Love Dining Out? These Credit Cards Give the Best Discounts on Food Bills in India
- didoskeletonthough
- 2 days ago
- 9 min read
Are you a foodie who can't resist trying that new rooftop restaurant or ordering in from Swiggy late at night? In 2025, with dining costs soaring amid inflation, smart Indians are turning to the best credit cards for dining out in India to slash their food bills by up to 50%. Imagine getting 20% off at premium spots or 10% cashback on every Zomato order—without lifting a finger beyond swiping your card. Whether you're into fine dining, casual takeaways, or food delivery, these cards turn your meals into money-savers.
Topics:
Why invest in Credit Cards for dinning out?
Top 9 Credit Cards for saving on dining out, restaurant orders, cashback, Rewards
Pro-Tips to maximize your discounts
Apply & Save
This blog includes- Dining-specific credit cards, best restaurant credit cards with exclusive perks, & tips to maximize rewards. Plus, I've included affiliate links for easy applications—click through to grab the welcome bonuses worth thousands! (Tip: Always check eligibility and pay bills on time to avoid 3-3.5% monthly interest.)
Quote: “A great meal tastes better when your credit card brings the discounts to the table.”
Why Invest in the Best Credit Cards for Restaurants in 2025?
Dining out isn't just fun—it's a ₹2 lakh+ annual expense for many urban households.
Reasons to apply:
Cashback & Rewards: 5-10% back on bills, redeemable as vouchers or statement credits.
Exclusive Discounts: Up to 50% off at 3,000+ partner eateries via apps like EazyDiner or Swiggy Dineout.
Welcome Bonuses: Free memberships (e.g., Swiggy One) or vouchers on signup.
Low/No Fees: Many waive annual charges on modest spends.
Credit cards can help save you ₹10,000-20,000 yearly. But not all cards are equal—focus on your habits (delivery vs. dine-in) and credit score (700+ ideal). Ready to eat smarter? Let's dive into the top picks.
“Swipe smart, live rich — because every meal can be a reward when you pay with purpose.”
Top 9 Best Credit Cards for Dining Out and Food Discounts in India 2025
The ranking is based on reward rates, discount depth, fees, user reviews from online sources, personal experience & my favorite- friends & relative reviews. Each includes pros, cons, and how to apply via affiliate links for bonuses.
Let’s look at the best credit cards in India that give the biggest benefits on dining and food spends.
1. HDFC Diners Club Privilege Credit Card – Best for Premium Dining Discounts
Perfect for fine-diners craving upscale experiences, this card shines with partnerships like Swiggy Dineout & Good Food Trail.
Key Dining Perks: Up to 20% off on dining via Swiggy Dineout; 15% savings at 1,000+ premium restaurants (Good Food Trail); 20 reward points per ₹150 on Swiggy/Zomato (worth ~4% value).
Annual Fee: ₹1,000 (joining/renewal; waived on ₹3 lakh annual spends).
Welcome Bonus: Complimentary Swiggy One & Times Prime memberships (worth ₹3,000+) on ₹75,000 spends in 90 days.
Other Rewards: 10X points on SmartBuy portal; BOGO movie tickets on BookMyShow.
Maximize It: Use for weekend brunches—redeem points for Taj vouchers.
Pros: Global acceptance, lounge access (2 international/quarter).
Cons: Higher fee if spends are low.
Apply Now & Check Latest Features for HDFC Diners Club Privilege – Get ₹1,500 Vouchers!
HDFC Diners Club Credit Card: https://bitli.in/oyVLven
2. Swiggy HDFC Bank Credit Card – Top for Food Delivery Discounts
If Swiggy is your go-to for biryanis and burgers, this co-branded gem offers unbeatable cashback on app spends.
Key Dining Perks: 10% cashback (up to ₹1,500/month) on Swiggy food, Instamart, Dineout, and Genie; 5% on other online orders.
Annual Fee: ₹500 (waived on ₹2 lakh annual spends).
Welcome Bonus: 3-month free Swiggy One membership (₹1,199 value) on activation.
Other Rewards: Up to ₹3,500 monthly cashback cap; 1% on offline spends.
Maximize It: Pair with Swiggy Dineout for in-restaurant deals—save ₹18,000/year on frequent orders.
Pros: Lifetime-relevant for delivery addicts; low fee.
Cons: Limited to Swiggy ecosystem.
Apply Now & Check Latest Features for Swiggy HDFC Card – Unlock Free Swiggy One!
Swiggy HDFC Bank Credit Card: https://bitli.in/P8lc6yq
3. EazyDiner IndusInd Bank Credit Card – Ultimate for Restaurant Bill Cuts
For those who love scouting deals on EazyDiner, this card unlocks massive off-menu savings at 3,000+ spots.
Key Dining Perks: Up to 50% off (via 12-month free EazyDiner Prime, worth ₹2,495); extra 25% off (up to ₹1,000) on bills at partners; 10 reward points/₹100 on dining.
