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?

    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
      "Good card"
      0.5 5.0/5 "Blown Away!"
      Recently applied for INDUSIND BANK PLATINUM AURA EDGE CREDIT CARD, they have not charged me annual fee, the credit limit which they have given to me was good, there was no specific reason behind choosing this card, the card came on time, the process of getting credit card was good.
      Was this review helpful? 1
      , new delhi
      Reviewed on Apr 20, 2019
    • ICICI Bank Credit Card
      "Good Credit Card"
      0.5 5.0/5 "Blown Away!"
      ICICI gives good support to the customer, but the charges are bit higher for the late payment. The credit limit is very sufficient, I am using this card around 1.5 year. Whenever I use my card they are providing the points for fuel purpose its good.
      Was this review helpful? 0
      , virudhunagar
      Reviewed on Apr 20, 2019
    • Bank Bazaar Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Since registered member of Bank bazaar i was aware about this website .Need to aware of the current situation from bank end .whether customer is applying for any product communication should be transparent and should not miss guide anything beyond the process.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • Citibank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have been using the credit card with the CITI BANK where they have given the good offers also the customer service good with this bank as they are responsive and the card service is good without any hassle process. There is a EMI option with this card.
      Was this review helpful? 1
      , pune
      Reviewed on Apr 20, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold ICICI bank credit card from long time, they have not charged me annual fee, i am happy with the credit limit which they have given to me good credit limit, i am happy with their service, they use give good offers in shopping, movie tickets etc.
      Was this review helpful? 1
      , mumbai
      Reviewed on Apr 20, 2019
    • IndusInd Bank Credit Card
      "Not Satisfied with the Service"
      0.5 3.0/5 "Satisfactory"
      I have applied for Indusind Bank Credit card .The agent gave the required details and not faced any issue.This is a free card but after that paid the charge of Rs.900. This was not informed earlier .The Bank agent not gave the relevant details about the charges.I was not satisfied with the service provided by the bank .Other than that it was ok.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • YES Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      The process of getting the YES BANK credit card is simple and easy also the card has the good credit limit along with that it is hassle free to use. It has the offers like rewards points, cash backs, online purchase. The card is good card to use.
      Was this review helpful? 1
      , pune
      Reviewed on Apr 20, 2019
    • ICICI Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I have taken the credit card with the ICICI BANK and the card limit is good i have been using the card since from last few years and the documentation process was simple with fast to get the credit card. There was satisfactory offers with this credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2019
    • Standard Chartered Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I took Standard chartered bank credit card, They have not been charging me annual fee, the credit limit which they have given to me was good, they have given me limit on based on my expectation, their mobile application is user friendly , so far experience was good with this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I use Kotak mahindra bank credit card from long time, They have been charging me annual fee but waiver option is available , i am happy with the credit limit which they have given to me, they use to give good offers in airport lounge, their service was prompt, my experience with this card was good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • SBI Cards Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I am holding the credit card with the SBI CARD the credit limit with this card is satisfactory also the card is user friendly to access. I am getting the offers but i am using it also the card has the EMI conversion option it is easy to convert the payment.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2019
    • HSBC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      HSBC credit card service is good, they use to give give good offers, like based on my requirement i take offers whenever i get, they have not charged me annual fee, their customer care service is good , they response me well, they use to give good credit limit.
      Was this review helpful? 1
      , mumbai
      Reviewed on Apr 20, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold HDFC bank credit card for an while, They haver given me good credit limit based on my requirement, they did not charged me annual fee, their service is good, they did not charged me any hidden charges, i can easily transfer into emi option whenever i want, their overall service is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • Citibank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold CITI bank credit card from longtime, they have charged me annual fee , but waiver option is not available , the credit limit which they have given to me was good, they use to do good transaction, their offers are good, they use to give good cash back and discounts everytime.
      Was this review helpful? 1
      , mumbai
      Reviewed on Apr 20, 2019
    • Axis Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I hold Axis bank credit card from long time, They have not charged me annual fee, the credit limit which they have given to me was good, but i am not happy with their service, their service is not that up to the mark, their customer care should be improved, there is no issue with card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • IndusInd Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I applied for Indusind bank credit card recently. The process of getting card was simple and easy, the card came on time, the reason behind choosing this card is for their offers they use to give good offers in movie tickets every 1+1 movie tickets every month they give. I am happy with the credit limit which they have given to me.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this HDFC Bank Credit Card for the past 4 years.The credit limit was good and i have directly applied with the bank.There was good cashback offers and reward points .There was no difficulties faced so far .I have received the credit card on time .The service is good to me so far.
      Was this review helpful? 1
      , new delhi
      Reviewed on Apr 20, 2019
    • Kotak Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am also using Kotak credit card and got reward points and I donâ??t know how to redeem my points and this information is not provided on the mobile app too.The customer service is okay and even the branch response was prompt. I think, they do charge annual fee of Rs.500.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 20, 2019
    • IndusInd Bank Credit Card
      "AVERAGE"
      0.5 4.0/5 "Great!"
      They have given the good offers so i have taken the credit card with the INDUSIND BANK. The documentation process was good but there was delay to get the card which is twenty days. The credit limit is good and satisfactory and it is a life time free card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 20, 2019
    • Bank Bazaar Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have no issues with Bank Bazaar and its been a good experience. I have installed the mobile application to check the credit score then it is easy to apply the card according to the offers. I have been using it for long time. The executive explained the details very clearly about the product.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 20, 2019
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