A dining credit card could be a suitable option for those who love to experience new cuisines, eat out, or order in frequently. Get such cards to enjoy perks like accelerated reward points, offers, and discounts on dining payments. 


Be it going out to a restaurant or getting food delivered to your location, choosing the best card for dining could help you save with every swipe. On Bajaj Markets, you can apply online for a dining card of your choice and enjoy perks like free membership to the Trident Privilege programme.

Best Dining Credit Cards in India

With eating out and ordering food at home becoming a go-to for many, there are several credit cards that offer cashback and other benefits on such transactions. To choose the right one for yourself, consider the offers, fee structure, partners, and more.

 

Here is a list of some of the best credit cards for dining out and taking care of other food-related expenses: 

Credit Card Name

Key Highlights

SBI Card PRIME

  • Earn 10 reward points for every ₹100 spent on dining

  • Receive a Pizza Hut e-Voucher worth ₹1,000 upon spending ₹50,000 within a calendar quarter

  • Gain entry to the American Express Dining Platform for exclusive dining offers and discounts of up to 25%

EazyDiner Credit Card by IndusInd Bank

  • Earn 10 reward points for each ₹100 spent on dining

  • Enjoy a complimentary 12-month EazyDiner Prime membership valued at ₹2,495

  • Get guaranteed discounts of up to 50% at more than 2,000 premium restaurants and bars

  • Access additional Prime-exclusive perks such as earning 3X EazyPoints, which are redeemable for meals and luxury hotel stays

  • Receive a welcome bonus of 2,000 EazyPoints

  • Get an additional discount of 25% (up to ₹1,000) on booking and payments via the EazyDiner App 

Axis Bank ACE Credit Card

  • Receive discounts of up to 15% at over 4,000 partner restaurants across India

  • Enjoy savings of up to 15% with restaurant bookings via EazyDiner

  • Get cashback of 4% on Swiggy and Zomato orders

Millennia Credit Card by HDFC Bank

  • Get cashback of 5% on Swiggy and Zomato orders

  • Enjoy discounts of up to 20% at partner restaurants through Swiggy Dineout

  • Explore a wide range of dining perks with the Good Food Trail programme

Kotak Feast Gold Credit Card

  • Earn 10 dining points for each ₹100 spent on dining

  • Enjoy dining points on transactions made at merchant establishments categorised under the ‘Restaurants and Entertainment’ Merchant Category Code as specified by VISA

HDFC Bank Diners Club Privilege Credit Card

  • Earn 5X reward points on purchases made through Swiggy and Zomato

  • Enjoy a complimentary annual membership of Swiggy One as a welcome benefit

  • Use your accumulated reward points for enhanced value on the Exclusive Privilege Dining Catalogue

Regalia Gold Credit Card by HDFC Bank

  • Enjoy savings of up to 7.5% on your restaurant bills at 20,000+ restaurants through Swiggy Dineout (applicable only for payments made via the Swiggy App)

  • Explore various dining benefits through the Good Food Trail programme

Swiggy HDFC Bank Credit Card

  • Enjoy cashback of up to 10% on orders on the Swiggy App

  • Get a free 3-month Swiggy One membership upon activation of the card

Disclaimer: The aforementioned offers are subject to change at the discretion of the issuer. Some of the credit card variants are not available on Bajaj Markets. Visit the issuer’s website to get more details.

Offers of Dining Credit Cards

Here are the other rewards and offers associated with the above-mentioned best credit cards for eating out:

  • SBI Card PRIME

  1. Get e-gift vouchers for top brands worth ₹3,000 as a welcome benefit

  2. Enjoy free Trident Privilege Red Tier Membership, which offers points on stays and dining at any Trident hotel

  3. Benefit from e-gift vouchers worth ₹7,000 from Pantaloons or Yatra.com on annual transactions of ₹5 Lakhs

  • EazyDiner Credit Card by IndusInd Bank

  1. Get 2 complimentary movie tickets every month on BookMyShow

  2. Receive a voucher worth ₹5,000 for a stay at The Postcard Hotel

  • Axis Bank ACE Credit Card

  1. Get a cashback of 5% on various types of bill payments

  2. Enjoy 4 free visits to airport lounges in a year at domestic airports

  3. Benefit from a fuel surcharge waiver of 1% at all fuel stations in the country

  • Millennia Credit Card by HDFC Bank

  1. Enjoy a cashback of 5% on purchases made on BookMyShow, Amazon, Tata CLiQ, Cult.fit, Flipkart, Sony LIV, Swiggy, Myntra, Zomato, and Uber

