Best HDFC Bank Credit Cards for Dining 2025

Up to 10% Reward on Tata Brands via Tata Neu App

1. 5% Reward on Partner Tata Brands via the Tata Neu App (5 NeuCoins worth ₹5, per ₹100 spent)

2. Additional 5% Reward on Select Tata Brands, as Tata NeuPass Member (5 NeuCoins worth ₹5, per ₹100 spent)

• NeuPass members earn an extra 5 NeuCoins per ₹100, on select Tata brands via the Tata Neu App. 
• Requires downloading the Tata Neu App and registering for NeuPass. 

5% Reward on Bill Payments via Tata Neu App (5 NeuCoins worth ₹5, per ₹100) 

1.50% Reward on Other Card Purchases (1.5 NeuCoins worth ₹1.50, per ₹100) 

1.50% Reward on UPI Spends (RuPay Card)

• 1.5 NeuCoins worth ₹1.50, per ₹100 
• Capped at 500 NeuCoins per month

Value of Reward Points & Redemption

• Reward points earned as NeuCoins
• NeuCoins can be redeemed offline and online at partner Tata brands
• Conversion Rate: 1 NeuCoin = ₹1

Excluded Transactions (No Rewards)

• Fuel purchases & rental transactions
• Government-related payments & wallet loads
• Gift card, prepaid card & voucher purchases
• Education payments through third-party apps 
• Online gaming & betting transactions
• Cash advances & cash withdrawals
• Credit card bill payments, card fees & charges

Participating Tata brands include: 

• Shopping: BigBasket (groceries), Croma (electronics), Westside & Tata Cliq (fashion), Titan/Tanishq (watches, eyewear, jewelry). 
• Travel: Air India, Air India Express (flights), Taj, Ginger, Vivanta, Seleqtions (hotels). 
• Others: Tata Play (entertainment), Cult Fit (fitness), Tata 1mg (healthcare), QMin (food delivery).

Airport Lounge Access

• International: 1 complimentary visit per quarter. 
• Domestic: 2 complimentary visits per quarter. 

From June 10, 2025: Domestic lounge access requires ₹50,000 spend per calendar quarter.

Fuel Surcharge Waiver

• 1% waiver on fuel transactions between ₹400–₹5,000, up to ₹500 per month.

Complimentary Insurance Benefits

• Accidental air death cover: ₹1 crore. 
• Emergency overseas hospitalization: Up to ₹15 lakh. 
• Lost card liability protection: Up to ₹9 lakh.

HDFC Smartbuy Platform Rewards (Up to 6% Cashback)

• 6% Cashback on Hotels
• 1.5% Cashback on Other Travel: Flight booking, IRCTC train tickets, RedBus bus tickets. 
• 1.5% Cashback on Gift Vouchers 
• Select Partners: Flipkart (1.5%), Apple (1.5%), IGP.com (6%). 
• Maximum cashback: ₹1,000 per month, credited as NeuCoins (1 NeuCoin = ₹1).
• NeuCoin Redemption: Redeem at Tata brands (online and offline stores/hotels).

▶︎ 10% cashback on Swiggy apps: 

• Food delivery orders 
• Instamart grocery shopping   
• Dineout restaurant bookings 
• Genie delivery services

Monthly cashback limit: ₹1,500 (reached at ₹15,000 spending)

Important exclusions: Cashback is not given on Swiggy Money wallet, Swiggy liquor, and Swiggy minis

▶︎ 5% cashback on online purchases including Amazon and Flipkart:

• Large online discount stores like Flipkart, Amazon, Meesho, and Ajio.
• Department stores, apparel, and home decor
• Electronics
• Local cabs
• Entertainment
• Pharmacies & personal care
• Online pet stores 

Monthly cashback limit: ₹1,500 (reached at ₹30,000 spending)

Important exclusions: 

• Cashback will not be given on any grocery purchases and gift card purchases in the above categories.
• Starting 10th May 2025 onwards, grocery transactions on Amazon and Flipkart (MCC 5411) will also earn 5% cashback

▶︎ 1% basic cashback benefit on all other card spends 

Monthly cashback limit: ₹500 (reached at ₹50,000 spending)

