A dining credit card is especially curated for those who love to dine outside often. Dining credit cards offer discounts, cashback, complimentary memberships, etc. making dining out more attractive and rewarding. Let us now look at some of the best credit cards for dining in India for 2024.
Top Credit Cards for Dining in India 2024
|
Credit card |
Joining fee |
Annual/Renewal fee |
|---|---|---|
|
EazyDiner IndusInd Bank Credit Card |
Rs. 1999 |
Rs. 1999 |
|
Swiggy HDFC Bank Credit Card |
Rs. 500 |
Rs. 500 |
|
HDFC Diners Club Privilege Credit Card |
Rs. 2500 |
Rs. 2500 |
|
Rs. 500 |
Rs. 500 |
|
|
HDFC Infinia Metal Edition Credit Card |
Rs. 12500 |
Rs. 12500 |
|
Rs. 2999 |
Rs. 2999 |
|
|
Rs. 499 |
Rs. 499 |
|
|
Rs. 500 |
Rs. 500 |
|
|
Rs. 500 |
Rs. 500 |
|
|
HDFC Bank Titanium Times Credit Card |
Rs. 500 |
Rs. 500 |
Features and Benefits of a Dining Credit Card
A dining credit card has the following features and benefits:
- Special meal offers: Many dining cards have established partnerships with restaurants and provide exclusive meal offers. This enables cardholders to enjoy unique dishes which are rare.
- Exclusive discounts on dining: Dining credit cards offer exclusive discounts on dining, and this can reduce your spends on dining at partner restaurants. These discounts could waive off your entire bill, a percentage of your bill, or prices on special dishes.
- Priority reservations: Many dining restaurants require a long wait, especially during the weekends. Some dining credit cards offer priority reservations in restaurants and hence customers can avoid long waiting times.
- Wholesome benefits on food: Some dining credit cards offer benefits not only on dining but also on other food related categories like exclusive food festivals, discounts on cookware brands, subscriptions to gourmet magazines, etc. You could make maximum use of these perks.
- Gourmet Experiences: Dining credit cards offer privileged access to premium restaurants, taking dining from an ordinary meal to an awesome experience. It also gives access to many culinary events like wine tastings, gourmet tours, etc.
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Dine-In and Delivery Perks: Some dining credit cards will give you benefits for both dining and ordering out.
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Loyalty points: The loyalty points credited when you use your dining credit card can later be redeemed against various categories like dinners, gourmet tours, kitchen gadgets, etc.
- Benefits from partnered establishments: Many dining credit cards have tie ups with specific chains or brands. Visiting these partnered hotel chains will mean access to complimentary drinks, appetizers, and special dishes just for the diner.
- Seasonal offers: Seasonal offers and festive discounts are available to cardholders before they reveal themselves to the general public. These offers thus add a flavor of excitement to your dining experiences.
How to Choose the Best Credit Cards for Dining in India?
Here are some tips to choose the best credit card for dining in India.
- Evaluate your dining habits: Analyze how frequently you dine outside and the types of restaurants you go to - Premium, medium etc. Also, analyze how often you take out guests for dining at these outlets. Based on this, you can determine which card to get in order to obtain the maximum benefits.
- Understand the reward structure: Understand if the card gives a good amount of reward points for dining, against what the accumulated points can be redeemed, and also the conversion rate.
- Analyze the fees: Go in for a card that you can afford. Also, see if the benefits offered by the card outweigh the fees of the card. Further, check for welcome benefits and fee waivers offered by this card.
- Check the partnerships: Some cards have exclusive partnerships with some specific hotel chains or brands. If you are going to these places often, then you should choose a card that has these tie ups to reap maximum benefits. However, if you like to go to different restaurants, then you can go in for a card that offers rewards across various restaurants.
- Additional benefits: Some cards offer benefits on food in addition to dining like online food ordering, alcohol purchases, gourmet grocery shopping, and culinary events, promotions, etc.
- Interest rates: Cards that charge high interest rates may not be ideal especially if you do not pay your credit card bills completely every month. Although the card may offer great benefits and rewards, a high interest rate will nullify those perks.
