Best Dining Credit Cards in India 2024

January 22, 2024Shruti SharmaCredit Card

Best Dining Credit Cards in India 2024

Here is a list of the top dining credit cards in India offering co-branded and general benefits on dining spends.

1. EazyDiner IndusInd Bank Credit Card

Joining Fee: Rs. 1,999 | Annual Fee: Rs. 1,999

EazyDiner IndusInd Bank Credit Card is a co-branded credit card that offers complimentary EazyDiner membership and exclusive benefits on dining. This card compliments you with a good value-back by providing decent rewards and discount on dining spends. Besides dining, you can also avail benefits on other categories, like travel, entertainment and more. Below mentioned are some of the major features and benefits of this credit card:

Features & Benefits of EazyDiner IndusInd Bank Credit Card

Dining Benefits:

12 months EazyDiner Prime membership worth Rs. 2,495 with 2,000 EazyPoints as welcome bonus
10 reward points on every Rs. 100 spent on dining
3X EazyPoints on every card spend
Extra 25% off on dining/take-out on paying on EazyDiner app via PayEazy
Complimentary premium alcoholic beverages at over 200 restaurants

Other Benefits:

10 reward points on every Rs. 100 spent on shopping and entertainment
4 reward points on all other spends (except fuel)
Postcard Hotel stay voucher worth Rs. 5,000 on joining
2 complimentary domestic airport lounge visits per quarter
2 complimentary movie tickets worth Rs. 200 each every month on BookMyShow

2. Swiggy HDFC Bank Credit Card

Joining Fee: Rs. 500 | Annual Fee: Rs. 500

Swiggy HDFC Bank Credit Card is suitable for those who frequently dine out or use Swiggy app services, such as food delivery, Instamart, or Swiggy Genie. Cardholders can earn a flat 10% cashback across all Swiggy transactions, along with up to 5% cashback on other online transactions. The cashback is credited as statement credit directly into your account. Here are some of the best features and benefits of one of the best dining credit cards:

Features & Benefits of Swiggy HDFC Bank Credit Card

Dining Benefits:

Complimentary 3-months Swiggy One membership on card activation
10% cashback, with monthly capping of up to Rs. 1,500, on Swiggy app for transactions related to food ordering, Swiggy Instamart, Dineout and Genie

Other Benefits:

5% cashback on online spends across top merchant categories with monthly capping of up to Rs. 1,500
1% cashback on spends across other categories with monthly capping of up to Rs. 500
Complimentary zero lost card liability

3. HDFC Diners Club Privilege Credit Card

Joining Fee: Rs. 2,500 | Annual Fee: Rs. 2,500

HDFC Diners Club Privilege Credit Card is a premium credit card that offers decent benefits on travel and lifestyle categories. However, this credit card also offers dining benefits like complimentary Dineout Passport and higher rewards on dining spends. This credit card justifies the annual fee of Rs. 2,500 by providing premium benefits on multiple categories. To know more about this credit card, you can read the below-mentioned features and benefits:

Features & Benefits of HDFC Diners Club Privilege Credit Card

Dining Benefits:

Swiggy One & Times Prime annual memberships on making spends worth Rs. 75,000 within the first 90 days
20 reward points per Rs. 150 spent on Swiggy and Zomato

Other Benefits:

4 reward points on every Rs. 150 spent on the retail category
10X reward points on spends via SmartBuy
Buy 1 Get 1 Free offer with up to Rs. 250 off per ticket on BookMyShow weekend shows for max. 2 free tickets every month
Up to 8 complimentary airport lounge access worldwide every year, max. 2 per quarter on Rs. 15,000 quarterly spends
Voucher worth Rs. 1,500 of Marriott/ Decathlon/ O2 Spa/ Barbeque Nation/ Lakme Salon on reaching Rs. 1.5 lakh quarterly spends

4. SBI Prime Credit Card

Joining Fee: Rs. 2,999 | Annual Fee: Rs. 2,999

SBI Prime Credit Card is an all-rounder card that offers benefits across various categories, including dining, travel and shopping. When it comes to dining, this credit card offers higher reward points on dining expenses along with complimentary vouchers. This is a good option if you want to earn basic dining benefits as this credit card does not offer any exclusive or premium dining benefits. Some of the key features and benefits of this credit card are listed below:

Features & Benefits of SBI Prime Credit Card

Dining Benefits:

10 reward points for every Rs. 100 spent on dining
Pizza-hut gift voucher worth Rs. 1,000 on spending Rs. 50,000 in a calendar quarter

Other Benefits:

