Dining out is a treat for many, and the joy of enjoying a great meal becomes even better when you can earn rewards or discounts on your spending. In India, several credit cards are specifically designed to reward customers for dining experiences. Whether you’re a foodie who loves visiting restaurants, or someone who enjoys a quick meal at a café, certain credit cards offer great perks that make dining out more affordable.
In this article, we’ll guide you through the best credit cards for dining out in India. These cards not only provide rewards for restaurant spends but also come with additional benefits like cashback and discounts.
Best Credit Cards for Dining Out
Here are some of the best credit cards you can consider if you frequently dine out in India:
SBI Card ELITE
The SBI Card ELITE is one of the top choices for those who want to make the most of their dining experiences. This premium credit card offers impressive rewards, including 5X rewards on dining spends. Additionally, cardholders enjoy exclusive access to over 1,000 airport lounges across India and abroad. The card also offers a range of benefits for shopping, entertainment, and more.
Key Benefits:
- 5X reward points on dining spends.
- Complimentary access to airport lounges.
- Discounts on movie tickets and other lifestyle benefits.
Annual Fee: ₹4,999 (waived on spending a specific amount).
HDFC Bank Diners Club Black Card
As the name suggests, this card is designed for those who love dining out. The HDFC Bank Diners Club Black Card offers premium benefits, including 2% cashback on dining spends. The card also comes with 24/7 concierge services, making it a great choice for high-end dining experiences. Whether you’re dining at luxury restaurants or casual eateries, this card makes sure you get rewards for every meal.
Key Benefits:
- 2% cashback on dining purchases.
- Access to premium lounges and exclusive events.
- Personalized concierge services.
Annual Fee: ₹10,000 (waived on high spending).
ICICI Bank Coral Credit Card
If you’re looking for a more affordable option, the ICICI Bank Coral Credit Card is an excellent choice. This card offers 2 ICICI reward points for every ₹100 spent on dining, which can be redeemed for a variety of rewards. It also provides discounts at select restaurants and food outlets. This is a good card for those who enjoy casual dining and want to earn rewards without paying a high annual fee.
Key Benefits:
- 2 reward points on every ₹100 spent on dining.
- Discounts at select restaurants.
- Airport lounge access.
Annual Fee: ₹500 (waived on reaching a spending threshold).
American Express Platinum Travel Card
The American Express Platinum Travel Card is ideal for those who enjoy fine dining while traveling. It offers exceptional benefits at top-tier restaurants and earns you reward points for every meal you enjoy. Cardholders get 2 membership rewards points for every ₹100 spent on dining, and there are special dining offers available at high-end restaurants.
This card is also packed with travel benefits like hotel and flight discounts, making it a great all-rounder for dining out and travel enthusiasts.
Key Benefits:
- 2 Membership Rewards points for every ₹100 spent on dining.
- Access to exclusive dining offers.
- Travel benefits, including discounts on hotel stays and flight bookings.
Annual Fee: ₹5,000 (waived on spending a specific amount).
Axis Bank Flipkart Axis Bank Credit Card
If you’re a regular shopper who also enjoys dining out, the Axis Bank Flipkart Axis Bank Credit Card is a great option. It offers 5% cashback on dining spends when used at partner restaurants. Along with dining rewards, you can also enjoy discounts on Flipkart and Myntra purchases. This card is perfect for someone who spends a significant amount on food and shopping.
Key Benefits:
- 5% cashback on dining spends at partner restaurants.
- Discounts on shopping at Flipkart and Myntra.
- 4% cashback on preferred categories like groceries.
Annual Fee: ₹500 (waived on high spending).
RBL Bank Platinum Maxima Credit Card
The RBL Bank Platinum Maxima Credit Card is designed to reward you for every dining experience. This card offers 2 reward points for every ₹100 spent on dining. RBL Bank has partnered with popular restaurant chains and offers exclusive discounts to cardholders. Whether you prefer quick bites or fine dining, this card gives you great value for your spending.
Key Benefits:
- 2 reward points for every ₹100 spent on dining.
- Exclusive discounts at top restaurants.
- Access to airport lounges.
Annual Fee: ₹999 (waived on spending a specific amount).
Standard Chartered Manhattan Platinum Credit Card
The Standard Chartered Manhattan Platinum Credit Card is another great option for dining enthusiasts. This card offers 5% cashback on dining spends, making it one of the best credit cards for foodies. Additionally, cardholders can earn 3 reward points for every ₹150 spent on groceries and supermarkets, which can be redeemed for vouchers or cashback.
Key Benefits:
- 5% cashback on dining spends.
- 3 reward points on every ₹150 spent on groceries and supermarkets.
- Easy redemption of rewards for shopping vouchers.
Annual Fee: ₹999 (waived on high spending).
How To Choose the Right Credit Card for Dining Out
While all of the cards listed above are great choices for dining out, it’s important to select one that matches your spending habits. Here are some factors to consider:
- Rewards and Cashback: Look for a card that offers high reward points or cashback specifically for dining expenses.
- Annual Fee: Check the annual fee of the card. Some cards may offer rewards but come with high annual charges, while others might offer waivers based on spending.
- Additional Benefits: Consider the other benefits offered by the card, such as access to airport lounges, concierge services, or discounts on other purchases.
- Partner Restaurants: Some cards offer higher rewards when used at partner restaurants. Make sure your favorite restaurants are included.
Also Read: Best Credit Cards for Cashback Offers in India
Conclusion
The best credit cards for dining out in India provide a combination of rewards, cashback, and additional benefits that make your dining experience more enjoyable and affordable. Whether you’re a frequent diner or someone who enjoys occasional meals out, there is a credit card to suit your needs. Choose the one that offers the most value for your lifestyle, and start enjoying great meals with added perks today.