HDFC Bank Dining Offers Credit Cards in India 2026

Upto 10% benefit on Tata Neu App, on partner Tata Brands
✔︎ 5% benefit on partner Tata brands on Tata Neu app: You earn 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu. This is valid only on non-EMI spends on Tata Neu.
✔︎ Additional 5% benefit 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.

5% special benefit on select Tata brands, outside Tata Neu App 
– You earn 5 NeuCoins worth ₹5, on every ₹100 you spend on partner Tata brands (if you spend directly online/offline at these outlets).
– This is valid only on non-EMI purchases.

1.50% basic benefit on all other card purchases : You earn 1.50 NeuCoins worth ₹1.50, on every ₹100 you spend on all other card purchases

1.50% benefit on UPI spends (on Rupay card version) : You earn 1.50 NeuCoins worth ₹1.50, on every ₹100 you spend on UPI payments – capped at a maximum of 500 NeuCoins per calendar month.

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

Complimentary visits to airport lounges in India – 2 times per quarter 

1% fuel surcharge waiver, upto ₹500 per month 
You get a 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹50,000 per month (since the waiver amount is capped at  ₹500 per monthly card statement cycle)

Complimentary insurance benefits
– Accidental air death cover worth ₹1 Crore,
– Emergency overseas hospitalisation coverage of up to ₹15 lakhs
– Lost card liability cover of up to ₹9 lakhs

Benefits
– Good card choice for those who like to shop at various Tata brands
– Complimentary airport lounge access both in India and abroad
– 1.50% rewards even on UPI spends, on Rupay variant of the card

Drawbacks
– Attractive benefits are restricted to only Tata brands, hence it does not give cardholders a wide choice to spend and earn rewards

10% cashback on Swiggy apps : Food ordering || Instamart || Dineout || Genie – on purchases upto ₹15000 per month
– You earn ₹10 cashback, on every ₹100 you spend on Swiggy (food ordering, Instamart, Dineout, and Genie)
– This is valid only on purchases upto ₹15,000 per month, since this special cashback is capped at ₹1500 per monthly card statement cycle.
– Exceptions : Cashback not applicable on Swiggy Money wallet, Swiggy liquor, and Swiggy minis.
– Cashback is earned as Swiggy Money in your Swiggy account, and can used as cash on the Swiggy app only on the following Swiggy platforms – Food ordering || Instamart || Dineout || Genie .
– Swiggy Money expires after 1 year from the date of earning. Cashback is not given on transactions under ₹100

5% cashback on online purchases across various categories including Amazon and Flipkart – on purchases upto ₹30,000 per month
✔︎ You can earn ₹5 cashback, on every ₹100 you spend on online purchases across various categories given below, 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
✔︎ This is valid only on purchases upto ₹30,000 per month, since this special cashback is capped at ₹1500 per monthly card statement cycle.
✔︎ Exception : Cashback will not be given on any grocery purchases and gift card purchases.
✔︎ Cashback is earned as Swiggy Money in your Swiggy account, and can used as cash on the Swiggy app, as explained in the point above.

1% basic cashback benefit on all other card spends – on purchases upto ₹50,000 per month
– You earn ₹1, on every ₹100 you spend on all other purchases –
– This is valid only on purchases upto ₹50,000 per month, since this cashback is capped at ₹500 per card statement cycle.
– Exceptions : No cashback is given on fuel purchases, rent payments, government-related transactions, jewellery, wallet transactions, EMI transactions

Benefits
– 10% cashback on various Swiggy services
– 5% cashback at important stores including Amazon, Flipkart, etc – catering to diverse needs

Drawbacks
– You need to be a regular Swiggy user, since all cashback is earned in the form of Swiggy Money, which can only be redeemed on Swiggy.

5% cashback at a variety of partners – Amazon || Flipkart || Myntra || Tata CLiQ || Swiggy || Zomato || BookMyShow || Sony LIV || Cult.fit || Uber
– You earn ₹5 cashback, on every ₹100 you spend at these 10 partners – only on total purchases upto ₹20,000 per month.
– Exceptions : 1% cashback is given on – EMI transactions (at merchant location), wallet loads, gift card/ prepaid card loads & voucher purchases.