Important exclusions: No cashback is given on fuel purchases, rent payments, government-related transactions, jewellery, wallet transactions, EMI transactions

▶︎ Welcome offer: Up to 12 Month complimentary Swiggy One membership

• All new customers get a 3 month Swiggy One membership
• Customers who apply through the Swiggy app receive extra 9 months of Swiggy One Membership

▶︎ Complimentary golf

• 4 free golf rounds per year (maximum 1 per month) 
• 1 free golf lesson per month
  

▶︎ 5% cashback at Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, BookMyShow, Sony LIV, Cult.fit, and Uber

• Monthly cashback limit: ₹1,000 (reached at ₹20,000 spending)
• Note: Gift card/prepaid cards & voucher purchases earn 1% cashback.

▶︎ 1% cashback on other card spends 

Monthly cashback limit - ₹1000, reached at ₹1 lakh spending

Important exclusions include -

• Fuel transactions
• EMI transactions
• Rent payments
• Government transactions
• Wallet loads 
• Education payments through third-party apps

▶︎ Quarterly Milestone Benefit: Spend ₹1 lakh per quarter and choose:

• ₹1,000 gift vouchers from select brands, OR
• Dreamsfolks airport lounge access voucher

▶︎ Up to 10% cashback on travel, shopping, and more – through HDFC Smartbuy platform (maximum cashback of ₹1,000 per month)

• 5% cashback on travel spends: flight bookings, hotel bookings, and bus tickets through RedBus or MakeMyTrip holiday packages.
• 5% cashback on various gift vouchers: shopping, travel, dining, entertainment, and more.
• 5% cashback at select partners: Myntra, Apple Imagine Tresor, Nykaa, and Zoom Car.
• 10% cashback at select partners: Pharmeasy, IGP, and Jockey.

▶︎ 1% fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹400 and ₹5,000

3.3% cashback at select partners (Amazon || Flipkart || BigBasket || Reliance Smart Superstore || Swiggy), on total purchases up to ₹18750 per month

• Earn 13.3 cash points worth ₹3.3, on every ₹100 you spend at these partners (non EMI spends).
• This benefit is applicable only on total purchases up to ₹18,750 per month (since you can earn a maximum of 2500 bonus cash points per month)
• 1 CashPoint = ₹0.25, and can be redeemed as cashback against your credit card statement balance

0.33% cashback on all other card spends

• Earn 1.33 CashPoints worth 33 paise, on every ₹100 you spend on all other card purchases.
• 1 CashPoint = ₹0.25, and can be redeemed as cashback against your credit card statement balance
• Exceptions: No cashback is given on fuel purchases, rent payments, government-related transactions, EMI transactions, wallet load, gift card /prepaid card loads, voucher transactions , payment of outstanding balances, payment of card fees and other charges.

Up to 1% additional reward at ₹50,000 quarterly card spend (milestone benefit): Earn gift vouchers worth ₹500, at ₹50,000 quarterly card spend = 1% reward

Up to 10% cashback on travel, shopping and more – through HDFC Smartbuy platform (maximum cashback of ₹1000 per month)

• 5% cashback on travel spends : flight bookings || hotel bookings || bus tickets, through RedBus || MakeMyTrip holiday packages
• 5% cashback on a variety of gift vouchers : shopping || travel || dining || entertainment and more
• 5% cashback at select partners : Myntra || Apple Imagine Tresor || Nykaa || Zoom Car
• 10% cashback at select partners : Pharmeasy || IGP || Jockey

1% fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹400 and ₹5000

5% cashback on Paytm (prepaid recharges, utilities, movie tickets, mini app)

• 5 cashpoints worth ₹5, per ₹100 spent 
• Monthly cashback limit: ₹1500, reached at ₹30000 monthly spend

3% cashback on Swiggy, Ajio, Big Basket, Uber

• 3 cashpoints worth ₹3, per ₹100 spent
• Monthly cashback limit: ₹500, reached at ₹16,666 monthly spend

1% cashback on other spends

• 1 cashpoints worth ₹1, per ₹100 spent
• Monthly cashback limit: ₹2000, reached at ₹2 lakh monthly spend

Important exclusions & restrictions 

• No cashback on wallet loads, fuel, EMI, rent, online skill based gaming transactions, government spending
• Maximum 1000 reward points on grocery purchases
• Maximum 2000 reward points on insurance spends

