At TechnoFino we always try to provide knowledge about the best credit cards in India and this time we have curated a very detailed list of the Best Credit Cards for Dining Spends in India!
Best Credit Cards for Restaurant Dining
Standalone Restaurants
When it comes to standalone restaurants or even chain restaurants which are not listed as any of the dining apps available in India there are cards which can offer you some good value-back. So if you frequent only such places then consider having a card from the list below.
HSBC Cashback
photo credit: HSBC Cashback Credit Card
- Full Review
- Reward rate on Dining: 10% up to ₹1000
- Joining Fee: ₹999+GST
- Annual Fee: ₹999+GST (Waived off on ₹2L Spends in a Year)
- Apply For This Credit Card:
HDFC Diners Club Black/ Diners Club Black Metal Edition
photo credit: HDFC Diners Club Black
- Reward rate on Dining Spends: 6.6% on Weekends
- Joining Fee: ₹10,000+GST
- Annual Fee: ₹10,000+GST (Waived off on ₹8L Spends in a Year)
- Apply For This Credit Card:
AU Zenith
Photo Credit: AU Zenith
- Reward rate on Dining Spends: 5%
- Joining Fee: ₹7,999+GST or LTF for select corporates
- Annual Fee: ₹7,999+GST (Waived off on ₹8L Spends in a Year)
- Apply For This Credit Card:
EazyDiner
EazyDiner is a dine-out application created by a team that is extremely passionate about food, wine and all things fine. As a collective group of Chefs and Hoteliers who have worked in some of the best hotels and restaurants around the world, they are always on the lookout for new dining experiences and exciting cuisines. It is this love and passion for eating and exploring that brought them together to create EazyDiner.
IndusInd Bank HNI Credit Cards
Photo Credit: Induslnd Bank
The IndusInd Bank in conjunction with the EazyDiner offers instant discounts worth ₹3,000 on select luxury restaurants in India twice a year. This offer is valid only on a chosen few HNI cards of the bank.
IndusInd Pioneer Heritage Metal
Photo Credit: IndusInd Pioneer Heritage
- Joining Fee: ₹1,90,000+GST/90,000+GST
- Annual Fee: NIL/90,000+GST(Waived off on ₹10L Spends in a Year)
- Apply For This Credit Card:
IndusInd Indulge
Photo Credit: IndusInd Indulge
- Joining Fee: ₹2,00,000+GST
- Annual Fee: NIL
- Apply For This Credit Card:
IndusInd Club Vistara Explorer
Photo Credit: IndusInd Club Vistara Explorer
- Joining Fee: ₹40,000+GST
- Annual Fee: ₹10,000+GST
- Apply For This Credit Card:
IndusInd Celesta
Photo Credit: IndusInd Celesta
- Joining Fee: ₹50,000+GST
- Annual Fee: ₹5,000+GST(Waived off on ₹10L Spends in a Year)
- Apply For This Credit Card:
IndusInd Crest
Photo Credit: IndusInd Crest
- Joining Fee: ₹2,00,000+GST/₹1,00,000+GST
- Annual Fee: NIL/₹10,000+GST(Waived off on ₹20L Spends in a Year)
- Apply For This Credit Card:
Axis Bank HNI Credit Cards
EazyDiner has also partnered with Axis Bank to provide Dining Delights which entitles you to a premium dining experience on their HNI Cards, they provide you with a 40% instant discount up to ₹1,000. Other than this for your birthday you are eligible for a discount of 50% up to ₹3000 on dining out across specially curated restaurants using the above-mentioned Axis Bank credit cards.
