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Good food has the power to cure all. That’s why having a dining credit card can be a much-needed and necessary investment. Nowadays, weekend dining or ordering food from online platforms like Swiggy and Zomato has become quite common. However, we often have to face surging food delivery prices and high costs. But you can avoid these extra expenses by using specific credit cards designed for food delivery platforms and luxury dining experiences. These credit cards offer discounts and offers that can help you save money on your expenses made through online food platforms. Additionally, you can even pay your dine-in bills with these credit cards through popular apps like Swiggy and Zomato.

Imagine you go out for dinner with your family, and after finishing your meal, you receive the bill, which is ₹7,000. If you don’t have a credit card, you’ll have to pay the total amount. However, if you have the right credit card, you can easily get a discount of up to 15%, 20%, or even 50% on your bill. Our article on the best credit cards for food and dining can help you achieve this. With our list, you can save a significant amount of money on your next dining or food-ordering experience.

Best Credit Cards for Food Ordering and Dining

Table of Contents

List of Top Food and Dining Credit Cards in India

Start saving on your every meal and dining experience with a suitable credit card. Here are our top credit card picks in India’s food and dining category.

EazyDiner Indusind Bank Credit Card

(4.5/5)

Fees

Joining Fee

Rs. 1,999 + GST

Renewal Fee

Rs. 1,999 + GST

Best Suited For

Food

Reward Type

Reward Points

Welcome Benefits

2,000 bonus RPs and complimentary membership of EazyDiner Prime.
Swiggy HDFC Bank Credit Card

(4.6/5)

Fees

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Dining

Reward Type

Cashback

Welcome Benefits

Complimentary 3-Month Swiggy One Membership
EazyDiner IndusInd Bank Platinum Credit Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Food

Reward Type

Reward Points

Welcome Benefits

3-Month EazyDiner Prime Membership and 500 Bonus EazyPoints
Axis Bank MY ZONE Credit Card

(4.6/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Movies

Reward Type

Reward Points

Welcome Benefits

Free SonyLiv annual subscription worth Rs. 999.
HDFC-Diners-Club-Privilege

(4.5/5)

Fees

Joining Fee

Rs. 2,500 + GST

Renewal Fee

Rs. 2,500 + GST

Best Suited For

Movies

Reward Type

Reward Points

Welcome Benefits

Complimentary Membership of Swiggy One & Times Prime
AU Lit Horizontal card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Movies

Reward Type

Reward Points

Welcome Benefits

NIL
HDFC Bank Millennia Credit Card

(4.8/5)

Fees

Joining Fee

Rs. 1,000 + GST

Renewal Fee

Rs. 1,000 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

1,000 CashPoints as a Welcome Benefit.
SBI Prime Credit Card

(4.4/5)

Fees

Joining Fee

Rs. 2,999 + GST

Renewal Fee

Rs. 2,999 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Gift voucher (worth Rs. 3,000) from any of these brands, Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, and Pantaloons.

Compare Credit Cards for Discounts and Offers on Food

Credit Cards Annual Charges Offers on Dining Offers on Online Food Ordering Complimentary Memberships
EazyDiner IndusInd Bank Credit Card ₹1,999 + GST -25% Off With Free EazyDiner Membership

-Additional 25% Off Upto ₹1,000 (Via PayEazy)

-Complimentary Premium Beverage

Nil Free 12-Month EazyDiner Prime Membership
Swiggy HDFC Bank Credit Card ₹500 + GST Nil 10% Cashback on Swiggy Complimentary 3-Month Swiggy One Membership
EazyDiner IndusInd Bank Platinum Credit Card Lifetime Free 25% Discount With EazyDiner and Additional Instant 20% off Dining Bill (Up to ₹500) Nil 3-Month EazyDiner Prime Membership
Axis My Zone Credit Card ₹500 + GST 15% Discount Upto ₹500 Via Axis Bank Dining Delights ₹120 Off on Swiggy N/A
HDFC Diners Club Privilege Credit Card ₹2,500 + GST 20% Off on Restaurant Bills Via Swiggy Dineout 5X Reward Points on Swiggy and Zomato Free 12-Month Swiggy One Membership
AU Bank LIT Credit Card Lifetime Free 5% Cashback on Dining Spends (Maximum ₹5,000) Nil N/A
HDFC Bank Millennia Credit Card ₹1,000 + GST 20% Off on Restaurant Bills Via Swiggy Dineout 5% Cashback on Swiggy and Zomato N/A
SBI Prime Credit Card ₹2,999 + GST 10 Reward Points for Dining Nil N/A

Review of Dining Credit Cards in India

Let us review all the main features of some of the top dining credit cards in India. With our review of all these features and benefits, you can easily make the right choice when choosing your credit card.

EazyDiner IndusInd Bank Credit Card

IndusInd Bank launched an exciting credit card in collaboration with EazyDiner, a popular online app for dining and table reservations. The card offers cardholders 2,000 bonus rewards and a complimentary EazyDiner Prime membership that automatically gets renewed every year as a welcome benefit. You can earn a decent reward rate on every category of spend and also get accelerated points for dining transactions made through the EazyDiner app.

  • Get a 25% discount on your dining bills when you pay through Payeazy on the EazyDiner app (EazyDiner Membership Benefit).
  • Get an additional 25% discount by paying your bills using EazyDiner IndusInd Bank Credit Card via PayEazy on the EazyDiner app. However, the extra discount is not applicable on consecutive transactions made within 120 minutes at the same restaurant.