Annual Fee: ₹1,999.
Welcome Bonus: 2,000 EazyPoints + ₹5,000 Postcard Hotel voucher.
Other Rewards: 3X EazyPoints on all spends; 2 free movie tickets/month.
Maximize It: Book via PayEazy app for complimentary drinks—ideal for group dinners.
Pros: Broad restaurant network (including Dubai); lounge visits.
Cons: App-dependent for max discounts.
Apply Now & Check Latest Features for EazyDiner IndusInd Card – Score 50% Off Today!
IndusInd Bank Credit Cards: https://inr.deals/NUwK1g
“Dining out is fun. Saving while dining out? That’s financial freedom with flavor.”
4. HSBC Live+ Credit Card – Best Budget-Friendly Dining Cashback
A no-fuss option for casual eaters, blending dining cashback with everyday perks.
Key Dining Perks: 10% cashback (up to ₹1,000/month) on dining, food delivery, and groceries; 15% off at partner restaurants via Live+ Dining Programme.
Annual Fee: ₹999 (waived on ₹2 lakh spends).
Welcome Bonus: ₹1,000 cashback on ₹20,000 spends in 30 days.
Other Rewards: Unlimited 1.5% cashback elsewhere; 4 lounge visits/year.
Maximize It: Use for Zomato/Swiggy hybrids—easy ₹12,000 annual savings.
Pros: Versatile for groceries too; quick waiver.
Cons: Lower cap on high spends.
Apply Now & Check Latest Features for HSBC Live+ – Claim Your ₹1,000 Bonus!
HSBC Live+ Credit Card: https://bitli.in/BahJHHz
5. SBI Card Elite – Premium Pick for Luxury Foodie Perks
For high-rollers, this card elevates dining with elite discounts and milestones.
Key Dining Perks: Up to 25% off at 300+ premium restaurants (SBI Prime Dining Privileges); 10 reward points/₹100 on groceries/dining.
Annual Fee: ₹4,999 (reversed on ₹10 lakh spends).
Welcome Bonus: Free Club Vistara Silver & Trident Privilege memberships.
Other Rewards: BOGO movie tickets; concierge for reservations.
Maximize It: Hit quarterly spends for ₹1,500 vouchers at Barbeque Nation.
Pros: Travel add-ons; high redemption value.
Cons: Steep fee for low-spenders.
Apply Now & Check Latest Features for SBI Card Elite – Enjoy 25% Off Elite Dining!
SBI Card ELite: https://bitli.in/8t2cExy
6. Axis Bank My Zone Credit Card – Great for Everyday Dining Deals
Ideal for young professionals enjoying casual meals and movies, this entry-level card packs affordable dining perks.
Key Dining Perks: 15% off up to ₹500 on minimum ₹1,500 bills via EazyDiner (twice monthly); minimum 15% off at Axis Bank Dining Delights partner restaurants across India.
Annual Fee: Lifetime free (or ₹500 joining/renewal, often waived).
Welcome Bonus: Complimentary SonyLIV Premium membership on activation.
Other Rewards: 4 EDGE points per ₹200 on general spends; BOGO movie tickets on BookMyShow (up to ₹250/ticket, twice monthly).
Maximize It: Stack EazyDiner deals with weekend outings—save ₹6,000/year on casual dining.
Pros: Low/no fee; versatile for entertainment too.
Cons: Caps on discounts limit high bills.
Apply Now & Check Latest Features for Axis Bank My Zone – Grab Free SonyLIV & Dining Discounts!
Axis Bank My Zone Credit Card: https://bitli.in/X45tNCV
“Life’s too short to skip dessert — especially when your card gives you 20% off.”
7. SBI Prime Credit Card – Balanced Rewards for Frequent Diners
A solid mid-tier choice for those balancing dining with groceries and travel, offering accelerated points on meals.
Key Dining Perks: 10 reward points per ₹100 on dining (2% value); up to 25% off at 300+ premium restaurants via SBI Prime Dining Privileges.
Annual Fee: ₹2,999 (waived on ₹3 lakh annual spends).
Welcome Bonus: ₹3,000 gift voucher (Yatra, Bata, etc.) on approval.
Other Rewards: Milestone vouchers up to ₹11,000/year; 8 domestic lounge visits.
Maximize It: Redeem points as cashback for family dinners—earn ₹5,000+ in rewards annually.
Pros: High utility rewards; easy fee reversal.
Cons: Points expire after 3 years.
Apply Now & Check Latest Features for SBI Prime – Unlock ₹3,000 Voucher & Dining Perks!
SBI Prime Credit Card: https://bitli.in/r3mzxbc
8. ICICI Coral Credit Card – Entry-Level Winner for Restaurant Savings
Perfect for beginners building credit while saving on everyday eats, with broad partner coverage.
