By getting a credit card for dining rewards, you can enjoy a wide range of benefits, from ordering food online to booking reservations. Using your credit card, you can not only save money on your culinary experience but also avail expansive benefits as a membership program.
In addition, these cards allow you to enjoy discounts, rewards, cashback, and exclusive deals on all your expenses. So, to get started, let’s understand how dining credit cards work.
What are Dining Credit Cards?
Simply put, it’s a credit card that offers great benefits on dining and other food-related transactions. These are credit cards designed to provide dining deals, offers, discounts, reward points, freebies, and other partner restaurants advantages. So, if you generally use a credit card to order food online, do grocery shopping, and pay at restaurants, then a dining credit card is an ideal option.
Whether online or offline, you can enhance your dining experiences when paying with these cards and spend confidently without worrying about the bill. That’s not all.
Benefits of a Dining Credit Card
Using a credit card for dining rewards allows you to enjoy dining privileges across India, with better customer service at partner restaurants. To elaborate, here are the benefits of using this type of credit card:
Discounts at Partner Restaurants
You can easily avail discounts on your total billing amount, some food items or beverages for higher savings. The percentage of discount depends on the restaurant’s policy. Moreover, some cards may offer discounts after the minimum amount spent from the dining credit card at the partner restaurant.
Accelerated Reward Points
You can also get higher reward points than the regular spends. For instance, with One Credit Card, you can earn 5X reward points on your dining if it lands in the top 2 categort spends in the previous month.
This way, you are saving twice, with discounts and through reward points that you can redeem for other transactions. These include dining, shopping, gift cards, travel etc.
Cashback and Offers
Cashback allows you to receive a part of your billing amount back. Furthermore, restaurants have seasonal and festival offers that you can avail of as a membership benefit of the credit card. This makes a dining credit card an outstanding option to enjoy your meals at reduced rates.
Using the One Credit Card mobile app, you can check out the best credit card offers at your nearest cafe or restaurant to save a little extra.
Complimentary Items
Some dining credit cards also give complimentary dishes, beverages, or starters with the meals. For this, you can simply present your card at the restaurant when making reservations.
Service Benefits
The benefits of credit cards for dining rewards expand to other services as well. For example, they can also have airport lounge access, concierge service, hotel stays, movie ticket booking and more.
They can also offer fuel benefits, making them a worthy alternative to a fuel credit card if your dining expenses are more than what you spend on fuel.
How to Choose the Best Dining Credit Card
Now you must wonder, ‘How do I decide which option is best for my credit card and dining needs?’ To answer this question, consider these parameters for the best credit card:
Compare Fee and Charges
Credit cards attract several fees and charges that affect your repayment and vary from one card issuer to another. One such cost is the annual and joining fees. Some issuers, such as One Credit Card, also offer lifetime free credit cards that allow you to save more.
Check the Offer Available
The offers on credit cards change periodically. However, the existing offer gives you a fair idea of the partner stores and restaurant chains and the benefits you can get with the credit card.
Review the Membership Programs
Membership offers allow you to enjoy exclusive privileges, especially at high-end establishments. In addition, you can use your credit card to avail of discounts and membership programs on online food delivery apps.
Check the Reward Programs
Most credit card issuers partner with restaurants and delivery apps to give customers better reward points. You can choose the best option by checking and comparing their reward programs.
One Credit Card is a popular option since it offers up to 5X monthly rewards on your top two categories.
Check Eligibility Criteria
Most importantly, check if you can apply for a credit card by checking the eligibility criteria on the website. The requirements vary across card types and issuers. For instance, all Indian citizens above 18 years of age with a PAN Card, valid address, and proof of residence can apply for One Credit Card.
In addition to the easy-to-meet eligible criteria, One Credit Card gives you an affordable EMI option, zero joining and annual charges, co-branded benefits, and more.
Moreover, you can download the One Credit Card app to help you track expenses and spend confidently. An FD-backed credit card is also available for people with insufficient credit scores. Apply now to enjoy the comprehensive benefits and have a rewarding experience.
