Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Dining Credit Cards in India

    Know About Dining Credit Cards
    Dining Credit Cards

    If you have a big appetite for dining out, dining credit cards can make a world of difference to your wallet. The cards offer a number of dining deals including discounts, deals, offers and freebies at a wide range of partner restaurants and food outlets located all over the country and across the globe.

    Offers on Dining Credit Cards

    Use your dining credit card to pay your food bill, save money on the discounts and deals offered by your bank. Most banks partner with restaurants, pubs, food chains and outlets to offer the following:

    • Discounts - Customers can avail anywhere between 5% to 40% off on their bill. Each restaurant has different terms and conditions to their offer. You might get the discount on your total bill, on the food bill, on food and soft beverages, or the discount can be availed of only on a minimum amount spent all by swiping your dining credit card at the partner restaurant.
    • Complimentary items- At certain restaurants, customers are entitled to a complimentary drinks, appetizers or a starters. Lounges may also offer complimentary cocktails. Cafes offer complimentary coffee for the dining credit cardholders.
    • Offers - Partner restaurants also offer buy one get one free deals where customers can get a second dish or drink for free.

    Benefits of Dining Credit Cards

    If you’re a foodie and enjoy exploring various food destinations, you must select a credit card that offers exclusive dining privileges. Not all the credit cards come with offers on dining spends, hence make sure to have a card that offers exclusive dining benefits.

    Listed below are various benefits offered by dining credit cards.

    • Discounts at select restaurants: Use the credit card at any one of the restaurants listed by the bank and avail 10% to 15% discount on your bill value. The discount offer is typically available at most of the restaurant brands, popular restaurants in your city and other local food points. All you need to know is to find the restaurant that offers best discounts on your dining credit card and make the most of it.
    • Accelerated reward points: Dining credit cards also allow the cardholders to earn 10 to 15 times more reward points than the regular spends. Besides enjoying the food at discounted price, you can also have the privilege of earning more reward points in less transactions.
    • Cashback offers: Another interesting feature of dining credit cards is the cashback offer. If your credit cards offers cash back, a percentage of dining bill amount will be credited back to your account allowing you to enjoy your favourite food at lesser price.
    • Complimentary rewards: Some dining credit cards also offer complimentary drinks, beverages and starters. Cardholders need to present the card to avail the complimentary benefits.

    Top Banks offering Dining Offers on Credit Cards:

    Citibank Dining Credit Card Offers

    Citibank credit cards are eligible for dining offers from a wide range of restaurants in the country. Customers can get 10% to 25% off on their dining bills. Offers are available at partner restaurants in major cities including Delhi/NCR, Ahmedabad, Bengaluru, Mumbai, Pune, and Vadodara.

    You need to inform your waiter before the bill is generated to avail of any dining offers. A list of partner restaurants categorized by city is available on the bank’s website. Most Citibank credit cards are eligible to participate in the dining offers except the corporate credit cards.

    ICICI Bank Dining Credit Card Offers

    ICICI bank offers a dining programme called Culinary Treats for all its dining credit cardholders. Under this programme, customers can avail of offers at over 800 restaurants in India. Simply inform the waiter that you wish to avail the offer by paying with your ICICI Bank credit card.

    States Reataurants
    Uttar Pradesh 39
    Delhi/NCR 261
    Punjab 97
    West Bengal 107
    Andhra Pradesh 83
    Tamil Nadu 141
    Karnataka 260
    Maharashtra 461
    Gujarat 129
    Rajasthan 54

    Get minimum 15% off on your bill when you pay with your ICICI bank dining credit card. The partner restaurants serve up multiple cuisines including Chinese, Italian, American, Continental, Oriental, Pan Asian, European, Gujarati, Rajasthani, Bengali, Lucknowi, Maharashtrian, Mughlai, Parsi, North Indian and South Indian.

    HDFC Bank Dining Credit Card Offers

    HDFC Bank offers dining privileges on select cards. Customers can avail of a minimum 15% off on their food bill. Dining credit cards offered by the bank are also entitled to earn accelerated reward points on dining spends. HDFC Bank also offers luxurious dining offers at 5 star hotels which includes discounts, complimentary drinks, cocktails, coffee and dessert. Cuisines include everything from Indian, Asian, Fusion and Continental.

    Some of the top cards with exclusive dining offers and privileges are:

    The following list of cards are entitled to earn accelerated reward points on their dining spends.

    American Express Dining Credit Card Offers

    American Express has different dining offers on their credit cards. The most wide offer that includes all credit cards is the American Express Selects Dining Programme.

    • American Express Selects Dining Programme

    American Express offers the Selects Dining feature to all American Express Cardmembers. To be eligible for the dining offers, your card account should be in good standing and valid. The customer should request for the offer before the bill is processed. The offers are available in the major Indian cities including Bengaluru, Delhi/NCR, Chennai and Mumbai.

