Best Dining Credit Cards in India 2023

Discount of up to 20% on dining at participating restaurants.

• Enjoy up to 4 free lounge visits per quarter at selected domestic airports in India and 4 complimentary railway lounge access.
• Complimentary roadside assistance worth ₹1,399.

• Get a Buy 1 Get 1 offer on movie ticket bookings on PayTM app.
• Up to 2 complimentary movie tickets worth ₹250 each per month

• Exclusive 24/7 Concierge Services to book flights, dining and other activities.
• Phone No: 1860 258 2000 (India) 
• Email ID: creditcard@idfcfirstbank.com

Up to 15% discount at 3000+ Health & Wellness outlets.

10X Reward Points on incremental purchases greater than ₹25,000 per billing cycle.

• Gift voucher worth ₹500 after spending ₹5,000 or more within 30 days of card issuance.

• 5% cashback up to ₹1,000 on EMI transactions within the first 90 days.

Insurance cover for:

• Air Accident Cover - ₹1 Crore
• Travel - ₹22,500 
• Accident Cover - ₹5,00,000
• Lost Card Liability - ₹50,000

Note- All these insurance benefits are subject to the bank’s criteria.

1% surcharge waiver on fuel transactions at petrol pumps across India, with a maximum discount of ₹300.

• 10X reward points on expenses over  ₹25,000.
• 10X reward points on transactions made on your birthday.
• 6X reward points on your online purchases.
• 3X reward points on every offline expense.
• 1X = 1 reward points per ₹125 spent.
• Reward Rate = 0.6% to 2%

• Up to 15% discount at over 3000 Health & Wellness outlets.
• Get 4 complimentary Roadside Assistance services across India with Global Assure.
• Services include Towing of a Vehicle, Alternate Battery, Tyre Change, Breakdown support, Taxi Benefit, and Arrangement of fuel, among others.

• 4x Reward Points on every ₹150 spent.
• Reward Rate: 0.67%

1% fuel surcharge waiver at all fuel stations across India, with a maximum benefit of ₹200/month.

• Personal accident cover of ₹2,00,000.
• Card liability cover of ₹25,000.
• Credit shield cover of ₹25,000.
• Purchase protection of ₹25,000.

5% Cashback on the first EMI transaction within 90 days of card activation.

Convert transactions above ₹2,500 into convenient EMI plans.

Note- It can be availed on the bank's OTP page for online transactions and is available for all transactions through the IDFC FIRST Mobile Banking App, excluding jewellery purchases.

20% discount at over 1500 restaurants.

• 24/7 Concierge Services on the IDFC Bank First WOW Credit Card.
• Phone No: 1860 258 2000 (India) 

Email ID: creditcard@idfcfirstbank.com

1% fuel fee waiver at all Indian gas stations, provided the transaction size does not exceed ₹4,000.

5% cashback on the user’s first gasoline purchase of the month. A minimum purchase of ₹2,000 is necessary to take advantage of the deal, and the maximum monthly reward is ₹150.

• For Prime users, rewards worth ₹2,000.
• For Non-Prime Users, rewards worth ₹1500 + 3 months Amazon Prime Membership

• 1 Reward Point = ₹1
• Reward Points transferred as cashback to Amazon Pay balance.
• No expiry date of Reward Points.
• No minimum amount is required for reward redemption.

As part of ICICI Bank’s Culinary Treats program, this card saves users at least 15% on bill payments at all partner restaurants.

• 5% cashback on transactions made at  Amazon for Prime members.
• 3% cashback on transactions for Non-Amazon Prime members.
• 2% cashback on transacting at over 100 Amazon Pay merchant partners on using this card on Amazon Pay.
• 1% cashback on all other payments.

• Counterfeit/lost card liability upto credit limit.
• Purchase protection: ₹2 Lakhs.
• Loss/Delay in baggage & Personal Documents: 500 USD.
• Credit shield: ₹5 Lakhs.

• Fuel surcharge waiver of 1% for transactions between ₹400 to ₹4000 (Capped at ₹400 per month).

50,000 Edge Reward Points on card activation and when the card membership is renewed every year.

• 15 EDGE reward points for every ₹200 spent.
• 2X rewards on international spends.
• Reward Rate: 1.5% to 3%.

Complimentary EazyDiner Prime membership.Savings of upto 25% across premium restaurants.

Note: Benefit is provided only to primary cardholders of Axis Bank Reserve credit card, and the customer has to activate the membership within 6 months of receiving the code.

• Unlimited complimentary international lounge visits for both primary and add-on cardholders along with the Priority Pass membership. 12 complimentary visits in a year for accompanying guests.
• Unlimited complimentary domestic lounge visits for both the primary and add-on cardholders. 

• 8 complimentary VIP Assistance Services for a smooth and hassle-free experience. The services include assistance across airport processes, such as check-in, security check, immigration processes and porter services.
• 4 complimentary luxury airport pick-ups/drops every year.

Note:
• Benefit is capped to 4 complimentary airport transfers per primary cardholder.
• Bookings should be made at least 48 hours before the service time.
• Valid for domestic and international departures/arrivals.

• Buy 1 movie ticket and get upto ₹500 off on the second ticket for a maximum of 5 times a month.
• Buy 1 non-movie ticket and get upto ₹1000 off on the second ticket for a maximum of 5 times a month.
• 50 Complimentary golf rounds every year across the best golf courses in India.

