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  • 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?

    2. 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.

    3. Is There An Expiry Date On Dining Offers?

    4. 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.

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

    6. 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.

    7. Are Public Holidays Included For The Dining Offers?

    8. 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..

    9. 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

    • IndusInd Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I applied INDUSIND BANK PLATINUM AURA EDGE CREDIT CARD through online. My credit limit is only 50 thousand, I was expecting more than 1 lakh. I had received the card on time. I like the features of the card. I am using it for shopping and restaurant.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 17, 2019
    • RBL Bank
      RBL Bank Credit Card
      "Neeed to provdie more cash back"
      0.5 5.0/5 "Blown Away!"
      I am using RATNAKAR Platinum Maxima credit card for the past 3 months. They have provided with good credit limit. EMI option is appreciable and charges are nominal. I use for shopping, fuel, dining purpose. If I purchase for 9000 thousands I get points but some time only I get cash back.
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      , bangalore
      Reviewed on Sep 16, 2019
    • Citibank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have applied for a credit card with CITI bank before on 2 months. It is an annual fee chargeable card of 1000 rupees there is an option for a waiver off if we spend amount of 30 thousands within a year. It took around 3 weeks to get a card. The credit limit is low. EMI option applicable. I use for shopping, dining and mobile payment.
      Was this review helpful? 0
      , greater noida
      Reviewed on Sep 16, 2019
    • IndusInd Bank Credit Card
      "Good to use"
      0.5 3.0/5 "Satisfactory"
      Its gives me offers when I dine out esspecially for book my show movie tickets and at commerce flipkart, amazon. My Indusind platinum aura card has life time free benefits, I got the expected credit limit. In the restaurant I got the discount upto 25 to 30% on my spends.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Good and helpful"
      0.5 5.0/5 "Blown Away!"
      Around 2 months before, i got the card and its times card. They have given me a credit limit above of Rs. 50000. There is a annual fee of Rs. 500. All of the benefits i get like dining , shopping and flight tickets. First month itself its easy to understand. I make the payment through online.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 07, 2019
    • IndusInd Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have received PLATINUM AURA EDGE MASTER CARD from INDUSIND BANK. I am using it to withdraw cash and for dining. I have not got offers and reward points. I have received the card on time and it's lifetime free card. Credit limit is sufficient for me.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 31, 2019
    • Citibank Credit Card
      "Recommended for online marketers"
      0.5 5.0/5 "Blown Away!"
      I got the CITI bank credit card 1 month ago. The card is having a limit of Rs. 65000. I bought the card mainly for doing a online transaction and international transaction because my existing card does not work in international website. Till now i have not availed any benefits but they are providing some offers on ticket booking in theaters and dining in restaurants.
      Was this review helpful? 1
      , navi mumbai
      Reviewed on Aug 30, 2019
    • IndusInd Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I applied PLATINUM AURA EDGE MASTER CARD from Indusind Bank. Indusind Bank customer service is very good. My card was delivered on time. Credit limit is nominal and there is no annual fee. I am using it for onilne shopping, restaurant and malls.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 28, 2019
    • ICICI Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI BANK coral credit card for the past 5 months. Before I was using other card now they have upgraded to new one. Credit limit is good and sufficient to use. It is an annual fee chargeable card. There is an option for an airport lounges and dining purposes.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 28, 2019
    • ICICI Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding ICICI BANK platinum credit card for the past 15 years. Credit limit is good and sufficient to use.It was a life time free credit card which was given from bank. EMI options are applicable and charges are nominal for this card. There is no option for dining and airport lounges.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 28, 2019
    • IndusInd Bank Credit Card
      "Medium"
      0.5 4.0/5 "Great!"
      It is a life time free credit card so I preferred to apply through an online with INDUSIND bank on a month before. The verification process was done on smooth and received a card on time. The credit limit is given for 50 thousands. EMI options are applicable and there is no charges are applicable. I use for shopping and restaurant purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 28, 2019
    • HDFC Bank Credit Card
      "Limited access card"
      0.5 4.0/5 "Great!"
      I have taken the Diners clubmiles card because i got the offer from the corporate end. This card known for the offers available in various hotel for dining. They given credit limit is sufficient for me and they are charging a annual fee of Rs. 3000. Once its done, i will not continue with the card and i freeze this account. The card is not acceptable everywhere.
      Was this review helpful? 1
      , mumbai
      Reviewed on Aug 27, 2019
    • IndusInd Bank Credit Card
      "User friendly card"
      0.5 4.0/5 "Great!"
      The sales people has given me a benefits in terms of life time free benefits thats why i have chosen the card. They have discussed about the other benefits as well like petrol sur charges waiver, movie tickets and dining discount. I have received the card within 10 working days. While booking movie tickets, they said its 1+1 free which i could not availed till date.
      Was this review helpful? 1
      , mumbai
      Reviewed on Aug 27, 2019
    • RBL Bank Credit Card
      "New bank in the market"
      0.5 4.0/5 "Great!"
      Recently they have opened the branch in RBL card. Their customer care service is not good. In Dining and flight ticket offer is there. I can get the cash by redeeming the points. I'm not sure about the fuel offers. I am using the card for past 1.5 years and i'm planning to hand over this card since i'm unable to maintain more cards.
      Was this review helpful? 1
      , chennai
      Reviewed on Aug 27, 2019
    • ICICI Bank Credit Card
      "Good Card"
      0.5 3.5/5 "Pretty good"
      In ICICI, i get a good discounts on restaurant and i get a free movie tickets. I have been using the ICICI card for almost 2 years. They called me to enhance the limit but i have not accepted. Annual fee will get waived off based on my transactions. They used to charge minimal annual fee compared to others.
      Was this review helpful? 0
      , bangalore
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    • IndusInd Bank Credit Card
      "Average Card"
      0.5 2.0/5 "Expected more"
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      Was this review helpful? 0
      , pune
      Reviewed on Aug 27, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 4.0/5 "Great!"
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      , pune
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    • SBI Cards Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
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      , hyderabad
      Reviewed on Aug 25, 2019
    • HDFC Bank Credit Card
      "Need to enhance the credit limit"
      0.5 4.0/5 "Great!"
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      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 25, 2019
    • Axis Bank Credit Card
      "Need to decrease charges"
      0.5 5.0/5 "Blown Away!"
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      , hyderabad
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