    Get 15% to 20% off on your food bill, total bill, or only if you bill a minimum amount. The offers are valid only on ala carte menus. Buffets and Happy Hours are not included in the offer.

    • American Express Fine Dining

    American Express also offers an exclusive dining programme called Fine Dining on the American Express Platinum Reserve Credit Card. The Platinum Reserve card is also entitled to the Selects Programme. Under the Fine Dining programme, cardholders are entitled to the following offers

    • Taj Epicure Plus - Earn 25% of dining spends as Epicure Points. Get 50% on lunch buffets at Taj Coffee Shops. Get 20% off on two of your special occasions at a Taj restaurant. You are also entitled to Happy Hours at participating bars.
    • American Express Dining - Customers can enjoy discounts of up to 30% at participating restaurants, and also get an extra 5% cashback. There are more than 1,200 restaurants across 8 cities in India.
    • American Express Invites

    The American Express Invites programme is an international dining offer that encompasses thousands of restaurants in the world. In India, customers can avail of offers at participating outlets in Goa, New Delhi and Mumbai. Customers are entitled to 20% of on the bill. Restaurants also offer something complimentary that could be a wine or an appetizer.

    How To Apply For Dining Credit Card Online?

    Once you have decided about the type of dining credit card you wish to avail, you can apply for the same using online channels. There are many online venues which allow you to apply for credit cards. However, applying through an authoritative channel is the key to approach the bank in a right way.

    Two authorised ways to apply for credit cards online include applying through the bank’s official website and another is to apply through third party online websites. Let’s look at both the processes in detail.

    Apply through bank’s website

    If your credit card issuer is allowing online application, you can visit the bank website, fill the required online form and submit the same to avail the credit card. Follow the steps mentioned below to know the detailed procedure to apply for a dining credit card online.

    Steps to apply for dining credit cards online

    • Visit official website of the credit card issuer
    • Go to the dining credit card page
    • Find ‘Apply’ button and click on it to visit the online application page
    • Fill all the fields with accurate information and click on ‘Submit’

    As soon as you submit the application form, a reference number will be generated. Make a note of it and use it for future queries, if any.

    Once the bank receives your application, it will review the same and if your profile seems suitable for the applied credit card, you are likely to receive a call in 3-4 working days. After verifying your details, you will be informed about the next step in the application process. More likely you will be told about the required documents to process the application and an appointment will be scheduled to collect the same.

    Upon receiving the documents, your card will be processed in 7-10 business days provided if you clear the bank’s verification process. To check how far your application has been processed, you can use the application ID to track your credit card application status online.

    Apply through BankBazaar website

    BankBazaar is one of the trusted financial service providers that offers an online platform to shop, compare and apply for various financial products including credit cards online. While specific bank websites only provide access to their own credit cards, BankBazaar, on the other hand, acts as a marketplace offering credit cards of various brands. Visitors can compare various cards and choose the best in the dining category through BankBazaar website. Below are instructions to apply for a dining credit card through BankBazaar.

    Steps to apply for dining credit card through BankBazaar

    • Visit BankBazaar at www.bankbazaar.com
    • From the main menu, select ‘Credit Cards’
    • Select the category as dining and access the list of dining credit cards
    • Select one card that best suits your needs and click on ‘Check Eligibility’ option
    • Enter the details as required to check your eligibility for the selected card
    • If your profile matches the eligibility criteria set by the bank, you will be redirected to the online application page
    • On the online application page, fill all the required details and click on ‘Submit’
    • On successful submission of the application, an ‘Application ID’ will be generated. Retain the same and use it if you have any queries regarding your application

    You can also know the status of your credit card application submitted through BankBazaar using the ‘Track Application’ feature available on the company’s website.

    Eligibility For Dining Credit Cards

    Eligibility to apply for a dining credit card varies from bank to bank and from one credit card to other. You can check the bank’s website to know the card specific eligibility. Listed below is the basic requirement to apply for a dining credit card.

    • Applicant should be a resident of India
    • Either salaried or self-employed
    • Should have a decent credit score (Not applicable for first time borrowers)
    • Minimum age of the applicant - 21 years and maximum age - 60 years

    Documents Required To Apply For Dining Credit Cards

    The required documents to apply for a dining credit card vary from one credit card to another. Some minimum documents required by many banks are mentioned below.

    • Copy of identity proof such as Aadhaar card, passport, etc.
    • Copy of PAN card
    • Two months salary slips or IT Returns
    • Copy of address proof document such as Voter’s ID, Aadhaar, driving licence, electricity bill, etc., whichever holds your current address
    • One passport size photograph
    • Duly signed-in application

    FAQs on Dining Credit Cards

    1. How Do I Know If My Credit Card Is Eligible For Dining Offers?

      This information is available online on your concerned bank’s website. You should also be able to find this information in the credit card leaflet handed to you when you received your credit card. You can also call the customer care service of your bank to find out if your credit card is entitled to dining privileges.