- Flexibility and Expiry: Ensure that the accrued reward points can be redeemed flexibly and also check the expiry dates of the reward points. If reward points expire within a short frame of time or if there is rigidity in redemption of reward points, then it will reduce the value of the card.
- Security and Customer Service: It is ideal to choose a dining credit card from an issuer known for strong security measures and responsive customer service. This will especially help when you are dealing with frauds or disputes.
- Read User Reviews: Read reviews written by other cardholders before finalizing. This will give you insights about the card like benefits, hidden fees, terms and conditions, and the user experience.
Best Credit Cards for Dining 2024 - Key Features
EazyDiner IndusInd Bank Credit Card
This card is especially great for dining and elevates the experience by offering complimentary EazyDiner membership. It offers rewards and discounts on dining. Further, it also gives access to premium alcoholic beverages across 200 restaurants. With so many benefits, this card can easily be considered as one of the best credit cards for dining in India.
Key Features:
- Get a complimentary 12 month EazyDiner Prime membership worth Rs. 2,495.
- Enjoy 2,000 EazyPoints as a welcome bonus.
- Earn 10 reward points per Rs. 100 spent on dining.
- Accrue 3X EazyPoints on every card spend.
- Get an extra 25% off on dining or take away, on making the payment through PayEazy on the EazyDiner app.
- Enjoy access to complimentary premium alcoholic beverages at more than 200 restaurants.
- Get 10 reward points per Rs. 100 spent on shopping and entertainment.
- Get 4 reward points on all other spends (Excluding fuel).
- Enjoy access to a postcard hotel stay voucher worth Rs. 5000 on joining.
- Enjoy 2 complimentary domestic airport lounge visits per quarter.
- Get access to 2 complimentary movie tickets worth Rs. 200 every month on BookMyShow.
Swiggy HDFC Bank Credit Card
This card offers a world of cashback on Swiggy Dineout and other Swiggy applications. You can also enjoy a complimentary 3 month membership with Swiggy. Further, the card offers cashback on online spends with top merchants and across all other categories. Thus, it is one of the best credit cards for dining in India and also a great credit card for cashback.
Key Features:
- Get a 10% cashback on Swiggy applications like Instamart, food ordering, Dineout, and Genie.
- Enjoy a cashback of 5%, up to Rs. 1500, on online spends across top merchant categories.
- Get a cashback of 1%, up to Rs. 500, across other categories.
- Enjoy a complimentary Swiggy One membership for 3 months on activating the card.
HDFC Diners Club Privilege Credit Card
This card is a great pick for those looking for benefits across lifestyle categories like dining, shopping, movies, etc. Benefits include Marriott and Decathlon vouchers on reaching quarterly spends, complimentary membership on Swiggy, and high rewards on online food ordering and delivery apps like Swiggy and Zomato. Thus, enhance your dining experience with this card, which is one of the best credit cards for dining in India.
Key Features:
- Enjoy complimentary memberships on Swiggy One and Times Prime on reaching milestone spends of Rs. 75,000 within the first 90 days of activating the card.
- Earn 5x reward points (i.e.) 20 reward points per Rs. 150 spent on Swiggy and Zomato.
- Get Marriott and Decathlon vouchers worth Rs. 1500 on reaching quarterly spends of Rs. 1.5 lakhs.
- Enjoy 2 complimentary airport lounge access per quarter across airports worldwide.
- 'Buy 1 Get 1 Free' offer on movie/non-movie tickets on the weekend through BookMyShow (Up to a maximum of 2 free tickets every month)
- Get 4 reward points per Rs. 150 spent.
HDFC MoneyBack Credit Card
This card offers delightful discounts on partner restaurants through the Good food trail program. It also offers high value back on Swiggy. Other benefits include welcome bonus cashpoints, gift voucher on reaching milestone spends, and a lot more. Enjoy your dining experience with this wonderful credit card which is one of the best credit cards for dining in India.
Key Features:
- Enjoy awesome dining benefits with the Good food trail program.
