10 Best Dining Credit Cards in 2021: Annual Fee, Features, and Review

Let us have a look at some of the best dining credit cards in India for 2021.

HDFC Bank Regalia Credit Card

HDFC Bank Regalia credit card comes with complimentary Dineout Passport Membership through which you can get a huge discount on dine-in facilities or online food order. The benefits are mentioned below:

• Assured flat 25% off at 2000+ premium restaurants
• 1+1 on the buffet at 200+ restaurants
• Additional 5% off and Zero convenience fee.
• Early access to events and festivals such as Gourmetlicious*

*All benefits applicable when you spend Rs.75,000 and more every calendar quarter using your Regalia credit card.

Read the Latest HDFC Bank Regalia Credit Card Review

SBI Card Prime

SBI Card Prime is one of the top mid-segment credit cards in India. It offers a number of benefits to cardholders. When talking about dining benefits, you can earn 10 Reward Points on every Rs. 100 spent. Also, if you spend Rs. 50,000 or more in a calendar quarter, you get a Pizza Hut e-voucher worth Rs. 1,000. Additional benefits on this card are as follows:

• 20 Reward points on every Rs. 100 spent on birthday
• Complimentary Trident Privilege Membership
• Complimentary Club Vistara Membership
• Welcome Benefits worth Rs. 3,000 on payment of the annual fee

Also Read: SBI Card Prime Review (Updated)

Kotak Delight Platinum Credit Card

Kotak Delight Platinum credit card provides cashback of 10% on dining, travel and movies. One can avail a total cashback of up to Rs. 600 every month. Dining & Movie Transactions up to Rs. 4000 are eligible for the cashback. You need to spend a minimum of Rs. 10,000 on categories other than dining and entertainment within the billing cycle to avail 10% cash-back on dining (stand-alone outlets) every month. You will get easy access to Coffee Shops, Fast food joints, Pizza joint, Pubs, Restaurants anywhere and for 365 days. Additional benefits on this card are as follows:

• 10% cashback on movies
• Fuel surcharge waiver
• Railway surcharge waiver
• 4 PVR tickets or Rs. 750 cashback on spending Rs. 1.25 Lakh in six months

Read More: Kotak Delight Platinum Credit Card

American Express Platinum Travel Card

American Express Platinum Travel credit card suits not only frequent travellers but also those who love to dine out quite often. It is best suited for frequent travellers as it offers a plethora of travel-centric benefits in the form of direct discounts and other privileges. This card offers a 15%-20% instant discount on selected restaurants. Additional benefits on this card are as follows:

• 1 Membership Point for spending every Rs. 50 except for expenditure on utilities, fuel, insurance and cash transactions
• Option to get two supplementary credit cards at zero cost
• Welcome benefits of 5000 points
• Complimentary Priority Pass Membership

Citibank Cash Back Credit Card

Citibank Cash Back credit card has been designed to return a portion of spends to the customer. This card works like a normal credit card and permits one to do a lot of things; the only difference is that it automatically transfers some money earned on one’s Citibank Cash Back credit card into statement credit in multiples of Rs. 500. Customers can avail of up to 15% off on dining across 2000 partnered restaurants. Additional benefits on this card are as follows:

• Up to 20% savings across participating restaurants. To find a Citibank partner restaurant near you, click here.
• 5% cashback on telephone bill payment, movie ticket purchases and other utility bill payments made through Citibank online bill pay service
• 0.5% cashback on all  purchases
• Earned reward points never expire

Read Citi Cash Back Credit Card Review

Kotak Feast Gold Credit Card

Kotak Feast Gold credit card is meant for feasting. You can earn 10 Reward Point on every Rs. 100 spent on dining and movies where 1 Dining Point is equal to Rupee 1. However, you become eligible for this offer only if you spend Rs. 5,000 on dining and movies within a calendar month. Additional benefits on this card are as follows:

• A maximum of 600 dining points can be earned on the first 5 dining and movie transactions
• Dining points are credited in the next billing cycle
• The transaction amount should not exceed Rs. 4,000 for dining points

Know More about Kotak Feast Gold Credit Card

Standard Chartered Ultimate Credit Card

The Standard Chartered Ultimate credit card is packed with exclusive offers and rewards to complement one’s lifestyle. It has the highest reward point value in the market. Standard Chartered Ultimate credit cardholder can dine-in with a 25% discount on top 250 restaurants in India with advance table bookings through concierge services. Additional benefits on this card are mentioned below:

• Access to 20 premier golf courses in India and 150 worldwide
• Up to 20% cashback on Uber rides
• 5% cashback on duty-free spending and low foreign currency mark-up fee of 2% on overseas spends
• Complimentary access to over 100 airport lounges across the world
• On every spend of Rs.150, 5 reward points whereas 1 reward point are equal to Rupee 1

Know More about Standard Chartered Ultimate Credit Card

Axis My Zone Credit Card

Axis Bank My Zone credit card is one of the best low-cost credit cards. You get huge benefits from dining, shopping, movies, etc. You will get up to 20% off with Axis Bank Dining Delights, at the partner restaurants in India. Besides that, 40% off on Swiggy online food orders can also be availed with this credit card. Here are the best features of Axis My Zone Credit Card-

• 4 EDGE points on every Rs.200 spent
• 1 complimentary lounge access per calendar quarter
• Flat Rs.600 off at Ajio and more

Know More about Axis Bank My Zone Credit Card

HDFC Diners Club Privilege Credit Card

HDFC Diners Club Privilege credit card is best suited for those who travel a lot and love dining at new places. Cardholders can enjoy 2X Reward Points on weekend dining. And, one can also avail of complimentary annual memberships of Zomato Pro, Amazon Prime, MMTDOUBLEBLACK, BB Star and Times Prime by spending 75,000 within the first 90 days or upon first-year fee realisation on your HDFC Bank Diners Club Privilege Credit Card. The best benefits on this card are mentioned below:

• Discount on dining in and food delivery under Zomato Pro membership
• 2 complimentary golf rounds every quarter at select golf courses worldwide
• Air mile conversion at partner Airline Ticket Booking
• 4 Reward Points on all retail spends of Rs. 150

Read HDFC Diners Club Privilege Credit Card Review

ICICI Bank Rubyx Credit Card

ICICI Bank Rubyx credit card offers dining discounts under Culinary Treats Program. You can enjoy a minimum discount of 15% on food bill at partner restaurants. Additional benefits on this card are as follows:

• 30% off on food order done through Zomato up to a maximum of Rs. 100 per order
• 50% off on Zomato Gold membership
• 20% off on orders of Rs. 500 or more on Swiggy
• 20% off on Culinary Treats’ Sunday Brunches

Read ICICI Bank Rubyx Credit Card Full Review

There are many features of dining credit cards that one should look out for. If you are planning to get a dining credit card, you should look for the following features in the card:

• Instant Discounts – Most dining credit cards offer 10 – 20% off on food/dining bills
• Rewards – One can get up to 10X reward earnings rate when dining at selected restaurants
• Cashbacks – You can enjoy the food at a lesser price by earning cashback on food bills