SBI Card ELITE on Dining out

Yes. The SBI Card ELITE gives 2.5% back when you pay on Dining out directly, compared with 0.5% on its other spends.

On Dining out

2.5%

Other spends

0.5%

Rank for Dining out

#16 of 149

Annual fee

₹4,999* Plus Applicable Taxes

What to know before you pay on Dining out

How it works

Grocery apps count as grocery (5X). Swiggy/Zomato earn 5X only if the merchant codes as dining/fast food, which is typical but not guaranteed.

Caps & rules

5X (10 points per ₹100) on dining, departmental stores and grocery; 2 points per ₹100 on everything else except fuel.
4 points = ₹1.
Milestones: 10,000 bonus points at ₹3L and ₹4L annual spend, 15,000 at ₹5L and ₹8L.
SBI's product page doesn't state a current monthly cap on 5X points.

Reward limits

10 points per ₹100 on dining, departmental stores and grocery; 2 per ₹100 elsewhere: No published limit

No rewards on

Fuel, rent, wallet loads, government, gaming, education, EMI/Flexipay

Checked 2026-09-27 · Bank terms

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Cards that earn more on Dining out

#1
Swiggy HDFC Credit Card
HDFC Bank · ₹500 + Taxes · Max ₹1,500 per statement cycle

10%
Apply now
#2
HSBC Live+ Credit Card
HSBC Bank · Free · Max ₹1,200 a month

10%
Apply now
#3
HDFC Diners Club Black
HDFC Bank · ₹10,000 + Taxes · Max ₹2,000 a month

6.67%
Apply now

Where else the SBI Card ELITE earns more

BigBasket 2.5% Blinkit 2.5% JioMart 2.5% Swiggy 2.5% Swiggy Instamart 2.5% Zepto 2.5% Zomato 2.5%

Questions

Does the SBI Card ELITE give rewards on Dining out?

Yes. The SBI Card ELITE gives 2.5% back when you pay on Dining out directly, compared with 0.5% on its other spends.

Is there a limit on SBI Card ELITE rewards?

5X (10 points per ₹100) on dining, departmental stores and grocery; 2 points per ₹100 on everything else except fuel. 4 points = ₹1. Milestones: 10,000 bonus points at ₹3L and ₹4L annual spend, 15,000 at ₹5L and ₹8L. SBI's product page doesn't state a current monthly cap on 5X points.

Which credit card is best for Dining out?

Swiggy HDFC Credit Card is the best pick for regular spending on Dining out, with 10% back. The SBI Card ELITE ranks #16 of 149 cards we compared, by what each returns after caps.