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

    Super Duper Offer by Bankbazaar

    • Avail a gift voucher worth upto Rs.1000 from Amazon on applying for a credit card
    • Voucher will be provided upon approval of the credit card application
    • Offer will be valid from January 1, 2019 to January 31, 2019

    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.

    Credit Card Reviews

    • ICICI Bank Credit Card
      "Good application but need improvement"
      0.5 3.5/5 "Pretty good"
      I don't have good experience with ICICI, anyway the I mobile app is easy to do fund transfer and other service and if I place the request for cheque book immediately processed it. However some time the service get hang , they need to develop on that part.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 14, 2019
    • SBI Cards Credit Card
      "Good for air port lounges"
      0.5 4.5/5 "Excellent!"
      The SBI card is good, I used to get air lounges in the air port and they issue good credit limit based on the customer profile, but they don't have any cash back. The customer support is also not good they need to improvement however card features is good and charges are nominal.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Good card and best to use"
      0.5 5.0/5 "Blown Away!"
      I am very much happy with the HDFC service and am using the credit card for one year. It is Money Back visa credit card. They are providing cash back offers, it depends up on the transactions. I have converted the out standing payments into EMI and charges are reasonable.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 14, 2019
    • ICICI Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      The redemption of reward points are very less and the product they are offering for the points which was high. I am not able to purchase the product on those points. I have no issues with the customer support. The rate of interest is average. I need to spend a lot to accumulate the 10% discounts for shopping.
      Was this review helpful? 0
      , mohali
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Offers are average"
      0.5 4.0/5 "Great!"
      I am not satisfied with the benefits and have been using the credit card for more than 10 years. The credit limit is good. The charges are more for the credit card. I am able to manage the account online. I can do the payment into their app and net banking. I have taken flexi pay and charges are high since I don't use.
      Was this review helpful? 1
      , mohali
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Okay"
      0.5 3.5/5 "Pretty good"
      HDFC credit card is good in between some of the period I did not use the card much. I cannot convert the payment into EMI and it does not have that option. The service wise they are good and no issues. Its a zero fee card, reward points are there other than there was no much offers.
      Was this review helpful? 1
      , hosur
      Reviewed on Jan 14, 2019
    • SBI Cards Credit Card
      "Best card"
      0.5 4.5/5 "Excellent!"
      SBI is doing good service and the offers. It has Flexi pay option and reward points can be redeemed easily. Am much satisfied with SBI and using it for 3 years. Annual charge will be waived off If I use to certain limit. The credit limit was enough to me.
      Was this review helpful? 1
      , hosur
      Reviewed on Jan 14, 2019
    • ICICI Bank Credit Card
      "Can do Better"
      0.5 3.0/5 "Satisfactory"
      In ICICI bank, they were already collecting the interest rate for swiping the card, again in the bill they were adding one more charges its not upto the mark. Its a normal card with other benefits but still I think it has the annual fee around Rs. 500.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Good service and need to reduce the interest "
      0.5 4.0/5 "Great!"
      The charges are very high on HDFC credit card which is around 10 to 11% some cases its 12%. I am using the card for 5 to 6 years and after 2 years they have enhanced the credit limit. They are charging annual fee and I don't know the figure. The online service is good and am not satisfied with the customer center, only Chennai office is doing good response.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 14, 2019
    • Punjab National Bank Credit Card
      "Good card"
      0.5 4.5/5 "Excellent!"
      There was no issues on the credit card experience. The customer service was very fine. I have been using Punjab National Bank card for around 10 years. I use it only for shopping and there was no offers, its just a basic card. I can covert the payment into EMI and the charges are minimal which is 3%.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Dissatisfactory Experience"
      0.5 1.0/5 "Really Bad"
      My HDFC credit card experience is not upto the mark, I have activated the auto debit option. My due date falls on 24 of every month, but one day my salary credited got delayed on that same days. Hence they charged Rs. 500, however within few hours my salary got credited in my account but still they didn't give waiver. I am using this account for past 4 to 5 years its good.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 14, 2019
    • HSBC Bank Credit Card
      "Good to hold"
      0.5 5.0/5 "Blown Away!"
      I do have a HSBC credit card and they are great in service and the offers. But the accessibility is bit less but still online banking and the customer service support is good. The credit limit was good amount. It is a life time free credit card. I am having HSBC Gold card and its almost 10 years.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jan 14, 2019
    • ICICI Bank Credit Card
      "Need to improve"
      0.5 4.0/5 "Great!"
      I am having Coral card and using it almost 5 years, Still am not sure about the benefits. It was fine for the basic purpose. The credit limit needs to be better. There is no annual fee. I have contacted the helpline number and it takes bit longer to connect with the representative. There is no hidden charges so far.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Convenient to use"
      0.5 5.0/5 "Blown Away!"
      I do have a credit card with HDFC Bank and its been 3 years now. I am happy with the offers and the credit limit. The customer service is very good. There is no hidden charges. The late payments are also nominal and I can convert the payments into EMI. Most I like it on the card is I can convert the reward points into cash.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jan 14, 2019
    • Bank of Baroda Credit Card
      "Reminder alert should be implement"
      0.5 3.5/5 "Pretty good"
      For the minimum amount due the interest rate is good around 14% in Bank of Baroda credit card, the customer service is good. But there was no message or calls from the bank end about the billing details. My due date 20 days, because of non reminder I just missed my payment. However the credit limit is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 14, 2019
    • IndusInd Bank Credit Card
      "Need lots of improvement"
      0.5 2.0/5 "Expected more"
      I closed the Indusind credit card because the transactions and other charges are very high. The customer service is average for the minimum balance due they have high interest rate around 44% its not fine for me. Therefore I closed my credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Good Card"
      0.5 3.5/5 "Pretty good"
      I hold a HDFC credit card and i have just started using it. I have got a good limit on my card. Its a free life time card with no annual charges. I am getting offer related messages and i am yet to experience the offers. Hope HDFC will serve better..
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 13, 2019
    • Bank Bazaar Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It was the first time experience i had with the services of Bank Bazaar and they had been making a good follow up from starting after i had applied my credit card through them. I had been using the website of them which has been convenient and the process through them was quick.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jan 13, 2019
    • Citibank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had chosen to go with this card since it was better card compared with the other cards. The process in getting this card has been simple and there has not been any delay in getting this card. The credit limit with this card was quite less than expected and there is some annual charges with this card which will get waved off as per the usage.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jan 13, 2019
    • Bank Bazaar Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It was a good experience i had with the services of Bank Bazaar where i had been using the services of them for a while. I had used their web portal which has been convenient and has been easy in using. Their customer support team had also been helpful and has been responsive as well.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jan 13, 2019
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