  2. Get a cashback of 1% on spends, except for fuel, including Wallet transactions and EMIs

  3. Receive gift vouchers worth ₹1,000 on transactions above ₹1 Lakh in a calendar quarter

  • Kotak Feast Gold Credit Card

  1. Redeem your reward points across various categories like shopping, mobile recharge and more across 10,000+ products

  2. Pay without cash using your credit card reward points

  • HDFC Bank Diners Club Privilege Credit Card

  1. Enjoy 'Buy 1 Get 1 Free' via BookMyShow on movie or non-movie weekend tickets

  2. Get vouchers worth ₹1,500 for Decathlon or Marriott, among others, on spending above ₹1.5 Lakhs a quarter

  3. Receive 2 complimentary visits to airport lounges worldwide every quarter

  4. Get 4 reward points for every purchase of ₹150

  • Regalia Gold Credit Card by HDFC Bank

  1. Get a free MMT Black and Club Vistara Silver Tier Elite membership as a welcome benefit

  2. Get vouchers worth ₹1,500 on spending of above ₹1.5 Lakhs every quarter

  3. Get flight vouchers worth ₹5,000 on spending ₹5 Lakhs every year and an extra voucher of ₹5,000 on spending ₹7.5 Lakhs annually 

  • Swiggy HDFC Bank Credit Card

  1. Get cashback of 5% on online purchases at selected Merchant Category Codes 

  2. Enjoy a cashback of 1% on purchases made across other categories

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Steps to Apply for a Dining Credit Card

Once you choose a dining credit card for yourself, you can apply for them online. Here are some simple steps you may have to follow: 

  1. Go to the website or app of the issuer offering the credit card

  2. Locate the credit cards section and click on the apply option

  3. Enter the requested information, such as your name, mobile number, monthly income, and address

  4. Choose the credit card you want and check the eligibility criteria

  5. If you meet all the parameters for the chosen card, proceed with the application by uploading the necessary documents

  6. Verify your mobile number using the OTP and submit the application

 

You can also apply for this type of credit card offline by visiting the nearest branch of the card issuer. However, the offline and online application may vary across issuers. Check these details before applying.

Eligibility and Document Requirements for Dining Credit Cards

Prior to applying for a dining credit card, check the eligibility criteria and documents required. 

 

Here are the general eligibility criteria you may have to fulfil:

  1. You must be at least 18 years old to apply

  2. You must have a stable income and employment

  3. You must have a good credit score, usually above 700

  4. You could apply if you are an Indian resident or a Non-resident Indian (NRI)

 

You may also have to submit documents such as:

  • Passport-size photographs

  • Filled out and signed application form 

  • Proof of Identity 

    1. Aadhaar card 

    2. PAN card 

    3. Ration card 

    4. Passport 

    5. Voter’s ID card 

    6. Driving license

  • Proof of Residence 

    1. Aadhaar card 

    2. Ration card 

    3. Rent agreement 

    4. Passport 

    5. Driving license 

    6. Voter’s ID card 

    7. Property documents 

    8. Utility bills (Electricity/Telephone Bills/Water, etc.)

  • Proof of Income and Employment 

    1. Salary Slips for the last 3 to 6 months

    2. Bank statements for the last 3 to 6 months 

    3. Income Tax Return (ITR)

 

The issuer may have other requirements pertaining to eligibility and documentation,  depending on the card you choose. Check these before applying for a hassle-free experience.

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Disclaimer

The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial investment advice or endorsement of any sort.

The information including interest rates with regard to fixed deposit, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any investment or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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Frequently Asked Questions

How do I know If my credit card is eligible for dining offers?

You can check this information in the documents you receive in your welcome kit. Or, visit the issuer’s official website to check the dining offers available on your card. Another way to get this information is by contacting the issuer’s customer care team.

Is there an expiry date on dining offers?

Yes. Dining offers by restaurants and food delivery platforms are generally valid for a limited time only. However, new offers are also frequently launched. Check the validity of the offer on the website or app.

How to choose the best credit cards for restaurants and dining expenses?

Choose the best card for dining by checking for dining discounts and cashback, reward points for dining transactions, and complimentary benefits. Check the annual fees, interest charges, and benefits across other spending categories, too.

How do I get dining offers on my credit card?

You can get a dining credit card for the best offers on partner restaurants and food delivery platforms. If you already have such a credit card, check the available offers on the official website, mobile app, or in your credit card welcome kit.

Are public holidays included in dining offers?

This varies depending on the issuer and the card. Sometimes, you are not allowed to claim dining offers on particular days, such as public holidays. This could be due to the policies of the credit card issuer, food delivery platform, or restaurant.

Can I get discounts even during happy hours?

When and how you can enjoy offers and discounts on your dining credit card depends on the card and partner restaurants or bars. Check this information under the terms and conditions of the specific offer.

What is the best card for dining?

The best credit cards for eating out or ordering in give you discounts or cashback on the bill and allow you to earn accelerated reward points. The ideal card for you depends on your personal preferences. Some popular dining cards include the EazyDiner Credit Card and SBI Card PRIME.

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