Club ITC Culinaire Membership

• Complimentary third-night stay.
• 50% savings on published room tariff for suites on weekends.
• 25% Green Points on Food & Beverage spends.
• Bouquet of 10 certificates and more.

Accor plus membership

• 1 night complimentary stay across Asia Pacific region.
• Complimentary room upgrade.
• Upto 50% off on dining.
• Complimentary lunch buffet for 2 across Accor hotels in India.

Handcrafted Club Marriott Asia Pacific membership

• 20% off on food and beverage.
• 20% off on the best available rates at participating Marriott hotels in India and on Weekend rates in Asia Pacific.

Exclusive offers at Oberoi hotels and resorts

• 15% savings on Room Only Rate and Room with Breakfast Rate or 3rd Night complimentary, 50% savings on Best Available Rates on suites.

15% savings at Postcard hotels

• 15% off on best available room rate.
• Anytime check in and check out.
• A complimentary lifestyle consultation (applicable at our hotels in Goa).

• A 1% fuel surcharge is waived at all fuel stations throughout the nation.
• The maximum waiver amount is ₹500 per month.
•  Valid on transactions between ₹400 to ₹4000.

• 5% cashback on bill payments via Google pay towards DTH, internet, electricity, gas, etc.
• 1.5% cashback on other spends.

• 4 airport lounge visits every year at certain domestic airports.
• 4% cashback on Ola rides.

• 20% discount on dining bills under the Dining Delight Program, at over 4000 restaurants.
• 4% cashback on Swiggy and Zomato.

Any transaction above ₹2500 on the Axis Bank Ace Credit Card can be converted into EMI easily.

• Seamless upgrade to Elite Tier Memberships.
• Exclusive invitations to VIP events.
• Access to presale tickets for events like Fashion Week, Grammy, Wimbledon etc.

• 25% off at Taj, SeleQtions and Vivanta Hotels.
• Exclusive deals on the world’s finest airlines like Emirates, Qatar Airways, and British Airways.
• Benefits worth ₹37,000 like complimentary room upgrades and late checkouts at the 5 Star hotels.

Note: Hotels and resorts worldwide including the Four Seasons Hotels and Resorts, Mandarin Oriental, The Ritz-Carlton and more.

• 1 Membership Rewards Point for every ₹40 spent
• 3x Membership Rewards Points on all international spends
• 5x Membership Rewards Points on every purchase through Reward Multiplier
• Reward Rate: 1.25% to 2.5%

Access to over 1,300 premium airport lounges globally.

• Coverage of ₹5 Crore for death due to air accidents.
• Coverage of ₹50,000 in case of loss of baggage, documents or passport.
• Complimentary medical insurance for US$ 50,000 for the first 7 days of the trip.
• Protection against loss/damage of tangible goods within the first 90 days caused by fire, burglary or natural calamities.
• Fraud protection worth ₹15 lakhs in case of theft, fraud or an emergency.
• Emergency hotels and travel assistance up to ₹2 lakhs and emergency cash in India.

• Up to 50% off at over 1800 premium restaurants in India.
• Free membership of EazyDiner Prime.
• Complimentary drinks, preferential reservations & 24X7 VIP helpline.

Stay vouchers worth ₹45,000 from Taj, SeleQtions and Vivanta Hotels.

Note: Benefits available on payment of annual fee and spending ₹50,000 in the first 2 months of Card membership.

Enjoy 24X7 Concierge services that assist users with travel reservations and other plans.

Convert transactions of ₹2,500 or more into easy EMI.

• Enjoy the 24/7 Concierge Services to self-book dining, staycation, flights and activities.
• Whatsapp at this number  (+91)(0) 0008 00050 4254 Or visit https://www.concierge-asia.visa.com.

• Exclusive discounts on airport immigration service at over 450 destinations worldwide.
• Discounts on limousine services for airport transfers in more than 3000 cities globally.
• Access to 900+ luxury hotels around the world with premium benefits.
• Roadside assistance worth ₹1,399 all over India up to 4 times annually.

• Low Forex Markup charges at 1.5% on all International transactions.
• Monthly 2 complimentary Golf rounds on a monthly statement of ₹20,000 or more.
• 15% discount at 3000+ health & wellness centres.
• Buy 1 get 1 offer on movie tickets up to ₹500.
  
  Note: The movie offer is valid only on the Paytm app twice a month.

• 10X reward points on all spends above ₹30,000.
• 10X reward points on all spends done on your birthday.
• For all online spends, earn 6X reward points.
• For all offline spends, earn 3X reward points.
• Earn 1X reward point for every ₹100 spent.
• Reward Rate: 0.75% to 2.5%

• 4 free access to the Domestic & International airport lounges every quarter.
• 4 free access to spas and railway lounges every quarter.

• Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card issuance.
• 5% cashback up to ₹1,000 on the first EMI transaction done within 30 days of card issuance.

• Dining discount of up to 20% at over 1500 restaurants.

• Air accident cover of ₹1 crore.
• Personal accident covers of ₹10 lakhs. 
• Lost card liability covers of ₹50,000.
• Comprehensive Travel Insurance of $1,200.
• Note: Travel insurance is valid if there is at least one transaction in the last 30 days via card.

1% fuel surcharge waiver at all fuel stations across India up to ₹400/month.

A dining proposition that provides 25% off up to ₹800 on dining restaurants via EazyDiner.
Valid on minimum order value of ₹2000 and twice per month per card.

