Everything You Need to Know About Credit Card Restaurant Offers

Using credit card restaurant offers can significantly increase your savings if you dine out frequently. These offers include cashback, discounts and reward points depending on the credit card. 

However, credit cards with attractive restaurant offers might have additional fees. Having a better understanding of your spending habits and budget can help you evaluate the financial benefits of these cards effectively.

Perks of a Dining Credit Card

Choose a credit card that offers rewards and discounts on restaurant bills to enjoy savings while dining. To make the most of these benefits, understand the rewards programs listed on your credit card, too. Here are some benefits that such cards offer:

Complimentary Delights: Many restaurants and cafes offer free food, drinks, starters and desserts to certain credit cardholders. If your credit card includes these offers at specific restaurants, make sure that you take advantage of them.

Discounts: Credit cards may provide discounts on your restaurant bill based on the terms set by the restaurant. Discounts can apply to the total bill, food only, or on food and soft beverages.

Your credit card lists the participating dining locations. These may include popular chains, well-known local spots, and other venues. By considering these options, you can make the most of your dining benefits.

Reward Programs: Credit cards with restaurant benefits usually help you earn more reward points on such bills than others. Enjoy the experience of eating at your favourite restaurants while accumulating reward points! 

Cashback: One of the most appealing features is cashback on your restaurant bills. You receive a percentage of the total bill as cashback, which is directly credited to your account. Check the conditions associated with such offers and make sure you fulfil them to reduce your bill. 

Best Credit Card Restaurant Offers

You can choose a credit card that offers the best dining-related perks and rewards. However, it’s crucial to evaluate other associated costs, such as annual fees and joining charges. Compare these details using the information below to make an informed and financially smart decision.

Credit Card Name	Joining Fee	Annual Fee	Key Dining/Restaurant Benefits	Other Benefits
SBI Card PRIME	₹2999 plus taxes	₹2999 plus taxes	On every ₹100 you spend on dining, groceries and more, earn 10 reward points Enjoy pizza at Pizza Hut with a voucher of ₹1,000 on crossing a spending milestone of ₹50000 in a quarter Earn 20 reward points on every ₹100 you spend on your birthday	Enjoy the joining benefit of a gift voucher of ₹3000 and redeem it at participating brands like Shoppers Stop and Bata.  Travel in style with 8 free visits to airport lounges within India
HDFC Regalia Card	₹2500 plus taxes	₹2500 plus taxes	Pay using the Swiggy App at over 20,000 restaurants and save 7.5% with the Good Food Trail program in association with Swiggy Dineout	Spend ₹8 lakhs annually to earn 15,000 bonus points Get 4 points on every ₹150 you spend on eligible retail purchases
Axis Bank My Zone Credit Card	₹500	₹500	Enjoy discounts of up to 15% on participating restaurants via the Dining Delights program Get ₹120 off on Swiggy twice a month to save up to ₹2880 a year	Earn 4 reward points on eligible shopping and entertainment purchases  Enjoy buy one, get one free offers on movie tickets Travel stress-free with 4 complimentary visits to domestic airport lounges
IndusInd Bank EazyDiner Credit Card	₹1999	₹1999	Become an EazyDiner Prime member and get up to 50% off on partner restaurant bills Earn accelerated points on dining bills and redeem them for hotel stays and eating out  Enjoy complimentary beverages at partner restaurants	Save ₹200 on movie tickets every month via BookMyShow  Get a surcharge waiver of 1% on fuel purchases

You can apply for a card with restaurant offers and other dining benefits by meeting basic eligibility criteria and following these steps:

• Visit your nearest credit card provider’s branch or check your options online
• Shortlist credit cards with the best dining benefits and compare their features and costs
• If applying online, fill in the online form and submit the KYC and income documents 
• If applying offline, fill in the application form and submit the needed documents 

Once your application gets approved, you can enjoy credit card restaurant offers associated with your new card. 

These offers can make a big difference as you can save every month. If you dine out frequently, this option can be incredibly beneficial. If you do not have a credit card yet, consider the One Credit Card. It offers deals across brands like McDonalds, Zomato, KFC and more. 

What’s more, you can earn 5X reward points on your top two spending categories, including dining out! Use the powerful One Credit Card App to check restaurant offers near you via GPS and use the app to set spending limits so you are always within budget. You can also benefit from other credit card bill pay perks like setting auto pay and earning points. 

With this stylish metal credit card, you can also get offers on other shopping categories and save more across all your spends. Apply now and enjoy these perks at your fingertips.