World's First Dine Out Discount Finder

In today’s blog, we’re excited to introduce a brand-new feature on MyRupaya, the Dine Out Discount Finder. Whether you’re ordering from Swiggy, Zomato, Eatsure, or Magicpin, this tool helps you discover restaurant discounts you’re eligible for based on your credit card.

Let's be honest - eating out has gotten crazy expensive! But here's why a good discount finder app is such a game-changer:

• It Saves You Real Money

We all love going out to eat, but those bills add up fast. When you can get 30-50% off your meal, suddenly that fancy restaurant bill becomes affordable for us. Eating our favourite food with our family gives immense joy. You can have your food and enjoy the better vibes, and the better way will always be in your pocket.

• You Get to Try New Places

Sometimes we pass by a roadside and see a beautiful and fancy restaurant, but never go there because we aren't sure if it is worth the money. With discounts, you can afford to be adventurous. You tried something new without paying full price.

• No More App-Hopping

You know how annoying it is to check Swiggy, then Zomato, your credit card app to see who has the best deal? Yeah, nobody has time for that. Having everything in one place is just easier nowadays. This discount feature offers the best deals with beautiful views.

• It Makes Eating Out Feel Good Again

There's something really satisfying about knowing you got a great deal. Instead of feeling guilty about spending money on dinner, you feel smart about it. Eating our favourite food gives inner satisfaction, which is needed by everyone.

Myrupaya:

What is MyRupaya?

MyRupaya is India's first personal finance portal and a leading fintech company based in Jaipur, Rajasthan. Think of it as your smart financial buddy that helps you make better money decisions every day.

What They Actually Do:

•AI-Powered Discount Finder: Our main thing is helping you find discounts and offers on your credit cards for everything - movies, flights, hotels, food delivery, shopping, you only have to type your credit card name in the search bar.

•Financial Product Reviews: We have the largest collection of reviews for credit cards, bank accounts, loans, and investment options in India.

•Simple Financial Education: We break down complex financial stuff into easy-to-understand videos, reels, and infographics. We have our Instagram and LinkedIn pages.

•Comparison Platform: Compare different financial products to find what works best for you. There is a feature in which you can compare cards for better discounts and deals.

Their Cool AI Feature:

You can ask their AI things like:

•"What movie offers do I have on my HDFC credit card?"

•"Show me airline discounts for my card."

•"What food delivery deals can I get?"

And it'll tell you exactly what discounts you can use on platforms like Swiggy, Zomato, BookMyShow, MakeMyTrip, etc.

The Founders:

Abhijeet Saxena

•Education: B.A., LL.B. from NALSAR University of Law, Hyderabad

•Background: Legal and business expertise.

What MyRupaya Offers in Dining Out:

• AI-driven discovery: Through its AI tool, Myrupaya can tell users which credit cards offer dining or food-delivery discounts on platforms like Swiggy, Zomato, Eatsure, Magicpin.

  
  

• Curated comparisons and reviews: The site hosts extensive content on “Dine‑Out Credit Cards,” including side‑by‑side comparisons of cards like the IndusInd Eazy Diner Platinum vs HDFC Regalia Gold—highlighting their dining‑benefit structures, rewards rates, discount percentages, and more.

  
  

Benefits for Users:

1. Save time & effort: Rather than individually browsing through banks or apps, users can leverage MyRupaya’s AI and editorial insights to quickly pinpoint which cards deliver the best dining discounts.

2. Smarter decisions: The platform provides context like discount rates, partnership ecosystems (e.g., Swiggy Dineout, EazyDiner), and additional perks such as lounge access or movie tickets, which helps users align card choices with their lifestyle.

3. Stay updated: Frequent updates and blog posts ensure users are aware of the latest dining‑related offers and this is how a user can get the best deals and discounts.

Top 5 Credit Cards for Dining Out Offers:

1. IndusInd EazyDiner Credit Card:

   
   

   The IndusInd EazyDiner Credit Card is a co-branded lifestyle and dining credit card created in partnership between IndusInd Bank and EazyDiner, designed especially for individuals who love to go out for dining and enjoy premium delicious food experience. The card combines the everyday convenience of a credit card with exclusive food and lifestyle privileges, including substantial dining discounts, fast reward accumulation, and additional perks like lounge access and movie tickets. It is ideal for those who want to maximize their savings while enjoying luxury and fine dining experiences.