5000 EDGE Miles on doing first transaction withing 30 days.

• 5 EDGE Miles per ₹100 spent..
• 2 EDGE Miles on Other Spends per ₹100 spent.
• Airport Concierge Services like check-in, security check, and immigration processes, and porter services.
• 2 free Airport Pickup Services.

Free 8 Domestic and 4 International lounge access for primary card holders and accompanying guests. 
List of lounges

Reward Rate: 2% to 10% in the form of Edge Miles.

Redeem reward points for booking flight tickets/hotels across airlines and choice of hotels.
Note- Members can redeem up to 70% of booking value through reward points. Rest will have to be paid via Credit Card.

• Air accident insurance cover worth ₹2 crore
• Emergency overseas hospitalisation of ₹50 lakh
• Travel Insurance covers up to ₹55,000 on baggage delay beyond 8 hours for international flights, capped at $10/hour.
• Credit Liability Cover of up to ₹9 lakh

• 5 reward points for every ₹150 spent.
• 10X reward points on spends via SmartBuy.
• Reward Rate: 3.33%

Note: 1 Reward Point = ₹1.
The maximum reward points that can be earned in a statement cycle is 75,000.

Up to 50 days of interest-free credit period on your HDFC Bank Diners Club Black Credit Card from the date of purchase.

6 free golf games every quarter across the finest courses in the world.
To book a golf game, reach out to the concierge via:
Call: 1800 118 887 | 022 42320226,
Email:dinersblack.support@smartbuyoffers.co

• Get 2X reward points, i.e. 10 reward points per ₹150 spent on weekend dining, capped at 1000 reward points per day.
• 25% savings off on all your restaurant bill payments via Swiggy Dineout.

10,000 bonus reward points on spends of ₹4 lakh every calendar quarter.

Free annual Club Marriott, Amazon Prime, and Swiggy One membership on spending ₹1.5 lakh within the first 90 days of card issuance. 
 

Unlimited airport lounge access to 1300+ lounges in India and worldwide for primary and add-on card members.

• For Domestic lounges, click here.
• For International lounges, click here.
   

Get Global Personal Concierge 24/7.

• Toll-free: 1800118887
• Landline: 022 42320226
• Email: dinersblack.support@smartbuyoffers.co

Protection against any fraudulent use of the card

Note: Report the loss at customer care immediately at 18605005555 or 18604195555.

• 1 EDGE reward point on every ₹200 spent via Axis Bank Neo Credit Card. To redeem points, check the EDGE rewards catalogue.
• Reward Rate: 0.1%

10% off on Myntra every time you shop on minimum purchase of ₹500.

Facility to convert purchases into EMIs through mobile app, internet banking or customer service.

Note: This is valid for any transaction over ₹2500.

• Amazon gift voucher worth ₹250.
• Zomato voucher worth ₹200.
• Blinkit voucher worth ₹250.
• Pharmeasy 6 months subscription.

Note: Eligible customers will receive the voucher code via SMS on a registered mobile number within 45-60 days of 1st spend.

• 10% off on Blinkit - upto ₹250 off on minimum spend of ₹750, valid once per month.
• 5% off on mobile recharges/ broadband payment/DTH recharge done through Amazon Pay, valid once per month.

• 15% off on dining at partner restaurants.
• Dining Delights Program via EazyDiner.
• 40% off on food delivery at  Zomato.

Note: Minimum Order Value ₹1500

Emergency services and international travel insurance

30% off your bill with EazyDiner up to ₹1,250

Unlimited airport lounge access in India and internationally and 8 international guest visits

• 3 Reward points for every ₹100 you spend
• Reward Rate: 3%

Low forex markup fee of 0.99% with no terms and conditions

 Weekly BOGO offers from BookMyShow

• Epicure membership with offers and benefits across Taj hotels
• Taj Experiences gift card worth ₹12,000
• Complimentary EazyDiner Prime annual membership

Save 1% Fuel Surcharge at any pump, any place 

• Users liability is Nil if the fraud is reported within 3 days.
• Max. liability of ₹1,000 if the fraud is reported beyond 3 days.

E-Gift Card worth ₹10,000 from Taj, Vivanta and SeleQtions Hotels.

2 Complimentary airport lounges per quarter across India.

• Additional Flipkart voucher or ATO benefits worth ₹4,500  on spending  ₹1.90  lakhs.
• Additional Flipkart voucher or ATO benefits worth ₹7,000  on spending  ₹4 lakhs.

Note: ATO benefits mean Amex Travel Online benefits which are applicable on spending done in a card membership year.

10,000 membership points redeemable for Flipkart Voucher or Amex Travel.

Note: Applicable on spending ₹15,000 within 90 days of Card membership.

Flexibility of converting transactions of ₹5,000 or above into easy EMIs.

Up to 20% off at partner restaurants.

Reward Rate: 3% to 7.5%

• Complimentary membership to Priority pass.
• 24x7 Card Related Assistance.
• Emergency Card Replacement.

Missing- EMI Benefit offered by the card.

• 0% fee on fuel transactions of up to ₹5,000 at HPCL outlets.
• 1% fee on fuel transactions of more than ₹5,000 at HPCL outlets.

• 5,000 points upon first card renewal.
• 1,000 points on 4 or more transactions of ₹1,500 or above in a calendar month.
• Reward Rate- 1% to 5%

• Emergency Card Replacement Support.
• 24x7 Card Related Assistance.

Addditional 1,000 points by spending ₹20,000 or more in a calendar month.

Note: This is an enrollment-based benefit. Users have to enrol specifically in this.

Convert transactions of ₹5,000 or more into easy EMIs.

