Enjoying a good meal at your favorite restaurant becomes even better when you get rewards or cashback for it. If you’re looking for credit cards for Dining Out and Restaurant Rewards, you’re making a smart choice. With food delivery apps, cafes, fine-dine restaurants, and fast-food outlets becoming part of our everyday lives, it makes sense to use a credit card that gives you something back every time you spend on food.
Many banks offer credit cards that give special discounts, cashback, or reward points when you spend on dining. Whether you like eating out with friends, ordering online, or trying out new places every weekend, the right credit card can help you save more on every bite. Let’s check out the best credit cards for Dining Out and Restaurant Rewards that give you the best value when you spend on food.
Top Credit Cards for Dining Out and Rewards
Here are the best credit cards for dining out and restaurant rewards that are popular in India and give great benefits to food lovers:
HDFC Bank Millennia Credit Card
This card is a great option for people who enjoy online food delivery and dining out.
Key Features:
- 5% cashback on food delivery through Swiggy, Zomato, and other apps
- 1% cashback on other dining spends.
- Free Zomato Pro membership as a welcome benefit (offer may vary).
- Annual fee: ₹1,000 (waived off on yearly spends of ₹1 lakh).
If you often order food online, this is one of the best credit cards for dining out and restaurant rewards.
Axis Bank Neo Credit Card
Perfect for youngsters and people who spend regularly on food delivery and entertainment.
Key Features:
- 10% off on Zomato, Swiggy, and Blinkit.
- 40% off on partner restaurants via EazyDiner.
- 1% fuel surcharge waiver.
- Annual fee: ₹250.
This is one of the most budget-friendly and best credit cards for dining out and restaurant rewards for those who like to keep their expenses low but still enjoy discounts.
SBI Card ELITE
A premium card that gives many lifestyle and dining benefits.
Key Features:
- Up to 10 reward points per ₹100 spent on dining.
- Complimentary Club Vistara and Trident membership.
- 2 free movie tickets every month.
- Annual fee: ₹4,999.
This card is perfect if you dine at fine restaurants and want to enjoy luxury dining rewards.
RBL Bank World Safari Credit Card
A travel and lifestyle card that also gives good dining benefits.
Key Features:
- 2 reward points per ₹100 spent on dining.
- Complimentary EazyDiner membership.
- No foreign currency markup charges.
- Annual fee: ₹3,000.
This card is not only for travel lovers but also ranks among the best credit cards for dining out and restaurant rewards.
ICICI Bank Sapphiro Credit Card
This card gives decent benefits on both dining and lifestyle spending.
Key Features:
- 2x reward points on dining.
- Free access to airport lounges.
- Offers via the ICICI Culinary Treats Program.
- Annual fee: ₹3,500 (waived on ₹6 lakh yearly spend).
If you dine frequently at partner restaurants, this can help you save more and enjoy premium experiences.
HDFC Diners Club Privilege Credit Card
A good option for people who like to dine out often and enjoy premium perks.
Key Features:
- 5X reward points on dining.
- Complimentary Zomato Gold membership.
- Free access to airport lounges worldwide.
- Annual fee: ₹2,500 (waived on spending ₹3 lakh per year).
This is clearly one of the best credit cards for dining out and restaurant rewards for frequent diners.
Benefits of Using Dining Credit Cards
Choosing the best credit cards for dining out and restaurant rewards can bring several advantages:
- Cashback or Discounts: Many credit cards offer flat discounts or cashback when you pay using the card at partner restaurants or apps.
- Free Memberships: Some cards give complimentary food-related memberships like Zomato Gold, Swiggy One, or EazyDiner Prime.
- Reward Points: Dining spends can earn extra reward points, which you can later redeem for shopping, travel, or even more food.
- Dining Offers: Bank tie-ups with food apps and restaurants mean better deals and limited-time offers for cardholders.
When you pick the best credit cards for dining out and restaurant rewards, it becomes easier to enjoy your favorite meals without worrying about high bills
How to Choose the Right Dining Credit Card
Before applying for a credit card, keep these simple things in mind:
- Spending Pattern: If you mostly order food online, go for a card that gives benefits on Swiggy, Zomato, or other apps.
- Dining Out: If you often eat at restaurants, choose a card that gives extra rewards on dining bills.
- Annual Fee: Pick a card that fits your budget. Many cards offer fee waivers on minimum spending.
- Rewards and Offers: Check how many reward points or cashback you’ll get and how you can use them.
- Extra Perks: Some cards give lounge access, free movie tickets, or fuel waivers too, which adds more value.
With the right choice, you’ll get maximum value every time you eat out or order in.
Also Read:- How To Choose Between A Fixed-Rate and Variable-Rate Credit Card
Bottom Line
Having the right credit card can help you turn your dining expenses into savings and rewards. Whether it’s ordering from your favorite food app, dining at restaurants, or trying out new cafes, these cards give you back something every time you spend.
So, if you are someone who loves good food, it’s the right time to apply for the best credit cards for dining out and restaurant rewards. Compare the options, pick the one that suits your lifestyle, and enjoy every meal with extra savings and offers.