   
   

   As a welcome benefit, cardholders receive a complimentary 12-month EazyDiner Prime membership (worth INR 3,550), which guarantees 25% to 50% off at top restaurants. Users also get 2,000 bonus EazyPoints on activation, and a Postcard Hotel stay voucher worth INR 7,500, offering luxurious boutique stays. The card further unlocks dining discounts of up to INR 5,000 per month when transacted through the EazyDiner app using PayEazy, and even includes a free premium beverage at select partner restaurants. These welcome benefits together make the card highly rewarding from the very first swipe.

Cashback Rate:

• Users will earn 10 reward points for every INR 100 spent on dining, shopping, and entertainment. 

• Value of 1 reward point = INR 0.20. Special cashback rate: 2%.

• Users will earn 4 reward points on all other spends (except fuel). General cashback rate: 0.4%.

  

2. Indusland EazyDiner Platinum Credit Card:

   
   

   The IndusInd EazyDiner Platinum Credit Card is specially designed to offer discounts by IndusInd Bank in partnership with EazyDiner, designed to deliver good value to those individual who loves to dine out frequently at expensive restaurants. It provides seamless integration with the EazyDiner platform, allowing users to avail discounts and exclusive dining privileges at top restaurants across India. Whether you're a casual diner or want to explore various restaurants, this card will enhance your lifestyle by offering accelerated rewards, dining deals, and complimentary EazyDiner Prime access, all while functioning as a fully featured credit card.

   
   

   As part of the welcome benefits, cardholders receive a free 3-month EazyDiner Prime membership, which offers 25%–50% guaranteed discounts at premium restaurants listed on the EazyDiner app. Additionally, users enjoy 500 EazyPoints as a joining bonus, which can be redeemed for dining deals. These welcome perks make the IndusInd EazyDiner Platinum Credit Card a great entry-level option for users looking to experience dining privileges and build toward more premium benefits over time.

   
   

Cashback Rate :

• Get 2 points on spending INR 100 except on fuel, insurance, rent, utility, and government. Value of 1 point = INR 0.20. General cashback rate: 0.4%. 

• Get 0.7 reward points on insurance, rent, utility, and government spends. Special cashback rate: 0.14%

  

3. Swiggy HDFC Credit Card:

   
   

   The HDFC Swiggy Credit Card is a co-branded credit card launched by HDFC Bank in collaboration with Swiggy, targeting those customers who want to save money with the best rewards and deals for online food delivery. Designed for digital-first consumers, this card offers high cashback on Swiggy spends, including food delivery, Instamart, Dineout, and Genie, as well as good returns on other online purchases. It is a perfect lifestyle card for millennials and urban consumers who rely on online platforms for food, groceries, and essentials, all while earning cashback on daily spending.

   
   

   As a welcome benefit, cardholders receive a Swiggy One membership for 3 months at no extra cost, which includes free deliveries, extra discounts, and priority service across Swiggy services. Additionally, users can earn a welcome cashback of INR 500 as Swiggy Money on spending INR 2,000 or more within the first 30 days of card activation. These benefits make it a rewarding option right from the start, especially for those already active in the Swiggy ecosystem.

   
   

Cashback Rate :

• Users will get a flat 10% cashback on Swiggy orders (food delivery, groceries, Dineout, Genie), capped at INR 1500 per month. 

• 5% cashback on online shopping across various categories like Amazon, Flipkart, Myntra, BookMyShow, etc., capped at INR 1500 per month. 

• 1% cashback on all other eligible spends, capped at INR 500 per month.

  

4. HSBC Live+ Credit Card:

   
   

   The HSBC Live+ Credit Card is a lifestyle-oriented credit card designed to provide rewards to users for their daily expenses, such as dining, entertainment, wellness, and travel. It targets every age group, from urban professionals and millennials who value experiences and want to earn accelerated rewards on lifestyle transactions. With a modern reward structure, this card offers enhanced benefits at top restaurants, spas, cinemas, and travel bookings, making it an excellent choice for those who seek value in their routine expenses.