Upto 1% reward on quarterly spending milestone (₹50,000)

• ₹500 cashback, on ₹50,000 quarterly spend (1% reward)
• Eligible spends: Non-EMI, non-wallet and non-rental card spends

Domestic airport lounge access: 2 visits per quarter

Fuel surcharge waiver at all fuel stations

• On fuel transactions between ₹400 and ₹5000
• Monthly waiver limit: ₹500

Up to 7% reward on Tata Neu App, on partner Tata Brands

• 2% reward on partner Tata brands on Tata Neu app || 2% reward on bill payments through Tata Neu : You earn 2 NeuCoins worth ₹2, on every ₹100 you spend. This is valid only on non-EMI spends on Tata Neu.
• Additional 5% reward on select Tata brands on Tata Neu app, as a Tata Neu Pass member : As a NeuPass member, you earn additional 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu (on select categories). You need to download the Tata Neu App and register for Tata NeuPass.

Some of the Tata brands on Tata Neu-

• Shopping : BigBasket (grocery), Croma (electronics), Westside & Tata Cliq (fashion), Titan/Tanishq (watches, eyewear & jewellery)
• Flights : Air India, Air India Express
• Hotels : Taj, Ginger, Vivanta, Seleqtions, Ama
  
• Others : Tata Play (entertainment), Cult Fit (fitness), Tata 1 mg (healthcare), Q Min (food delivery)

1% reward on all other card purchases : You earn 1 NeuCoins worth ₹1, on every ₹100 you spend on all other card purchases

1% reward on UPI spends (on Rupay card version) : You earn 1 NeuCoins worth ₹1, on every ₹100 you spend on UPI payments – capped at a maximum of 500 NeuCoins per calendar month.

Up to 4% cashback on travel, shopping and more – through HDFC Smartbuy platform (maximum cashback of ₹1000 per month)

• 4% cashback on hotel spends : hotel bookings via MakeMyTrip || hotel bookings via Cleartrip
• 1% cashback on other travel spends : flight bookings (via Cleartrip, EaseMyTrip & Goibibo) || IRCTC train tickets || bus tickets, through RedBus
• 1% cashback on a variety of gift vouchers : shopping || travel || dining || entertainment and more
• Upto 4% cashback at select partners : Flipkart – 1% cashback || Apple - 1% cashback || IGP.com, ZoomCar, Pharmeasy, Jockey, Nykaa, Myntra, MMT Holiday Packages – 4% cashback
• Cashback is given in the form of NeuCoins. 1 NeuCoin = ₹1. You can redeem NeuCoins at various Tata brands, both online and at stores/ hotels (offline)

Complimentary visits to airport lounges in India – 1 time per quarter

• Starting June 10, 2025, cardholders will only be able to access domestic airport lounges if they spend ₹50,000 or more in a calendar quarter

1% fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹400 and ₹5000

Up to 13.3% reward through HDFC Smartbuy Platform

• (10X) 13.3% reward: Hotels, select partners (Jockey, Pharmeasy, IGP.com)
• (5X) 6.6% reward: Flights, bus tickets, MakeMyTrip holiday packages, gift vouchers, select partners (Apple, Myntra, Nykaa, Zoom Car)
• (3X) 4% reward: IRCTC train tickets
• Monthly limit: 4000 reward points, reached at monthly spend between ₹16,666 and ₹75000, depending on spending mix.

1.3% reward on other card spends

• Exceptions: No reward points on rent, government transactions, fuel, EMI, e-wallet loading

Reward Point Values:

• ₹0.50 per point: Flight/hotel bookings, privilege dining catalogue
• ₹0.35 per point: Reward redemption catalogue
• ₹0.20 per point: Cashback redemption

Note: Reward rates shown above assume optimal redemption for travel bookings

6.6% reward at direct partners

• Swiggy/Zomato: 6.6% rewards (not through SmartBuy platform)
• Monthly limit: 2500 reward points, reached at ₹18,750 monthly spend

Up to 1% additional reward through quarterly milestone

• ₹1.50 lakh spend: ₹1,500 voucher (1% additional reward)
• Voucher options: Marriott, Decathlon, Barbeque Nation, O2 Spa, Lakme Salon