20 reward points for every Rs. 100 spent on your birthday
10 reward points for every Rs. 100 spent on groceries, departmental stores and movies
2 reward points for every Rs. 100 spent on all other retail purchases, except for fuel
Complimentary Club Vistara Silver membership
4 complimentary visits per calendar year to international Priority Pass lounges
8 complimentary lounge visits per calendar year to domestic lounges in India
Yatra/ Pantaloons gift voucher worth Rs. 7,000 on spending Rs. 5 lakh in a year
Annual fee waived off on making Rs. 3 lakh annual spends

5. SBI SimplyCLICK Credit Card

Joining Fee: Rs. 499 | Annual Fee: Rs. 499

SBI SimplyCLICK Credit Card is an entry-level credit card that offers higher rewards on spends made at Dominos, Swiggy which makes it a suitable card for dining and food-related spends. Besides dining, you can also save on other categories, like entertainment, travel, online shopping and much more. This is a good option if you are looking for a low annual fee credit card that offers basic benefits on your expenses. Here are some of the key features and benefits of this SBI Credit Card:

Features & Benefits of SBI SimplyCLICK Credit Card

Dining Benefits:

10X rewards on your spends at Dominos and Swiggy

Other Benefits:

10X rewards on online shopping with partners like BookMyShow, Cleartrip, Apollo24x7, Myntra, Yatra, and Netmeds
5X rewards on online shopping
1 reward point per Rs. 100 spent offline
Cleartrip/ Yatra e-vouchers worth Rs. 2,000 each on reaching annual spending milestones of Rs. 1 lakh and Rs. 2 lakh respectively
Amazon gift voucher worth Rs. 500 on payment of joining fee

6. RBL Icon Credit Card

Joining Fee: Rs. 5,000 | Annual Fee: Rs. 5,000

RBL Icon Credit Card rewards you with a good value back for your dining expenses on weekends. This is basically a lifestyle credit card but also offers satisfactory dining benefits. You can earn benefits like bonus rewards, free movie tickets, free golf games, complimentary lounge access and much more. This can be a decent option if you are ready to pay a higher annual fee of Rs. 5,000 and want to earn premium benefits. Below mentioned are some of the major features and benefits of this credit card:

Features & Benefits of RBL Icon Credit Card

Dining Benefits:

20 reward points for every Rs.100 spent on dining spends on weekends

Other Benefits:

2 reward points for every Rs. 100 spent
20 reward points for every Rs. 100 spent internationally
Complimentary golf rounds and discount on green fees and free golf lessons
One movie ticket worth Rs. 200 free on the purchase of one ticket through BookMyShow
2 complimentary domestic airport lounge access per quarter
Access to more than 1,200 international airport lounges under Priority Pass Membership

7. Axis My Zone Credit Card

Joining Fee: Rs. 500| Annual Fee: Rs. 500

Axis My Zone Credit Card is an entry-level credit card that offers benefits across multiple categories, such as dining, entertainment, and lifestyle. With this card, you can avail discount on popular brands like Swiggy, Ajio, and BookMyShow, along with a complimentary annual membership to SonyLiv. In addition to these categories, cardholders can also enjoy complimentary domestic airport lounge access every year. Here are some of the features of one of the best credit cards for dining:

Features & Benefits of Axis My Zone Credit Card

Dining Benefits:

Flat Rs. 120 off on food delivery at Swiggy, up to 2 times a month

Other Benefits:

Buy one get one movie ticket free on bookings via BookMyShow
Complimentary SonyLiv Premium annual subscription worth Rs. 999 on your first spend within the first 30 days of card issuance.
Up to Rs. 1,000 off at Ajio on a minimum transaction of Rs. 2,999
4 EDGE reward points on every Rs. 200 spent
1 complimentary access to select airport lounges within India per calendar quarter

8. Airtel Axis Bank Credit Card

Joining Fee: Rs. 500| Annual Fee: Rs. 500

Airtel Axis Credit Card is a co-branded card that offers accelerated value-back on card spends made via Airtel Thanks app. Certain preferred merchants which include food and dining related platforms, like Swiggy, Zomato and BigBasket, also let you earn incremental value-back of up to 10%. Moreover, dining discount of up to 15% via EazyDiner further adds to the total savings on food-related spends. The customers who wish to save on utility bills, recharges, and food can consider this card after going through its features given below:

Features & Benefits of Airtel Axis Bank Credit Card

Dining Benefits:

10% cashback, up to Rs. 500 per month, on Swiggy, Zomato and BigBasket
Up to 15% off at partner restaurants via EazyDiner

Other Benefits:

Amazon e-voucher of Rs. 500 on making the 1st transaction within 30 days of card issuance
25% cashback, up to Rs. 250 per month, on Airtel Mobile, WiFi, Broadband, and DTH bill payments via Airtel Thanks app
10% cashback, up to Rs. 250 per month, on utility bills paid via Airtel Thanks app
1% cashback on other spends
4 complimentary domestic airport lounge visits per year on spending Rs. 50,000 in the previous 3 months
Annual fee waived on spending more than Rs. 2 lakh in a year