Photo Credit: Axis Bank
Axis Burgundy Private (The OneCard)
Photo Credit: Axis Burgundy Private
- Joining Fee: NIL for Burgundy Private Clients (5Cr TRV)
- Annual Fee: NIL/₹50,000+GST
- Apply For This Credit Card:
Axis Reserve
Photo Credit: Axis Reserve Credit Card
- oining Fee: ₹50,000+GST
- Annual Fee: ₹50,000+GST(Waived off on ₹35L Spends in a Year)
- Apply For This Credit Card:
Axis Magnus/Magnus Burgundy
Photo Credit: Axis Magnus Credit Card
- Joining Fee: ₹12,500+GST/₹30,000+GST
- Annual Fee: ₹12,500+GST/₹30,000+GST(Waived off on ₹25L Spends in a Year)
- Apply For This Credit Card:
Axis Vistara Infinite
Axis Vistara Infinite Credit Card
- Joining Fee: ₹10,000+GST
- Annual Fee: ₹10,000+GST
- Apply For This Credit Card
Axis Miles & More World Select Credit Card
Photo Credit: Axis Miles And More Credit Card
Axis Bank has another offer for their other card holders which offers 25% off up to ₹800 on EazyDiner on paying via PayEazy.
Cobranded Credit Cards
EazyDiner also offers two cobranded credit cards with IndusInd Bank and I have extensively reviewed them before. Both the cards are highly recommended for frequent diners.
Photo Credit: Easy Diner
Indusind EazyDiner Signature
- Reward rate on Dining: 25% off up to ₹1000 + 2% Reward Rate
- Joining Fee: ₹1999+GST
- Annual Fee: ₹1999+GST
- Apply For This Credit Card:
Indusind EazyDiner Platinum
- Reward rate on Dining: 20% off up to ₹1000 + 0.4% Reward Rate
- Joining Fee:LTF
- Annual Fee:LTF
- Apply For This Credit Card:
Other than the above offers there are more than 10 banks which provide instant discounts if you pay via the PayEazy feature of EazyDiner. Since the partnerships are mostly dynamic hence I am not listing them all here but do check them out!
Photo Credit: Swiggy dineout
Swiggy Dineout is another dining-out platform and has been a longtime partner with HDFC Bank for providing discounts when booking a table and eating out. Here I am listing some top cards if you use the app regularly.
HDFC Infinia
- Reward rate on Dining: 15% off up to ₹1000 per month
- Joining Fee: ₹10,000 + GST
- Annual Fee: ₹10,000 + GST (Waived off on ₹10L Spends in a Year)
- Apply For This Credit Card:
HDFC Swiggy
This a newly launched co-branded card for Swiggy from HDFC Bank and is gaining popularity among card users.
Photo Credit: Swiggy HDFC Credit Card
- Reward rate on Dining: 10% Cashback up to ₹1500 per month
- Joining Fee: ₹500 + GST
- Annual Fee: ₹500 + GST(Waived off on ₹2L Spends in a Year)
- Apply For This Credit Card:
HDFC Diners Club Black/ Diners Club Black Metal Edition
- Reward rate on Dining: 10% off up to ₹500 per month
- Joining Fee: ₹10,000 + GST
- Annual Fee: ₹10,000 + GST (Waived off on ₹8L Spends in a Year)
- Apply For This Credit Card:
Zomato Dining
Photo Credit: Zomato Dining
Zomato Dining has no dedicated partnership when it comes to banking partners. You can either try to use any of the ongoing offers or pay using Zomato Vouchers bought using any of the multiplier portals.
Best Credit Cards for Online Food Delivery
For online food delivery, one can easily take advantage of certain cards which offer exceptional reward rates on online spending other than the cards which offer good reward rates on dining spending.