Domestic & international airport lounge access: 2 visits per quarter (both primary and add-on cardholders)

BookMyShow weekend movie offer

• BOGO weekend tickets (Friday-Sunday shows)
• 2 free tickets per month (up to ₹250 per ticket)

Comprehensive Insurance

• Air accident: ₹1 crore coverage
• Overseas hospitalization: ₹25 lakh emergency coverage
• Travel insurance: USD 800 baggage delay (USD 10/hour, 8-hour cap)
• Lost card liability: ₹9 lakh protection

5% cashback (up to ₹500 per month) on any 2 of the below categories-

• Dining & entertainment category – BookMyShow & Zomato
• Travel category – MakeMyTrip & Uber
• Grocery category – Blinkit & Reliance Smart Bazaar
• Electronics category – Croma & Reliance Digital
• Fashion category – Nykaa & Myntra

- You get 5 PIXEL CashPoints, on every ₹100 you spend on your card in the 2 categories of your choice. 1 PIXEL CashPoint = ₹1

- Cashback is given in the form of PIXEL CashPoints in HDFC PayZapp wallet, and can be used to purchase brand vouchers inside the HDFC Payzapp app

3% cashback  (up to ₹500 per month) on any one of the following e-commerce merchants : Amazon or Flipkart or PayZapp

• Earn 3 PIXEL CashPoints, on every ₹100 you spend on the merchant you choose. 
• 1 PIXEL CashPoint = ₹1

1% cashback on all other card spends

• You get 1 PIXEL CashPoints, on every ₹100 you spend on all other card spends. 1 PIXEL CashPoint = ₹1
• Exceptions : No reward points are given on the following spends - fuel, EMI, rent, e-wallet loads, government related transactions.

5% cashback (up to ₹500 per month) through HDFC Smartbuy platform on the following merchants and categories-

• IGP
• Flights
• Hotels
• Bus
• Rail
• Instant Vouchers
• Apple Imagine Tresor

1% fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹400 and ₹5000 

5.3% reward (in Marriott Bonvoy Points) on Marriott hotel spends up to ₹10 lakhs per month 

• Earn 5.3 Marriott Bonvoy Points, on every ₹100 you spend in this category (non-EMI spends)
• You can redeem Marriott Bonvoy points to book a stay at properties participating in Marriott Bonvoy (excluding Homes & Villas by Marriott Bonvoy), Marriott Bonvoy Moments™ experiences, travel and more.

2.6% reward (in Marriott Bonvoy Points) on:

• Travel (excluding Marriott hotels) spends 
• Dining & entertainment spends up to ₹5 lakhs per month
• 2.6 Marriott Bonvoy Points, on every ₹100 spent in these categories (non-EMI spends).

1.3% reward (in Marriott Bonvoy Points) on other spends up to ₹1.50 lakhs per month

• Earn 1.3 Marriott Bonvoy Points, on every ₹100 you spend on all other card purchases
• Exceptions : Marriott Bonvoy Points are not given on the following card spends - fuel, rent, government transactions, EMI transactions, wallet loads, gift/prepaid card loads, voucher purchases, cash advances on card, payment of card balances, card fee & charges.

Milestone benefits based on specified annual card spends

• 1 free night award, at ₹6 lakh yearly card spend
• 1 free night award, at ₹9 lakh yearly card spend
• 1 free night award, at ₹15 lakh yearly card spend
• Each free night award is valid for 12 months, and can be redeemed for a one-night stay (inclusive of room rate and applicable taxes), at hotels participating in Marriott Bonvoy with a redemption level up to 15,000 Marriott Bonvoy Points.

Complimentary domestic airport lounge access – 12 per year

Complimentary international airport lounge access – 12 per year

Complimentary golf rounds across the world - 2 per quarter

Complimentary insurance benefits

• Emergency medical expenses up to US$18,750
• Loss liability cover of up to ₹9 lakh
• Credit shield of up to ₹1 lakh
• Air accident cover of up to US$12,500
• Delay or loss of checked-in baggage cover of up to US$250
• Loss of travel documents cover of up to US$250
• Flight delay cover of up to US$250