Best Credit Cards in India for Dining Spends

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

• 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)

HDFC Diners Club Black/ Diners Club Black Metal Edition

• 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)

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)

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

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

• Full Review
• Joining Fee: ₹1,90,000+GST/90,000+GST
• Annual Fee: NIL/90,000+GST(Waived off on ₹10L Spends in a Year)

IndusInd Indulge

• Joining Fee: ₹2,00,000+GST
• Annual Fee: NIL

IndusInd Club Vistara Explorer

• Joining Fee: ₹40,000+GST
• Annual Fee: ₹10,000+GST

IndusInd Celesta

• Joining Fee: ₹50,000+GST
• Annual Fee: ₹5,000+GST(Waived off on ₹10L Spends in a Year)

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)

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.

Axis Burgundy Private (The OneCard)

• Joining Fee: NIL for Burgundy Private Clients (5Cr TRV)
• Annual Fee: NIL/₹50,000+GST

Axis Reserve

• Full Review
• Joining Fee: ₹50,000+GST
• Annual Fee: ₹50,000+GST(Waived off on ₹35L Spends in a Year)

Axis Magnus/Magnus Burgundy

• Full Review
• Joining Fee: ₹12,500+GST/₹30,000+GST
• Annual Fee: ₹12,500+GST/₹30,000+GST(Waived off on ₹25L Spends in a Year)

Axis Vistara Infinite

• Full Review
• Joining Fee: ₹10,000+GST
• Annual Fee: ₹10,000+GST

Axis Miles & More World Select Credit Card

• Joining Fee: ₹10,000+GST
• Annual Fee: ₹4,500+GST

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.

Indusind EazyDiner Signature

• Full Review
• Reward rate on Dining: 25% off up to ₹1000 + 2% Reward Rate
• Joining Fee: ₹1999+GST
• Annual Fee: ₹1999+GST

Indusind EazyDiner Platinum

• Full Review
• Reward rate on Dining: 20% off up to ₹1000 + 0.4% Reward Rate
• Joining Fee: LTF
• Annual Fee: LTF

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!

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

• Full Review
• 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)

HDFC Swiggy

This a newly launched co-branded card for Swiggy from HDFC Bank and is gaining popularity among card users.

• Full Review
• 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)

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)

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

• Full Review
• 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)

SBI Cashback

• Full Review
• 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)

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)

Yes Marquee

• Full Review
• 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)

Zomato

Axis Neo

• Reward rate on Dining: 40% off up to ₹120 on a minimum order of ₹500 twice a month
• Joining Fee: LTF
• Annual Fee: LTF

Axis Airtel

• Full Review
• 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)

Standard Chartered Digismart

• Full Review
• 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)

IDFC First SWYP

• 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

Axis Ace

• Full Review
• 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)

Swiggy

Axis Select

• 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)

Axis Rewards

• 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)

Axis My Zone

• 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)

HDFC Swiggy

• Full Review
• 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)

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.