   As a welcome benefit, new cardholders receive Amazon vouchers worth INR 2,000 upon completing eligible transactions within the first 30 days of card issuance. Additionally, users can enjoy zero joining fees (limited-period offer) and receive complimentary Airport Lounge Access at select domestic airports. These welcome perks, coupled with everyday reward potential, make the HSBC Live+ Credit Card a well-rounded entry into the world of lifestyle privileges.

   
   

Cashback Rate:

• Users will get 10% cashback on all dining, food delivery, and grocery spends (capped at up to INR1,000 per billing cycle).

• 1.5% unlimited cashback on most other spends. 

  

5. HDFC Bank Infinia Credit Card Metal Edition:

   
   

   The HDFC Bank Infinia Credit Card Metal Edition is super-premium credit card, designed exclusively for high-net-worth individuals who seek exclusive luxury, flexibility, and rewards. Packed with elite travel, dining, and lifestyle privileges, the Infinia Metal Edition offers global airport lounge access, unlimited golf, concierge services, and a powerful reward system with no pre-set credit limit.

   A pre-set credit limit means your credit card comes with a fixed maximum spending limit defined by the bank, for example, INR 5,00,000 per month. You cannot spend beyond this amount unless you request an increase or pay off your balance early.

   
   

   It comes with a sleek metal design that symbolizes status and exclusivity, and it's offered by invitation only, underscoring its premium positioning in India’s credit card market.

   
   

   As part of the welcome benefits, new Infinia Metal cardholders receive 12,500 reward points (equivalent to INR 12,500 value) on fee payment. Additionally, the card comes with a complimentary Club Marriott membership for 1 year, offering up to 20% discount on dining and stays at Marriott hotels across Asia-Pacific. Users also enjoy unlimited domestic and international lounge access via Priority Pass and Visa/MC programs, unlimited free golf games at premium golf courses in India and abroad, and comprehensive air accident cover and insurance benefits.

Cashback Rate:

• Users will earn 5 reward points on every INR 150 retail spend. 

• Reward points can be redeemed for: Flight and Hotel Bookings via Smartbuy at a value of 1 RP = Rs1. Effective cashback rate: 3.33%.

• Apple products and Tanishq vouchers via Smartbuy at a value of 1RP = Rs. 1. Effective cashback rate: 3.33%. 

• Airmiles conversion through net banking at a value of 1RP = 1 air mile. Effective cashback rate: 3.33%.

• Products and Vouchers via Netbanking or SmartBuy at a value of 1 RP = up to Rs 0.50. Cashback at a value of 1 RP = Rs 0.30. Effective cashback rate:  0.99%.

  

FAQ's

1. What is the Dine Out Discount Finder by MyRupaya?

   It’s a feature that helps you find restaurant discounts available through your credit or debit cards on platforms like Swiggy, Zomato, and EatSure.

   
   

2. How does this feature work?

   Just enter your credit or debit card details (like HDFC, ICICI, etc.) and MyRupaya will show you all restaurant discounts you're eligible for.

   
   

3. Is this feature free to use?

   Yes, the Dine Out Discount Finder is completely free for all MyRupaya users. You simply have to log in to the Myrupaya app.

   
   

4. Which food platforms are supported?

   Currently, we support Swiggy, Zomato, EatSure, and Magicpin. The user will get top discounts and deals by using their cards.

   
   

5. Do I need to have a specific credit card to get discounts?

   Yes, different banks offer different discounts. MyRupaya tells you which card gives the best deal at a specific restaurant.

   
   

6. Is it safe to enter my card information?

   Yes, we don’t store sensitive data, just type the name of your credit card for offer matching. Users don't have to worry about safety.

   
   

7. How often are the offers updated?

   We update offers weekly, sometimes daily, to reflect real-time bank and platform changes. User will get the real time offers to get best deals and offers.

   
   

8. Do I need to apply any promo code?

   If a promo code is required, we show it clearly along with the discount details. The user can copy that code and get the best deals.

9. Is the feature available on mobile?

   Yes, you can use the Dine Out Discount Finder on both desktop and mobile via our website. You don't have to open your laptop every time to see the offers. Simply go to the Myrupaya website on your mobile.

10. Are there any conditions to get the discount?

    Yes, some offers may require a minimum order value or be valid only on select days. It depends on dining apps.

We have launched Dine Out Feature in India and have given a unique AI score to each credit card to check the AI score of all credit cards. Click here