1% cashback on all other card spends
– You earn ₹1 cashback, on every ₹100 you spend on all other purchases – only on purchases upto ₹1 lakh per month
– Exceptions : No cashback is given on fuel purchases, rent payments, government-related transactions, post facto EMI transactions (Smart EMI, Dial an EMI).
For full list of terms and conditions, please click here – HDFC Millenia Terms & Conditions

Upto 1% additional milestone benefits : You get gift vouchers worth ₹1000, at ₹1 lakh quarterly card spend

1% fuel surcharge waiver, upto ₹250 per month
– You get fuel surcharge waiver at all fuel stations
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25000 per month (since the waiver amount is limited to ₹250 per month)

Dining benefits (HDFC Swiggy Dineout Program) - 7.50% discount (upto ₹250 per order), twice a month
– Valid only for payments made through the Swiggy app, on dining transactions more than ₹2000.

Benefits
– 5% cashback at important and relevant partners including Amazon & Flipkart – catering diverse needs
– Attractive annual free related offers : While the first year annual fee is compensated by joining benefits, the credit card is virtually free if you spend ₹1 lakh or more in a year.

Drawbacks
– Not a suitable credit card for those who do not like to shop & spend online
– 5% cashback is restricted to certain partners

3.3% cashback at 5 partners – Amazon || Flipkart || BigBasket || Reliance Smart Superstore || Swiggy, on total purchases upto ₹18750 per month
– You earn 13.3 cash points worth ₹3.3, on every ₹100 you spend at these partners – only on purchases upto ₹18,750 per month
– 1 CashPoint = ₹0.25, and can be redeemed as cashback against your credit card statement balance

1.67% cashback on EMI transactions at merchant locations
– You get 6.66 CashPoints worth 1.67, on every ₹100 you spend on EMI transactions at the time of purchase
– 1 CashPoint = ₹0.25, and can be redeemed as cashback against your credit card statement balance

0.33% cashback on all other card spends
– You get 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

Upto 1% additional milestone benefits : You get gift vouchers worth ₹500, at ₹50,000 quarterly card spend

1% fuel surcharge waiver, upto ₹250 per month
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases of upto ₹25,000 per month only (since the maximum waiver amount is capped at ₹250 per monthly card statement cycle)

Benefits
– 3.3% cashback at important merchants including Amazon, Flipkart, etc, catering to diverse needs
– Low yearly card spend target of ₹50,000, to get annual fee waiver. Hence the card is virtually free at ₹50,000 yearly card spend.

Drawbacks to consider
– 3.3% cashback is restricted to certain merchants

Complimentary Times Prime membership worth ~ ₹1000
– The membership remains valid if you conduct at least 1 card transaction each quarter
– The membership gives you offers & free subscriptions of various brands – Gaana Plus, Sonyliv, TOI+, Chaayos, Uber, Myntra and many more.

50% discount on movie tickets via BookMyShow, upto ₹600 per month
– Maximum discount of ₹600 per month, and on maximum 4 discounted tickets per month

Complimentary 6 months Eazydiner membership || 15% discount (upto ₹1500), on Eazydiner via PayEazy
– You need to set up your credit card on Eazydiner app (PayEazy), and pay through the app to avail 15% discount

Upto 20% discount (online & offline) at select partners, through Times Card WebApp
– Offers across shopping, wellness, hotel stays and more
– City wise offers based offers every single day

Reward point earning
– You get 10 reward points, on every 150 you spend on weekday dining
– You get 3 reward points, on every 150 you spend on all other card spends
– No reward points are given on wallet loads, EMI transactions, fuel spends

Fuel surcharge waiver at all fuel stations, upto ₹250 per month
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25000 per month, since the maximum waiver is limited to ₹250 per month

Benefits
– Good card for those who like Time Prime membership.You get access to a host of partner offers through this membership. Times Group is one of India's largest media companies, hence they have good partner tie-ups
– Movie and dining offers through BookMyShow and EazyDiner, in addition to deals available through Times Prime membership
– Good welcome offers

Drawbacks to consider
– You will be restricted primarily to partners with whom Times ties up, and hence may limit your choices to earn rewards

Complimentary Times Prime membership worth ~ ₹1000
– The membership remains valid if you conduct at least 3 card transaction each quarter
– The membership gives you offers & free subscriptions of various brands – Gaana Plus, Sonyliv, TOI+, Chaayos, Uber, Myntra and many more.