Up to 20% off on dining at partner restaurants.

• No convenience fee for transactions under ₹5,000.
• 1% convenience fee for transactions of ₹5,000 and above.

Note: Applicable only at HPCL outlets in India.

4,000 Bonus Membership Reward Points.

Note: Applicable on payment of joining fee and spending

8 free visits to domestic lounges each year (2 in a quarter)

Note- 

• For Mastercard Cards, ₹25 will be charged and immediately made void at the terminal for verification.
• For Visa/Diners Cards, ₹2 will be charged to the card account as a transaction for verification

Get a 1% waiver on fuel surcharge across all fuel stations in India with a minimum transaction of ₹400 and maximum transaction of ₹5,000. The maximum waiver per statement cycle is ₹250.

1,000 Cash Points applicable only on payment of membership fee.

This card allows the user to convert big spends to EMIs after purchases with a flexible tenure option.

Up to 50 days of interest-free period on your HDFC Bank Millennia Credit Card from the date of purchase.

At a small charge of 3.6% a month, HDFC Bank Millenia Credit Card provides its customers with a revolving credit benefit.

Up to 20% discount on partner restaurants via Swiggy Dineout.
 

In the event of a loss of this card, if informed immediately to the HDFC Bank call centre, any fraudulent transactions made on the card will not be held liable to the card owner.

• 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato.
• 1% cashback on all online and offline spending, including EMI & wallet transactions except fuel.

5% cashback on flights and hotel reservations made with the card. The maximum cashback monthly is ₹1,000 for the first six months and ₹750 after that.

100% cashback up to ₹250 on all fuel transactions.

Note: This is a one-time offer and valid only for the first 30 days of card issuance.

1% value back on online shopping by earning 5 reward points per ₹100 spent.

Note: Transact at online merchants between ₹100 and ₹5000 to avail of the order.

Instant discount of up to 10% on movie ticket booking via the BookMyShow app or website.

Fuel surcharge waiver of 1% at any fuel outlet in India.

Note: The offer is available for transactions between ₹200 and ₹5000. Maximum waiver of ₹50 per statement cycle.

• 20 Reward Points on every ₹100 spent at IOCL fuel outlets.
• 5 Reward Points on every ₹100 spent on online shopping.
• 1 EDGE Point per ₹100 on all other spends with the card.
• Reward Rate: 0.2% to 4%

Get up to 15% discount at the partner restaurants in India.

Note: Capped to ₹500.

• Personal accident covers of ₹2 lakhs.
• Lost card liability covers of ₹25,000.

Note: Valid on doing at least one transaction using a card in the last 30 days.

15% discount at health & wellness outlets.

• Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card issuance. 
• 5% cashback (up to ₹1,000) on EMI transactions done within the first 90 days of card issuance.

Dining discount of up to 20% at over 1500 restaurants.

1% fuel surcharge waiver at all fuel stations across India up to ₹200/month.

4 complimentary Railway lounge visits per quarter.

Convert transactions of ₹2500 or more into easy EMI.

• 10X reward points every time your expenses reach ₹20,000.
• 10X reward points on transactions that you make on your birthday.
• 6X reward points on every online purchase.
• 3X reward points on all your offline expenses.
• 1 reward point when you spend ₹100 on your credit card.
• Reward Rate: 0.5% to 1.67%

 The cardholders have 24x7 concierge services on offer to take care of your needs related to travel, hotel reservations, and delivery of movie tickets at your doorstep. 

1% waiver on fuel surcharge

Note: Valid on a maximum expenditure of ₹4,000 per transaction at all HPCL pumps.

A discount of 25% on a minimum purchase of two movie tickets per transaction on BookMyShow.

Note- The offer is available twice a month.

• 2 Reward Points on every ₹100 spent on your card (except fuel).
• 1 Reward Point on every ₹100 spent on utilities and insurance categories.

 20% discount (up to ₹750) on a minimum bill value of ₹3000 at EazyDiner.

1 complimentary access to domestic airport lounges per quarter by spending a minimum of ₹5,000 or above on the card in the previous calendar quarter.

The card offers air accident insurance of up to ₹3 crore. 

• Buy One Get One Free on movie tickets
  • Get 100% discount on the second movie ticket at Paytm Movies with your MY ZONE Credit Card
  • Maximum discount in a calendar month per customer is limited to ₹200.
  • Use coupon code AXIS200 to avail the benefit
  • No reward points are earned on movie transactions
• SonyLiv Membership worth ₹999 on first spend within first 30 days of issuance.

• 1% fuel surcharge waiver for fuel transactions made at any fuel station in India.
• The exemption applies to card purchases between ₹400 and ₹4,000. The maximum fee waiver for each billing cycle is ₹400.

• 4 EDGE reward points on every ₹200 spent.
• Reward Rate- 0.4%

Convert your transactions of ₹2,500 and above into EMIs

One Complimentary lounge access per quarter within India.

• 40% off on food delivery on Swiggy with a cap of ₹120 per order at a minimum spend of ₹200, applicable 4 times a month.

• Dining Delights with Eazy Diner
  • 15% off up to ₹500
  • Minimum Order Value ₹1500
  • Valid twice per card per month

₹1000 off at AJIO on a minimum spend of ₹2999, using coupon code AJIOAXISMZ.

• Counterfeit/lost card liability upto credit limit
• Purchase protection: ₹2 Lakhs
• Loss/Delay in baggage & Personal Documents: 500 USD
• Credit shield: ₹5 Lakhs

Buy one ticket and get up to ₹500 off on the second ticket for a maximum of 5 movie/non-movie bookings in a month.

