10 Best Dining Credit Cards in 2021

Updated on: 14 Dec 2021 // 34 min read // Credit Cards
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We all love dining out! Eating out together, helps families get closer to each other while also spending some good time together. Wouldn’t it be awesome if we get to earn some rewards while eating out to elevate the whole dining out experience? If that sounds like what you have been searching for, you’re in luck. We have compiled a list of 10 best Dining Credit Cards in 2021 which can earn Instant Discounts, rewards or cash backs whenever you dine out with your family!

Foodies, we have your food pangs covered: Here are Best Credit Cards in India you can make use of when dining out. Bon appétit!

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1. HDFC Regalia Card

HDFC Regalia Card is an excellent card for those who love dining out. It helps you earn exciting dining offers, including discount up to 15 percent at several premium restaurants across India. HDFC Regalia Card is an exceptionally great card as you stand to earn a massive 15,000 bonus points on spending Rs. 8,00,000 annually. While this card comes with a steep Rs. 2,500 annual fee, it does come packed with several premium benefits that bring great value for a frequent traveller as well.

2. HDFC Platinum Times Credit Card

With a Rs. 1,000 annual fee, HDFC Platinum Times Credit Card helps you earn exciting discounts and reward points on dining spends. You can avail a discount of up to 20 percent on dining spends (in participating outlets). Moreover, with a low annual fee, this card is indeed handy to carry around to cover dining expenses regularly. You’ll be rewarded with 10 reward points on every Rs. 150 spent on dining during weekdays from Monday to Friday.

3. Kotak Delight Platinum Card

Kotak Delight Platinum Card stands out as one of the best dining & entertainment cards. It not only offers attractive 10 percent cashback, but an array of promotions and privileges, such as railway, and fuel surcharge waivers. You stand to benefit a maximum cashback of Rs. 600 including both Dining & Entertainment spends monthly. Dining & movie transactions up to Rs. 4000 are eligible for a cashback.  However, to be eligible to earn rewards, you need to spend a minimum of Rs. 10,000 monthly on categories besides dining and entertainment. The annual fee is also low at Rs. 299 but there’s a one-time joining fee of Rs. 1,999 which needs to be paid if you’re looking to apply for this Credit Card.

4. SBI’s SimplyCLICK Card

If you love ordering through food delivery apps such as Foodpanda, then the SBI SimplyCLICK Credit Card is tailor-made for you. For every Rs. 100 spent on partners such as Foodpanda, Amazon, Cleartrip, BookMyShow, Lenskart, UrbanClap, you stand to earn 10 points (4 points = Rs. 1). There are also plenty of other perks such as Rs. 500 Amazon Welcome Voucher as well as the standard fuel surcharge waiver. You can avail this card by paying a modest annual fee of Rs. 499 annually.

5. Citibank Cash Back Credit Card

Out of the various types of Citibank Credit Cards out there, the Citibank Cash Back credit card stands out. You can enjoy savings, cash rebates, and several other benefits all year long. Diners can enjoy a discount of up to 15 percent across 2000 Citibank partnered restaurants. In addition, this card lets you enjoy 5 percent cashbacks on Telephone Bill payment, movie ticket purchases, or any other type of utility bill payment, made through the Citibank online bill pay service.

In case of other spends, including restaurants, you can avail a 0.5 percent cashback. All these cashbacks automatically get credited into your statement in multiples of Rs. 500. Currently, Citibank also has an offer running on all their Credit Cards from 13th July till 29th September 2019 (every Saturday and Sunday), which allows you to avail a 25 percent cash back (up to Rs. 200) on Swiggy purchases (code CITIFOODIE must be used to avail this offer). Joining/ Annual Fees are not mentioned on this card and will be communicated to you at the time of sourcing.