    2. Is There An Expiry Date On Dining Offers?

      Yes, the offers at restaurants all have their own expiry date. You will need to check your bank’s website, or the website dedicated to the dining programme to find out the validity of the offer. Dining programmes may also have an expiry date as a whole programme.

    3. How Do I Avail Dining Offers On My Credit Card?

      To avail the offer, you need to inform the merchant partner or the waiter that you would like to get the discount or complimentary offer. To be eligible for the offer, you must pay the bill with your credit card.

    4. Are Public Holidays Included For The Dining Offers?

      Almost all banks and the merchant partners allow dining offers to run on public holidays. The offers will not be valid, however, on blackout dates that include dates such as 14th February, Valentine’s day, and 31st December, New Year’s eve..

    5. Can I Avail Of Discounts Even During Happy Hours?

      No, discounts under dining programmes are not valid during Happy Hours. Dining offers are also not available on buffets.

      

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Credit Card Reviews

    • Citibank Credit Card
      "Excellent bank"
      0.5 5.0/5 "Blown Away!"
      CITI Bank provide very good customer services and it has been the best in the response. They have offered me a credit card of Rs. 1L and I have used it much for shopping purchase , restaurant,EB bill payment, rent payment using this card and amazon voucher monthly i am getting in this card.
      Was this review helpful? 1
      , bangalore
      Reviewed on Mar 20, 2020
    • SBI Cards
      SBI Cards Credit Card
      "Average service"
      0.5 5.0/5 "Blown Away!"
      I have been using SBI credit card for one month which have a credit limit of Rs.92000. The annual charge of the card is Rs.500, its a very convenience card to used as i am using it for many purposes like shopping,bill payments,restaurant and tickets booking.The service of the bank are good.
      Was this review helpful? 0
      , rajkot
      Reviewed on Mar 19, 2020
    • YES Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I have a credit card from YES bank but due to the crisis i am unable to use the card in online and offline purchases whenever i do the transactions, it shows declined. For the dining and 1+1 movie tickets, reward points purpose, i have chosen this card. They have given me a credit limit of Rs. 30000. Its a zero annual fee credit card.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Mar 16, 2020
    • SBI Cards Credit Card
      "Good card for all purposes"
      0.5 5.0/5 "Blown Away!"
      I am using SBI card for more than a year. It is annual fee chargeable card of 1K and there is an option of waiver off option for certain amount usage within a year. The credit limit is sufficient of 1L. The customer service is good and get immediate response from them. I get good benefits of cash back for online shopping, fuel and dining purposes.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 11, 2020
    • Standard Chartered Bank Credit Card
      "Good card "
      0.5 5.0/5 "Blown Away!"
      STANDARD CHARTERED Bank has provided annual fee chargeable card which was applied direct from bank on one year back. There is a waiver off option if I spend certain amount of usage. The credit limit is 2L. At initial I got 1.15L now they have enhanced well. I not preferred for cash limit. I use this card for dining out, shopping and online purchase. Based on usage I get reward points.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 11, 2020
    • ICICI Bank Credit Card
      "Good for EMI option"
      0.5 4.0/5 "Great!"
      I have been using my ICICI credit card for almost last 4 years. I'm getting good reward points. For dining in their partner restaurants and shopping in their partner shops, I'm getting some cashbacks. I have availed the EMI conversion facility and the charges depends on the tenure period that i select but charges are less.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 06, 2020
    • HDFC Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      HDFC is a best credit card to use. I have a salary account with HDFC and this is my first credit card. I have received a regalia credit card. There is a complementary lounge access in domestic and international airport but i haven't availed that facility. There is a 10* reward points when i purchase and they are providing good conversion value like 1 point is equal to 0.60 paise. Some dining privilege also there. I get a preferred services for hotel booking. There is a dedicated customer care service also for the regalia customer. They have provided me a Air insurance and card protection plan with the zero cost.
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 05, 2020
    • IndusInd Bank Credit Card
      "Need to provide more benefits "
      0.5 4.0/5 "Great!"
      I got an annual fee chargeable of 500 rupees from INDUSIND and there is no waiver off option. I got delayed to get a call from banker on 4 to 5 days but the process was good and by manual provided the documents there is no much benefits. I use this card for dining , purchase but not getting much benefits.
      Was this review helpful? 0
      , thane
      Reviewed on Mar 04, 2020
    • YES Bank Credit Card
      "Customer satisfaction "
      0.5 4.0/5 "Great!"
      The process was quite good, YES BANK given me satisfactory credit limit for credit card and that too zero annual fee. Documentation was very simple, executive collected from my home and i received the card within a week. I am using this card for dining, groceries, super market and online shopping.
