Are you a food enthusiast who loves dining out or ordering in? The right dining credit card can help you save thousands every month through restaurant discounts, food delivery cashback, and exclusive dining privileges. Whether you're a fine dining connoisseur or a frequent food delivery user, there's a perfect card for your taste.
Top Benefits of Dining Credit Cards
Modern dining credit cards in India offer a range of food-related benefits:
- Restaurant Discounts: Up to 50% off via EazyDiner Prime membership
- Food Delivery Benefits: 10% cashback on Swiggy and Zomato orders
- Complimentary Memberships: Free Swiggy One, EazyDiner Prime worth ₹2,495
- Welcome Offers: Up to ₹5,000 worth dining vouchers on card activation
- Reward Points: Up to 20X rewards on dining transactions
Key Features to Look for in Dining Cards
When choosing a dining credit card in India, consider these important factors:
- Restaurant Coverage: Check partner restaurants in your city
- Reward Rates: Look for minimum 2-5X rewards on dining spends
- Delivery Platforms: Verify cashback on your preferred food apps
- Monthly Caps: Understand limits on cashback and discounts
- Additional Perks: Consider complementary benefits like wine or dessert
Types of Dining Credit Cards
- Premium Dining Cards:
- High-end restaurant discounts up to 50%
- Complimentary fine dining privileges
- Priority reservations at top restaurants
- Food Delivery Focused Cards:
- Higher cashback on Swiggy/Zomato (up to 10%)
- Free delivery memberships
- Special discounts on grocery apps
- Entry-Level Dining Cards:
- Basic restaurant discounts (15-25%)
- Moderate food delivery benefits
- Lower annual fees (₹500-1,000)
Smart Tips to Maximize Dining Benefits
- Weekend Dining: Many cards offer extra rewards on weekend dining
- Festival Offers: Look for special discounts during festivals
- Membership Activation: Register for dining memberships immediately
- Minimum Spends: Check minimum bill amounts for discounts (typically ₹1,000-2,500)
- Payment Methods: Some offers only valid on full bill payments, not partial
Common Questions About Dining Credit Cards
Q: How much can I save monthly with a dining credit card?
Regular users can save ₹2,000-5,000 monthly through a combination of restaurant discounts, delivery cashback, and reward points.
Q: Are dining cards worth their annual fees?
Yes, if you dine out 3-4 times monthly or order food delivery frequently. Just the complimentary memberships (worth ₹2,495+) can offset the annual fee.
Q: Do these cards work on all restaurants?
Benefits vary by card. Premium cards typically cover high-end restaurants, while others focus on casual dining chains. Check partner restaurants in your area before applying.
Here are the Best Dining Credit Cards in India:
Swiggy HDFC Bank Credit Card
HDFC Bank
Save up to Rs. 42,000 annually with Swiggy HDFC Bank Credit Card.
₹500
₹500
Mastercard
Jupiter Edge RuPay Credit Card
CSB Bank
The 3-in-1 RuPay Credit Card: Switch between shopping, travel, and dining with assured cashback.
Free
Free
RuPay
HSBC Live+ Credit Card
HSBC
Dine, shop and have fun with extra cashback.
₹999
₹999
VISA
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank
The ICICI Bank Emeralde Private Metal Credit Card is an invite-only super-premium credit card designed for high-end customers, offering luxury, travel, and lifestyle benefits.
₹12499
₹12499
VISA
BPCL SBI Card OCTANE
SBI Bank
Get 7.25% value back on fuel purchases, 25X Reward Points at BPCL, and 4 complimentary lounge visits per year.
₹1499
₹1499
VISA
SimplySAVE SBI Card
SBI Bank
Enjoy 10X reward points on dining, movies, departmental stores, and grocery spends. Get 2,000 bonus Reward Points on spending Rs. 2,000 or more in the first 60 days.
₹499
₹499
VISA
SBI Card PRIME
SBI Bank
SBI Card PRIME offers great reward rates, milestone benefits, lounge access, and various travel privileges.
₹2999
₹2999
VISA, Mastercard, Amex
SBI Card ELITE
SBI Bank
Premium lifestyle credit card with rewards, lounge access, and travel benefits.
₹4999
₹4999
VISA, Mastercard, Amex
HDFC Bank Diners Club Black Credit Card
HDFC Bank
For the global citizen who cherishes the unexplored, savor the exotic. Elevate your Joy with the HDFC Bank Diners Club Black Credit Card. Global Belonging, Ready For You.
