Top 10 Best Dining Credit Card in India

Best Dining Credit Card in India or you can Best Credit Card for Restaurants – If you are a real foodie who enjoys going on multiple culinary experiences, you should consider getting a credit card that supports your culinary enthusiasm. Dining credit cards may make eating out (or even ordering in) even more enjoyable, with upfront discounts and enticing cashback rewards.

So, before you go to the next restaurant on your bucket list, make sure you have some great credit cards (best dining credit cards) in your wallet. You can read our another article about best credit card for online food delivery by clicking here. Check our best dining cards list given below.

Best Dining Credit Card in India

A dining credit card is a type of credit card that offers rewards for spending on dining out. These cards typically offer higher rewards on dining purchases than on other types of purchases, such as groceries or gas. Some dining credit cards also offer other benefits, such as travel insurance or purchase protection.

There are many different dining credit cards available, so it’s important to compare your options before choosing one. Some factors to consider include the rewards offered, the annual fee, and any other benefits that are important to you.

Best Dining Credit Card
Card Details
Card NameHDFC Bank Regalia Credit Card
Bank NameHDFC BANK
Fee / Charges₹2500/-

The HDFC Bank Regalia credit card is an all-in-one lifestyle credit card designed for people who enjoy shopping, travelling, and dining out. Each restaurant visit will be made more enjoyable thanks to the Zomato Gold membership and the good food trail dining programme. After HDFC Diners Club Black Credit Card this is best credit card for dining.

  • 4 reward points for every ₹150 spent on various categories.
  • complimentary Zomato Gold membership for one year.
  • good food trail dining program offers
  • priority pass membership with domestic and international lounge access.
  • up to 20% discount on premium dining for all days of the week
  • up to 25% discount on dinner buffets
  • up to 30% discount on chef’s special restaurants
  • up to 40% discount on fine dining spends on weekends at partner restaurants
Card Details
Card NameSBI Card Prime
Bank NameSBI BANK
Fee / Charges₹2999/-

For the average Indian consumer, the SBI Card Prime is one of the most popular mid-segment credit cards. Aside from the dining benefits, the credit card has an appealing rewards programme and welcome benefits to meet all other needs.

Card Details
Card NameKotak Delight Platinum Credit Card
Bank NameKOTAK BANK
Fee / Charges₹1999/-
  • 10% cash back on dining, movies, and travel.
  • Cashback of ₹600 per month for dining spends less than ₹4,000
  • Kotak Delight Platinum credit card is yet another lifestyle credit card that can fulfil various travel, entertainment, and dining requirements. the cashback offered in the dining and entertainment segments is shared for every billing cycle. so there may be a slight trade-off in the benefits if both of these spends are critical to your needs.
Card Details
Card NameAmerican Express Platinum Travel Credit Card
Bank NameAmerican Express
Fee / Charges₹3500/-
  • On partner restaurants, you’ll get a 15% to 20% discount right away.
  • Members receive one membership point for every $50 spent on a complimentary priority pass.
  • The American Express Platinum Travel credit card is designed for frequent travellers, as its name suggests. However, as a complement to this service, it also excels at other travel-centric lifestyle needs, such as shopping and dining out.
Card Details
Card NameCiti CashBack Credit Card
Bank NameCiti Bank
Fee / Charges₹500/-
  • Spending at select partner restaurants from over 2000 dining partners will earn you a 15% discount.
  • On all other purchases, you’ll get a 0.5 percent cashback (including dining at non-partner restaurants).
  • Citibank’s Citi Cashback Credit Card does exactly what it says on the tin: it gives you cashback on a variety of purchases. For the next credit statement, the cashback is accumulated in multiples of $500.
Card Details
Card NameKotak Feast Gold Credit Card
Bank NameKOTAK BANK
Fee / Charges₹499/-
  • For every $100 spent on dining, you will receive 10 reward points.
  • One dining point is equal to one. (However, the offer is only available after you have spent $5,000 in a month).
  • In the following billing cycle, dining points are credited.
  • Naturally, a credit card with the word “feast” in its name would be ideal for days when you want to go out to eat. The Kotak feast gold credit card, on the other hand, provides much more than a high-end dining experience. The card has a low annual fee and offers rewards that movie buffs and frequent flyers can’t pass up.
Card Details
Card NameStandard Chartered Ultimate Credit Card
Bank NameStandard Chartered BANK
Fee / Charges₹4999/-
  • Dining discounts of up to 25% are available at the top 250 restaurants in India.
  • Cardholders receive complimentary table reservations and concierge services.
  • Over 100 international and domestic airport lounges are available to you at no cost.
  • For every purchase and transaction, the Standard Chartered Ultimate credit card provides a plethora of rewards and offers. In fact, among all credit cards, it has the highest reward point programme.
Card Details
Card NameAxis Bank My Zone Credit Card
Bank NameAXIX BANK
Fee / Charges₹500/-

Axisbank is one of the country’s oldest private banks. However, it was unable to capitalise on this advantage and make it work for them in the area of credit cards. One of the main reasons for this is that Axis Bank simply does not offer cards that are as good as or better than those offered by rival banks such as HDFC Bank or ICICI Bank, the country’s other two major private banks.

