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Top 5 Dine-Out Credit Cards

Top 5 Dine-Out Credit Cards

If you love dining out, you know how expensive it can be to enjoy your favorite restaurants. That's why it's smart to use a credit card that rewards you for every bite you take. Whether you prefer fine dining, fast food, or anything in between, there's a credit card that suits your taste buds and your budget. In this blog post, we'll review the top 5 dining-out credit cards that offer generous cash back, points, or miles on your dining purchases. Plus, we'll share some tips on how to maximize your rewards and save even more money on your meals.


IndusInd Bank EazyDiner Credit Card:

  • Joining Fee: INR 1999

  • Interest Rate: 39.99% per annum on outstanding balance after the due date and on cash advances.

  • Rewards: Avail EXTRA 25% OFF upto ₹1000 every time you eat out & pay on the app via PayEazy. This offer is valid on take-away as well. Enjoy 3 months EazyDiner Prime membership worth INR 1,095.

  • Special Feature: Enjoy 12 months EazyDiner Prime membership worth INR 2,495. Enjoy GUARANTEED 25% up to 50% OFF at over 2000+ premium restaurants & bars.


If you are a foodie who loves to dine out, the IndusInd Bank EazyDiner Credit Card is the perfect choice for you. This card offers you exclusive dining benefits and offers at over 10,000 restaurants across India and Dubai. You can enjoy up to 50% off on your food bills, complimentary desserts, drinks and more. Plus, you can earn EazyPoints on every transaction and redeem them for free meals, vouchers and gift cards. You also get a free EazyDiner Prime membership for one year, which gives you access to curated menus, priority reservations and personalized service at the best restaurants in town. The IndusInd Bank EazyDiner Credit Card also comes with other features such as fuel surcharge waiver, zero annual fee, low interest rate and more. Apply now and get ready to savour the best dining experiences with your IndusInd Bank EazyDiner Credit Card.


HDFC Infinia Credit Card:


  • Joining fee: Rs.12,500 

  • Interest Rate: 1.99% per month i.e. 23.88% annually.

  • Rewards: Complimentary nights & buffet at participating ITC hotels, Complimentary Club Marriott membership for the first year, and Unlimited airport lounge access across the globe for Primary and Add-on members.

  • Special Feature: Complimentary Club Marriott membership for the first year that offers up to 20% discounts for Dining and stay across Asia–Pacific region.


HDFC Infinia Credit Card is one of the most premium and exclusive credit cards in India. It offers unparalleled benefits and privileges to its cardholders, especially in the dining category. With HDFC Infinia Credit Card, you can enjoy up to 50% discount on dining bills at over 3000 partner restaurants across India, under the Dineout Plus program. You can also get unlimited complimentary access to more than 800 airport lounges worldwide, along with a free membership to Zomato Pro, which gives you up to 40% off and faster delivery on food orders. Additionally, you can earn 5 reward points for every Rs. 150 spent on dining, which can be redeemed for air tickets, hotel bookings, gift vouchers and more. HDFC Infinia Credit Card also comes with a low foreign currency markup fee of 2%, a high credit limit of up to Rs. 10 lakhs, and a host of other features and offers that make it a must-have for frequent diners and travelers.


HDFC Swiggy Credit Card:

  • Joining Fee / Renewal Membership Fee: ₹500 /- + Applicable Charges

  • Interest Rate: 3.6% per month (i.e., 43.2% per annum)

  • Rewards: 10% Cashback: On Food ordering, Instamart, Dineout & Genie on the Swiggy app. 5% Cashback: On online spending across eligible MCCs (list available on HDFC website).

  • Special Feature: Cashback earned on Swiggy HDFC Bank Credit Card is redeemable as Swiggy Money only on Swiggy application on the following Swiggy platforms -

  • Food ordering

  • Instamart

  • Dineout

  • Genie


HDFC Swiggy Credit is a credit card that offers exclusive dining benefits and offers for Swiggy customers. With this card, you can enjoy up to 20% cashback on food orders, free Swiggy Super membership for a year, and access to premium restaurants and cuisines. HDFC Swiggy Credit also comes with other features such as zero annual fees, fuel surcharge waivers, and reward points on other categories. Whether you are ordering food for yourself, your family, or your friends, HDFC Swiggy Credit is the perfect card for you.


