The number of dining credit card options is increasing in India. Around 45% of Indians enjoy dining outside at least once a week. They are worth owning if you are one of them. You can indulge in good culinary experiences, rewards, discounts, and exclusive memberships at partner restaurants and food joints. Credit cards make you eligible for complimentary appetisers and drinks at these restaurants.
A dining credit card is mainly a subset of credit cards that let you earn rewards while dining. You can also make other purchases with these credit cards, but there is an accelerated rewards system for dining bills.
How Does a Dining Credit Card Work?
Like other credit cards, you can earn cash back and reward points on your transactions. Dining credit cards work everywhere. Credit cards are accepted and provide special benefits at partner food outlets.
Perks of Choosing a Dining Credit Card If You are a Foodie
Exclusive Discounts
For foodies who order food frequently or dine out, a credit card with a high reward points system on various food delivery platforms can be the most useful. You can enjoy good food at discounted prices and have flexible rewards redemption on your credit card.
Few credit cards also have exclusive collaborations with specific yet multiple platforms, ensuring you can try various services. Many cards give cashback, too, which can make your dining experience more rewarding.
Luxury Membership
Few fine-dining restaurants and culinary workshops have tie-ups with credit card issuers and promote unique dining experiences for the cardholder.
Complimentary Privileges
You can enjoy a free drink, snacks or complementary courses at the food outlets that have partnered with your credit card issuer.
What Should You Check While Choosing a Dining Credit Card?
If you are a foodie and spend on food orders and dining out substantially monthly, you would want to apply for a premium credit card. These cards generally let you save more money and explore various options in your city and anywhere within the country.
You should also look for credit cards, which offer frequent cashback and rewards on transactions related to dining. Dining options include both eating out at a restaurant and food delivery services like Swiggy, Uber Eats, Zomato, and more. Look for partnerships with outlets and platforms you frequently visit or use to get maximum rewards.
Many credit cards offer annual fee waivers, too. You also should try to look for money-saving features that will get you more offers daily. You can get access to programs of these food delivery apps like Zomato Pro and Swiggy One.
You can also get complimentary lounge access at domestic and international airports and enjoy unlimited dining options. It can add significant value, especially if lounges include dining services. This is an excellent option if you are a foodie and frequent traveller.
How to Make the Most of Your Dining Credit Card?
Install The App of Your Credit Card
Download the credit card app and track your dining expenses regularly. Never miss a due date and continue to enjoy the privileges.
Link Your Account
You should link your dining credit card account to the app once it is installed on your mobile. Enter your credit card number and choose a high-security password to protect your credit card against fraud.
Redeem Your Rewards on Time
Make sure to redeem your rewards and offers before they expire to get the maximum benefit of the exclusive discounts and offers through the mobile app.
Are Dining Credit Cards Great for You?
Dining credit cards are a great option if you are a live-to-eat kind of person. All you have to do is choose the right dining card and utilise it properly. This is because while you can enjoy access to great discounts on food, exclusive benefits, meal savings, and special promotions, these cards also come with annual fees and several terms and conditions.
As such, there is always scope for overspending and overpaying the charges, which can negate the benefits you get. So, while deciding on whether or not you should get one, follow the basic credit card rules, which includes considering
- Dining habits
- Partnerships of the card
- Fee and payment structure
- Reviews of other users
This will help ensure you get the credit card and use it without any stress. Responsible usage will let you make good savings and make dining more rewarding and satisfying. One option to consider is the One Credit Card, which can help make this happen every time you use this lifetime-free card in a restaurant or for online delivery of food.
You can get good offers on dining and 5X rewards on the top two spending categories. So, if food bills are a big part of your transactions, you can get the best benefits from them. You can also track your spending and keep a monthly budget on the One Credit Card App. Apply now to enjoy the exclusive benefits of the card and uplift your dining experience.
