Lifestyle & Dining Credit Cards in India
Cards for dining, food delivery, movies and entertainment — cashback rates, restaurant discount programmes and free movie tickets compared.
Updated 28 September 2026 · 107 cards from 17 issuers trackedWhat you need to know
Lifestyle cards reward the spends that fill most weekends: restaurants, food delivery, movies, groceries and shopping. The best-value options today are category cashback cards such as HSBC Live+ (10% on dining, food delivery and groceries, up to ₹1,200 a month) and Swiggy HDFC (10% on Swiggy), plus dining-programme cards such as EazyDiner IndusInd, and movie cards such as RBL Play.
- Restaurant discounts through programmes like EazyDiner, Swiggy Dineout or Zomato are offers on top of the card, and often need booking through the app.
- Movie benefits usually need a minimum monthly spend — RBL Play gives 2 BookMyShow tickets (up to ₹250 each) only after ₹5,000 of spend that month.
- SBI Card PRIME and ELITE give 10 reward points per ₹100 on dining and groceries (about 2.5%) with monthly caps.
Lifestyle cards compared
| Card | Issuer | Joining / annual fee | Reward rate | Best for | Net value on ₹3 lakh/yr spend* |
|---|---|---|---|---|---|
| BOBCARD Tiara | Bank of Baroda (BOBCARD) | ₹2,499 / ₹2,499 | 0.75% base value | Women seeking lifestyle memberships + travel rewards | ₹2,250 |
| Kotak Zen Signature | Kotak Mahindra Bank | ₹1,500 / ₹1,500 | 0.67% base value | Lifestyle and apparel shoppers | ₹2,010 |
| ICICI Bank Rubyx | ICICI Bank | ₹3,000 / ₹2,000 | 0.50% base value | Mid-tier users wanting welcome vouchers and dual-card options | ₹1,500 |
| SBI Card PRIME | SBI Card | ₹2,999 / ₹2,999 | 0.50% base value | Everyday category spenders who can hit milestones | ₹1,500 |
| SBI Card ELITE | SBI Card | ₹4,999 / ₹4,999 | 0.50% base value | Mid-premium users wanting lounge access and low forex markup | -₹4,399 |
| Axis Bank MY Zone | Axis Bank | ₹500 / ₹500 | 0.40% base value | Entry users wanting OTT and movie/dining offers | ₹610 |
| RBL Bank Play Credit Card (BookMyShow) | RBL Bank | ₹500 / ₹500 | See card page | Movie-goers | — |
| BOI RuPay Select | Bank of India | Free / ₹800 | See card page | BOI customers wanting lounge + OTT/food memberships | — |
| PNB RuPay Millennial | Punjab National Bank | ₹399 / ₹999 | See card page | Young professionals; golf/spa/gym perks | — |
| Union Bank DIVAA ICON | Union Bank of India | Free / ₹1,499 | See card page | Women; lifestyle vouchers | — |
| EazyDiner IndusInd Bank Credit Card (Signature) | IndusInd Bank | ₹2,999 / ₹2,999 | See card page | Frequent diners | — |
* Base reward value on ₹3 lakh of yearly spends minus annual fee + 18% GST (fee treated as waived when the published waiver threshold is ₹3 lakh or less). Accelerated categories, caps and exclusions change the real value — see each card page.
