Dining out has evolved from being a luxury to a lifestyle. With the rise in food delivery apps, gourmet restaurants, and café culture, Indians are spending more on food than ever before. What if you could earn cashback, discounts, and rewards every time you dine out or order in? That’s where dining credit cards come into play.
In this comprehensive guide, we explore the best credit cards for dining offers in India (2025). Whether you’re a foodie, a frequent Swiggy/Zomato user, or a fine-dining enthusiast, there’s a card that suits your appetite.
📌 Why Choose a Dining Credit Card?
Dining credit cards offer:
- Flat discounts at partner restaurants
- Extra cashback on food delivery platforms
- Reward points on dining spends
- Complimentary memberships (Zomato Gold, EazyDiner Prime, etc.)
Benefit Snapshot:
| Feature | Benefit Example |
|---|---|
| Dining Discounts | Up to 40% off on partner restaurants |
| Cashback on Food Apps | 5–10% cashback on Swiggy/Zomato spends |
| Reward Multipliers | 2X to 10X reward points on dining |
| Concierge Services | Restaurant reservations, curated deals |
| Free Memberships | Zomato Gold, EazyDiner Prime, etc. |
🏆 Top 10 Credit Cards for Dining in India (2025)
| Credit Card | Dining Benefit Rating | Key Feature |
|---|---|---|
| HDFC Bank Diners Club Black | ⭐⭐⭐⭐⭐ | 2X points + 15% off on Dineout restaurants |
| SBI Card Elite | ⭐⭐⭐⭐☆ | Complimentary Trident dining & hotel vouchers |
| ICICI Sapphiro Credit Card | ⭐⭐⭐⭐☆ | Culinary Treats with up to 15% savings |
| Axis Bank Vistara Infinite Credit Card | ⭐⭐⭐⭐☆ | 20% off via EazyDiner |
| American Express Platinum Travel Card | ⭐⭐⭐⭐☆ | Discounts on premium dining + concierge |
| Kotak Delight Platinum Credit Card | ⭐⭐⭐⭐ | 10% cashback on dining spends (weekends) |
| RBL Bank Platinum Maxima | ⭐⭐⭐⭐ | Accelerated points on dining |
| IDFC FIRST Wealth Credit Card | ⭐⭐⭐⭐ | Flat 20% off at over 1,500 restaurants |
| AU Bank Zenith Credit Card | ⭐⭐⭐⭐ | Dining offers via Swiggy & EazyDiner |
| IndusInd Iconia Credit Card | ⭐⭐⭐⭐ | Reward points + restaurant deals |
🥇 1. HDFC Diners Club Black Credit Card
🔹 Best For: High spenders, gourmet diners
Key Benefits:
- 2X reward points on dining
- Complimentary Dineout Passport membership
- Access to premium restaurants & lounges
- 10,000 bonus points quarterly on reaching spend milestones
Annual Fee: ₹10,000 + GST
Reward Rate: 3.3% (approx.)
🍽️ 2. SBI Card Elite
🔹 Best For: Travel & Dining Combo Lovers
Dining Highlights:
- Trident Privilege Red Tier membership
- Vouchers worth ₹5,000 annually
- Domestic & international lounge access
Annual Fee: ₹4,999 + GST
Extra Perks: 5X rewards on dining, grocery, and departmental store spends.
🍕 3. ICICI Sapphiro Credit Card
🔹 Best For: Daily Dining & Lifestyle
Key Features:
- Culinary Treats program – up to 15% off
- Dual reward system (Domestic & International)
- Airport lounge access
Annual Fee: ₹3,500 + GST
Dining Network: Over 2,500+ restaurants via Culinary Treats
🥂 4. Axis Bank Vistara Infinite Credit Card
🔹 Best For: EazyDiner Lovers
Dining Offers:
- Up to 20% off on premium restaurants via EazyDiner Prime
- Complimentary Vistara Business Class ticket annually
Annual Fee: ₹10,000 + GST
Perfect for: Frequent flyers who enjoy fine dining.
