Rupay Credit Cards with Dining Offers 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

Flights & hotels discount offers on Yatra-

1. ₹1000 discount (upto 20%) on domestic flight bookings on Yatra website/app (minimum flight booking amount of ₹5000)
– You get a ₹1000 discount on minimum flight booking amount of ₹5000.
– Hence, you get a 20% discount if the flight booking amount is ₹5000.
– The discount percentage falls as the booking amount increases above ₹5000.

2. ₹4000 discount (upto 10%) on international flight bookings on Yatra website/app (minimum flight booking amount of ₹40,000)
– You get a ₹4000 discount on minimum flight booking amount of ₹40,000.
– Hence, you get a 10% discount if the flight booking amount is ₹40,000.
– The discount percentage falls as the booking amount increases above ₹40,000.

3. 20% discount (upto ₹2000) on domestic hotel bookings on Yatra website/app (minimum hotel booking amount of ₹3000)
– You get a 20% discount (upto maximum ₹2000), on minimum hotel booking amount of ₹3000.
– Hence you get a 20% discount on hotel bookings between ₹3000 and ₹10,000.
– On booking amounts above ₹10,000, the discount percentage falls below 20%.

(You can avail above discount offers maximum 6 times a year, by using a specified discount code on Yatra)

1.50% benefit on following card spends - departmental stores || grocery || dining || movies || entertainment
– You earn 6 reward points worth ₹1.50, on every ₹100 you spend in these categories
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on SBI's rewards redemption plaform for Yatra vouchers
– This benefit is valid only on total spends of upto ₹83,333 per month in these categories (since you can earn a maximum of 5000 reward points at this special rate in your monthly card statement cycle).

1.50% benefit on international spends
– You earn 6 reward points worth ₹1.50, on every ₹100 you spend on international card transactions
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on SBI's rewards redemption plaform for Yatra vouchers
– This benefit is valid only on total spends of upto ₹83,333 per month (since you can earn a maximum of 5000 reward points at this special rate in your monthly card statement cycle).

0.25% benefit on all other card spends : You earn 1 reward point worth ₹0.25, on every ₹100 you spend on all other purchases.

1% fuel surcharge waiver, upto ₹100 per month 
You get a 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel purchases upto ₹10,000 per month  (since the waiver amount is capped at ₹100 per monthly card statement cycle)

Complimentary ‘air accident cover’ of ₹50 lakhs

Benefits
– Attractive discounts on hotels & flights (10% – 20%).
– Complimentary air accident cover of ₹50 lakhs , which provides peace of mind.
– Attractive Yatra welcome offer of over ₹8,000

Drawbacks
– You are restricted to Yatra travel platform, to earn special travel discounts
– Not suitable for travellers who prefer to travel by train, they should consider railway booking credit cards 

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

3% cashback on the following card spends - online food delivery || local commute || entertainment
- You get ₹3 cashback, on every ₹100 you spend in these categories

1% cashback on all other card spends
- You get ₹1 cashback, on every ₹100 you spend on all other card purchases
- Exceptions : You do not get any reward points on wallet reloads, rental payments, cash withdrawals, fuel spends, gift cards, insurance, jewelry, government services, education, EMI transactions, UPI transactions of less than Rs. 2000

Restriction on cashback : You can get a maximum cashback of ₹1500 per month

Complimentary access to airport lounges in India - 4 times per year

Fuel surcharge waiver
- You get a 1% fuel surcharge waiver only on fuel transactions between ₹400 and ₹5000.
- And on fuel purchases of upto ₹40000 per month, since the maximum waiver amount is restricted to ₹400 per month.

Dining benefits through EazyDiner partnership – 15% discount (upto ₹500), once per month
– Valid once a month.
– You get a 15% discount (up to ₹500), at over 4,000 restaurants nationwide. Minimum order amount of ₹2,500 is required.
– Hence you get a 15% discount on orders between ₹2500 and ₹3333. On orders above ₹3333, your discount percentage will fall below 15%.

Benefits
- Lifetime free card, UPI enabled
- Good starter card

Drawbacks to consider
- You can get comparatively higher reward rates on your card spending, especially on large purchases like travel and shopping