Best credit card for dining and restaurants with no annual fee
Muthulakshmi Brar
Asked 26 Feb 2026
Looking for a zero-annual-fee credit card that gives solid value on travel and flights. My spends are around ₹1,00,000/month.
2 Answers
I had the same dilemma. The way I decided was: list down my top 3 monthly spend categories, calculate the rewards on each card, and pick whichever gives the highest cashback on MY pattern. Generic 'best card' lists are useless for personal decisions.
I've held this card for 3 years. Quick reality check: the welcome benefit is good, the first-year fee waiver is easy, but from year 2 onwards you really have to work for the milestone benefits. Don't keep it if your monthly spend drops below the milestone threshold.
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