Nowadays, you can find a premium as well as basic credit cards across different categories issued by different banks/card issuers. Individuals prefer having a credit card as per their requirements, i.e, they look for a card that offers maximum benefits across the categories where they spend the most. Along with hundreds of credit cards across different categories in India, dining credit cards are also a choice for people who love dining out frequently. Though it is not a very popular category like travel, cashback, rewards, etc, thousands of people look for a credit card to save on their dining spends. In this article, we will help you understand how can you maximize your dining benefits with a credit card and what are the best dining cards available in the Indian market. Keep reading for further information:

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Ways to Maximize Dining Benefits With a Credit Card

If you also have a credit card or you are looking for one to save on your dining spends, the following are some tips that will help you get the maximum benefit out of your dining credit card:

Pay Your Dining Bills Using a Credit Card

Almost all credit cards come with some basic or premium dining benefits. You will most probably get a discount when you pay your dining bills using a credit card, which is not always the case when you pay using a debit card or cash. For example, all the major card issuers like HDFC bank, Axis Bank, ICICI Bank, etc, offer a minimum of 15% discount on dining at various participating restaurants across the country.

Get a Credit Card With an Accelerated Reward Rate on Dining

If you dine out frequently, you must get a credit card that offers accelerated reward points on dining. Using these cards, you don’t just get a discount on your dining bills, but you can also save additionally by earning reward points. Many credit cards offer an accelerated reward rate on certain categories, i.e, you get more reward points on selected spends with these cards. For example, SimplySave SBI Credit Card offers 10x Reward Points on dining and a few more categories. So, it would be a good option for those who want to get a basic card with decent dining benefits.

Redeem Your Credit Cards Rewards Against Dining

If you are having a rewards credit card, you can check the redemption options available against these rewards. If you have the option to redeem your reward points against dining vouchers, you can go further for it if it seems to be a beneficial option to you. You can get vouchers for dining brands like Dominos, Zomato, Swiggy, Baskin Robbins, etc, and use these vouchers to save on your dining spends. Some credit cards like Zomato Edition and Zomato Edition Classic Credit Card allow you to use your credit card reward points directly against dining. The rewards you earn using these cards are credited to your Zomato account and are redeemable against your food orders on Zomato.

Best Dining Credit Cards in India

If you spend very often on dining, you must have one of the following credit cards to maximize your savings. The list of best dining credit cards in India is given below:

  • HDFC Infinia Credit Card: The HDFC Infinia Metal Edition Credit Card is a super-premium card that comes with an annual fee of Rs. 12,500. This card offers complimentary Dineoutpassport membership, free Club Mariott membership with a 20% discount on dining, and a 1+1 buffet on weekends at the ITC hotels.
  • AmEx Platinum Credit Card: The AmEx platinum Credit card comes with an annual fee of Rs. 60,000 and offers exciting dining benefits, such as complimentary EazyDiner prime membership and up to 50% discount on dining spends.
  • RBL Bank Edition Credit Card: This card is issued by the RBL bank in partnership with the popular dining brand, Zomato. the card comes with an annual fee of Rs. 1,499 and offers various exciting benefits including free Zomato pro membership and up to 10x Rewards on Dining.
  • EazyDiner IndusInd Bank Credit Card: The IndusInd Bank EazyDiner Credit card is a newly launched co-branded credit card that comes with an annual fee of Rs. 1,999. the dining benefits of this card include complimentary EazyDiner Prime membership and up to 50% additional discount on dining.

Apart from the above cards, you can check IndusInd Celesta Credit Card, SBI SimplySave Credit Card, HDFC Diners Club Black, and HDFC Regalia Credit card.

Also Check: Best Credit cards for movies and dining in India

Bottom Line

Getting a credit card according to your requirements is always the best option. If you love dining out, you should get one of the above-listed cards and keep all the necessary points in mind in order to maximize your benefits. Credit Cards can help you save a lot if you use them wisely and make the bill payments timely. Just make sure that you have chosen the right card and that you are aware of all its benefits. If you still have any doubts in your mind, you can freely ask us in the comment section below!

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