• 24x7 dedicated Concierge Services on flight bookings, table reservations, gift deliveries and more.
• Avail of special VIP assistance services for a smooth and hassle-free airport transfer.

Fuel surcharge waiver of 1% for transactions between ₹400 to ₹4000.
 

Domestic Lounge Access

• Unlimited free access to domestic lounges annually, applicable to both primary and add-on cardholders.

International Lounge Access

• Unlimited free access to international lounges annually with Priority Pass.
• Complimentary 8 international lounge access for guests.
   

• Annual fee waiver on spend of ₹25 lakhs in the preceding year.
• Healthcare packages and a range of privileges with SRL diagnostics, Dr. Lal PathLab and Metropolis.
• Expert medical opinion from a panel of world-class specialists at leading institutions.
• Virtual health assistance including tele-consultation, health coaching, home quarantine programs, personalized oncology care and more.

• Enjoy 8 complimentary end-to-end VIP services at the airport.
• Global Travel and Medical Assistance like legal & medical service referral, emergency evacuation, etc.
• Reduced mark-up fee of 2% on foreign transactions.

Enjoy up to 40% discount at over 4,000 restaurants across India.

Choose any one voucher worth ₹12,500 from below options:

Luxe gift card or The Postcard Hotels gift voucher or Yatra gift voucher

• Earn 12 Axis EDGE Reward Points on spends of every ₹200 up to ₹1.5 lakh.
• 35 EDGE Reward points per ₹200 on incremental spends above ₹1.50 lakh.
• 5X EDGE Rewards on travel spends via Travel Edge.
• 2 partner miles for every 5 EDGE Reward points across 19 travel partners.
• Reward Rate: 1.25% to 6%

• Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card issuance.
• 5% cash back on the first EMI transaction within 90 days of card issuance.

• Exclusive 24/7 Concierge Services to book flights, dining and other activities.
• Phone No: 1860 258 2000 (India) 
• Email ID: creditcard@idfcfirstbank.com

• ₹2 lakh insurance policy in the event of the cardholder's accidental demise.
• Coverage of ₹25,000 is offered for missing cards. 

Free 16 Railway lounge visits annually (4 per quarter).

1% fuel surcharge waiver at all fuel stations across India up to ₹200/month.

Note: Applicable only on transaction values between ₹200 & ₹5000.

• Up to 4 times yearly, users receive free roadside assistance worth ₹1,399.
• Up to 15% off is available at more than 3000 Health & Wellness locations.

10x reward points on all spending above ₹20,000.
6X & 3X Reward Points on online & offline purchases respectively for spends up to ₹20,000 per month.
Reward Rate: 0.5% to 1.6%

Note: Reward Points are not awarded for transactions like fuel purchases, EMI transactions, loan payments, and cash withdrawals.

Get up to 20% off on meals at one of more than 1,500 restaurants.

• Enjoy the 24/7 Concierge Services to self-book dining, staycation, flights and activities.
• Phone number: 1800 102 7274
• Email: scb.priority@aspirelifestyles.com

• 20% off on domestic flight bookings with Yatra.com with a max discount of ₹750.
• 10% discount on international flight bookings with a max discount of ₹10,000.
• Up to 25% off domestic hotel bookings with a maximum discount of ₹4,000. Offer valid for 1 transaction per category in a quarter calendar. Use promo code DIGISMART.
• 15% cashback on cab booking with Ola with a max discount of ₹600 per month.

BOGO offer on movie ticket bookings at INOX with a max discount of ₹200 per transaction. Offer valid on Saturdays & Sundays only and can be used for a max of 2 transactions per month.

Avail the EMI facility on transactions above ₹2,000, which can be accessed through the internet or mobile banking.

Up to 10% off on food orders with Zomato with a max discount of ₹150 per transaction. There is no limit on the minimum purchase amount, and the offer is valid on 5 transactions per calendar month.

• 20% off at Myntra with no minimum spend. Valid on 1 transaction per month up to a maximum discount of ₹700.
• Enter promo code DIGISMART and get 10% off on Grofers with no minimum spend. This offer is valid for five transactions per month, with a monthly discount maximum of ₹1,000. 

2 Complimentary lounge access per quarter at selected airports in selected Indian cities.

Insurance cover of up to ₹1 lakh for loss of travel documents, and delay or loss of check-in baggage.

• 4 Club Vistara Points for every ₹200 spent.
• Reward Rate: Up to 4%

25% discount of up to ₹800 at partner restaurants across India.

3000 Bonus Club Vistara points on spending ₹75000 within 90 days from card issuance.

Get up to 4 complimentary Premium Economy tickets in a year as milestone benefit.

The user can contact the bank to convert a big credit purchase into EMIs on any transaction over ₹2,500.

A complimentary premium economy class ticket voucher after paying the joining fee. 

Note: This is a one-way base fare waived ticker voucher.

• 3 complimentary rounds of golf at some of the destinations across India.
• Complimentary Club Vistara Silver Membership.
• Benefits include priority check-in and additional baggage allowance on fee payment. 

Note: The card will be issued within 10 working days of paying the joining/annual payment.

Spend ₹50,000 and above in each calendar quarter and get ₹500 worth of gift vouchers.

HDFC Bank Moneyback Credit Card comes with a feature of Smart EMI, where major spending can be divided into small EMI amounts after purchases.

