All categories
Cards ranked for dining
By effective returncashback · category specialist · excl. emi, fuel, government, jewelry, rent, wallet load
10%
cap: ₹1,500/mo
Approximatemiles · base rate fallback · excl. rent, fuel, utility, insurance, wallet load, education, govt payments
7%
cap: none
Verifiedmiles · base rate fallback · excl. rent, fuel, utility, insurance
4%
cap: none
VerifiedAbout dining rewards
Restaurants, cafes, and in-person dining. Most transactions in this category route through merchant category codes 5812, 5813, 5814, which is how reward rules identify them. The Kotak Mahindra Bank PVR Gold leads for dining today at 20% effective return. Tapwise tracks reward coverage at 3 dining merchants.
What you would earn
Example calculationA ₹1,200 dining purchase
₹240 reward
Kotak Mahindra Bank PVR Gold, 20% effective cashback.
Frequently asked
5 questionsWhich credit card earns the most on dining in India?
The Kotak Mahindra Bank PVR Gold earns 20% effective return on dining, the highest of the 8 cards Tapwise tracks in this category.
Which MCC codes count as dining?
Tapwise treats merchant category codes 5812, 5813, 5814 as dining when matching reward rules. Card networks assign the MCC at the merchant level, so the same purchase will be tagged the same way across cards.
How many dining cards have a category-specific reward?
4 of the 8 ranked cards have a rule specifically for dining. The rest fall back to their base rate at this category.
Which merchants count as dining on Tapwise?
Common dining merchants include McDonald's, Restaurant (dine-in), Starbucks. See the merchant list on this page for the full set; each has its own dedicated reward breakdown.
How often does Tapwise update dining reward data?
Reward rules are re-checked weekly against issuer documents. The "verified" badge on a card means the rule was hand-reviewed; "approximate" means our team is still finalising it and we use conservative defaults so users see at least as much reward as we promise.