highest: ICICI Sapphiro); and $0 to $795 (highest: Chase Sapphire Reserve). Fee waivers on annual spend are common in India and rare in the US, so read the waiver threshold rather than the headline fee.
Which of these dining cards is cheapest on foreign spend?
8 of these cards charge 0% on foreign currency transactions, among them American Express Gold, Amex Business Gold and Bank of America Premium Rewards, and 5 more. That is the lowest markup among the 15 cards here whose rate we have confirmed against the issuer.
What income do you need for these dining cards?
Of the 5 cards here that state an income requirement, the lowest bar is the HDFC Swiggy at ₹3,60,000 a year. Issuer income figures are guidelines rather than hard cutoffs, and US issuers generally publish none at all.