9. HSBC Live+ Credit Card

Joining Fee: Rs. 999| Annual Fee: Rs. 999

HSBC Live+ Credit Card is a cashback credit card with accelerated cashback savings on food-related card spends, including dining, food-delivery and groceries. In addition to the cashback, HSBC credit cardholders also get access to Live+ Dining Programme with additional discount on dining bills at partner restaurants. So, the cardholders can earn value-back of up to 25% on dining making it worthy of its place among the top dining credit cards. Here are some of the major benefits you can avail via this card:

Features & Benefits of HSBC Live+ Credit Card

Dining Benefits:

10% cashback, up to Rs. 1,000 per month, on dining, grocery and food delivery spends
Up to 15% off on dining bills at partner restaurants via Live+ Dining Programme

Other Benefits:

Unlimited 1.5% cashback on other category spends
Up to 4 complimentary visits to domestic airport lounges in a year, 1 visit per calendar quarter
Annual fee waived on making more than Rs. 2 lakh annual spends

10. HDFC Bank Pixel Play Credit Card

Joining Fee: Rs. 500| Annual Fee: Rs. 500

Features & Benefits of HDFC Bank Pixel Play Credit Card

HDFC Pixel Play Credit Card offers cashback on your spends and comes with the flexibility to choose the categories and the corresponding brands on which you wish to earn accelerated cashback. If you are looking for a card with dining benefits, then you can opt for the Dining and Entertainment category to earn 5% cashback on Zomato as well as BookMyShow spends. This flexibility lets the users to customise thier savings as per their lifestyle. Given below are the detailed features and benefits that this card offers:

Dining Benefits:

Option to get 5% cashback on Zomato on choosing Dining and Entertainment category
Up to 20% off on dining via Swiggy Dineout on making payments using Swiggy app

Other Benefits:

Joining fee waived on spending minimum Rs. 20,000 within 90 days of card issuance
5% cashback on any 2 categories of choice among Dining & Entertainment (BookMyShow & Zomato), Travel (MakeMyTrip & Uber), Grocery (Blinkit & Reliance Smart Bazaar), Electronics (Croma & Reliance Digital), or Fashion (Nykaa & Myntra)
5% cashback on Smartbuy spends
3% cashback on any one merchant – Amazon, Flipkart or Payzapp
Unlimited 1% cashback on other spends
Annual fee waived on making Rs. 1 lakh card spends in a year

Suggested read: Best Cashback Credit Cards | Best Rewards Credit Cards

What to Look for in a Dining Credit Card?

When it comes to dining credit cards, you should look for the below-mentioned benefits to maximize your savings:

Higher Rewards/ Cashback

You should always choose a credit card that offers higher rewards or cashback on your dining expenses rather than having a card that offers similar rewards across multiple categories. For instance, HDFC Diners Club Privilege offers 4 reward points for every Rs. 150 spent. However, for dining expenses, it rewards you with 2X reward points. Hence, choose a card that offers highest benefits on the dining category.

Co-branded Benefits

If you are loyal to a specific brand, then having a credit card that offers exclusive benefits on that brand makes more sense. For example, if you frequently dine out and pay using EazyDiner app, then EazyDiner IndusInd Bank Credit Card can be the right option for you. It will help you save up to 25% on your dining expenses. However, co-branded cards are only suitable if you are loyal to the collaborated brand, otherwise, you can apply for a card that offers dining benefits across multiple brands.

Complimentary Privileges

Apart from basic benefits, dining credit cards also rewards you with complimentary privileges like exclusive services or complimentary vouchers. Not every dining credit card offers these benefits, but such kinds of benefits can help you maximize your overall experience. So, if your credit card offers complimentary dining benefits, you should utilize them and enhance your savings. For example, with RBL Icon Credit Card you can get complimentary wine or dessert. This is a great way to save on your dining expenses.

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Check the 25 best credit cards in 2024 across other categories from top card providers in India.

Shruti Sharma

https://www.linkedin.com/in/shruti-sharma-807656127/

Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.

Best Dining Credit Cards in India 2024

Compare Best Dining Credit Cards for December 2024

Best Dining Credit Cards in India 2024

1. EazyDiner IndusInd Bank Credit Card

2. Swiggy HDFC Bank Credit Card

3. HDFC Diners Club Privilege Credit Card

4. SBI Prime Credit Card

5. SBI SimplyCLICK Credit Card

6. RBL Icon Credit Card

7. Axis My Zone Credit Card

8. Airtel Axis Bank Credit Card

9. HSBC Live+ Credit Card

10. HDFC Bank Pixel Play Credit Card

What to Look for in a Dining Credit Card?

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