- Get a discount of up to 20% on bill payments made via Swiggy Dineout across 20K plus partner restaurants.
- Get a welcome bonus of 500 cashpoints on paying the membership fee.
- Enjoy a gift voucher worth Rs. 500 on reaching spends of Rs. 50,000 and above (You can earn gift vouchers worth up to Rs. 2000 in a year).
- Get a value back of 3.3% or 10x cashpoints on Amazon, Flipkart, BigBasket, Reliance Smart SuperStore, and Swiggy.
- Enjoy 2 cashpoints per Rs. 150 spent on other categories (Except fuel, EMI, wallet loads, prepaid card loads, and voucher purchases).
- Get a gift voucher of Rs. 500 on reaching milestone spends of Rs. 50,000 per quarter.
HDFC Infinia Metal Edition Credit Card
This card gives benefits to high income individuals across a variety of categories like travel, rewards, shopping, dining, etc. It provides dining discounts and a complimentary Club Marriott membership for users. This card thus elevates your dining experience to a high level and is one of the best credit cards for dining in India. Not only this, with other benefits in its kitty, this card is one of the best credit cards in India.
Key Features:
- Get a complimentary Club Marriott membership for the first year as a welcome perk. Enjoy a discount of up to 20% for dining and staying across the Asia - Pacific region.
- Enjoy 1+1 complimentary buffet at participating ITC hotels.
- For a 3 night stay, you have to pay only for 2 participating ITC hotels.
- Enjoy a flat extra discount of 15% on dining bills on dining at 35K plus partner restaurants.
- Get a welcome bonus of 12,500 reward points upon paying the joining fee and activating the card.
- Enjoy a renewal fee waiver on spending 10 lakhs or more in the previous 12 months.
SBI Card Prime
This card is an awesome pick for those who want an all round experience. It offers benefits across categories like travel, dining, rewards, etc. On dining, this card offers complimentary vouchers and high reward points thus taking your dining experience to a different level. On the whole, it is one of the best credit cards for dining in India.
Key Features:
- Accrue 10 reward points per Rs. 100 spent on dining
- Get a pizza hut gift voucher worth Rs. 1,000 on reaching milestone spends of Rs. 50,000 in a quarter.
- Get 20 reward points per Rs. 100 spent on your birthday
- Accrue 10 reward points per Rs. 100 spent on groceries, departmental stores, and movies.
- Get 2 reward points on spends of Rs. 100 for all other retail purchases, except fuel.
- Enjoy a complimentary Club Vistara Silver membership.
- Enjoy 4 complimentary international priority pass lounge visits per year.
- Get 8 complimentary lounge visits per year to domestic lounges in India.
- On reaching milestone spends of Rs. 5 lakhs in a year, get a Yatra or Pantaloons gift voucher worth Rs. 7,000.
- Enjoy an annual fee waiver on reaching annual spends of Rs. 3 lakhs.
SBI SimplyClick Credit Card
Get unlimited privileges with this credit card in your wallet. On dining, enjoy high reward points on online spends made on popular food ordering and delivery apps. Other benefits include gift vouchers, annual fee waivers, etc. Thus, this card with its multiple benefits is not only one of the best credit cards for dining in India but also one of the best credit cards in the country.
Key Features:
- Earn 10x reward points on online spends made on Swiggy and Dominos
- Accumulate 10x reward points on online spends made on e-commerce partner websites: Netmeds, Apollo, Myntra, Yatra, BookMyShow, and ClearTrip.
- Earn 5x reward points on all other online spends.
- Get e-vouchers worth Rs. 2000 on reaching annual online spends of Rs. 1 lakh and 2 lakhs respectively.
- Enjoy an annual fee waiver on achieving milestone spends of Rs. 1,00,000.
Axis MyZone Credit Card
The Axis MyZone credit card is a versatile one offering benefits across various categories like dining, entertainment, and shopping. Enjoy discounts on food delivery at Swiggy and dining at partner restaurants. Due to its multiple benefits for dining, it is one of the best credit cards for dining in India. This card also offers privileges like discounts on movie ticket bookings, purchases on Ajio, annual subscriptions etc. Overall, a great card to have in your purse.
