Which credit card saves the most at restaurants?
Source: Kaunsa Card? Index, November 2026
Short answer: for restaurant and café bills, Bank of Punjab Mastercard World Credit Card has the highest median estimated saving in the current catalogue: Rs 2,500 on a Rs 5,000 bill, across 150 places with a fixed rate and a stated cap.
Credit card dining offers are listed at 903 restaurant and café brands, compared with 1,010 for debit cards. Credit card offers are fewer, but they tend to belong to premium tiers with larger caps. This guide covers dining and cafés only; for every category see the debit card ranking.
To check one restaurant, open it from your city page and compare the cards you hold on your actual bill.
Try your own bill in the discount calculator →
Credit cards ranked for restaurant and café bills
| # | Card | Median on Rs 5,000 | Median on Rs 10,000 | Calculable / listed places |
|---|---|---|---|---|
| 1 | Bank of Punjab Mastercard World Credit Card | Rs 2,500 | Rs 5,000 | 150 / 157 |
| 2 | JS Bank Visa Infinite Credit Card | Rs 2,500 | Rs 5,000 | 128 / 129 |
| 3 | Askari World Credit Card | Rs 2,000 | Rs 4,000 | 255 / 332 |
| 4 | JS Bank Private Banking Visa Signature Credit Card | Rs 2,000 | Rs 4,000 | 170 / 172 |
| 5 | Askari Corporate Credit Card | Rs 2,000 | Rs 4,000 | 141 / 141 |
| 6 | Askari Platinum Credit Card | Rs 1,500 | Rs 3,000 | 256 / 333 |
| 7 | HBL Visa Infinite Credit Card | Rs 1,500 | Rs 3,000 | 219 / 265 |
| 8 | Bank Alfalah Premier Visa Infinite Credit Card | Rs 1,500 | Rs 3,000 | 184 / 189 |
| 9 | JS Bank Visa Platinum Credit Card | Rs 1,500 | Rs 3,000 | 170 / 172 |
| 10 | MCB Bank Visa Platinum Credit Card | Rs 1,500 | Rs 3,000 | 161 / 173 |
| 11 | Bank of Punjab Mastercard Platinum Credit Card | Rs 1,500 | Rs 3,000 | 147 / 154 |
| 12 | HBL Platinum Credit Card | Rs 1,250 | Rs 2,500 | 219 / 282 |
| 13 | UBL Visa Platinum Credit Card | Rs 1,250 | Rs 2,500 | 207 / 223 |
| 14 | Bank Alfalah Premier Visa Platinum Credit Card | Rs 1,250 | Rs 2,500 | 177 / 182 |
| 15 | Askari Gold Credit Card | Rs 1,000 | Rs 2,000 | 216 / 295 |
How this ranking works: for each card we take its highest calculable offer once per place (restaurants and cafés only), estimate the saving on one eligible bill as the smaller of bill × rate and the card's stated cap, then take the median across places. Only fixed-percentage offers with a stated card cap count; “up to” rates and offers without a stated cap are left out of every rupee figure. Cards need at least 10 calculable places. Ties are ordered by the number of calculable places. This is an estimate for one visit, not a promise: check the valid day, branch, minimum spend and exact card before paying. How caps work.
Small bill, family dinner: how the leader changes
On a Rs 2,000 coffee-and-dessert bill, the top card's median is Rs 1,000; on a Rs 10,000 family dinner it is Rs 5,000. On small bills the percentage decides almost everything, because few caps are reached. On large bills the cap decides, and a card with a lower rate but a higher cap can save more.
An example with round numbers: a 25% offer capped at Rs 2,500 saves Rs 500 on Rs 2,000, Rs 1,250 on Rs 5,000 and Rs 2,500 on Rs 10,000. A 40% offer capped at Rs 1,500 saves Rs 800, then Rs 1,500, then still Rs 1,500. The 40% card wins the coffee and loses the dinner. Use the bill calculator to test your own numbers.
Credit or debit from the same bank?
For each bank with a ranked credit card, this compares its best-ranked credit card with its best-ranked debit card on restaurant and café bills. In the current data the credit card is ahead at 3 banks, the debit card at 3, and they are level at 3.
Premium debit cards are often the closer match to a credit card than a basic credit card is. If your bank's top debit tier matches its credit card on dining, a credit card only adds value through other benefits, which this guide does not measure.
What a credit card discount does not include
- Annual fees and markup. A Rs 1,500 saving per visit is worth less if the card costs more than you save in a year, or if you carry a balance. We do not net fees off these figures.
- Discount at the till vs cashback later. Some offers are deducted when you pay; others are credited later. The estimate treats both as one saving.
- Supplementary cards. A per-card cap or a one-transaction-per-day rule can apply to each card, so splitting a bill between two cards may or may not be allowed.
- Tax and service charge. Offers often apply to the food bill before tax. Check whether the cap is on the discount or on the bill.
For the full list of conditions that can block a discount, read how bank card discounts work. To compare dining cards by network and tier, see the best card for dining.