Updated September 2026: this list was first written in 2021. We have checked each card against its issuer’s website. One has been discontinued, one no longer appears in its bank’s listings, and the other three have changed. The original descriptions are kept below as a record of what each card offered at the time, and each one now carries its current status.
Which of these dining cards can you still get? As of September 2026, the RBL Cookies and Axis MY Zone cards are still offered, though with different fees and benefits from when we first listed them. The Kotak Delight Platinum has been discontinued for new applicants. The original HDFC Regalia no longer appears in HDFC Bank’s credit card listings, where the bank now offers the Regalia Gold, and HDFC’s current range lists the Diners Club Black Metal Edition.
They say the way to someone’s heart goes through their stomach, and rightly so. Material things like cars, clothes, jewellery may come and go, but good food and drinks are two of the simplest and timeless pleasures that people all over the world, from any walk of life, equally enjoy.
But dining out regularly at good restaurants is expensive, and it can burn a hole in your pocket. That is where a credit card with dining benefits can help.
Our Dining Credit Card Picks, and Where They Stand in 2026
Most card issuers run dining programmes, and some have cards designed around eating out. They can bring discounts on restaurant bills, cashback, vouchers and reward points.
| Card | Status in September 2026 |
|---|---|
| HDFC Regalia | No longer in HDFC Bank’s listings; the bank offers the Regalia Gold |
| Kotak Delight Platinum | Discontinued for new applicants |
| RBL Cookies | Still offered, with a monthly fee and new benefits |
| HDFC Diners Club Black | HDFC’s range lists the Diners Club Black Metal Edition |
| Axis MY Zone | Still offered, with different benefits |
These are the five cards we originally picked. Each section keeps the original description and adds what has changed.
HDFC Regalia Credit Card
Status in 2026: the original Regalia no longer appears in HDFC Bank’s credit card listings. The bank’s premium range now includes the Regalia Gold instead, so check HDFC Bank for its current fees and benefits.
When we first wrote this list, the HDFC Regalia was a luxury credit card from HDFC Bank, and its perks were:
- 12 international and domestic lounge visits permitted, with Priority Pass membership optional.
- Exclusive 24×7 Concierge Service to cater to your personal needs, anytime, anywhere.
- Reward Points on every spend of Rs. 150
- Complimentary Zomato Pro membership for the first year.
At the time the annual fee was Rs. 2,500, and the card suited travellers and foodies alike, with complimentary airport lounge access and a free Zomato membership for the first year. The HDFC Good Food Trail programme offered a 15% discount on dinner bills at partner restaurants.
At the time, those earning more than Rs. 70,000 a month, or filing an Income Tax Return in excess of Rs. 8.4 lakhs per annum, were eligible to apply.
Kotak Delight Platinum Credit Card (Former recommendation — discontinued)
Status in 2026: Kotak Mahindra Bank says it has discontinued this card for new sourcing, and the product is only shown for existing Essentia cardholders. You can no longer apply for it.
When we first listed it, the card was aimed at people who spend Rs. 5,000–6,000 or more a month on dining out, and it was also useful for shopping and other needs.
Perks when we first listed it:
- Up to 10% cashback on dining.
- Up to 10% cashback on movies.
- Railway surcharge waiver if you book tickets online. Maximum waiver permitted is Rs. 500.
- Fuel surcharge waiver on fuel spends ranging between Rs. 400-4000. The surcharge waiver on fuel is capped at Rs.4500 per annum.
- Delight Shield to cover your losses in case your card gets stolen. The amount received by the holder is Rs. 1,25,000 against fraudulent usage.
The 10% cashback on dining and movies applied only if you spent Rs. 10,000 a month on categories other than restaurants and entertainment. Cashback was capped at Rs. 600 a month, on transactions of up to Rs. 4,000, and spending Rs. 1,25,000 in 6 months earned 4 PVR tickets worth Rs. 750 in cashback. The joining fee was Rs. 1,999 and the annual fee Rs. 299, and Kotak’s page still lists those fees for existing cardholders.
