Best dining credit cards in India for people who love eating out


Attention all food enthusiasts and frequent diners! Are you ready to elevate your gastronomic adventures? If you love to explore culinary delights with your partner, family, or friends, having the best dining credit card in India can be a game-changer. With many options, finding the right one that suits your needs might seem daunting, but it’s a decision that can significantly enhance your dining experience.

Dining credit cards in India are not just the latest trend; they are rapidly becoming necessary. A dining credit card is a must-have if you enjoy exclusive dining experiences. A good dining credit card will open doors to a world of great discounts, exclusive privileges, rewards, complimentary memberships, and other incredible dining perks designed to make you feel like a VIP.

For your benefit, we have curated a list of the best dining credit cards in India, from which you can pick and choose according to your unique spending habits and lifestyle. In this article, we provide a comprehensive guide to the best credit cards for dining to buy in 2024, highlighting their unique benefits, each designed to satisfy your hunger for savings and luxury dining experiences. But before we explore the best dining credit card options, we first look at what dining cards are and how they differ from other credit cards.

Check out our list of best travel credit cards with maximum benefits

What are dining credit cards?

In India, various credit card options are available, including cashback credit cards, lifestyle credit cards, travel credit cards, entertainment credit cards, fuel credit cards, and corporate credit cards. Banks and financial institutions curate these different card categories to offer you the best offers, lucrative discounts, amazing deals, cashback, etc., based on your lifestyle and spending habits.

Likewise, dining credit cards elevate your dining experience. They offer the best deals, discounts, and reward points whether you visit any Food and Beverage (F&B) outlet or order food online. These days, ordering food from Zomato or Swiggy sometimes requires paying high surge costs, platform fees, etc. However, with the right dining credit card, you can make smart financial decisions and avoid these extra charges.

Whether dining out at a fine restaurant, visiting a local eatery, or ordering food online, having the best credit card can provide many attractive benefits and rewards. Picture this: While enjoying a family outing or a meeting with your friends, you are presented with a huge bill, say 5,000 or 10,000. How would you feel if you were asked to pay the bill in full? However, if you have a dining credit card, you can easily avail of a discount from 10% to even 50%, and significantly save on your bill.

Also, all that glitter is not gold. With pros, one also needs to know a few caveats while applying for a dining credit cards in India. These dining credit cards come with several costs, such as annual fees, credit limits, late payment fees, overspending penalties, etc. Hence, while picking from the list of the most beneficial credit cards for dining, you must understand your dining habits and weigh the costs against benefits, user reviews, rewards system, etc. A careful selection would genuinely elevate your dining experience.

Benefits of a dining credit card

Dining credit cards in India offer many benefits (offers, discounts, deals, etc.) to users who order food online or visit an F&B outlet. Here, we look at the different types of advantages a dining credit card user can avail:

Online Discounts: While ordering food online, you can avail yourself of discounts, ranging from 10-50%, on several online aggregators like Zomato, Swiggy, Uber Eats, etc. The discounts depend on the platform, your order value, payment mode, etc.

Reward Points: Every credit card offers reward points, but dining credit cards offer 10x reward points compared to your usual spending. You can use these reward points to claim other coupons, deals, etc., from what your credit card offers.

Cashback Offers: Several dining credit cards in India offer cashback offers. Once you have paid your bill amount, you will receive a certain amount of your bill value as cashback in your account in 7-45 days, depending on your credit card policies.

Complimentary Rewards: Dining credit cards offer complimentary rewards based on your bill value, such as additional beverages, starters, desserts, appetisers, etc. Your dining credit can also provide complimentary airport lounge benefits based on your spending.

Discounts at select outlets: Several dining credit cards offer special promotions at a select few F&B outlets, where the user can get a discount of 10-50% while paying the bill value. Such offers are mostly available if bookings are done through food-delivery apps.

Types of dining credit cards in India

There are more than 50+ options for selecting the right dining credit card in India. Multiple banks, fintech brands, and financial institutions offer unique offerings. We take a deep dive into the world of dining credit cards in India and have curated a list of the best credit cards for dining. Here’s a detailed look at the top five dining credit cards which you can apply for:

Swiggy HDFC Bank Credit Card

Joining Fee: INR 500

The most economical dining credit card on this list is Swiggy HDFC Bank Credit Card. It has an annual/renewal fee of INR 500. It offers a complimentary 3-month Swiggy One Membership worth INR 1,199 upon card activation. The credit card offers multiple benefits, such as a 10% cashback, with a monthly cap of up to INR 1,500, on the Swiggy app and a 5% cashback on online spending with a monthly cap of the same amount. Users will also get a 1% cashback on other category spending with a monthly cap of INR 500.