Key Dining Perks: 15%+ off at 2,500+ restaurants via ICICI Culinary Treats Programme; extra ₹350 off on EazyDiner (min ₹4,000, Fri-Sun); deals on Swiggy/Zomato.
Annual Fee: ₹500 (waived on ₹1.5 lakh spends).
Welcome Bonus: Up to 2,000 reward points on first spends.
Other Rewards: 2 points per ₹100 on retail; 25% off movie tickets on BookMyShow/INOX.
Maximize It: Use for chain restaurants like Pizza Hut—combine with app offers for 30%+ savings.
Pros: Low fee; lounge access (1/quarter).
Cons: Lower rewards on non-retail spends.
Apply Now & Check Latest Features for ICICI Coral – Score 15% Off at 2,500+ Spots!
ICICI Bank Credit Card: https://bitli.in/z6FZhq9
“Turn every food craving into cashback — because rewards are the new dessert.”
9. RBL Insignia Preferred Banking Credit Card – Luxury Dining for HNIs
For high-net-worth individuals seeking elite culinary experiences, this waived-fee card (for preferred clients) delivers premium cuts.
Key Dining Perks: Up to 50% off at partner restaurants; exclusive dining discounts via concierge and lifestyle programs.
Annual Fee: ₹7,000 (fully waived for Insignia Preferred Banking customers with ₹30 lakh relationship).
Welcome Bonus: Milestone vouchers (e.g., ₹5,000 on ₹5 lakh spends).
Other Rewards: Unlimited lounge access; golf lessons; Accor Plus membership.
Maximize It: Book via concierge for bespoke reservations—ideal for special occasions, saving ₹15,000+ yearly.
Pros: No fee for qualifiers; global perks.
Cons: Invite-only for full waiver.
Apply Now & Check Latest Features for RBL Insignia – Elite 50% Dining Discounts Await!
RBL Insignia Credit Card: https://bitli.in/hBiK5Zk
“Luxury isn’t about spending more, it’s about saving smartly on what you love.”
Card Name | Annual Fee (Waiver) | Dining Cashback/Discount | Welcome Bonus Value | Best For |
HDFC Diners Club Privilege | ₹1,000 (₹3L) | 20% off + 4% points | ₹3,000+ memberships | Fine Dining |
Swiggy HDFC | ₹500 (₹2L) | 10% on Swiggy | ₹1,199 membership | Delivery Lovers |
EazyDiner IndusInd | ₹1,999 | Up to 50% off | ₹7,495 perks | Deal Hunters |
HSBC Live+ | ₹999 (₹2L) | 10% cashback | ₹1,000 cashback | Budget Diners |
SBI Card Elite | ₹4,999 (₹10L) | 25% off premium | ₹5,000+ memberships | Luxury Foodies |
Axis Bank My Zone | Lifetime Free | 15% off EazyDiner | SonyLIV free | Casual Eaters |
SBI Prime | ₹2,999 (₹3L) | 25% off + 2% points | ₹3,000 voucher | Frequent Diners |
ICICI Coral | ₹500 (₹1.5L) | 15%+ off 2,500+ spots | 2,000 points | Beginners |
RBL Insignia Preferred | ₹7,000 (Waived) | Up to 50% off | Milestone vouchers | HNIs |
“Good food fills your belly, a good credit card fills your wallet too.”
Pro Tips to Maximize Your Food Bill Discounts in 2025:
Track Partners: Apps like EazyDiner or Swiggy Dineout list 2,000+ venues—bookmark for weekends.
Combine Offers: Stack card discounts with restaurant promos (e.g., 20% card + 10% app = 30% off). Eg: Use Zomato or Swiggy + Axis My Zone Card for double discounts. Book via EazyDiner + HDFC Diners to earn points + get discounts. Pay via UPI-linked credit card (if supported) to earn extra cashback
Redeem Smartly: Convert points to vouchers for higher value (e.g., 1 point = ₹0.50-1 on dining).
Avoid Pitfalls: Watch forex fees (2-3.5%) for international cuisine; maintain 750+ CIBIL score for approvals.
Sustainability Angle: Some cards (like HSBC) partner with eco-friendly eateries—eat green and save!
“Don’t just dine out — dine smart. Let your card work while you enjoy the flavor.”
Ready to Dine and Save? Apply Today!
If you love dining out but hate the bill shock, these best credit cards for food discounts in India 2025 are your secret weapon. Start with the Swiggy HDFC for easy wins or go premium with HDFC Diners Club Privilege.
Click the affiliate links above to apply securely—many offer instant approvals & bonuses worth ₹5,000+. What's your go-to dish?
This blog includes - Top 9 Credit Cards, add your favorite card to the list and make it Top 10! Share your card & Subscribe for more credit card tips.
“Feast without fear — your credit card’s got the tab covered in rewards.”
Bon appétit—and Happy Swiping!
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