Eating out or ordering in has become a regular part of urban lifestyles in India. With the growth of food delivery services and luxury dining options, credit cards offering dining benefits have gained massive popularity. From discounts to cashback, reward points, and exclusive memberships, these cards can significantly reduce your restaurant bills.
In this comprehensive guide, we’ll explore the best credit cards for dining offers in India (2025), compare their features, fees, and benefits, and help you choose the right one based on your lifestyle.
✅ Why Choose a Credit Card with Dining Offers?
Before diving into the list, let’s understand the advantages of using a dining credit card:
| Benefit | Description |
|---|---|
| Instant Discounts | Get flat 10%–25% off at partner restaurants. |
| Cashback | Earn cashback on food spends, especially online orders. |
| Reward Points | Accumulate points on dining transactions and redeem them later. |
| Complimentary Memberships | Access dining networks like Zomato Pro, EazyDiner Prime, Dineout Passport. |
| Fine Dining Privileges | Enjoy luxury dining, chef-curated menus, and priority reservations. |
🏆 Top Credit Cards for Dining Offers in India (2025)
Here’s a curated list of the best credit cards you can use to maximize your savings while dining out or ordering food.
1. HDFC Bank Diners Club Privilege Credit Card
One of the best all-rounder credit cards for dining and lifestyle.
Key Benefits:
- Up to 20% off at premium partner restaurants.
- Complimentary EazyDiner Prime membership.
- 2X reward points on dining spends.
- Airport lounge access across India.
Fees:
- Annual Fee: ₹2,500 + GST
- Welcome Benefit: Free memberships and vouchers worth ₹5,000
Best For: Frequent diners, foodies, and those who enjoy premium services.
2. SBI Card ELITE
A premium card from SBI with wide-ranging lifestyle and dining perks.
Key Benefits:
- Up to 25% discount at partner restaurants through Dineout Passport.
- Free Club Vistara Silver and Trident Privilege Red Tier membership.
- 2 reward points per ₹100 on dining.
- Complimentary movie tickets (worth ₹6,000 annually).
Fees:
- Annual Fee: ₹4,999 + GST
- Welcome Benefit: ₹5,000 e-gift voucher
Best For: Luxury seekers and frequent diners in metro cities.
3. HDFC Regalia Gold Credit Card
A favorite among upper-middle-class families and working professionals.
Key Benefits:
- Up to 15% discount at partnered restaurants.
- Complimentary Zomato Pro membership (limited offer).
- 4 reward points on every ₹150 spent.
- Lounge access (both domestic and international).
Fees:
- Annual Fee: ₹2,500 + GST
- Welcome Benefit: ₹2,500 worth vouchers
Best For: Business professionals and frequent travelers.
4. Axis Bank Vistara Infinite Credit Card
Ideal for frequent flyers and fine-dining lovers.
Key Benefits:
- Complimentary Club Vistara Gold membership.
- Up to 25% off dining at EazyDiner partner restaurants.
- Milestone benefits (free business class tickets).
- 6 CV points per ₹200 spent.
Fees:
- Annual Fee: ₹10,000 + GST
- Welcome Benefit: Business class ticket and club membership
Best For: High-income earners and luxury diners.
5. IndusInd Bank Legend Credit Card
A lifestyle card with strong dining offers.
Key Benefits:
- 1+1 free buffet at partner 5-star restaurants.
- Weekend dining offers with up to 20% off.
- Concierge service for reservations and bookings.
Fees:
- Annual Fee: ₹5,000 (waived with certain spends)
Best For: Couples and families who dine out regularly.
6. Kotak White Reserve Credit Card
An exclusive card for the elite, with heavy dining perks.
Key Benefits:
- Complimentary Dineout Passport membership.
- Priority booking at select high-end restaurants.
- Access to curated chef menus and tasting events.
Fees:
- Annual Fee: ₹12,500 + GST
- Welcome Vouchers: Worth ₹12,500
Best For: HNIs and premium lifestyle users.