6. HSBC Platinum Credit Card

HSBC Platinum Credit Card is one of the few cards in the market that allows you to earn both dining discounts and premium benefits with zero joining & annual fees. Diners can enjoy discounts up to 15 percent at over 1,000 HSBC partner restaurants across major cities. You don’t only need to be a foodie to appreciate HSBC’s Platinum Credit Card.  It offers a variety of premium services such as concierge services, fuel surcharge waivers, emergency card replacement, and zero lost card liability. As far as reward points are concerned, you can earn 2 reward points on every spending of Rs. 150 while 3X rewards can be earned if you use your card for dining, telecom, and hotel expenditures. As a Welcome Gift, you even get a Rs. 2000 Cleartrip voucher as well as a Rs. 250 Swiggy Voucher on making your first transaction. What’s there not to like?

7. ICICI Bank Rubyx Credit Card

ICICI Bank Rubyx Credit Card is an excellent option for diners looking to maximise their savings while also enjoying a bunch of other conveniences. For starters, you can earn a minimum 15 percent discount while dining out at over 2,500 restaurants across the country through its Culinary Treats Programme. On paying the joining fee of Rs. 3,000, you get welcome vouchers on shopping and travel worth Rs. 5,000.  Subsequently, the annual fee drops to Rs. 2,000 from 2nd year onwards (Waived off on spending more than Rs. 3,00,000 in the previous year). Besides, you also get to enjoy complimentary lounge visits (Airports & Railways), 2 rounds of golf at your preferred golf course, and up to 15,000 PAYBACK Points every anniversary year as well.

8. Kotak Feast Gold Card

If feasting is on your agenda, Kotak Feast Gold Card paves the way for a plethora of dining privileges. This is a handy card to carry in your wallet to cover dining expenses on a regular basis as you’ll earn 10 Dining Points on every Rs. 100 spent on dining & movies (stand-alone outlets)– where 1 point = Rs. 1. However, you’ll need to spend Rs. 5,000 (total purchases) or more within the billing cycle to be eligible. You also need to be mindful that dining points are limited to the first five dining and movie transactions monthly (up to a maximum of 600 dining points) while dining & movie transactions up to Rs. 4000 are eligible for dining points. To sweeten the deal further, this card comes with a low annual fee of Rs. 400.

9. Axis My Zone Card

Axis My Zone Card not only stands out for their high dining benefits but also for rewards on essentials, allowing you to consolidate your wallet. Enjoy up to 20 percent off while dining out at over 4,000 participating restaurants across the country with the Axis Dining Delights program. If you love eating out at KFC, then you’re in for a treat as you can get 15 percent off (on a minimum billing of Rs. 850) as well. As a Welcome Gift, you will get a voucher which allows you to avail Rs. 1,000 off on Myntra (minimum spend Rs. 3,499). 4 Rewards points can be earned on every Rs. 200 spent while you can also enjoy 25 percent cash backs on movies, complimentary lounge access, and fuel surcharge waivers.

10. RBL Bank Cookies Credit Card

RBL Cookies Credit Card is one of the most affordable Credit Cards for food lovers. At nominal joining fee of Rs 500, you enjoy cash back offers & rewards on each swipes. You can save on movies, dining, cab booking, offline & online spends as well as fuel refill with RBL Cookies Card. Some of the attractions include: Rs 500 worth Amazon pay gift card, 2500 rewards points on swiping the card the first month of issuance, entertainment pass after spends of Rs 10000 in a year, dining pass after the spends of Rs 30000 in a year, riding pass on the spends of Rs 75000 in a year and fuel surcharge waiver. Overall you enjoy Rs 1000 cashback @10% 10 times on BookMyShow Movie booking, Rs 1000 cashback @10% 10 times on Zomata orders and Rs 1000 cashback @10% 10 times on Uber rides under these passes. Besides you also enjoy 2 Reward Points for every Rs. 100 spent online and 1 Reward Point for every Rs. 100 spent offline. On achieving milestone of Rs. 1,50,000 spent in a year, you will get free annual Zomato Gold membership.

Also Read: Top 10 Fuel Credit Cards

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