Dining Credit Cards in India

Benefits of Dining Credit Cards

If you're a foodie and enjoy exploring various food destinations, you must select a credit card that offers exclusive dining privileges. Not all credit cards come with offers on dining spends, hence make sure to have a card that offers exclusive dining benefits.

Listed below are various benefits offered by dining credit cards.

• Discounts at select restaurants: Use the credit card at any one of the restaurants listed by the bank and avail 10% to 15% discount on your bill value. The discount offer is typically available at most of the restaurant brands, popular restaurants in your city and other local food points. All you need to know is to find the restaurant that offers the best discounts on your dining credit card and make the most of it.
• Accelerated reward points: Dining credit cards also allow cardholders to earn 10 to 15 times more reward points than the regular spends. Besides enjoying the food at a discounted price, you can also have the privilege of earning more reward points in less transactions.
• Cashback offers: Another interesting feature of dining credit cards is the cashback offer. If your credit cards offers cash back, a percentage of the dining bill amount will be credited back to your account allowing you to enjoy your favourite food at lesser price.
• Complimentary rewards: Some dining credit cards also offer complimentary drinks, beverages and starters. Cardholders need to present the card to avail the complimentary benefits.

Top Banks Offering Dining Offers on Credit Cards

Here is a list of the top dining credit cards:

How to Apply for Dining Credit Card Online?

Once you’ve chosen the type of dining credit card that suits your spending preferences, you can conveniently apply for it through online channels. While multiple platforms offer online credit card applications, using an authorised and reliable source is important to ensure a smooth and secure process.

There are two primary authorised ways to apply online: directly through the bank’s official website or via trusted third-party financial platforms. Each option follows a different application process, which is explained in detail below.

Apply Through Bank's Website

If your credit card issuer is allowing an online application, you can visit the bank website, fill out the required online form and submit the same to avail the credit card. Follow the steps mentioned below to know the detailed procedure to apply for a dining credit card online.

Steps to apply for dining credit cards online

• Visit official website of the credit card issuer
• Go to the dining credit card page
• Find 'Apply' button and click on it to visit the online application page
• Fill all the fields with accurate information and click on 'Submit'

As soon as you submit the application form, a reference number will be generated. Make a note of it and use it for future queries, if any.

Once the bank receives your application, it will review the same and if your profile seems suitable for the applied credit card, you are likely to receive a call in 3-4 working days. After verifying your details, you will be informed about the next step in the application process. More likely you will be told about the required documents to process the application and an appointment will be scheduled to collect the same.

Upon receiving the documents, your card will be processed in 7-10 business days provided if you clear the bank's verification process. To check how far your application has been processed, you can use the application ID to track your credit card application status online.

Apply Through BankBazaar Website

BankBazaar is one of the trusted financial service providers that offers an online platform to shop, compare and apply for various financial products including credit cards online. While specific bank websites only provide access to their own credit cards, BankBazaar, on the other hand, acts as a marketplace offering credit cards of various brands. Visitors can compare various cards and choose the best in the dining category through the BankBazaar website. Below are instructions to apply for a dining credit card through BankBazaar.

Steps to apply for dining credit card through BankBazaar

• Visit BankBazaar at www.bankbazaar.com
• From the main menu, select 'Credit Cards'
• Select the category as dining and access the list of dining credit cards
• Select one card that best suits your needs and click on 'Check Eligibility' option
• Enter the details as required to check your eligibility for the selected card
• If your profile matches the eligibility criteria set by the bank, you will be redirected to the online application page
• On the online application page, fill all the required details and click on 'Submit'
• On successful submission of the application, an 'Application ID' will be generated. Retain the same and use it if you have any queries regarding your application

You can also know the status of your credit card application submitted through BankBazaar using the 'Track Application' feature available on the company's website.

Eligibility for Dining Credit Cards

Eligibility to apply for a dining credit card varies from bank to bank and from one credit card to another. You can check the bank's website to know the card specific eligibility. Listed below is the basic requirement to apply for a dining credit card.

• Applicant should be a resident of India
• Either salaried or self-employed
• Should have a decent credit score (Not applicable for first time borrowers)
• Minimum age of the applicant - 21 years and maximum age - 60 years

Documents Required to Apply for Dining Credit Cards

The required documents to apply for a dining credit card vary from one credit card to another. Some minimum documents required by many banks are mentioned below.

• Copy of identity proof such as Aadhaar card, passport, etc.
• Copy of PAN card
• Two months salary slips or IT Returns
• Copy of address proof document such as Voter's ID, Aadhaar, driving licence, electricity bill, etc., whichever holds your current address
• One passport size photograph
• Duly signed-in application

Summary

Dining credit cards in India help frequent diners cut restaurant costs through discounts, cashback, accelerated reward points and complimentary offers at partner outlets. Cards from SBI, HDFC Bank, Axis Bank and the co-branded EazyDiner IndusInd Bank Credit Card each combine a different mix of these benefits, so comparing annual fees and offers is worthwhile before choosing one. Check your eligibility and apply for a dining credit card online through the issuing bank's website or through BankBazaar.

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