Dining Credit Cards in India

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.

Updated On - 05 Sep 2025
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Offers on Dining Credit Cards

Use your dining credit card to pay your food bill, and 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:

Know About Dining Credit Cards
  1. Discounts - Customers can avail anywhere between 5% to 40% off on their bill. Each restaurant has different terms and conditions for their offer. You might get a 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.
  2. Complimentary items - At certain restaurants, customers are entitled to complimentary drinks, appetizers or starters. Lounges may also offer complimentary cocktails. Cafes offer complimentary coffee for the dining credit cardholders.
  3. Offers - Partner restaurants also offer buy one get one free deals where customers can get a second dish or drink for free.
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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 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.

  1. 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 the best discounts on your dining credit card and make the most of it.
  2. Accelerated reward points: Dining credit cards also allow cardholders to earn 10 to 15 times more reward points than the regular spends. Besides enjoying the food at a discounted price, you can also have the privilege of earning more reward points in less transactions.
  3. Cashback offers: Another interesting feature of dining credit cards is the cashback offer. If your credit cards offers cash back, a percentage of the dining bill amount will be credited back to your account allowing you to enjoy your favourite food at lesser price.
  4. 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

Here is a list of the top dining credit cards:

Credit Card

Annual Fee

Dining Offers

SBI Card PRIME

Rs.2,999 plus taxes

  1. Earn 10 reward points for every Rs.100 you spend on dining.
  2. Enjoy attractive dining offers and up to 25% off in your city through the American Express Dining Platform.

HDFC Bank Diners Club Privilege credit card

Rs.1,000 plus taxes

  1. Enjoy 5x reward points on Swiggy and Zomato
  2. Get up to 20% discount at over 2,000 partner restaurants via Swiggy Dineout

Axis Bank My Zone Credit Card

Rs.500

  1. Flat Rs.120 off on ordering food at Swiggy two times a month. The discount is valid on a minimum order value of Rs.500.
  2. Receive up to 15% discount at participating restaurants in India under the Dining Delights program.

SBI SimplyCLICK Credit Card

Rs.499

  1. Enjoy 10X rewards on food orders done at Swiggy.
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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 approaching the bank in the 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 processes in detail.

Apply Through Bank's Website

If your credit card issuer is allowing an online application, you can visit the bank website, fill out 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

  1. Visit official website of the credit card issuer
  2. Go to the dining credit card page
  3. Find 'Apply' button and click on it to visit the online application page
  4. 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 the BankBazaar website. Below are instructions to apply for a dining credit card through BankBazaar.

Steps to apply for dining credit card through BankBazaar

  1. Visit BankBazaar at www.bankbazaar.com
  2. From the main menu, select 'Credit Cards'
  3. Select the category as dining and access the list of dining credit cards
  4. Select one card that best suits your needs and click on 'Check Eligibility' option
  5. Enter the details as required to check your eligibility for the selected card
  6. If your profile matches the eligibility criteria set by the bank, you will be redirected to the online application page
  7. On the online application page, fill all the required details and click on 'Submit'
  8. 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 another. 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.

  1. Applicant should be a resident of India
  2. Either salaried or self-employed
  3. Should have a decent credit score (Not applicable for first time borrowers)
  4. 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.

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

FAQs on Dining Credit Cards

  • 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.

  • 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.

  • 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.

  • Are public holidays included for the dining offers?

    Almost all banks and 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 14 February (Valentine's Day) and 31 December (New Year's Eve).

  • 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.

  • Which HDFC credit card has Dineout?

    The Dineout passport membership is offered on various HDFC credit cards like the Infinia credit card, Diners Club Black credit card, Corporate credit card, and more.

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