India’s dining culture is growing, with consumers increasingly seeking more than just exceptional cuisine. With the rise in going out culture across all tier I cities and tier II cities, there has been an increase in demand for cards that offer incentives on spending along with discounts.
Here are the top five credit cards, listed by BankBazaar.com, that are more suited for dining in 2025.
ICICI Emeralde Private Metal Credit Card
This card is ideal for those who prefer luxury and exclusivity. This card offers access to Mastercard’s Culinary Club, giving discounts at over 350 elite restaurants across 16 cities.
Advantages:
One-year complimentary Taj Epicure membership
12,500 bonus reward points upon activation
12-month EazyDiner Prime Membership
Assured 25–50 per cent discounts at more than 3,000 restaurants in India and Dubai
Special occasion perks, such as complimentary desserts at select venues
Rs 6,000 EaseMyTrip travel voucher annually
HSBC Privé Credit Card
HSBC Privé Credit Card is an invitation-only card specifically made for HSBC’s private banking clientele base. This Mastercard delivers offer perks across dining, travel, and lifestyle.
Advantages:
This credit card comes with a free tasting menu for cardholders at Michelin-starred restaurants or premier chain hotels
HSBC Privé Credit Card also comes with access to private clubs, exclusive lounges, and premium workspaces worldwide across Asia, Australia, Europe, and the US
Additionally, it gives complimentary airport lounge access, luxury limousine transfers, as well as elite hotel privileges
HDFC Diners Club Privilege Credit Card
This card by HDFC Bank, is suitable for those who are into gourmet dining and want to maximise rewards on culinary spending.
Advantages:
Redeemable points for high-value rewards via the Exclusive Privilege Dining Catalogue on the Smartbuy platform
The card offers up to 5X reward points on instant voucher purchases, including Taj Experiences
It also comes with a voucher of Rs 1,500 which can be used for premium outlets including Marriott, Decathlon, Barbeque Nation, O2 Spa, or Lakme Salon upon quarterly spending of Rs 1.5 lakh
IndusInd Bank Crest Credit Card
This card caters to individuals seeking premium experiences, offering a blend of travel, dining, and wellness benefits.
Advantages:
25 per cent off on food and beverages for up to four guests and 50 per cent off on buffet dining for two at participating ITC hotels via Club ITC Culinaire
The card comes along with three complimentary golf sessions every month
It also gives the cardholder LoungeKey membership access to exclusive international airport lounges
American Express Platinum Card
A hallmark of luxury and convenience, this card is a top choice for those seeking premium dining privileges.
Advantages:
Cardholders can earn up to 50 per cent off on dining bills at over 120 high-end restaurants in Tier I cities, including Delhi-NCR, Mumbai, Bengaluru, Chennai, and Kolkata
This card also offers ‘Diner Dines Free’ benefits at select restaurants like Whiskey Samba and Antares
This card also gives EazyDiner membership for Platinum cardholders, along with 2X EazyPoints on dining transactions
It also offers 24/7 VIP concierge service at over 2,000 premium restaurants across India.
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