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  • Dining Credit Cards in India

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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

    • SBI Cards Credit Card
      "Very Nice card"
      0.5 5.0/5 "Blown Away!"
      I feel SBI is more secured when compared to other banks so that I prefer this credit card. The reward points are good when I'm dining in a restaurants. I am using this card for around 1.5 months. I'm comfortable with the bill cycle and due date. I have not received any offer messages yet, but I am getting message only for EMI option so if I do transaction less than 2K also there is option for conversion. So I am happy for that alone.
      Was this review helpful? 0
      , mohali
      Reviewed on Jan 24, 2020
    • IndusInd Bank
      IndusInd Bank Credit Card
      "Good servcie"
      0.5 5.0/5 "Blown Away!"
      INDUSIND bank service is good and received the card with in 5 days. It is a life time free credit card. The bank offered me with the good limit around 50K. I am getting rewards benefits , dining, cash back and more and also i have utilized that over all it is a good bank.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 24, 2020
    • SBI Cards Credit Card
      "Good bank"
      0.5 5.0/5 "Blown Away!"
      I am using SBI simply save credit card for last 7 months. I'm getting rewards points, fuel surcharges , shopping and dining benefits. I never faced any trouble on this card since i pay the bills on time. This application is very simple to access.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 23, 2020
    • ICICI Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI coral credit card more than 6 months. This is a life time free card and also they given very less credit limit, need to increase the limit. I contacted, they said future it will get increase. I'm getting reward on movie, restaurant. They gave me a credit limit of Rs. 20,000 and no annual fee for this card.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "Best Card"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card for last 4 years and they have provided me FBB style up credit card. I'm getting rewards points, fuel surcharges waiver and dining benefits. I never faced any trouble on this card since i pay the bills on time. This app is easy to access.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 21, 2020
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have applied SBI credit card through online and received the card with in 15 days. The executive was very responsive. Bank has offered with the credit limit of around 97K, which is sufficient. I use this card mostly for fuel and dining, I get good cash back on it.
      Was this review helpful? 0
      , patiala
      Reviewed on Jan 21, 2020
    • IndusInd Bank Credit Card
      "Satisfactory "
      0.5 5.0/5 "Blown Away!"
      INDUSIND bank has offered a credit card. Annual fee charge Rs. 900 one time charges that to if I spend 25k within a year fee will be wavier off. Credit limit is Rs. 50k, usually i get airport lounge benefits in a year twice i will travel. I use cash back offer and also i am getting restaurant benefits, online shopping. I am using this card since 2 months. Every month I am getting reminder call through Email.
      Was this review helpful? 0
      , mohali
      Reviewed on Jan 12, 2020
    • SBI Cards Credit Card
      "Good card for all purposes"
      0.5 4.0/5 "Great!"
      I am holding SBI card for more than 1 year which was applied through an other channel. It is an annual fee chargeable of 500 rupees but there is an option for a waiver off if I spend 2.5L within a year. EMI conversion is avail and charges are high. I use this card for fuel and restaurant purpose based on usage I get reward points.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 10, 2020
    • HDFC Bank Credit Card
      "This card will not fulfill the requirement"
      0.5 5.0/5 "Blown Away!"
      HDFC credit card service was fine. They have provided me a credit card which has only 14 digit pin instead of 16 digit hence i am unable to make the payment in LIC and the card is not accessible in some of the POS machines. Since this is a Diner's clubmiles card, the number will be 14 digit only. There is no much benefits available except dining which doesn't fulfill my needs.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 05, 2020
    • HDFC Bank Credit Card
      "Good card for fuel purpose "
      0.5 5.0/5 "Blown Away!"
