May 16, 2025 · 11 mins read
Santosh Kumar
Credit cards are no longer a luxury but have become a necessity these days. The rewards offered by credit cards are a great way to have a luxurious lifestyle without spending much from your pocket. If you love dining out and visiting new restaurants, then a best credit card for dining can be a great option that you can consider. These credit cards offer a great range of perks and special rewards, which can elevate your dining experience while not hurting your wallet.
Use your dining credit card to pay your food bill, and save money on the discounts and deals offered by your bank. Most banks partner with restaurants, pubs, food chains and outlets to offer the following:
Discounts - Customers can avail anywhere between 5% to 40% off on their bill. Each restaurant has different terms and conditions for their offer. You might get a discount on your total bill, on the food bill, on food and soft beverages, or the discount can be availed of only on a minimum amount spent all by swiping your dining credit card at the partner restaurant.
Complimentary items - At certain restaurants, customers are entitled to complimentary drinks, appetisers or starters. Lounges may also offer complimentary cocktails. Cafes offer complimentary coffee for the dining credit cardholders.
Offers - Partner restaurants also offer buy one get one free deals where customers can get a second dish or drink for free.
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Listed below are various benefits offered by dining credit cards.
Discounts at select restaurants: Use the credit card at any one of the restaurants listed by the bank and avail 10% to 15% discount on your bill value. The discount offer is typically available at most of the restaurant brands, popular restaurants in your city and other local food points. All you need to know is to find the restaurant that offers the best discounts on your dining credit card and make the most of it.
Accelerated reward points: Dining credit cards also allow cardholders to earn 10 to 15 times more reward points than regular spends. Besides enjoying the food at a discounted price, you can also have the privilege of earning more reward points in fewer transactions.
Cashback offers: Another interesting feature of dining credit cards is the cashback offer. If your credit cards offer cash back, a percentage of the dining bill amount will be credited back to your account allowing you to enjoy your favourite food at lesser price.
Complimentary rewards: Some best credit card for dining also offer complimentary drinks, beverages and starters. Cardholders need to present the card to avail the complimentary benefits. Top Banks Offering Dining Offers on Credit Cards
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Joining fee: Rs. 1,999
Key features:
1: Enjoy complimentary EazyDiner Prime subscription worth ₹2,495 with free delivery and 2,000 EazyPoints as a bonus on sign up.
2: Get 10 EazyPoints for each ₹100 spent on dining out and earn 3x EazyPoints for all purchases made with your card.
3: Avail an additional 25% off on dine in or takeaway orders on PayEazy on EazyDiner app, and also get complimentary imported/ premium brand alcoholic beverages at select restaurants.
4: Get 10 points on every ₹100 spent on shopping and entertainment.
5: Receive 4 reward points on any other costs (with the exception of fuel).
6: Enjoy a ₹5,000 Postcard Hotel stay voucher for sign-up.
7: Enjoy 2 free visits to domestic airport lounges per quarter.
8: Get 2 movie tickets, each worth ₹200, on BMS for free every month.
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Joining fee: Rs. 500
Key features:
1: Get a free Swiggy One membership for 3 months on card activation.
2: 10% cashback up to ₹1,500 per month on food delivery through Swiggy, on ordering groceries through Swiggy Instamart, dining out and booking a Genie through Dineout.
3: 5% cashback on total spent on all select merchant categories: grocery, transport & bills, dining out and utility payments up to ₹1500/month.
4: Flat 1% cash back on all other purchases up to ₹500 per month.
5: Complimentary zero liability on lost cards.
Joining fee: ₹2,500
Key features:
1: Enjoy Swiggy One & Times Prime annual subscriptions when you spend a total of Rs. 75,000 in the first 90 days.
2: Get 20 reward points on every Rs. 150 spent on Swiggy and Zomato.
3: Avail 4 reward points on every Rs. 150 spent on the groceries, department stores, etc.
4: Get a 10x multiplier in SmartBuy and earn 10x reward points for all their spends.
5: Enjoy BOGO deal of maximum 2 free tickets per month with up to Rs. 250 instant discounts on movie/live shows on BookMyShow.
6: Get 8 complimentary international lounge access per calendar year with maximum 2 in a quarter on Rs. 15,000 quarterly spending.
7: Voucher worth Rs. 1,500 for Marriott/ Decathlon /O2 Spa/ Barbeque Nation /Lakme salon after spending Rs. 1.5 lakhs quarterly.
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Joining fee: Rs. 2,999
Key features:
1: Earn 10 reward points every time you dine worth ₹100.
2: Earn a ₹ 1000 Pizza Hut voucher after spending ₹ 50,000 within a single quarter.
3: Avail 10 reward points for every ₹100 spent on grocery, provisions, departmental stores and movies.
4: Get 2 reward points for every ₹100 spent on all other retail expenses except fuel expenses. Enjoy complimentary Club Vistara Silver membership.
5: Get 4 free international Priority Pass lounge visits per annum.
6: Avail 8 complimentary domestic lounge accesses in India within the calendar year.
7: Get a ₹7000 Yatra or Pantaloons gift voucher for every ₹5 lakhs spent within one year.
8: Annual fee waiver on reaching ₹3 lakh of annual spends.