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 02, 2020
    • Axis Bank Credit Card
      "Excellent Card"
      0.5 5.0/5 "Blown Away!"
      Using my zone credit card from Axis bank and I'm getting 25% cashback in movie tickets and dining also am purchasing the groceries and etc., I use this card for almost 5 years. I'm getting so much benefits on this card. My salary account is in Axis bank so that they offered me. I got the limit of Rs. 1 lakh.
      Was this review helpful? 0
      , zirakpur
      Reviewed on Mar 02, 2020
    • HDFC Bank Credit Card
      "Best service"
      0.5 5.0/5 "Blown Away!"
      Recent I have taken HDFC Bank credit card through online and I received this card within 20 days. Documentation was simple so executive collected on time. They offered a credit limit of Rs. 90K and its a free card. I use this card for dining and shopping.
      Was this review helpful? 1
      , bangalore
      Reviewed on Feb 29, 2020
    • HDFC Bank Credit Card
      "Need to reduce the interest rate"
      0.5 2.0/5 "Expected more"
      Interest rates are more in HDFC credit card. I am holding a Diners clubmiles card. I am getting offers on restaurants for dining and this is not accessible in most of the places since the card has 11 digit number where other cards are having 16 digit. Its a zero annual fee card.
      Was this review helpful? 1
      , chennai
      Reviewed on Feb 28, 2020
    • RBL Bank Credit Card
      "Need to provide more benefit"
      0.5 4.0/5 "Great!"
      I am using RBL credit card for more than a year. It is annual fee charge of 1,000 rupees plus GST and there is no wavier off option. The credit limit of 55K. They haven't enhanced the limit yet. I use for shopping and mostly for dining purpose. It is Bajaj card. I am yet to get benefits in this card. EMI is applicable but not yet utilized.
      Was this review helpful? 0
      , jamshedpur
      Reviewed on Feb 26, 2020
    • Kotak Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am holding KOTAK credit card for past 10 years. They have given credit limit of 18K now they have enhanced up to 1.75L. It is a life time free card. EMI conversion is avail with nominal charges. It is a Platinum card. I use for Shopping, fuel and dining purpose based on usage use to get many benefits. I get 2 movie tickets offer in PVR if I spend 1L within 6 month.
      Was this review helpful? 1
      , ludhiana
      Reviewed on Feb 18, 2020
    • IndusInd Bank Credit Card
      "Excellent Card"
      0.5 5.0/5 "Blown Away!"
      I have purchased Indusind bank credit card because i got an offer with the sales executive. I need to pay some annual fee but it will get waived off. They have provided me a credit limit of Rs. 30000 thats sufficient for me. I'm getting dining discounts, grocery offers. I have already spoke with the customer care and they are excellent.
      Was this review helpful? 1
      , new delhi
      Reviewed on Feb 15, 2020
    • HDFC Bank Credit Card
      "Need to provide mobile app service "
      0.5 5.0/5 "Blown Away!"
      Since I am holding a salary account so I got credit card offer. But I am unable to check all transaction details in app. For every purpose need to login in site, to check payment bill and reward points or even if I want to update also need to visit website only. There is no mobile app. I am holding this card for 2 years. More hectic to the customer they are not providing proper mobile app service. It is a Life time free card. The credit limit is 1L. EMI conversions are very good, it is avail for small amount as well. I use it for restaurant, fuel surcharges are applicable, online shopping, since they tied up with Flipkart and Amazon I get 10% discounts for 3K purchase.
      Was this review helpful? 3
      , pune
      Reviewed on Feb 15, 2020
    • Axis Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am using Axis Bank My Zone credit card more than 7 years. Annual charges for this card is Rs. 500 and there is a no fee wavier. This card has movie & restaurant offer and also i am getting reward points. Credit limit is Rs. 70k, i was taken a personal loan from this bank and its going to be complete in Feb 2020 then they will increase my limit.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 03, 2020
    • Axis Bank Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Axis Bank credit card which was taken through online .I am using this credit card for the past 7 to 8 months .There will be restaurant benefits ,fuel benefits as well as bonus points for shopping .This was a life time free card and not faced any issues and the credit limit was good to me .
      Was this review helpful? 2
      , kolkata
      Reviewed on Jan 31, 2020
    • HDFC Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I was having HDFC credit card. Its easy to make the payment and get the card hence I have received the card within 3 days. They gave me a credit limit more than what i expected because it was Rs. 2L. I'm getting dining offers, flight ticket offers and movie ticket. Till now I haven't make the payment because the time is there for the payment.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 31, 2020
    • IndusInd Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I hold Indusind Bank credit card with the limit of Rs.75,000. I am using if for 5-6 months and this is a lifetime free card which have taken online. I am using it for dining, grocery, shopping, etc. I have not called the customer service. EMI conversion is available.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 29, 2020
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