Dining cards compared
| Card | Issuer | Joining / annual fee | Reward rate | Best for | Net value on ₹3 lakh/yr spend* |
|---|---|---|---|---|---|
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia | -₹1,810 |
| Standard Chartered Beyond | Standard Chartered | ₹15,000 / ₹25,000 | 3.33% base value | Affluent Priority Banking clients | -₹19,510 |
| HSBC Live+ | HSBC India | ₹999 / ₹999 | 1.50% base value | Dining & grocery cashback | ₹4,500 |
| HSBC RuPay Cashback | HSBC India | ₹499 / ₹499 | 1.00% base value | UPI + dining cashback; 0% forex promo till 31 Dec 2026 | ₹3,000 |
| Swiggy HDFC Bank | HDFC Bank | ₹500 / ₹500 | 1.00% base value | Heavy Swiggy/food-delivery users (note: HDFC also lists newer Swiggy … | ₹3,000 |
| BOBCARD Eterna | Bank of Baroda (BOBCARD) | ₹2,499 / ₹2,499 | 0.75% base value | Online shopping, dining and travel spenders | ₹2,250 |
| BOBCARD Tiara | Bank of Baroda (BOBCARD) | ₹2,499 / ₹2,499 | 0.75% base value | Women seeking lifestyle memberships + travel rewards | ₹2,250 |
| Kotak Cashback+ | Kotak Mahindra Bank | ₹750 / ₹750 | 0.50% base value | Online food/grocery and OTT spenders | ₹615 |
| BOBCARD Premier | Bank of Baroda (BOBCARD) | ₹1,000 / ₹1,000 | 0.50% base value | Mid-tier travel & dining rewards | ₹1,500 |
| RBL Bank Platinum Maxima Plus | RBL Bank | ₹2,500 / ₹2,500 | 0.50% base value | Dining & entertainment rewards | -₹1,450 |
| SBI Card PRIME | SBI Card | ₹2,999 / ₹2,999 | 0.50% base value | Everyday category spenders who can hit milestones | ₹1,500 |
| Axis Bank MY Zone | Axis Bank | ₹500 / ₹500 | 0.40% base value | Entry users wanting OTT and movie/dining offers | ₹610 |
| SBI SimplySAVE | SBI Card | ₹499 / ₹499 | 0.17% base value | Entry-level users spending on groceries, dining and movies | ₹510 |
| BOI Visa Platinum International | Bank of India | Free / ₹500 | See card page | Low-fee international-use card; dining offers | — |
| EazyDiner IndusInd Bank Credit Card (Signature) | IndusInd Bank | ₹2,999 / ₹2,999 | See card page | Frequent diners | — |
* Base reward value on ₹3 lakh of yearly spends minus annual fee + 18% GST (fee treated as waived when the published waiver threshold is ₹3 lakh or less). Accelerated categories, caps and exclusions change the real value — see each card page.
Matching the card to your habits
| You spend most on | Card | Benefit |
|---|---|---|
| Food delivery and groceries | HSBC Live+ / HSBC RuPay Cashback | 10% (caps ₹1,200 and ₹400 a month) |
| Swiggy (food, Instamart, Dineout) | Swiggy HDFC Bank | 10%, capped ₹1,500 a month |
| Eating out | EazyDiner IndusInd | Up to 50% off via EazyDiner (extra discount capped ₹1,000 per bill), EazyDiner Prime included |
| Movies | RBL Play (BookMyShow) | 2 tickets a month up to ₹250 each on ₹5,000 monthly spend |
| Mixed lifestyle categories | SBI Card PRIME | 10 RP per ₹100 on dining, groceries, movies, departmental stores (cap 7,500 RP a month) |
What your dining and delivery spend earns
Frequently asked questions
Which credit card is best for food delivery?
HSBC Live+ (10% on dining, delivery and groceries, capped ₹1,200 a month) or Swiggy HDFC (10% on Swiggy, capped ₹1,500) if Swiggy is your main app. Axis ACE gives 4% on Zomato and Swiggy within a combined ₹500 monthly cap.
Do dining discounts apply at every restaurant?
No. They apply only at restaurants in the programme (EazyDiner, Dineout etc.) and usually need the table to be booked or the bill paid through the app.
Are lifestyle cards worth a ₹2,999 annual fee?
Only if you use the benefits regularly. EazyDiner IndusInd at ₹2,999 is worth it for someone dining out a few times a month; for occasional diners a ₹499–₹999 cashback card usually returns more.
Card features, fees and reward rates are compiled from issuers’ published terms and reputable card-review sites (source and date on each card page). Issuers change benefits often — confirm the latest MITC before applying.