Are you looking for the best dining offers on credit cards? If you live away from your family or you are someone who loves to enjoy dining out or ordering food at home, such cards can be your go-to option.

Starting from deals on restaurants to delivery platforms, such credit cards will satisfy your taste buds whenever you wish. Say you are hosting your birthday party at a partner restaurant, and you get a hefty discount on your overall bill. Wouldn’t that be great? That’s exactly why getting a dining credit card can help.

Basics of a Dining Credit Card

Just like hunger and cravings are two separate things, dining out and dining out with a credit card are also different. When you dine out, you enjoy your meal and pay for the meal you have just enjoyed. When you use a dining credit card for the same meal, you get offers such as:

  • Accelerated reward points
  • Complimentary beverages or desserts 
  • Cashback 
  • Discounts
  • Membership to dining loyalty programs 

These added benefits come with credit card membership. This is why getting a dining credit will not just allow you to enjoy your food but will also save a bit of your money! 

Best Dining Credit Cards in India

Check this table to see some of the best dining offers on credit cards as well as other features. You can choose from lifetime-free credit card options, which come with no added charges and can enhance your savings further. These options are:

Name of Dining Credit Card Dining Benefits Other Perks Fees and Charges
Axis Bank ACE Credit Card
  • 4% cashback on Zomato and Swiggy
  • 1.5% cash back on other transactions
  • Complimentary domestic lounge access
  • 1% fuel surcharge waiver
  • Joining Fee: ₹499
  • Annual Fee: ₹499
Axis Neo Credit Card
  • 40% off on food delivery through Zomato
  • 15% off at the partnered restaurants
  • 5% off on recharges through PayTM
  • 10% off on Blinkit, Myntra and BookMyShow
  • Joining Fee: ₹250
  • Annual Fee: ₹250
HDFC Millennia Credit Card
  • 5% cashback on Swiggy, Zomato.
  • 20% discounts at partnered restaurants via Swiggy Dineout
  • 5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, BookMyShow, Cult.fit, Sony LIV and Uber
  • 1% cashback on EMI and other transactions
  • Joining Fee: ₹1,000
  • Annual Fee: ₹1,000
One Credit Card
  • 2% Valueback on OneDining
  • 2% valueback on McDonalds.
  • 30% off on Behrouz Biryani
  • 5X reward points on your top two spending categories
  • Save up to ₹5,000 on travel booking with Yatra
  • Joining Fee – NIL
  • Annual Charges – NIL

SBI Card PRIME

  • 10 Reward Points per 100 spent on Dining
  • 4 Reward Points = 1
  • complimentary Trident Privilege Red Tier Membership.
  • Joining Fee: ₹2,999 + Taxes
  • Annual Fee: ₹2,999 + taxes
HDFC Diners Club Privilege Credit Card
  • 5X Reward Points on Swiggy and Zomato
  • Complimentary Annual Memberships of Swiggy One
  • 10X Rewards on Booking flight tickets and hotels
  • 4 Reward Points for every ₹150 spent
  • Joining Fee: ₹1,000 + taxes
  • Annual Fee:₹1,000 + taxes

Disclaimer: Offers and features of credit cards are subject to change; please check the latest information before you apply.

How to Apply for a Dining Credit Card in India?

Once you have picked the credit card you prefer, follow these steps to get your dining credit card.

  • Step 1: Go to the official website of the credit card company
  • Step 2: Select the ‘Apply now’ button
  • Step 3: Fill all the necessary details on your application form
  • Step 4: Recheck and submit it along with the necessary documents

Next, you may need to complete video-KYC and then you can await approval. 

Dining Credit Card Eligibility Criteria

To apply for such a credit card, you will need to have to fulfil certain eligibility criteria, such as:

  • Be an Indian resident
  • Be above 18 years of age
  • Have a good credit score
  • Be a salaried employee or a self-employed individual earning a certain minimum amount as per the issuer’s policies 

To prove your eligibility, you need to submit a few documents, which include:

  • ID proof: Passport, PAN card, Aadhaar card, Driving license, Voter ID, 
  • Income proof: Bank statements, Income tax returns
  • Address proof: Passport, Aadhaar card
  • Photographs: Recent colour photos 

If you can’t wait to enjoy dining offers but are wondering where to start, it may be a good idea to get a lifetime-free credit card. One such option is the One Credit Card, which not only has great offers on ordering in, dining out and grocery shopping, but also on categories such as fuel, shopping for electronics, travel, and more. 

This credit card comes with a powerful app, called the OneCard App, which helps you set spending limits, manage your reward points and convert purchases into EMI in just a tap. 

If you are someone who enjoys reward points, then you can get 5X reward points on your top two spending categories every month. To start your journey with this credit card, apply online now.

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