🍷 5. American Express Platinum Travel Card
🔹 Best For: Premium Dining & Travel
Benefits:
- Up to 25% off on premium dining places
- Access to curated food events
- Travel vouchers worth ₹10,000 on milestones
Annual Fee: ₹3,500 (1st Year) / ₹5,000 (Renewal)
Reward Value: High on travel & lifestyle spends
🍜 6. Kotak Delight Platinum Credit Card
🔹 Best For: Dining on Weekends
Highlights:
- 10% cashback on dining (weekends only)
- ₹600/month max cashback cap
- Movie cashback also included
Annual Fee: ₹299 (waived on ₹12,000 monthly spend)
🍲 7. RBL Platinum Maxima Card
🔹 Best For: Reward Hunters
Dining Benefits:
- Accelerated 2X reward points on dining
- Milestone benefits worth ₹1,000+ annually
Annual Fee: ₹2,000
Best For: Young professionals who dine often.
🍽️ 8. IDFC FIRST Wealth Credit Card
🔹 Best For: Zero Fee + High Dining Value
Why It’s Great:
- No annual fee for life
- Flat 20% discount at 1,500+ premium restaurants
- Lounge access & concierge support
USP: Zero-fee with luxury benefits!
🍛 9. AU Bank Zenith Credit Card
🔹 Best For: Food Delivery Users
Perks:
- Swiggy One membership deals
- Dining offers via Dineout & EazyDiner
- Accelerated cashback on food spends
Annual Fee: ₹7,999
Reward System: Cashback-based
🥘 10. IndusInd Iconia Credit Card
🔹 Best For: Consistent Spenders
Dining Rewards:
- Dining & entertainment reward multiplier
- Points redeemable across travel, shopping, dining
Annual Fee: ₹3,500
Bonus Points: On weekend spends
🧾 How to Choose the Right Dining Credit Card?
| Factor | Consideration |
|---|---|
| Spending Pattern | Do you dine out or order food more often? |
| Partner Platforms | Are you using Swiggy, Zomato, EazyDiner, etc.? |
| Reward System | Cashback vs reward points |
| Annual Fees | Will your usage justify the fee? |
| Dining Frequency | Weekends only or all-week dining? |
| Membership Perks | Zomato Gold, Swiggy One, Dineout Passport |
✅ Tips to Maximize Dining Credit Card Benefits
- Stack Offers: Use card discount + restaurant deal + food app coupon for triple benefit.
- Use on Weekends: Some cards offer higher rewards on weekends.
- Redeem Wisely: Choose cards with flexible reward redemption (vouchers, cashback, etc.)
- Pair with Memberships: Cards with Dineout/EazyDiner/Zomato Gold offer better perks.
- Track Spend: Some cards give bonuses after hitting quarterly/yearly milestones.
📉 Common Mistakes to Avoid
- Ignoring expiry of reward points or vouchers
- Overspending just to avail offers
- Not checking partner restaurant list before visiting
- Using the wrong card (some exclude dining offers on EMI transactions)
📍 Conclusion
With India’s growing dining and food delivery culture, choosing the right dining credit card can save you thousands every year. Whether you’re a gourmet diner or a Swiggy regular, the cards listed above offer a combination of value, convenience, and premium perks.
✨ Pro Tip:
Combine your dining card with memberships like Zomato Gold or EazyDiner Prime to double your savings!
🔄 Quick Recap Table: Best Cards by Category
| Category | Best Card |
|---|---|
| Best Overall | HDFC Diners Club Black |
| No Annual Fee | IDFC FIRST Wealth Card |
| Food Delivery Friendly | AU Bank Zenith Credit Card |
| Weekend Dining Offers | Kotak Delight Platinum |
| Premium Dining & Travel | Amex Platinum Travel Card |
| Rewards + Dining | RBL Platinum Maxima |