1% fuel surcharge waiver (with a cap of ₹250 per statement cycle) at a minimum spend of ₹400 to a maximum spend of ₹5000.

• Earn 2 Reward Points on every ₹150 spent (Excluding fuel transactions, wallets loads/prepaid card loads & voucher purchases)
• Earn 2X Reward Points, i.e. 4 Reward Points on every ₹150 spent online.
• Every quarter, get a gift voucher worth ₹500 on spends of ₹50,000. Earn up to ₹2,000 worth of gift vouchers in a year.
• Reward Rate: up to 0.5%

• Get up to 20% savings off on all your restaurant bill payments via Swiggy Dineout (20k + restaurants) (Offer inclusive of Restaurant and Swiggy Discount).
• Offer valid only on payments done via Swiggy App.

On payment of the joining or renewal cost, the user gets 500 Cash Points as a welcome and renewal reward.

From the date of purchase, the HDFC Bank MoneyBack Credit Card offers an interest-free credit period of up to 50 days.

HDFC Bank offers Zero Liability Protection against fraudulent credit card transactions if the loss is reported quickly and within a certain time frame to the 24-hour HDFC Bank Customer helpline.

Get up to 20% savings on all your restaurant bill payments via Swiggy Dineout.

• Accidental air death cover worth ₹1 Crore
• Emergency overseas hospitalization: up to ₹15 lakhs
• Credit Liability cover: Up to ₹9 Lakhs  

• Gift Voucher equivalent to Fee Amount  = ₹2,500
• Free Club Vistara Silver Tier and MMT Black Elite Membership when you spend ₹1 Lakh and above within 90 days of card issuance. 

12 free lounge access within India (both at domestic and international terminals) using the HDFC Bank Regalia Gold Credit Card.

If you report the loss of your HDFC Bank Regalia Gold Credit Card to our 24-hour call centre right away, you will not be held responsible for any unauthorised purchases made with your Credit Card.

• ₹1500 worth vouchers from Marriott, Myntra, Marks & Spencer or Reliance Digital when you spend ₹1.5 Lakhs in every calendar quarter.
• ₹5000 worth flight vouchers when you spend ₹5 Lakhs spends in an anniversary year 
• Additional ₹5,000 worth flight vouchers when you spend ₹7.5 Lakhs spends in an anniversary year. 

• Earn 4 Reward Points on every ₹150 retail spends, including Insurance, Utilities and Education​
• Earn 20 Reward Points on every ₹150 retail spend at Marks & Spencer, Myntra, Reliance Digital, and Nykaa.
• Reward Rate: 1.3% to 13%.

1,500 Edge Reward Points on spending ₹30,000 per statement cycle

• Purchase Protection Cover up to ₹1 lakh
• Cover of $300 of delay in check-in baggage and loss of travel documents
• Credit Shield of ₹1 lakh

Click here for the cover and claim procedure.

5,000 EDGE Reward Points on spending ₹1,000 or more within 30 days of card issuance.

2 free domestic lounge access per quarter
Click here for the list of lounges.

• 2 Edge Reward Points on every ₹125 spent
• 10x Reward Points on every ₹125 spent on apparel and departmental stores
• Accelerated Reward Points on spending ₹7,000 or more per month
• Reward Rate: 0.3% to 3.3%

1% fuel surcharge waiver on transactions between ₹400 to ₹5,000

• 30% off on Swiggy for food delivery
• 15% off with Dining Delights Program at partner restaurants

Note: 

• Maximum discount is capped at ₹150 per order
• You can avail of the discount up to 2 times a month
• Offer is applicable on minimum transaction of ₹200 per order

Bouquet of membership up to ₹1,000 every anniversary year.

Note: The bank will communicate the bouquet of benefits once you repay the minimum due amount.

50 days of interest free period on your HDFC Bank Moneyback+ Credit Card from the date of purchase.

500 Cash Points in exchange for paying the joining fee.

20% savings on all your restaurant bill payments via Swiggy Dineout.

1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle)

₹500 gift voucher on spends on ₹50,000 per calendar quarter.

• 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy.
• 5X CashPoints on EMI spends at merchant locations.
• 2 CashPoints per ₹150 spent on other spends excluding fuel, wallets loads/prepaid card loads, and voucher purchases.
• Reward Rate: 3.3%

If you lose your HDFC Bank Moneyback+ Credit Card, please call our 24-hour call centre right away to report it. If you report the loss right away, you are not responsible for any fraudulent credit card purchases. 

• Discount of 20% up to ₹80 on orders above ₹299 on Domino's valid 2 times in a month
• Discount of 10% up to ₹100 on orders above ₹299 via Zomato

10% off on flights or hotels up to ₹500 on transaction value above ₹5,000, valid once per quarter via EaseMyTrip

25% discount up to ₹100 on the purchase of movie tickets on the Paytm Mobile App. The offer can be availed once a month.

 4 free railway lounge access in a calendar quarter to participating lounges in India

Fuel surcharge waiver of 1% at all fuel stations across India, up to ₹200/month. Applicable only on transaction values between ₹200 & ₹5,000.

• 200 Reward Points on spending ₹5,000 monthly
• 500 Reward Points on monthly spend of ₹10,000
• 1,000 Reward Points on monthly spend of ₹15,000
• Reward Rate: 1% to 1.6%

10% instant discount up to ₹100 on purchases over ₹999 in TataCliQ, valid once per month

• 1,000 Reward Points on 1st successful EMI transaction within the first 30 days from card issuance
• 1-year Times Prime Membership on spending of a minimum ₹30,000 or more within the first 90 days of credit card issuance
• Free Lenskart Gold Membership for 1 year on payment of joining fee

Buy 1, get 1 movie ticket on BookMyShow and INOX.
Note: Users can avail of only 2 movie tickets worth ₹250 per month.

