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.
HDFC Bank Doctor’s Superia Credit Card
Joining Fee
₹1000 + Tax
Renewal Fee
₹1000 + Tax
Best
Suited For
Fuel | Dining | Reward Points
Reward
Type
Reward Points
Welcome Benefits
Earn 1,000 reward points.
- 1,000 welcome points and 1,000 renewal points
- Earn 3 reward points for every ₹150 spent, 50% extra points at select restaurants
- Professional indemnity insurance up to ₹20 lakh
- 1% fuel surcharge waiver on transactions of ₹400–₹5,000 (max ₹250 per statement)
- Convert 667 reward points into 100 air miles
- Annual fee waived on spending ₹1 lakh in a year
- Up to 50 interest-free days and access to revolving credit
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
Vouchers worth up to Rs. 60,000 on spending Rs. 50,000 in first two months of card membership and on payment of annual fee.
- Premium lifestyle and travel credit card.
- Unlimited airport lounge access (domestic & international).
- Complimentary hotel memberships and elite status with top hotel chains.
- Golf games and lessons at 80+ golf courses worldwide.
- Exclusive dining discounts with EazyDiner Prime Membership.
- 24×7 Platinum Concierge for travel, dining, and event bookings.
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.
HDFC Bank Diners ClubMiles Credit Card
Joining Fee
₹1000 + Tax
Renewal Fee
₹1000 + Tax
Best
Suited For
Dining | Reward Points | Airport Lounge Access
Reward
Type
Reward Points
Welcome Benefits
- Earn 4 Reward Points on every ₹150 spent (1 RP = 1 Air Mile or ₹0.50)
- Redeem points with leading airlines like British Airways, InterMiles, KrisFlyer, and Club Vistara
- Enjoy 6 complimentary airport lounge visits at 1,000+ lounges worldwide
- Get up to 15% discount at 1,400+ premium restaurants globally
- Convert reward points into air miles for easy travel redemptions
- Annual fee waived on spends of ₹1 lakh in a calendar year
- Travel concierge service for flight, hotel, and dining bookings
- Insurance coverage including ₹1 crore air accident cover, ₹25 lakh emergency medical cover, ₹9 lakh credit liability, and ₹50,000 baggage delay cover
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
You can earn 10,000 bonus Membership Rewards points as a welcome benefit by spending Rs. 15,000 within 90 days of card membership.
- Welcome benefit of 10,000 Membership Reward Points (redeemable for travel vouchers).
- Travel milestone benefits – Taj voucher worth ₹10,000 on annual spends of ₹4 Lakh.
- Value-back on spends through Membership Reward Points.
- Redeem points for flights, hotels, or shopping via Amex Travel portal.
- Domestic travel-focused benefits, ideal for frequent Indian travelers.
- Complimentary access to airport lounges in India.
- Annual fee offset with milestone rewards and travel vouchers.
- Additional rewards on reaching higher annual spending thresholds.
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
Joining fee reversal on spending Rs. 25,000 within the first 60 days of card issuance.
- 15 reward points on dining, travel, and international spends; 3 points on other purchases
- Joining fee waived on Rs. 25,000 spend in 60 days; annual fee waived on Rs. 2.5 lakh spend
- 1% fuel surcharge waiver (up to Rs. 250/month)
- Free memberships: Amazon Prime, Disney+ Hotstar, Gaana Plus, Swiggy One, Fitpass Pro
- Low 2% forex fees
- Unlimited domestic lounge access
- Quarterly discounts on Nykaa, Flipkart, Myntra, BookMyShow, BigBasket, and Lakmé Salon
- Complimentary women’s health packages
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
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
- Earn 2 reward points for every Rs. 150 spent.
- Get 50% extra reward points on dining at premium restaurants.
- Redeem reward points to pay credit card bills (100 points = Rs. 10).
- Convert reward points to air miles or use them for vouchers and merchandise via HDFC Rewards Catalogue.
- Fuel surcharge waiver up to Rs. 250 per billing cycle, unlimited transactions.
- Annual fee of Rs. 500 waived on spending Rs. 50,000 in a year.
InterMiles ICICI Bank Sapphiro Credit Card
Joining Fee
₹5000 + Tax
Renewal Fee
₹5000 + Tax
Best
Suited For
Dining | Entertainment | Airport Lounge Access
Reward
Type
Reward Points
Welcome Benefits
Exclusive flight discount voucher worth Rs. 750 and hotel discount voucher worth Rs.1,500 as welcome benefit.
- 10,000 Welcome Bonus InterMiles
- 5,000 Renewal Bonus InterMiles
- Free movie tickets
- 15% discount on dining at partner restaurants
- Complimentary golf rounds
- 1% fuel surcharge waiver at all fuel stations
- Complimentary DragonPass membership for airport lounges
- Earn up to 12.5 InterMiles for every Rs. 100 spent
- 24×7 premium concierge service via i-Assist