Which are the best credit cards to spend on food, dining and groceries?

Going out to eat is quite common among young college-goers, couples, and even families. But when you use a cashback credit card, you can optimise your spend effectively.

These are some of the credit cards that are good for spending on groceries and food.

Best credit cards for food and dining

1. IndusInd Easydiner: It is a good credit card for those who like to eat out often. The card's annual fee is ₹2,999 and offers these benefits:

A. ₹2000 easydiner points

B. Complimentary easydiner prime (3000 + value)

C. Postcard hotel stay voucher ( ₹7500 value)

These are the dining benefits:

A. It gives a flat 25% discount via Easydiner

B. It also gives up to ₹2,000 discount per month

C. There is no minimum spend required

D. The card also offers these spend-based benefits: 2% cashback on Zomato & Swiggy.

2. Swiggy HDFC card

This credit card is offered in multiple variants: orange (fee of ₹500) and black (fee of ₹1000). The core cashback is given on food delivery/Instamart/Dineout

Black/Old Swiggy HDFC card, there is a 10% cashback

Orange card: There is a 5% cashback

It is important to note that a minimum spend of ₹249 is required; below that, no cashback is given. For online spends on Amazon, Flipkart, and Myntra, 5% cashback is offered.

3. HSBC Live Plus

The joining and annual fee is ₹999, but it gives a welcome ₹1000 cashback on spending ₹20,000 in the first 30 days.

These are the spend-based benefits:

> 10% cashback on dining, food and groceries

> up to ₹1000 cashback per month, there is no restriction

4. Other cards: SBI Cashback/SBI PhonePeSelect Black/ Axis Cashback:

SBI Cashback and SBI PhonePe Select Black cards offer 5% cashback, capped at ₹2,000 per month. Axis cashback offers up to 7% cashback with a monthly cap of ₹4,000. Cardholders can use these cards on Swiggy Instamart, Swiggy Dineout, Zomato/Blinkit/District.

5. HDFC Millennia: This card offers 5% cashback on Swiggy and Zomato with a monthly cap of ₹1,000. It is easy to get this card. It also offers 5% cashback on Amazon, Flipkart, Myntra, BookMyShow, Uber, TataCliq, and Cult.

But it is important to note that you should choose the credit card which suits your spending pattern. 

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