Save 1% fuel surcharge at HPCL outlets.

• ₹500 MMT Cash
• MakeMyTrip holiday voucher worth ₹3,000

Note: Benefits are to be credited within 45 business days after the payment of the joining fee. 

• ₹100 off Swiggy on a minimum order of ₹700.
• 15% off up to ₹750 at EazyDiner.
• Discount under Culinary Treats Programme.

Note: Swiggy offer is valid only on net banking transactions.

1% fuel surcharge waiver for transactions worth ₹400 to ₹4,000 (maximum waiver of ₹400 in a month).

• 5% cashback on Flipkart.
• 4% cashback on PVR, Uber, Swiggy, Cleartrip, Cult.fit, Tata Play.
• 1.5% cashback on Myntra and all other categories.
• The cashback is credited to the credit card statement directly.

4 complimentary domestic lounge visits every year.

All major purchases above ₹2500 can be converted into EMI after the purchase at a low rate of interest.

• 5% cashback on Flipkart.
• 4% cashback on Preferred Merchants.

Up to 15% discount at 10,000+ partner restaurants with EazyDiner.

• ₹500 Flipkart voucher on first transaction.
• 50% instant discount up to ₹100 on Swiggy.

Receive comprehensive insurance coverage with this card, including:

• Accidental air death coverage of ₹2.5 crores.
• Purchase protection coverage of ₹1 lakh.
• Loss of travel documents coverage of up to US $300.
• Lost/delayed baggage coverage of up to US $500.
• Credit Shield coverage of ₹1 lakh.

Fuel surcharge waiver of 1% on transactions between ₹400 and ₹4,000 at all fuel stations in India, with a monthly maximum waiver of ₹400.
Note-  Service tax charged on fuel surcharge is non-refundable. No reward points are earned on fuel transactions.

• 3,000 EDGE Reward Points every year upon card renewal.
• Reward Rate: up to 5%

Get the best of dining experiences with ₹1000 off & more via Axis Bank Dining Delights Program with EazyDiner.

2 complimentary lounge visits per calendar quarter to select domestic airport lounges.

• 2X rewards boost on EDGE Reward Points.
• EDGE Reward Points can be converted into shopping/travel vouchers worth double their value by spending ₹2.5 lakhs in a year.

• 12,500 EDGE Reward Points upon card issuance, redeemable for multi-brand vouchers worth ₹5,000. ( T&C: Make 3 transactions of minimum ₹200 within the first 60 days to earn these points.)
• Priority banking customers can earn an additional welcome bonus of 6,250 Edge.

• Personal Accident Cover of ₹2,00,000
• Lost Card Liability Cover of ₹25,000

• Free roadside assistance worth ₹1,399 four times a year
• ₹500 discount with Zoomcar rentals
• Up to 50% discount on domestic and international rental cars with Eco Rent-A-Car and Europcar

• For every ₹150 spent, you earn:

  • 24x Reward Points on HPCL Fuel & LPG

  • 30x Reward Points on Grocery & Utility and IDFC FASTag recharge

  • 3x Reward Points on other retail transactions

• 1 Reward Point = ₹0.25

• Reward Rate- 0.5% to 5%

Up to 6.5% savings on your fuel expenses:

• 4% savings as Rewards on HPCL fuel & LPG expenses of up to ₹10,000 every month 
• 1.5% savings as Payback Rewards through HP Pay App fueling up to ₹5,000 every month 
• 1% savings as fuel surcharge waiver on fuel expenses of up to ₹20,000 every month

₹150 discount on orders above ₹500 on Swiggy

• Interest-free cash withdrawal
• Free add-on card

• ₹500 cashback on 1st transaction of ₹500 or above at HPCL fuel station
• 5% cashback up to ₹1,000 on the first EMI transaction

Free domestic airport lounge access, once every quarter, on minimum monthly spends of ₹5,000

25% off on movie tickets up to ₹100, once every month

• 24x7 Card Related Assistance.
• Emergency Card Replacement.
• No pre-set limit to spend. 

Note: No pre-set limit means users don’t have to worry about the credit limit while making purchases and transactions get approved based on their finances, credit record, spending pattern and account history.

1,000 bonus points on 6 transactions of ₹1,000 every month.

• 1 reward point on every ₹50 spent on fuel.
• 0% fee on fuel transactions of up to ₹5,000 at HPCL outlets.
• 1% fee on fuel transactions of more than ₹5,000 at HPCL outlets.

4,000 bonus points on spending ₹10,000 within the first 90 days of card generation.

• 5x reward points on every purchase through “Reward Multiplier”.
• 1 point on every ₹50 spent on fuel and utilities.'
• Reward Rate: 1% to 6%

Note: Utilities include electricity, gas and water.

• Complimentary room upgrade facility at selected hotels.
• US$100 hotel credit for staying at over 400 hotels worldwide.

Note: Hotel credit applies to spending 2 consecutive nights at selected hotels.

• User liability is Nil if the fraud is reported within 3 days.
• Max. liability of ₹1,000 if the fraud is reported beyond 3 days.

Up to 20% off at partner restaurants.

 20% instant savings up to ₹1000 on a minimum transaction of ₹4000 on eating out through the EazyDiner Mobile App and Website.