Also Check Out – IndusInd Bank EazyDiner Signature Vs Platinum Credit Card

EazyDiner IndusInd Bank Platinum Credit Card

One of the most recent additions to the portfolio of IndusInd Bank, the EazyDiner IndusInd Bank Platinum Credit Card, is a lifetime free offering. This is the basic version of the EazyDiner Credit Card.

  • Enjoy a 25% discount on your restaurant bill when you pay with the EazyDiner Platinum Credit Card (EazyDiner Membership Benefit).
  • Additionally, get an extra 20% discount of up to ₹500 when paying with the EazyDiner app using your EazyDiner Platinum Credit Card with PayEazy.
  • Earn 2 Reward Points on every INR 100 spent, except on fuel, insurance, rent, utility, and government.

HDFC Diners Club Privilege Credit Card

HDFC Bank Diners Club Privilege Credit Card is a premium credit card that provides a number of great rewards and benefits to cardholders. Foodies shall be delighted to hear that as a welcome benefit, they will get a complimentary Swiggy One membership.

  • Get 5X reward points for every ₹150 spent on Swiggy and Zomato. Bonus RPs are capped at 2500 per month.

SBI Prime Credit Card

The SBI Prime Credit Card is a lifestyle credit card issued by SBI Card. The Prime card carries an annual membership fee of ₹2,999.

  • Get 10 reward points for every ₹100 spent on dining, groceries, and department store purchases.
  • Pizza Hut e-voucher worth ₹1,000 on a quarterly expenditure of ₹50,000.
  • Free international and domestic airport lounge access is offered with the card.

Review of Online Food Ordering Credit Cards in India

Have a look at the reviews and benefits of the most popular food-ordering credit cards in India. With these credit cards, customers can easily get discounts on their online food orders.

Swiggy HDFC Bank Credit Card

HDFC Bank is known to offer rewarding credit cards. The bank has a range of co-branded credit cards in its portfolio, including the Swiggy HDFC Credit Card. If you’re a loyal Swiggy customer who frequently orders food online, this card is perfect for you.

  • Earn 10% cashback across the Swiggy application, including food orders, Instamart, Dineout, and Genie. The max cap is ₹1500 per statement cycle.
  • Get 5% cashback on online spends with top brands like Amazon, Uber, and more.
  • 1% cash back on all other eligible spends.

Axis My Zone Credit Card

The Axis Bank My Zone Card is an affordable credit card option that the bank offers. The card has a nominal annual membership fee of just ₹500 and offers its customers a complimentary premium subscription to SonyLiv worth ₹999. Despite its low annual fee, the card comes with many value-added benefits, making it a great choice for everyone.

  • Buy One Get One offer on movie tickets on Paytm movies, up to 100% discount on a second movie ticket.
  • You can earn 4 EDGE Reward Points per ₹200 spent with the card.
  • You can avail of a discount of ₹120 on your Swiggy orders. This offer can be availed twice a month.

AU Bank LIT Credit Card

The AU Small Finance LIT Credit Card is India’s first customizable credit card in terms of features. This means you can choose any feature you want on your card and only pay for that feature.

  • Get 5% cashback on grocery spends for 90 days at ₹299. Maximum cashback of ₹1000 per month.
  • Get 5% cashback on dining spends for 90 days by paying ₹299. You can earn up to ₹1000 cashback per month.

HDFC Bank Millennia Credit Card

The card designed for the Millennials, HDFC Bank Millennia Credit Card is the perfect card for those of young heart and mind. This card offers free lounge access, cashback on popular platforms, and much more.

  • Get 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato.
  • 1% cashback on all other online and offline spends.

How to Apply for a Dining Credit Card?

Found a suitable credit card for your food ordering and dining needs? Are you looking to apply for the card of your choice? Apply for the perfect dining credit card online with CardInsider or offline by visiting the bank. To apply online with us, simply follow these steps.

  • Firstly, make sure that you meet the eligibility criteria for the credit card.
  • Secondly, click on the Apply Now button alongside the card.
  • Fill in your correct information, such as mobile number, PAN Card, etc.
  • Submit your application for a new credit card.

How We Came Up With Our List?

Our team at CardInsider conducted thorough research to find the best credit cards for food and dining. With their personal passion for food, they remained dedicated to their work and focused on the task at hand. With our list of recommended food credit cards, you can enjoy rewarding dining experiences while also taking advantage of offers on popular platforms like Swiggy and Zomato, saving you money.

Bottom Line

To save money, it’s best to pay your dining bills through online platforms such as EazyDiner, Zomato, and Swiggy. These apps offer various discounts on different credit and debit cards. By exploring these options, you can save a considerable amount of money. Additionally, if you frequently dine out, using credit cards would lead to significant savings.

Our list features some of the best credit cards in India for food and dining. If we missed any cards or you have any thoughts to share, let us know in the comments below.

FAQs:

The EazyDiner IndusInd Bank Credit Card is considered to be one of the best cards for a dining experience. Launched by IndusInd Bank with the association of EazyDiner, you can easily get dining discounts of up to 50%.
The HDFC Bank Millennia Credit Card is a mid-level credit card that comes at an affordable joining fee of ₹1,000. You shall get a 5% discount on both Zomato and Swiggy with this card.
Without any doubt, the Swiggy HDFC Bank Credit Card should be everyone's go-to choice while ordering from Swiggy. This card would offer you a straight 10% cashback on all your purchases made on Swiggy, along with a complimentary Swiggy One membership.

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