      I am holding HDFC bank credit card for more than 2- 3 months. I have applied to bank directly. They have provided the credit limit of 45K. It is annual fee chargeable of 499 plus GST. EMI conversion is avail and charges are okay. They provide good offers, which I can spend 50 liters of fuel is free for one year and for dining purpose I get good cash back. I use this card for retail shopping.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 31, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank is a good service, the process was good. I have taken a credit card on 3 years ago which was applied through bank directly. The credit limit of 70K is good. It is a life time free card. I get one plus one free movie tickets, airport lounges free and good discount. EMI conversion is applicable and charges are prompt. I use for dining, groceries and fuel purpose. It is regalia card.
      Was this review helpful? 0
      , jaipur
      Reviewed on Dec 29, 2019
    • Axis Bank Credit Card
      "good service"
      0.5 5.0/5 "Blown Away!"
      I am using AXIS BANK credit card for past 5 years. The late payment charges are very high. EMI conversion options are available at the rate of interest of 14%. I get good reward points. I get discount on restaurant and flight ticket booking. Customer support response is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 23, 2019
    • HSBC Bank Credit Card
      "Brand value"
      0.5 4.0/5 "Great!"
      I am using HSBC credit card for more than 7 years and am an employee of HSBC, they given me a life time free card. Credit limit is really good. I am getting buy 1 get 1 movie ticket free this can be used only on Saturday cap limit of Rs. 250 and also i am getting restaurant offers like 10% discount on every time dining. I do have a reward program where that i can redeem and Customer service is some what okay.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 19, 2019
    • HDFC Bank Credit Card
      "Very good card"
      0.5 5.0/5 "Blown Away!"
      I have a HDFC credit card which was taken through bank directly. I am using it for the past 4 years. Annual charges for this card is Rs. 700 and i am getting discounts on dinner, restaurant ,vouchers from book my show, getting good reward points as well as cash back offers .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 17, 2019
    • Axis Bank Credit Card
      "Great card"
      0.5 5.0/5 "Blown Away!"
      I'm using AXIS Bank my zone credit card for the past 6 to 7 years and their customer care service is really fine. I need not to pay the annual fee for this card.This card has many benefits like reward points, restaurant ,movie ticket offer, discounts in shopping malls and also i am getting offer in reliance fresh , big bazaar,airport lounge benefits and 1 flight ticket free.
      Was this review helpful? 2
      , chennai
      Reviewed on Dec 11, 2019
    • HSBC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I applied for HSBC BANK credit card through online and received the card with in a week. The process was very smooth. It is a life time free card. I get reward points on fuel, dining and shopping. I am happy with the credit limit offered from bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 09, 2019
    • ICICI Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I am using ICICI credit card for past 2 months. Credit limit is high and very happy with it. I get free domestic airport lounges, 15% discounts on some restaurants and dining. For First year the card is chargeable, further it is a free credit card.
      Was this review helpful? 0
      , kannur
      Reviewed on Dec 09, 2019
    • ICICI Bank Credit Card
      "Good card for shopping purpose"
      0.5 5.0/5 "Blown Away!"
      I am holding ICICI bank credit card for more than one year. I had applied through bank directly. It is a life time free card and the credit limit was okay of 20K. They have called me to provide other details but I have asked them to enhance the limit, I need to wait for 1-3 months. I get one plus one free movie ticket in book my show and dining offers as well. Based on the usage I get cash back . Mostly I spend for shopping. It is a coral card .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 08, 2019
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am using SBI SIMPLY CLICK credit card more than 6 years. Credit limit was sufficient. This can be use for shopping, groceries, restaurant, and i am getting reward points also. This was a free card and also customer service was good. I am getting credit card statement via Email.
      Was this review helpful? 1
      , hindupur
      Reviewed on Nov 28, 2019
    • HDFC Bank Credit Card
      "Excellent service"
      0.5 4.0/5 "Great!"
      I am using HDFC BANK credit card for past 5 to 6 years. It is a life time free card. Credit limit is around 1.5L which is good. I get more reward points on dining and travel. For 1 points they are providing 50 paise. I get immediate and good response from bank. EMI conversion options are available and I also get instant loan.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 26, 2019
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