Getting a restaurant credit card can help you save money on your dining bills. Credit cards can offer savings through reward programs and cashback, depending on the card and credit card provider. A restaurant credit card can also provide instant funds to finance unplanned dining expenses without using up your savings.
Assessing your spending patterns will help you select a credit card appropriate to your spending habits. For this, you can compare the best credit cards available, which provide the most restaurant rewards. Here is a complete introduction to this type of card and tips for choosing the best option.
What is a Restaurant Credit Card?
You can get specific advantages on food and dining with partner restaurants. Using such cards will help you avail:
- Accelerated reward points specific to restaurant bills
- Cashback offers on dining bill payments
- Complimentary food and drinks
- Discounts on bill payments
While enhancing your restaurant experience, these credit cards may also come with access to airport lounges and special deals from online food ordering platforms.
Best Restaurant Credit Cards
These are some credit card options with restaurant-related benefits:
| Credit Card Name | Annual Fees | Dining Benefits |
| HDFC Bank Diners Club Privilege Credit Card | ₹2,500 | Earn 5X points on orders from Swiggy and ZomatoGet free memberships to Swiggy One as a joining benefitGet vouchers of ₹1,500 to spend at Marriott hotels on spending ₹1.5 lakh in a quarter Enjoy up to 20% discount at eligible restaurants across India via Swiggy DineoutUse your points to save on bills on bookings via the Exclusive Privilege Dining Catalogue |
| ICICI Bank Rubyx Credit Card | ₹2,000 | Get access to the Culinary Treats Program, which offers discounts at partner restaurants Receive deals from Zomato, Swiggy and Eazydiner with this card as the payment modeGet access to an exclusive concierge service to book restaurants, hotel stays, and more |
| Flipkart Axis Bank Credit Card | ₹500 | Get a discount of 50% on your first order from Swiggy as a welcome benefit Enjoy dining out with a 15% discount at partner restaurants via Axis Bank’s Dining Delights program via Eazy DinerGet cashback of up to 4% on eligible partner payments including Swiggy |
| HDFC Bank Regalia Credit Card | ₹2500 | Get access to the Good Food Trail dining program, which offers 7.5% off on dining bills at more than 20,000 restaurants Get membership to Dineout Passport, which offers at least 25% discounts at partner restaurants Get additional offers like buy one, get one free on buffets |
| SBI Card Prime | ₹2,999 | Earn 10 points for every ₹100 spent at restaurants, grocery stores Enjoy pizza at Pizza Hut with a voucher of ₹1,000 on crossing a spending milestone of ₹50,000 in a quarterUnlock complimentary Club Vistara and Trident Privilege membership |
Maximize Your Dining Rewards: Tips for Choosing the Right Credit Card
A lot of credit card providers collaborate with a wide range of restaurants to give a heightened dining experience. You can apply for a credit card that offers the best dining benefits and rewards.
Considering certain factors like how often you dine out or how much you spend on dining can give you a clear picture. These are certain factors to consider before getting a credit card for restaurant benefits.
- Evaluate your spending habits – If you spend a fair amount on restaurant bills every month, then getting a credit card with dining benefits can be an optimal choice. Otherwise, consider a card that offers a broader range of benefits.
- Compare all the associated charges – Review all associated fees, such as annual and joining fees, to ensure they don’t outweigh the dining benefits. Sometimes, the perks may not justify the costs.
- Cashback – Look for cards that offer cashback on various purchases. Some cards provide flat cashback rates, while others offer higher cashback percentages on specific categories, like restaurant bills. Choose one that aligns with your spending patterns.
- Reward Points – Consider cards that offer reward points on dining and other purchases. Cards with higher reward points for fewer transactions can be advantageous. Evaluate how you can redeem these points effectively.
These offers can significantly impact your savings, especially if you dine out often. By taking advantage of dining benefits, you can save money every month, making it a highly valuable option for frequent restaurant-goers.
If you are looking for a credit card that offers benefits related to food, dining and more, the One Credit Card can be a fantastic choice. With the OneDining program, you can get flat 2% value back on dining in at restaurants near you. You can also get discounts from Zomato, McDonalds, KFC and other partners.
Apart from that, you can earn 5X reward point on restaurants bills if it is one of your two highest spending categories every month. What’s more, this card has zero annual and joining fees, which makes it easy to maintain. The powerful One Credit Card App gives you instant insight on the offers near you, so never miss out on deals.