📊 Comparison Table: Best Dining Credit Cards India
| Credit Card | Dining Discount | Membership Included | Annual Fee | Best For |
|---|---|---|---|---|
| HDFC Diners Privilege | 20% | EazyDiner Prime | ₹2,500 | Premium diners |
| SBI ELITE | 25% | Dineout Passport | ₹4,999 | High-end foodies |
| HDFC Regalia Gold | 15% | Zomato Pro (limited) | ₹2,500 | Professionals |
| Axis Vistara Infinite | 25% | Club Vistara Gold | ₹10,000 | Frequent flyers |
| IndusInd Legend | 1+1 Buffet | Concierge Service | ₹5,000 | Couples |
| Kotak White Reserve | Varies | Dineout Passport | ₹12,500 | HNIs |
🍱 Dining Offers on Online Food Delivery (Zomato, Swiggy)
Most of these cards also offer instant discounts and cashback on online food ordering platforms:
| Card | Platform | Offer |
|---|---|---|
| HDFC Bank Cards | Zomato | Up to ₹250 off on weekends |
| SBI Cards | Swiggy | Flat ₹100 off on min ₹500 spend |
| Axis Bank Credit Cards | Zomato | 15% off on Axis Thursdays |
| ICICI Coral Credit Card | Swiggy/Zomato | 10% cashback on weekends |
💡 Tips to Maximize Dining Benefits
- Use partner platforms like EazyDiner, Dineout, or Zomato Pro for extra discounts.
- Stack rewards – Combine card offers with platform deals (e.g., bank day offers).
- Avoid surcharge traps – Some restaurants charge service fees, which may dilute your savings.
- Track expiry of reward points – Most cards have a 2–3 year expiry on reward points.
- Check validity – Dining offers are often location- or day-specific.
🧐 Who Should Get a Dining Credit Card?
You should consider getting a dining credit card if:
- You dine out more than 4 times a month.
- You spend significantly on food delivery platforms.
- You’re looking for premium dining experiences with added perks.
- You enjoy earning rewards or cashback on everyday food bills.
📋 Documentation Required to Apply
Applying for a dining credit card is quite simple. Here’s what you typically need:
| Document | Purpose |
|---|---|
| PAN Card | Identity Verification |
| Aadhaar Card / Voter ID | Address Proof |
| Income Proof (ITR/Salary Slip) | Income Eligibility |
| Bank Statement | Spending Pattern |
📞 How to Apply for a Dining Credit Card?
You can apply:
- Online through the bank’s website or aggregators like BankBazaar, PaisaBazaar.
- Offline by visiting your nearest bank branch.
- Through pre-approved offers if you’re an existing customer.
Make sure to compare features, check annual fees, and review your dining habits before applying.
🧾 Final Thoughts
In 2025, food is not just a necessity but a lifestyle experience. And with the right credit card, you can enjoy that experience without burning a hole in your pocket. Whether you prefer fine dining at five-star hotels or casual weekend brunches, the best dining credit cards in India offer the perfect blend of discounts, rewards, and luxury.
Make your meals more rewarding—choose a card that aligns with your lifestyle and unlock exclusive dining privileges today!
🔍 FAQs: Best Dining Credit Cards India
Q1. Which credit card offers the highest dining discount in India?
A: SBI Card ELITE and Axis Bank Vistara Infinite offer up to 25% off through Dineout/EazyDiner.
Q2. Do credit cards offer discounts on food delivery apps?
A: Yes, many cards partner with Swiggy and Zomato to offer discounts or cashback.
Q3. Is Zomato Pro membership free with any credit card?
A: Yes, selected cards like HDFC Regalia Gold offer limited-time Zomato Pro memberships.
Q4. Can I use these dining benefits in all cities?
A: Most offers are valid in major cities. Always check restaurant and location-wise availability.
Q5. Are there any hidden charges?
A: Not usually, but GST and service charges at restaurants are not covered by discounts.