Key Features:
- Get a discount of Rs. 120 on food delivery at Swiggy per order on minimum spends of Rs. 500. You can use the discount up to 2 times per month.
- Get a 15% discount on your bills, up to Rs. 500, on dining at partner restaurants in India (For a minimum of Rs. 2500).
- Get a 100% discount on booking the second movie ticket at Paytm movies.
- Receive a complimentary Sony Liv Premium annual subscription worth Rs. 1499.
- Save up to Rs. 1000 at Ajio on making purchases of Rs. 2,999.
Airtel Axis Bank Credit Card
Make great savings with this credit card on dining. Dining perks include cashback on popular food ordering and delivery apps and discounts on dining at restaurants via EazyDiner. So, what are you waiting for? Buy this card, which is one of the best credit cards for dining in India, and delight in dining and food. This card also offers multiple other benefits and provides a wholesome experience to the user.
Key Features:
- Get a 10% cashback, up to Rs. 500, per month on Swiggy, Zomato, and BigBasket
- Enjoy a discount of up to 15% off at partner restaurants via EazyDiner.
- Get an Amazon e-voucher worth Rs. 500 on doing the 1st transaction within 30 days of card activation.
- Receive 4 complimentary domestic airport lounge access annually on spends of Rs. 50,000 in the previous 3 months.
- Get a cashback of 25%, up to Rs. 250 per month, on WiFi, Broadband, Airtel Mobile, and DTH bill payments via Airtel Thanks App.
- Get a cashback of 10%, up to Rs. 250 per month on utility bills paid via the Airtel Thanks app
- Enjoy a cashback of 1% on other expenses.
- Enjoy an annual fee waiver on reaching milestone spends of Rs. 2 lakhs or more.
HDFC Bank Titanium Times Credit Card
With a variety of offers on dining and movies, this card is really worth having. Take your lifestyle to a different level altogether with this credit card. This card also offers several other benefits and perks.
Key Features:
- Get a bonus discount of Rs. 1500, up to a maximum of 10% of your bill on using this card via PayEazy on Eazydiner.
- Receive a complimentary annual Times Prime membership.
- Enjoy 25% off on movie tickets booked via BookMyShow
Terms and Conditions:
- You can avail this offer 4 times per month (4 discounted tickets).
- Get a maximum discount of Rs. 350 per transaction.
- Enjoy a discount of Rs. 50 on food and beverages. This can be availed only once by the card user.
- Get up to 20% off on online and offline shopping, wellness, and hotel stay transactions.
- Accumulate 2 reward points per Rs. 150 on retail spends.
- Get a 6 months complimentary membership.
FREQUENTLY ASKED QUESTIONS
1. Which is the best food card in India?
The best food card varies based on the needs of individuals. However, some of the top food cards in India are Zaggle SAVE, Pluxee (Sodexo BRS) Meal Pass, EazyDiner IndusInd Bank Credit Card, ICICI Bank Meal Card, HDFC FoodPlus Meal Card, and Happay prepaid cards.
2. Is there a limit on the discounts that I can obtain with my dining credit card?
Yes, there is an upper cap on the maximum discount or cashback obtained using a dining card in a billing cycle. So, before purchasing the card, read and understand the terms and conditions or the details of the offer.
3. Is an annual fee charged on all dining credit cards?
No, all dining credit cards do not charge an annual fee. There are lifetime free credit cards as well. Many credit cards also offer a waiver on annual fee on reaching milestone spends. Amongst credit cards that charge an annual fee, some of them offering premium benefits will have a higher fee.
4. Do dining offers have expiry dates?
Yes, all dining offers have expiry dates. You will have to check the website of the bank or the portal of the dining program to find out. Then,the dining program by itself may have an expiry date.
5. Which are some of the HDFC credit cards that have dineout?
There are several HDFC credit cards that have dine out options. They are HDFC Bank Regalia Gold Credit Card, HDFC Bank Regalia Credit Card, HDFC Bank Infinia Credit Card, and HDFC Bank Millennia Credit Card.