Axis Bank has recently been able to expand its credit card portfolio by introducing co-branded Vistara and Privilege cards. The Axis MyZone Credit Card, on the other hand, has been in their catalogue for quite some time.

HDFC Bank recently increased the annual fee to Rs.10,000 and added more benefits and privileges to the already popular Diners Black card. That may not work for everyone, and some cardholders may require better benefits than Diners Club Miles for a lower fee, which is how HDFC Diners Privilege came into being.

Club Miles is above Diners Privilege, and Diners Black is below it. It’s essentially a scaled-down version of Diners Black, with a quarter of the price. Check official website for hdfc credit card dining offers.

Card Details
Card NameHDFC Bank Diners Club Privilege Credit Card
Bank NameHDFC BANK
Fee / Charges₹2500/-
  • Zomato is offering a 30% discount on online food orders (maximum discount of INR 100 for every order).
  • Zomato Gold members get a 50% discount.
  • ICICI Bank’s Culinary Treats Program is available to you.
  • The Culinary Treats Program offers 20% off Sunday Brunches.
  • Swiggy is offering an extra 20% off (with a minimum order of INR 500/-).
  • The Rubyx credit card from ICICI Bank is the ultimate dining credit card. Aside from a wide range of dining discounts, offers, and reward programmes, the credit card also provides advantages to frequent travellers. When selecting this credit card, you have the option of selecting either an American Express or a MasterCard variant.
Card Details
Card NameICICI Bank Rubyx Credit Card
Bank NameICICI BANK
Fee / Charges₹2000/-

Best Credit Card for Restaurants

  1. HDFC Bank Regalia Credit Card
  2. SBI Card Prime
  3. Kotak Delight Platinum Credit Card
  4. American Express Platinum Travel Credit Card
  5. Citi CashBack Credit Card
  6. Kotak Feast Gold Credit Card
  7. Standard Chartered Ultimate Credit Card
  8. Axis Bank My Zone Credit Card
  9. HDFC Bank Diners Club Privilege Credit Card
  10. ICICI Bank Rubyx Credit Card

Our Recommendation – Best Credit Card in India

Best Dining Credit CardAnnual FeeBenefits
Axis My Zone Credit CardRs. 500Up to 20% off on Dining at Partner Restaurants
Citibank Cash Back Credit CardRs. 500Up to 15% off on dining across 2000 partnered restaurants
HDFC Diners Club Privilege Credit CardRs. 2,500Complimentary Zomato Pro Membership
HDFC Regalia Credit CardRs. 2,500Complimentary Dineout Membership, Good Food Trail Dining Program
ICICI Bank Rubyx Credit CardRs. 2,000Minimum 15% discount at participating restaurants
Kotak Delight Platinum Credit CardRs. 1,99910% Cashback on Dining
Kotak Feast Gold Credit CardRs. 49910 Reward Points on every Rs. 100 spent
SBI Card PrimeRs. 2,99910 RPs on every Rs. 100 spent on dining
SBI SimplyCLICK Credit CardRs. 49910X rewards on ordering food through Easydiner
Standard Chartered Ultimate Credit CardRs. 500025% discount on top 250 restaurants in India with advance table bookings through concierge services

Best Dining Credit Card FAQ

Which dining credit card is best in India?

The best dining credit card in India depends on your individual needs and spending habits. However, some of the most popular and well-rated dining credit cards in India include HDFC Bank Regalia Credit Card, SBI Card Prime, EazyDiner IndusInd Bank Credit Card, SBI SimplyCLICK Credit Card, ICICI Bank Rubyx Credit Card.

What constitutes dining with a credit card? Do grocery stores qualify as dining establishments?

Most credit cards have a dining category that includes businesses that sell food as their primary product. Fast food restaurants and take-out dinner services are examples of eat-in dining. Merchants within larger businesses, such as sports stadiums, hotels, and casinos, fall into this category as well. Shopping does not qualify as dining.

Which credit card is best for young adults who enjoy dining out?

For young adults, the HDFC Diners Club Black Credit Card is one of the best credit cards for dining out. On dining and restaurant expenses, you can earn up to 4% cash back. At grocery stores, you can also get 2% cash back. The card also includes entertainment, which is ideal for young adults who enjoy visiting theatres, zoos, and concerts, among other places.

Is it possible to pay with a credit card at a fast food restaurant? Is fast food considered to be a meal?

Restaurant credit cards are accepted at some fast food restaurants. Pizza Hut, McDonald’s, Burger King, Subway, and Taco Bell are just a few examples. And yes, many credit card companies consider fast food to be dining. Restaurant and fast-food rewards are common on the best dining credit cards, along with other dining perks and bonus rewards.

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Author
Vivek is a financial advisor who is also interested in technology and photography. He spends what little free time he has on his hobbies, and he makes the most of it. Credit/Debit Cards, Reward Points, Air Miles, and Travel Hacks are some of his favourite topics.

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