₹10000
₹10000
Diners Club
HDFC Bank Regalia Gold Credit Card
HDFC Bank
Maximize Savings with Regalia Gold Credit Card and experience premium benefits like lounge access, milestone rewards, and exclusive memberships.
₹2500
₹2500
VISA
Millennia Credit Card
HDFC Bank
Best cashback credit card with benefits on shopping, dining, and travel.
₹1000
₹1000
VISA
Biz Black Metal Edition Credit Card
HDFC Bank
A premium business credit card with unlimited lounge access, golf benefits, and exclusive rewards.
₹10000
₹10000
Diners Club
Infania Credit Card Metal Edition
HDFC Bank
A premium metal credit card with exclusive benefits including unlimited lounge access, Club Marriott membership, golf privileges, and accelerated rewards.
₹12500
₹12500
VISA
ACE Credit Card
Axis Bank
Welcome to the world of cashback! This card becomes your everyday companion with accelerated cashback on all your spends.
₹499
₹499
VISA
Flipkart Axis Bank Credit Card
Axis Bank
Get unlimited cashback on Flipkart, Cleartrip, and preferred merchants, along with lounge access, dining discounts, and EMI options.
₹500
₹500
Mastercard
My Zone Credit Card
Axis Bank
Enjoy discounts on movies, Swiggy, AJIO, lounge access, and more with the My Zone Credit Card.
₹500
₹500
VISA
Axis Neo Credit Card
Axis Bank
Enjoy discounts on Zomato, Blinkit, Myntra, and BookMyShow along with cashback on utility bill payments.
₹250
₹250
VISA
LIC Axis Bank Platinum Credit Card
Axis Bank
Enjoy a powerful reward program, fuel surcharge waiver, and complimentary insurance cover. Earn reward points on every spend and accelerated points on LIC premium payments and international transactions.
Free
Free
VISA, Mastercard
Axis Bank Magnus Credit Card
Axis Bank
Premium travel and lifestyle credit card with luxury benefits.
₹12500
₹12500
Mastercard
Indianoil Axis Bank Credit Card
Axis Bank
Earn rewards on fuel spends at IOCL outlets, get fuel surcharge waiver, instant discounts on BookMyShow, and dining benefits.
₹500
₹500
RuPay, VISA, Mastercard
Axis Bank Privilege Credit Card
Axis Bank
Earn Axis EDGE REWARD points, complimentary lounge access, fuel surcharge waiver, and dining discounts with the Axis Bank Privilege Credit Card.
Free
Free
Mastercard
Axis Bank Select Credit Card
Axis Bank
Get premium benefits with Axis Bank Select Credit Card, including lounge access, milestone rewards, and cashback on top brands.
₹3000
₹3000
VISA
LIC Axis Bank Signature Credit Card
Axis Bank
Earn Reward Points on every spend and accelerated Reward Points on LIC premium payments and international transactions.
Free
Free
VISA
ATLAS Credit Card
Axis Bank
An airline-agnostic travel credit card designed to benefit you on every travel you make. Enjoy exclusive travel benefits and much more.
₹5000
₹5000
VISA
FIRST Power+ Credit Card
IDFC FIRST Bank
Save up to ₹18,500 annually with this credit card, enough to buy you 175+ litres of fuel.
₹499
₹499
RuPay
IDFC FIRST SWYP EMI Credit Card
IDFC FIRST Bank
A flexible credit card that lets you choose between easy EMI conversions or full payments, with exciting reward points and discounts.
₹199
₹199
VISA
IndusInd Legend Credit Card
IndusInd Bank
Enjoy world-class privileges on travel, dining, and shopping.
Free
Free
VISA
IndusInd Bank Platinum Aura Edge Credit Card
IndusInd Bank
The IndusInd Bank Platinum Aura Edge Visa and Mastercard Credit Card with the contactless feature enables you to make fast, convenient and secure purchases every day. Simply wave your credit card at merchant locations where contactless payment is accepted and you’re done.
Free
Free
VISA, Mastercard
Federal Bank Celesta Credit Card
Federal Bank
Premium credit card with exclusive travel, dining, and international spending rewards.
Free
Free
VISA
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Disclaimer:
The credit card information and recommendations provided are for general informational purposes only and do not constitute financial advice. While we strive to maintain accurate and current information, credit card offers, terms, and conditions may change without notice. Always verify all details directly with the card issuer before making any financial decisions. If you notice any inaccuracies, please contact us to help us maintain the quality of our content.