EazyDiner IndusInd Bank Credit Card

Joining Fee: INR 1,999

The next dining credit card on the list is the EazyDiner IndusInd Bank Credit Card. It has an annual/renewal fee of INR 1,999 and a complimentary 12-month EazyDiner Prime Membership.

Its benefits include an extra 25% discount of up to INR 1,000 on dining out and takeaways at partner restaurants when paying on the EazyDiner app. Also, you get two complimentary movie tickets on BookMyShow worth INR 200 each and a 1% fuel surcharge waiver on transactions worth INR 400 to INR 4,000, among other amazing offers.

HDFC Diners Club Privilege Credit Card

Joining Fee: INR 2,500

This HDFC Bank’s credit card is the bank’s premium offering in the dining segment. The HDFC Diners Club Privilege Credit Card has an annual/renewal fee equal to its joining fee. It also offers welcome benefits like annual Swiggy One and Times Prime memberships, subject to spending INR 75,000 within the first 90 days of card activation.

Also, the credit card offers many benefits, like offering 20 reward points for every INR 150 spent on Swiggy and Zomato, up to 20% off on dining via Swiggy Dineout, and credit card holders get Buy 1 Get 1 up to INR 250 off on BookMyShow (max. two tickets/month). Further, for every INR 150 you spend on retail spending, you will earn four reward points, among other amazing benefits.

SBI Prime Credit Card

Joining Fee: INR 2,999

This dining credit card by the State Bank of India (SBI) falls in the premium segment. The SBI Prime Credit Card has an annual/renewal fee of INR 2,999. It also has a welcome benefit of up to eight complimentary domestic lounge visits annually.

This SBI dining credit card has many benefits, such as a Pizza Hut gift voucher, which is subject to spending INR 50,000 in a quarter, Trident Privilege Red Tier Membership, and Club Vistara Silver Membership. Further, the credit card holder gets e-gift vouchers worth INR 3,000 from top brands such as Hush Puppies, Pantaloon, Shoppers Stop, Yatra, and Aditya Birla Retail.

RBL Icon Credit Card

Joining Fee: INR 5,000

This RBL Bank offering is the most expensive dining credit card on the list and has several premium benefits. The RBL Icon Credit Card has an annual/renewal fee of INR 5,000 and offers 20,000 bonus reward points as a welcome benefit.

The dining credit card offers complimentary wine and desserts at participating premium restaurants. The user also earns two reward points for every INR 100 spent and 20 reward points for every INR 100 spent on international and weekend dining. People will also get a Buy 1 Get 1 ticket offer on BookMyShow twice every month and exclusive access to global iconic events like Formula 1 races, awards nights, etc.

(Hero and feature images: Courtesy Clay Banks/Unsplash)

Frequently Asked Questions

Which dining credit card is best?

Several credit card options are available in the Indian market. Almost every top bank, fintech brand, and financial institution offers credit cards tailored to customers’ needs. However, it can be challenging to pick the perfect dining credit card. However, if you do not want to spend much on a membership fee, you can choose a Swiggy HDFC Bank Credit Card, as you must pay as low as INR 500 annually.

Do restaurants accept credit cards in India?

Almost every restaurant in India accepts credit cards as a form of payment. However, not all restaurants and F&B outlets offer benefits and perks some select-few restaurants would offer.

What does dining mean on a credit card?

There are many types of credit cards available in India. These categories include entry-level credit cards, premium credit cards, travel credit cards, airline credit cards, fuel credit cards, entertainment credit cards, etc. One of the most popular categories is dining credit cards.

Dining credit cards are simply a type of credit card which offers many benefits to elevate your dining experience. These credit cards offer multiple benefits such as online discounts, cashback offers, rewards points, etc.

Disclaimer: The above-mentioned credit card options are for education purposes only and are not recommendatory in any manner. The author & publisher do not intend to influence readers anyway and instead suggest doing sufficient research before making any decision.



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