RBL Bank Icon Credit Card:

  • Joining fees: Nil for primary card & add-on cardholder 

  • Annual membership Fees: Rs. 5000 + GST 

  • Rewards: Get 20 reward points for every INR 100 spent on international and dining spends on weekends. Maximum 2,000 reward points per month each for international spending and weekend dining spending. Customers can also avail of Dining Referral and Reservation Assistance.

  • Special Feature: Avail 1+1 movie ticket on BookMyShow, up to INR 200, twice a month.


RBL Bank Icon Credit Card is a premium card that offers exclusive dining benefits and offers to its customers. With this card, you can enjoy up to 20% discount at over 1000 restaurants across India, as well as complimentary membership to Zomato Pro and Dineout Passport. You can also earn reward points on every dining transaction and redeem them for vouchers, cashback, or air miles. RBL Bank Icon Credit Card is the perfect choice for foodies who love to explore new cuisines and save money on their bills.


Axis Bank Ace Credit Card:

  • Joining fee: INR. 499 (reversed upon spending Rs. 10,000 within 45 days of card issuance).

  • Interest Rate: 3.6% per month (52.86% per annum)

  • Rewards:  4% cashback on Swiggy, Zomato & Ola. (Capped at INR 500 per month).

  • Special Feature:   5% cashback on bill payments (electricity, internet, gas and more) DTH and mobile recharges on Google Pay. (Capped at INR 500 per month).


Axis Bank Ace Credit Card is a premium card that offers exclusive dining benefits and offers to its customers. With this card, you can enjoy up to 20% off on dining bills at over 4000 partner restaurants across India. You can also get 5% cashback on food delivery apps like Swiggy and Zomato, up to Rs. 200 per month. Additionally, you can earn 2% cashback on all other online and offline spends, with no upper limit. The card also comes with a low annual fee of Rs. 499, which is waived off if you spend Rs. 2 lakh or more in a year. Axis Bank Ace Credit Card is a great choice for foodies who want to save money and earn rewards on their dining expenses.



To sum up, these are the top five dine-out credit cards that can help you save money and earn rewards on your restaurant spending. Whether you prefer cash back, points, or miles, there is a card that suits your needs and preferences. You can compare the features and benefits of each card and apply for the one that best matches your dining habits and goals. By using a dine-out credit card wisely, you can enjoy delicious meals and earn valuable rewards at the same time.


Q: What kind of rewards do dine-out credit cards offer?

A: Most offer points or cashback specifically for dining purchases, often at higher rates than regular spending. Some provide additional perks like lounge access or statement credits.

Q: Do I need a card with a specific annual fee to get good rewards?

A: Not necessarily. While high-fee cards often offer premium rewards, budget-friendly options with decent dining rewards exist. Consider your annual spending to weigh the fee against potential earning.

Q: Can I use rewards earned on dining towards other categories like travel or shopping?

A: It depends on the card. Some programs offer flexibility, while others restrict redemption to dining-related benefits.

Q: What credit score do I need to qualify for a good dine-out card?

A: Requirements vary, but generally good (740+) to excellent (800+) scores are preferred for premium cards. Explore options for lower credit scores as well.

Q: Are there any welcome bonuses offered on dine-out cards?

A: Yes, many cards offer bonus points or cashback after meeting initial spending requirements, making them attractive for high spenders in the first few months.

Q: Do all restaurants qualify for reward points on dine-out cards?

A: No. Check the card issuer's list of excluded categories like fast food, convenience stores, or alcohol purchases to avoid missing out on points.

Q: Are there foreign transaction fees for using these cards internationally?

A: Some cards charge foreign transaction fees, affecting overseas dining, so read the terms carefully before using abroad.

Q: Are there other options besides regular credit cards for earning rewards on dining?

A: Yes, consider debit cards with cashback rewards on dining categories, loyalty programs from specific restaurant chains, or co-branded cards with dining platforms.

Q: Should I get separate cards for dining and other spending, or a single card for everything?

A: Choose based on your spending habits. Multi-card strategies can maximize rewards, but managing multiple bills adds complexity. Consider a single card with good dining rewards and decent benefits for other categories if simplicity is preferred.

Q: How do I decide which dine-out credit card is the best for me?

A: Evaluate your dining frequency, average spending per meal, desired rewards (points, cashback, perks), annual fee tolerance, credit score, and preferred redemption options. Compare various cards, considering welcome bonuses and potential limitations, to find the perfect fit for your dining habits and financial goals.



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