RBL Cookies Card
Status in 2026: still offered, but on different terms. RBL Bank now charges a monthly membership fee of Rs. 100 plus GST. New cardholders get a welcome gift voucher worth Rs. 1,000, from retailers such as Croma, Myntra, Amazon, Flipkart or Shoppers Stop, when they transact within 30 days. The card gives 10% cashback on Zomato, Myntra and Uber, capped at Rs. 300 per brand and Rs. 900 in total each month, and a 10% instant discount on BookMyShow of up to Rs. 300 a month.
The Cookies card was known for its vibrantly colourful design.
Perks when we first listed it:
- Welcome gift in the form of an Amazon Pay card worth Rs. 500 on your first spend within 30 days of card membership and payment of the membership fee.
- 10% off on tickets from BookMyShow, 10 times a year.
- 10% discount on Zomato orders, 10 times a year.
- 10% off Uber rides for 10 rides a year, up to Rs. 100 per ride.
Originally, the BookMyShow, Zomato and Uber discounts were unlocked after annual spends of Rs. 10,000, Rs. 30,000 and Rs. 75,000 respectively, and an annual spend of Rs. 1,50,000 earned a free Zomato Gold membership.
HDFC Diners Club Card
Status in 2026: HDFC Bank’s current range lists the Diners Club Black Metal Edition. Check the bank’s website for its fees and benefits, which may differ from the card described here.
The HDFC Diners Club cards are among the most premium in the country, with a range of benefits depending on the card you choose. The one we originally picked was the HDFC Diners Club Black Credit Card.
Perks when we first listed it:
- Complimentary memberships of travel and food clubs such as MakeMyTrip Double Black, Zomato Gold, Amazon Prime and Club Marriott.
- Spends above Rs. 80,000 a month made you eligible for complimentary vouchers from TataCliq, Cure Fit and other partners.
- Golf access 6 times a year, all over the world.
- A dedicated concierge service, 10 times reward points for spends at partner brands, and 2 times reward points for weekend dining.
At the time the card carried a joining and renewal membership fee of Rs. 10,000 a year.
Axis MY Zone Credit Card
Status in 2026: still offered. Axis Bank lists a joining fee of Rs. 500 and an annual fee of Rs. 500. Its current dining benefits include a flat Rs. 120 off food delivery on Swiggy and access to the Axis Bank Dining Delights programme, and the card earns 4 EDGE Reward points for every Rs. 200 spent.
The Axis MY Zone card was pitched at shoppers, movie lovers and foodies alike.
Perks when we first listed it:
- Up to 20% off at partner restaurants, from fast-food chains such as KFC and TGI Fridays to restaurants like Sun and Moon Korean, under the Dining Delights programme.
- Up to 25% savings on shopping from Myntra, and Rs. 1,000 of savings as a welcome offer.
- 1 complimentary lounge access within India per calendar quarter.
- 25% cashback on Paytm movie tickets, capped at Rs. 100 per month.
- Conversion of purchases of Rs. 2,500 and above into EMIs.
Originally, the joining fee of Rs. 500 was waived if you spent Rs. 5,000 within the first 45 days.
How to Choose a Dining Credit Card
Card benefits change often, as this list shows, so compare cards on these points before you apply:
- The fee against the savings. Work out what you would actually save in a year. A 10% cashback capped at Rs. 600 a month, for example, can never return more than Rs. 7,200 a year.
- Spend conditions. Some benefits only unlock after a minimum spend, sometimes on categories other than dining.
- Where the benefit applies. Some cards reward restaurant bills, others food-delivery apps such as Zomato or Swiggy. Pick the one that matches how you eat out.
- Caps and limits. Monthly caps, per-brand caps and limits on the number of uses set the real value of an offer.
- The issuer’s current terms. Always read the bank’s own card page before applying, because fees and offers are revised without notice.
Sources: official credit card pages of HDFC Bank, Kotak Mahindra Bank, RBL Bank and Axis Bank, checked September 2026. The original card descriptions come from the first version of this article. This article is general information, not financial advice.
