Best Credit Cards in India for Dining Spends

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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

HSBC Cashback Credit Card Review
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: Click Here

HDFC Diners Club Black/ Diners Club Black Metal Edition

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: Click Here

AU Zenith

AU Zenith Credit Card
  • 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: Click Here

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

Best Credit Cards for Dining Spends in India

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
IndusInd Pioneer Heritage Metal Credit Card
IndusInd Pioneer Heritage
  • 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)
  • Apply For This Credit Card: Click Here
IndusInd Indulge
IndusInd Indulge
  • Joining Fee: ₹2,00,000+GST
  • Annual Fee: NIL
  • Apply For This Credit Card: Click Here
IndusInd Club Vistara Explorer
IndusInd Club Vistara Explorer
  • Joining Fee: ₹40,000+GST
  • Annual Fee: ₹10,000+GST
  • Apply For This Credit Card: Click Here
IndusInd Celesta
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: Click Here
IndusInd Crest
IndusInd Crest
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: Click Here

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.

Best Credit Cards for Dining Spends in India
Axis Burgundy Private (The OneCard)
Axis Burgundy Private
Axis Burgundy Private
  • Joining Fee: NIL for Burgundy Private Clients (5Cr TRV)
  • Annual Fee: NIL/₹50,000+GST
  • Apply For This Credit Card: Click Here
Axis Reserve
Axis Reserve Credit Card Review
Axis Reserve Credit Card
  • Full Review
  • Joining Fee: ₹50,000+GST
  • Annual Fee: ₹50,000+GST(Waived off on 35L Spends in a Year)
  • Apply For This Credit Card: Click Here
Axis Magnus/Magnus Burgundy
Axis Magnus Credit Card
Axis Magnus Credit Card
  • 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)
  • Apply For This Credit Card: Click Here
Axis Vistara Infinite
Axis Vistara Infinite Credit Card
Axis Vistara Infinite Credit Card
Axis Miles & More World Select Credit Card
Axis Miles And More Credit Card
Axis Miles And More Credit Card
  • Joining Fee: ₹10,000+GST
  • Annual Fee: ₹4,500+GST
  • Apply For This Credit Card: Click Here

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
  • Apply For This Credit Card: Click Here
Indusind EazyDiner Platinum
  • Full Review
  • Reward rate on Dining: 20% off up to ₹1000 + 0.4% Reward Rate
  • Joining Fee: LTF
  • Annual Fee: LTF
  • Apply For This Credit Card: Click Here

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

HDFC INFINIA Credit Card Metal Edition.
  • 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)
  • Apply For This Credit Card: Click Here

HDFC Swiggy

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

HDFC Swiggy Credit Card
  • 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)
  • Apply For This Credit Card: Click Here

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: Click Here

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)
  • Apply For This Credit Card: Click Here

SBI Cashback

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)
  • Apply For This Credit Card: Click Here

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: Click Here

Yes Marquee

Yes Bank Marquee Credit Card Review
Yes Bank Marquee Credit Card
  • 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)
  • Apply For This Credit Card: Click Here

Zomato

Axis Neo

Axis Neo Credit Card
Axis Neo Credit Card
  • Reward rate on Dining: 40% off up to ₹120 on a minimum order of ₹500 twice a month
  • Joining Fee: LTF
  • Annual Fee: LTF
  • Apply For This Credit Card: Click Here

Axis Airtel

Axis Airtel Credit Card
Axis Airtel Credit Card
  • 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)
  • Apply For This Credit Card: Click Here

Standard Chartered Digismart

Standard Chartered DigiSmart
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)
  • Apply For This Credit Card: Click Here

IDFC First SWYP

IDFC First Swap Credit Card
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: Click Here

Axis Ace

Axis Ace Credit Card Review
Axis Ace Credit Card
  • 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)
  • Apply For This Credit Card: Click Here

Swiggy

Axis Select

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: Click Here

Axis Rewards

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: Click Here

Axis My Zone

Axis Bank MyZone Credit Card
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: Click Here

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)
  • Apply For This Credit Card: Click Here

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.

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4 COMMENTS

  1. Hey,
    It looks like some of the information is wrong in the article.
    Yes Marquee joining and annual fees are incorrectly mentioned.
    Also, both Infinia and DCB do not give the 3.33% extra reward rate on Swiggy dineout. Just the 15% off upto 1000

  2. Looks like EazyDiner, the app, not IndusInd Bank’s card is the future if people adopt it although IndusInd Bank’s Signature EazyDiner card is pretty awesome. On EazyDiner app, I noted discounts with some basic/ordinary/common man credit cards also which may give some savings:
    – ICICI Amazon Pay card
    – RBL Bank credit cards
    – Axis My Zone, Ace and even Kiwi
    – IDFC First Classic

    Debit and prepaid cards with some discounts on EazyDiner app:
    – IndusInd Exclusive account debit cards
    – Kotak Everyday RuPay Platinum debit card
    – AU RuPay Platinum

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