Joining fee: Rs. 499
Key features:
1: Get 10x reward points on top brands including BookMyShow, Swiggy, Myntra, etc.
2: Earn 5x reward points on all other online purchases
3: Avail 10 points for every ₹100 spent on other categories
4: Get an Amazon India gift card worth Rs. 500 on the joining fee payment
5: Cleartrip/ Yatra e-voucher of Rs. 2,000 every time the total annual spends reach Rs. 1 lakh, and Rs. 2 lakhs respectively
6: 1% fuel charge waiver on fuel expenses between Rs. 500 to Rs. 3000
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Joining fee: Rs. 5,000
Key features:
1: 2 rewards for every Rs. 100 spent & 10X rewards on international & weekend dining.
2: 2 domestic lounge accesses per quarter & Priority Pass membership
3: 10,000 reward points on Rs. 3 lakhs annual spend
4: 15000 and 20000 reward points on ₹5 lakhs and ₹8 lakhs annual spends respectively
5: Free golf rounds/lessons & green fee discounts with 24/7 concierge service
Joining fee: Rs. 500
Key features:
1: Enjoy flat Rs. 120 Off on Swiggy on a minimum order of Rs. 500 twice a month
2: Get a free movie ticket on Paytm Movies; up to Rs. 200 discount per month
3: Avail a flat discount of up to Rs. 1000 while using the Ajio app on a minimum order of Rs. 2999
4: Complimentary SonyLiv Premium annual subscription on spending Rs. 1.5 Lakh in a year
5: Enjoy 15% off (maximum discount Rs 500) on dining through EazyDiner, twice a month, on a minimum bill amount of Rs 2500
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Joining fee: Rs. 500
Key features:
1: Airtel, Thanks, 10% cash back on utility bill payments
2: Up to 10% Instant Cashback on all spends on Zomato, Swiggy and Big Bazaar
3: Unlimited 1% cash back for all other purchases
4: 4 complimentary domestic airport lounge access annually
5: Get a flat 25% cash back on payment of Airtel Mobile, DTH, etc. on the Airtel Thanks App
Joining fee: Rs. 999
Key features:
1: 4 complimentary domestic airport lounge access per year
2: Enjoy Rs. 1000 cash back on the spends of Rs. 20000 within 30 days from the date of card activation
3: Avail Live+ Dining Programme membership and enjoy up to 15% off at partner restaurants
4: Annual fee waiver after spending more than Rs. 200000 per year
5: 10% cash back (max. Rs. 1000/month) on Dining, grocery and food delivery
6: Unlimited 1.5% cash back on transactions
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Joining fee: Rs. 500
Key features:
1: Get 5% cash back on dining & entertainment, travel, grocery, electronics & fashion (you can choose any two)
2: 1% cash back on all transactions
3: Get up to 20% off on dining through Swiggy Dineout
4: Enjoy a joining fee waiver on spending Rs. 20,000 in the first 90 days.
5: Avail an annual fee waiver on spending more than Rs. 1 lakh annually
6: 3% cash back on any 1: Amazon, Flipkart or Payzapp
Once you have decided about the type of Best credit card for restaurant you wish to avail, you can apply for the same using online channels. There are many online venues which allow you to apply for credit cards. However, applying through an authoritative channel is the key to approaching the bank in the right way.
Two authorised ways to apply for credit cards online include applying through the bank's official website and another is to apply through third-party online websites. Let's look at both processes in detail.
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If your credit card issuer is allowing an online application, you can visit the bank website, fill out the required online form and submit the same to avail the credit card. Follow the steps mentioned below to know the detailed procedure to apply for a dining credit card online.
1: Visit the official website of the credit card issuer
2: Go to the dining credit card page
3: Find the 'Apply' button and click on it to visit the online application page
4: Fill all the fields with accurate information and click on 'Submit'
As soon as you submit the application form, a reference number will be generated. Make a note of it and use it for future queries, if any.
Once the bank receives your application, it will review the same and if your profile seems suitable for the applied credit card, you are likely to receive a call in 3-4 working days. After verifying your details, you will be informed about the next step in the application process. More likely you will be told about the required documents to process the application and an appointment will be scheduled to collect the same.
Upon receiving the documents, your card will be processed in 7-10 business days, provided that you clear the bank's verification process. To check how far your application has been processed, you can use the application ID to track your credit card application status online.
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This information is available online on your bank's website. You should also be able to find this information in the credit card leaflet handed to you when you received your credit card. You can also call the customer care service of your bank to find out if your credit card is entitled to dining privileges.
Yes, the offers at restaurants all have their own expiry date. You will need to check your bank's website, or the website dedicated to the dining programme to find out the validity of the offer. Dining programmes may also have an expiry date as a whole programme.
To avail the offer, you need to inform the merchant partner or the waiter that you would like to get the discount or complimentary offer. To be eligible for the offer, you must pay the bill with your credit card.
Almost all banks and merchant partners allow dining offers to run on public holidays. The offers will not be valid, however, on blackout dates that include dates such as 14 February (Valentine's Day) and 31 December (New Year's Eve).
No, discounts under dining programmes are not valid during Happy Hours. Dining offers are also not available on buffets.
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