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By unlocking the rewards and benefits of your credit card for restaurants, you can get discounts and other special offers and save money. This means that going out for dinner at a fancy restaurant and indulging in a gourmet meal doesn't have to leave a big dent in your budget.
Find out more about how to save and make the most of your credit card rewards.
A dining credit card is a type of credit card that offers special discounts, cashback and other experiences to reward foodies. You can also get rewards for dining out or ordering food online.
Credit card providers often partner with restaurants, dining platforms and food delivery apps to offer exclusive benefits.
If you're looking for the best credit card for dining, here are some factors to consider. It may also help to compare credit cards and weigh up which rewards and benefits suit you best.
Cardholders often get discounts at partner restaurants and food outlets. These can include everything from fine dining establishments to fast food or delivery apps, so you should be covered, no matter what you're craving.
For instance, the HSBC Live+ credit card offers at least 15% discounts at listed partner restaurants. You can also get discounts on top-rated restaurants if you use the HSBC Premier and TravelOne credit cards.
Some cards offer complimentary meals, exclusive deals, access to food festivals or premium dining experiences, and other promotions. It's worth checking the joining offers and keeping updated about any new offers and seasonal or holiday promotions.
You could earn cashback on your restaurant bills. This means that a percentage of your bill is credited back to your account, depending on the card's terms and conditions. The more you dine, the more cashback you can potentially earn, which brings down your overall outlay.
Explore: RuPay Cashback Credit Card
As with cashback, you can earn reward points for transactions at dining outlets. You may get accelerated reward points during a promotion. These points add up and can be redeemed for vouchers, hotel stays, or other rewards.
Premium credit cards sometimes offer exclusive memberships to dining platforms. This gives you perks like priority reservations and discounts at fine dining restaurants.
Here are some things to bear in mind when you're selecting a credit card.
How often do you dine out? What kinds of food do you prefer? How do you normally pay for meals? Think about these and which credit cards will be best matched to your dining style.
Look for dining credit cards that offer the best rewards for your dining habits. Check the welcome and other offers. Based on your typical credit card and restaurant spend, you can calculate how much you can get back in rewards.
Find out which restaurants and food delivery platforms a credit card is partnered with. Are these near to you, and will you use them? It makes sense to pick a credit card for restaurants that you enjoy and will visit often.
Weigh up the annual fees of a dining credit card versus the potential rewards and benefits you'll receive. Premium credit cards charge a higher fee, but you can get better perks. Decide if the fees are justifiable.
Learn more: How to redeem credit card reward points
If you enjoy dining out, it pays to do a bit of research and find the best credit card for restaurants to suit your needs. You can then enjoy your favourite meals at a discounted price while also earning cashback and rewards.
Get discounts and cashback on dining and food delivery as well as other perks and privileges.
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