Various discounts and offers available with partnered retailers across categories like fashion, lifestyle, health etc.

No liability of the cardholder in case of fraudulent transactions done using this credit card if the loss or theft of the card is reported to the bank within the prescribed time period.

• 5% cashback on movie ticket purchases.
• 5% cashback on telephone bill payments.
• 5% cashback on utility bill payments.
• 0.5% cashback on all other spends.
• 5% cashback on a monthly spend of ₹4000, capped to ₹100 per month per category.

25% savings off on all your restaurant bill payments via Swiggy Dineout (20k + restaurants), Offer inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done Swiggy App.

With the HDFC Bank Diners Club Black Credit Card, you can change your large purchases into smaller monthly payments after you buy them.

Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members. 
For Domestic Lounges, click here.
For International Lounges, click here.

All Diners Black card members can select any two monthly milestone benefits from a choice cult.fit Live 1- month subscription or BookMyShow or TataCLiQ or Ola cabs vouchers worth ₹500 every month provided your net spend ₹80,000 in a calendar month.

Find and book your flights and hotels easily! You can choose from over 150 airlines and various hotels in India and abroad at smartbuy.

• Get 6 free golf games every quarter at over 15 golf courses in India and over 100 golf courses worldwide on Diners Black Credit Card.
  For Domestic Golf Courses details, click here.
  International Golf Courses, click here

• Exclusive discounts at leading spas, salons, gyms and other wellness retreats. Click here to view details.

Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Diners Club Black Credit Card.
Call:1800118887 / Landline - 022 42320226

• Air accident insurance cover worth ₹2 crore
• Emergency overseas hospitalisation: ₹50 Lacs
• Travel Insurance Cover of up to ₹55,000 on baggage delay 
  (Capped to 10$ per hour restricted to 8 hours)                                                                 
• Credit Liability Cover of up to ₹9 Lakh

Up to 50 days of interest-free credit period on your HDFC Bank Diners Club Black Credit Card from the date of purchase.

1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400. Max CashBack of ₹1000 per statement cycle)

• Earn 5 Reward Points for every ₹150/- retail spent.
• Upto 10X Reward Points on spends via SmartBuy.
• 2X Reward Points on weekend dining.
• Reward Rate- 3.3% to 33%.

Free annual memberships of Forbes Digital Subscription, Club Marriott, Swiggy One (3 months), MakeMyTrip Black Elite Tier and Amazon Prime on payment of the joining fee or by spending ₹1.5 lakhs within the first 90 days.

15% discount on selected restaurants.

Amazon voucher worth ₹500 on spending ₹1,000 within first 30 days.

• Credit shield cover of ₹1 lakh
• Lost card liability cover of ₹1.3 lakh

• 8 Reward Points for every ₹200 spent on travel and dining
• 4 Reward Points for all categories
• 2 Reward Points on selected categories
• Reward Rate: 0.5% to 1%

1% surcharge waiver for transactions between ₹400 to ₹5,000.

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000

Note: Maximum waiver of ₹4,000 per month. 

• Up to 3% cashback on food deliveries, entertainment and local commute
• 1% cashback on all other spending

15% off via Axis Dining Delights at 10,000+ partner restaurants across India

4 free domestic lounge access per calendar year
To view the list of lounges, click here.

Amazon voucher worth ₹500 on your first transaction.

20% off at 4000+ partner restaurants via EazyDiner.

1% fuel surcharge waiver valid on transactions between ₹400 to ₹4,000.

• 25% cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments via Airtel Thanks app.
• 10% cashback on utility bill payments
• 10% cashback on Swiggy, Zomato and BigBasket
• 1% cashback on all other spends

4 free lounge visits per year at selected domestic airports. 

• 1% fuel surcharge reversal on fuel purchase.
• 4 points on every ₹150 spent on fuel purchases.
• Reward Rate: 1.3% to 2.6%

Note: Fuel benefits can be availed only at selected Indian Oil Outlets.

Up to 20% off on selected partner restaurants.

250 points on the first spend within 30 days of card issuance.

Ease of converting significant purchases into easy EMI.

• Annual Fee waived on the spending of ₹30,000 or more.
• Instant loans can be availed against this credit card.

• 2 points per ₹150 spent on groceries and supermarkets.
• 1 point per ₹150 spent on all other expenses besides fuel.

Note: Points at groceries & supermarkets are capped at worth ₹5,000 per statement cycle.

Get assistance from a travel & lifestyle specialist to create a customised travel plan.

Redeem miles points for flight bookings, transfer them to partner airlines and hotels, or double rewards as a member of an airline's frequent flyer program.

• Personal accident insurance cover worth ₹1 crore and a lost card liability cover worth ₹10 lakh. 
• The insurance applies only in case of loss of life due to an air accident, and only the primary cardholder is covered.

Reward Rate: 1.8%

Savour the finest flavours with up to 20% off on dining bills at select partner restaurants.

Receive 10,000 miles as a welcome benefit if you spend ₹1,000 or more on your Citi PremierMiles Card within 60 days of card issuance.
This offer is not applicable if the card is closed due to inactivity within 30 days of card issuance.

• Personal concierge services with the Citi PremierMiles Card - plan parties, send gifts, make reservations, and more with ease.
• Phone:1800-114-999
• Email: head.customercare@citi.com. 

• 6 domestic lounge access/quarter with MasterCard variant.
• 8 domestic lounge access/quarter with Visa Signature variant.