Are you one of those who loves to host parties or go out frequently with friends? Having a card with the best credit card restaurant offers can be hugely beneficial in such a scenario. While searching for the perfect dining credit card, look into parameters such as:

• Which platform/s they have collaborated/partnered with
• What are the discounts and deals they offer 
• What benefits they offer for online food delivery and dine-in
• Whether they have a joining or renewal fee; if yes, how much
• What are the additional perks of that credit card

Answering these questions will help you select the credit card that works best for you based on your preferences and the dining platforms and services you use. 

What is a Dining Rewards Credit Card?

Let’s understand what exactly a dining rewards card means. It is a type of credit card that offers bigger rewards and cashback when you order food in or eat out. Such credit cards may be associated with dining apps, delivery platforms or hotel chains. Using such a card to pay for meals can be helpful in getting discounts from partner restaurants and apps. 

How Does a Dining Credit Card Work?

Before selecting a dining card, ensure that the credit card you choose collaborates with: 

• Platforms that you usually access
• Restaurants you frequently visit

This will help you earn points every time you swipe your card for purchasing food online or offline at partner restaurants. The process is very simple: 

• Book a table at the partner restaurant or order in from the app
• Pay your bill with the dining credit card
• Earn points as soon as the payment is made

There are several types of rewards you can unlock by using your dining credit card, such as:

• Cashback
• Reward points
• Loyalty points which can be redeemed at partner restaurants
• Access to various dining memberships 
• Discounts on the bill 
• Freebies 

Best Dining Rewards Credit Cards in India

Look at the table below to pick the card best suited for you. Some of the best dining reward credit cards are:

How to Choose the Best Dining Credit Card?

In India, many credit cards have dining offers. But how to know which card will help you get maximum benefits? Before you apply for a credit card, make a note of your requirements and spending patterns to make an informed decision. The best thing you can do is a cost-benefit analysis. 

Keep the following aspects in mind before you select a card:

• Dining Discounts

Choose a card which has offers that suit your preferences. The card should give you flexible options for ordering in or eating out. If you are likely to order in from Zomato if it has better restaurants and deals in your locality, there’s no point going for a card that gives you memberships related to Swiggy. Similarly, get a card with a free membership program to restaurants you actually go to or plan to visit. It is the only way you will actually save and benefit. 

• Card Charges

Ensure that you look at the fee that will be charged for usage. The advantages must outweigh the joining fees and annual charges. If not, there’s no point in investing in the card. 

• Additional Deals

Most dining credit cards come with added benefits, such as travel perks and fuel surcharge waivers, to name a few. Choose a credit card that has features from which you can benefit over and above dining expenses. 

• Offers

Most credit cards offer reward points, miles or cashback. Make sure you know how reward points convert into rupees to maximise your savings. Take a look at all of these to give yourself the biggest bang for the buck.  

• Perks

Look out for credit cards that offer you complimentary beverages, starters or desserts. Keep an eye on the current credit card restaurant offers, so you get an idea of what kind of deals you can look forward to. 

If you’re looking for a credit card with dining benefits, consider the One Credit Card. Whether it is fast food or biryani that you’re in the mood for, this card offers great savings! It also offers a great rewards program with lucrative seasonal deals and discounts without any annual or joining fee.

You can earn 5X rewards on your top two spending categories – including dining! Using the powerful One Credit Card mobile application, you can find offers around you via GPS and manage your card like a pro. Apply online to enjoy the benefits of this stylish metal credit card.