25% discount on movie tickets via BookMyShow, upto ₹350 per month
– Maximum discount of ₹350 per month, and on maximum 4 discounted tickets per month

10% discount (upto ₹1500), on Eazydiner via PayEazy
– You need to set up your credit card on Eazydiner app (PayEazy), and pay through the app to avail discount

Upto 20% discount (online & offline) at select partners, through Times Card WebApp
– Offers across shopping, wellness, hotel stays and more
– City wise offers based offers every single day

Reward point earning
– 5 reward points, on every ₹150 you spend on weekday dining at standalone restaurants
– 2 reward points, on every ₹150 you spend on all other card spends
– No reward points are given on wallet loads, EMI transactions, fuel spends

Fuel surcharge waiver at all fuel stations, upto ₹250 per month
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases upto ₹25000 per month, since the maximum waiver is limited to ₹250 per month

Benefits
– Good card for those who like Time Prime membership. You get access to a host of partner offers through this membership. Times Group is one of India's largest media companies, hence they have good partner tie-ups
– You get movie and dining offers through BookMyShow and EazyDiner, in addition to deals available through Times Prime membership
– Good welcome offers

Drawbacks to consider
– You will be restricted primarily to partners with whom Times ties up, and hence may restrict your choices to earn rewards

5% cashback on various spends at Paytm – Prepaid recharges || Utility bill payments || Movie tickets || Mini App
– You earn 5 cashpoints worth ₹5, on every ₹100 you spend on these Paytm transactions – only on spends upto ₹30000 per month (since maximum cashback at this special rate is restricted to ₹1500 per month)
– 1 cashpoint = ₹1. Cashpoints can be redeemed as cashback against your card statement.

3% cashback on select partners – Swiggy || AJIO || Big Basket || Uber
– You earn 3 cashpoints worth ₹3, on every ₹100 you spend at these select partners – only on spends upto ₹16,666 per month (since maximum cashback at this special rate is restricted to ₹500 per month).
– 1 cashpoint = ₹1. Cashpoints can be redeemed as cashback against your card statement.

1% cashback on all other spends
– You earn 1 cashpoints worth ₹1, on every ₹100 you spend on all other transactions – only on spends upto ₹1,00,000 per month (since maximum cashback is restricted to ₹1,000 per month)
– Exceptions – Cashback is not given on wallet loads, fuel spends, EMI spends, rental spends and government spends.
– 1 cashpoint = ₹1. Cashpoints can be redeemed as cashback against your card statement.

Milestone benefit – additional benefit upto 1%, on quarterly card spend of ₹50,000
– You earn ₹500 upon spending ₹50,000 or more on your card each quarter (only for non-EMI, non-wallet and non-rental card spends).

Complimentary domestic airport lounge access – 2 per quarter

Fuel surcharge waiver at all fuel stations, upto ₹500 per month
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹50000 per month, since the maximum waiver is limited to ₹500 per month

Benefits
– Good card for Paytm users, you get good cashback on various Paytm spends
– You also get higher cashback on select partners
– Complimentary domestic airport lounge access – 2 per quarter

Drawbacks to consider
– Not a good card for other major spending needs like shopping, fuel etc.

Upto 7% benefit on Tata Neu App, on partner Tata Brands
✔︎ 2% benefit on partner Tata brands on Tata Neu app: You earn 2 NeuCoins worth ₹2, on every ₹100 you spend on Tata Neu. This is valid only on non-EMI spends on Tata Neu.
✔︎ Additional 5% benefit on select partner Tata brands on Tata Neu app, as a 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.

2% special benefit on select Tata brands, outside Tata Neu App
– You earn 2 NeuCoins worth ₹2, on every ₹100 you spend on partner Tata brands (if you spend directly online/offline at these outlets).
– This is valid only on non-EMI purchases.

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

1% benefit 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.

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

1% fuel surcharge waiver, upto ₹250 per month
You get a 1% fuel surcharge waiver , at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25,000 per month (since the waiver amount is capped at  ₹250 per monthly card statement cycle)

Benefits
– Good card choice for those who like to shop at various Tata brands.
– Complimentary airport lounge access in India
– UPI enabled on Rupay version of card, along with 1% reward on UPI spends

Drawbacks
– Attractive benefits are restricted to only Tata brands, hence it does not give cardholders a wide choice to spend and earn rewards