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    If you have a big appetite for dining out, credit cards can make a world of difference to your wallet. Banks offer dining deals for credit cardholders to encourage them to pay their bills using the card. The cardholder also benefits from using the card by availing a number of discounts at a wide range of partner restaurants and food outlets. Save on your food bills with discounts, deals, offers and freebies at a wide range of restaurants all over the country and across the globe.

    Dining Offers on Credit Cards:

    By paying for your food bill using your credit card, you can save money depending on what your bank offers. Most banks partner with restaurants, pubs, food chains and outlets to offer the following:

    • Discounts - Customers can avail of 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.
    • Complimentary items- At certain restaurants, customers are entitled to a complimentary drink, appetizer or a starter. Lounges may also offer complimentary cocktails. Cafes offer complimentary coffee.
    • Offers - Partner restaurants also offer buy one get one free deals where customers can get a second dish or drink on the house.

    Top Banks offering Dining Offers on Credit Cards:


    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 the following cities.

    • Delhi/NCR
    • Ahmedabad
    • Bengaluru
    • Mumbai
    • Pune
    • 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. All Citibank credit cards are eligible to participate in the dining offers except the corporate credit cards.

    ICICI Bank

    ICICI bank offers a dining programme called Culinary Treats for all its credit cardholders. Under this programme, customers can avail of offers at over 800 restaurants in India. All credit cards are eligible to participate in the Culinary Treats programme. Simply inform the waiter that you wish to avail the offer by paying with your ICICI Bank credit card.

    State Restaurants
    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 credit card. The partner restaurants serve up cuisines that include the following

    • Cafe, Fast Food, Burger,
    • Italian, Pizza
    • Sizzlers
    • American
    • Continental
    • Seafood
    • Oriental
    • Pan Asian
    • Multi Cuisine
    • World Cuisine
    • European
    • Chinese
    • Gujarati, Rajasthani,
    • Bengali
    • Lucknowi
    • Maharashtrian
    • Mughlai
    • Parsi
    • North Indian
    • South Indian
    • Kerala
    • Lounge

    HDFC Bank

    HDFC Bank offers dining privileges on select cards. Customers can avail of a minimum 15% off on their food bill. Credit cards are also entitled to earn accelerated reward points on dining spends on their credit cards. 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:

    • HDFC Bank Infinia Credit Card
    • HDFC Bank Regalia Credit Card
    • JetPrivilege HDFC Bank Diners Club Credit Card
    • HDFC Bank Platinum Times Credit Card
    • HDFC Bank Titanium Times Credit Card
    • Snapdeal HDFC Bank Credit Card

    The following list of cards are entitled to earn accelerated reward points on their dining spends.

    • HDFC Bank Doctor’s Superia Credit Card
    • HDFC Bank Superia Credit Card
    • HDFC Bank Platinum Edge Credit Card
    • HDFC Bank Titanium Edge Credit Card
    • HDFC Bank Solitaire Credit Card

    American Express

    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 Offer 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 following cities:

    • Bengaluru
    • Delhi/NCR
    • Chennai
    • 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.

    • 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.


    1. 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.

    2. 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.

    3. How do I avail of dining offers?

      To avail of 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.

    4. Are public holidays included for the dining offers?

      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..

    5. 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.

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