Best Dining Credit Cards in 2025
If you love eating out or are a foodie, a dining credit card can help you save more on your restaurant bills. The right card can get you discounts, free memberships, and special dining offers at partner restaurants. But with so many options available, choosing the best one can be confusing. To make it easier for you, here is a list of the best dining credit cards in India that offer great value and savings on your dining expenses.
AU Bank InstaPay Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Best
Suited For
Fuel | Dining | Cashback
Reward
Type
Cashback
Welcome Benefits
- 1% cashback on UPI spends in key categories like dining, groceries, pharmacies & departmental stores (max ₹100 per cycle).
- 1% fuel surcharge waiver on ₹400–₹5,000 transactions (up to ₹100 per cycle).
- Scan & pay instantly via any merchant QR code using your preferred UPI app.
- Lifetime free, virtual-only credit card.
- Up to 48 days interest-free credit period.
- Accepted worldwide at millions of merchants and ATMs.
HDFC Regalia Credit Card
Joining Fee
₹2500 + Tax
Renewal Fee
₹2500 + Tax
Best
Suited For
Fuel | Dining | Airport Lounge Access
Reward
Type
Reward Points
Welcome Benefits
N/A
- Earn 10,000 reward points when you spend Rs. 5 lakh or more in an anniversary year.
- Get up to 15% discount on dining at partner restaurants.
- Accelerated rewards to help you earn points faster on your spends.
- Redeem your reward points for exclusive gifts and offers available only for Regalia cardholders.
- Enjoy up to 50 days of interest-free credit on purchases.
- Benefit from a low foreign currency mark-up fee of just 2% when using your card abroad.
Kotak 811 Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
Best
Suited For
Shopping | Dining | Reward Points
Reward
Type
Reward Points
Welcome Benefits
American Express Platinum Credit Card
Joining Fee
₹66000 + Tax
Renewal Fee
₹66000 + Tax
Best
Suited For
Dining | Reward Points | Airport Lounge Access
Reward
Type
Reward Points
Welcome Benefits
IDFC FIRST EARN Credit Card
Joining Fee
₹499 + Tax
Renewal Fee
₹499 + Tax
Best
Suited For
Dining | Cashback
Reward
Type
Reward Points
Welcome Benefits
Get 100% cashback (up to Rs. 500) on your first UPI spend and 5% cashback (up to Rs. 1,000) on your first EMI transaction.
- Secured digital credit card issued against an FD of just Rs. 5,000
- Cashback on all spends, including UPI transactions
- 1% cashback on UPI via IDFC FIRST app, 0.5% cashback on other spends
- Bonus cashback: Up to 8.5% on hotel bookings and 4.5% on flights via IDFC app
- EMI option available for UPI spends above Rs. 2,500
- Annual cashback benefit of up to Rs. 200 on UPI spends after fee payment
HDFC Diners Club Privilege Credit Card
Joining Fee
₹2500 + Tax
Renewal Fee
₹2500 + Tax
Best
Suited For
Dining | Entertainment | Reward Points
Reward
Type
Reward Points
Welcome Benefits
Get free memberships like Amazon Prime, Swiggy One, and more on spending ₹75,000 within 90 days of card issuance.
- Transactions not eligible for reward points: Fuel, cash advances, payment of outstanding balance, card fees & charges, and Smart EMI/Dial an EMI.
- Reward caps:
- Insurance, utility, and telecom spends – maximum 2,000 reward points per day (per category).
- Grocery spends – maximum 2,000 reward points per calendar month.
- Overall monthly cap – 50,000 reward points per statement cycle.
- Zomato & Swiggy 5X Rewards:
- Out of 5X, the extra 4X is capped at 2,500 reward points per month.
- Remaining 1X rewards have no cap.
- Applicable only on minimum transactions of ₹150.
- Reward Redemption Rules:
- Maximum 70% of travel bookings (flights, hotels, experiences) can be paid via reward points, capped at 50,000 points/month.
- Cashback redemption against statement balance capped at 50,000 points/month.
- Activation Benefit: Available only on spends of ₹75,000 within 90 days of card issuance.
American Express Platinum Travel Credit Card
Joining Fee
₹5000 + Tax
Renewal Fee
₹5000 + Tax
Best
Suited For
Dining | Reward Points | Airport Lounge Access
Reward
Type
Reward Points
Welcome Benefits
Bank of Baroda Tiara Credit Card
Joining Fee
₹2499 + Tax
Renewal Fee
₹2499 + Tax
Best
Suited For
Dining | Reward Points | Airport Lounge Access
Reward
Type
Reward Points
Welcome Benefits
HDFC MoneyBack+ Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
Best
Suited For
Dining | Reward Points | Entry-Level
Reward
Type
Reward Points
Welcome Benefits
500 CashPoints on spending ₹5,000 within 90 days of card issuance
- Welcome Benefit: 500 CashPoints on card activation.
- EMI Rewards: Earn 5X CashPoints on EMI payments at select merchant stores.
- Everyday Spends: Get 2 CashPoints per ₹150 spent (excluding fuel, wallet reloads, vouchers, and prepaid card reloads).
- Partner Brands: Enjoy 10X CashPoints on purchases at Amazon, Flipkart, BigBasket, Swiggy, and Reliance Smart SuperStore.
- Dining Offers: Up to 15% discount at 2,000+ partner restaurants across India.
HDFC Platinum Times Credit Card
Joining Fee
₹1000 + Tax
Renewal Fee
₹1000 + Tax
Best
Suited For
Dining | Entertainment | Reward Points
Reward
Type
Reward Points
Welcome Benefits
Get joining benefits of vouchers worth Rs. 5,000 for shopping, dining, and more.
- Buy 1 Get 1 Free movie tickets (up to ₹250/month) via BookMyShow
- Up to 25% off on dining bills at select restaurants via Dineout or partner networks
- Exclusive lifestyle discounts (spa, salon, shopping)
- Spend-based renewal fee waiver
- Accepted widely across India for lifestyle purchases
Flipkart Axis Bank Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
Best
Suited For
Shopping | Dining | Cashback
Reward
Type
Reward Points
Welcome Benefits
ICICI Coral Credit Card
Joining Fee
₹500 + Tax
Renewal Fee
₹500 + Tax
Best
Suited For
Dining | Entertainment | Reward Points
Reward
Type
Reward Points
Welcome Benefits
AU Bank Zenith Credit Card
Joining Fee
₹7999 + Tax
Renewal Fee
₹7999 + Tax
Best
Suited For
Fuel | Dining | Reward Points
Reward
Type
Reward Points
Welcome Benefits
Get ₹1,000 vouchers from partner brands on your first retail transaction.
- 10,000 bonus reward points on spending ₹1 lakh within the first 60 days.
- Earn 20 reward points per ₹100 spent on dining.
- 4 complimentary domestic airport lounge visits every calendar quarter.
- Air accident cover of ₹2 crore for enhanced travel protection.
HDFC Bank Platinum Edge Credit Card
Joining Fee
₹1000 + Tax
Renewal Fee
₹1000 + Tax
Best
Suited For
Fuel | Dining | Reward Points
Reward
Type
Reward Points
Welcome Benefits
Bank of Baroda Select Credit Card
Joining Fee
₹750 + Tax
Renewal Fee
₹750 + Tax
Best
Suited For
Fuel | Dining | Reward Points
Reward
Type
Reward Points
Welcome Benefits