Chain Restaurant Apps
HSBC Cashback
- Reward rate on Food Delivery: 10% up to ₹1000
- Joining Fee: ₹999+GST
- Annual Fee: ₹999+GST (Waived off on ₹2L Spends in a Year)
- Apply For This Credit Card:
SBI Cashback
Photo Credit: SBI Cashback
- Reward rate on Online Food Delivery: 5% up to ₹5,000 per month
- Joining Fee: ₹999+GST
- Annual Fee: ₹999+GST (Waived off on ₹2L Spends in a Year)
- Apply For This Credit Card:
AU Zenith
- Reward rate on Dining: 4% reward rate
- Joining Fee: ₹7999+GST
- Annual Fee: ₹7999+GST(Waived off on ₹5L Spends in a Year)
- Apply For This Credit Card:
Yes Marquee
Photo Credit: Yes Bank Marquee Credit Card
- Reward rate on Online Food Delivery: 4.5% up to ₹1000
- Joining Fee: ₹9,999+GST
- Annual Fee: ₹4,999+GST (Waived off on ₹2L Spends in a Year)
- Apply For This Credit Card:
Zomato
Axis Neo
Photo Credit: Axis Neo Credit Card
Axis Airtel
- Reward rate on Dining: 10% cashback capped at Rs. 500 per statement.
- Joining Fee: ₹500+GST
- Annual Fee: ₹500+GST(Waived off on ₹2L Spends in a Year)
- Apply For This Credit Card:
Standard Chartered Digismart
Photo Credit: Standard Chartered DigiSmart
- Reward rate on Dining: 10% discount on Zomato orders with no minimum spend. (5 transactions per month with a maximum discount of ₹150 per transaction)
- Joining Fee: NIL
- Monthly Fee: ₹49+GST (Waived off on ₹5000 Spends in a month)
- Apply For This Credit Card:
IDFC First SWYP
Photo Credit: IDFC First Swap Credit Card
- Full Review
- Reward rate on Dining: 10% off up to ₹100 on orders above ₹299 twice a month
- Joining Fee: ₹499+GST
- Annual Fee: ₹499+GST
- Apply For This Credit Card:
Axis Ace
Photo Credit: Axis Ace Credit Card
- Reward rate on Dining: 4% cashback capped at Rs. 500 per statement.
- Joining Fee: ₹499+GST
- Annual Fee: ₹499+GST(Waived off on ₹2L Spends in a Year)
- Apply For This Credit Card:
Swiggy
Axis Select
Photo Credit: Axis Select Credit Card
- Reward rate on Dining: ₹200 off on a minimum order of ₹500 twice a month
- Joining Fee: ₹3,000+GST (LTF for Burgundy Customers)
- Annual Fee: ₹3,000+GST (LTF for Burgundy Customers or Waived off on ₹6L Spends in a Year)
- Apply For This Credit Card:
Axis Rewards
Photo Credit: Axis Bank Rewards Credit Card
- Reward rate on Dining: 30% off up to ₹150 on a minimum order of ₹500 twice a month
- Joining Fee: ₹1,000+GST
- Annual Fee: ₹1,000+GST (Waived off on ₹2L Spends in a Year)
- Apply For This Credit Card:
Axis My Zone
Photo Credit: Axis Bank MyZone Credit Card
- Reward rate on Dining: ₹120 off on a minimum order of ₹500 twice a month
- Joining Fee: ₹500+GST (Generally issued LTF)
- Annual Fee: ₹500+GST (Generally issued LTF)
- Apply For This Credit Card:
HDFC Swiggy
- Reward rate on Food Ordering: 10% cashback up to ₹1500 per month
- Joining Fee: ₹500+GST
- Annual Fee: ₹500+GST(Waived off on ₹2L Spends in a Year)
- Apply For This Credit Card:
Other than the above-listed cards you can also bet on Axis Airtel/HSBC Cashback for 10% cashback, HDFC Millennia for 5%, Axis Ace for 4%, and Axis Flipkart for 4% reward rate even for Zomato and Swiggy.
But if you are into Hotel Loyalty and Airmiles games then buying Swiggy and Zomato vouchers from HDFC SmartBuy, AMEX Reward Multiplier and Axis Gift Edge type platforms would give you much better returns especially if you hold cards like Amex Gold Charge, AMEX Platinum Charge, HDFC Infinia, HDFC Diners Club Black, Axis Reserve, Axis Magnus etc.
Which of these credit cards do you use regularly for your dining spends? Do let us know in the comments below.