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Credit cards are frequently used to pay restaurant bills, so it makes sense for card issuers to treat their customers to dining discounts and benefits. Your card can unlock a range of savings when you eat out: from money off your bill, to 1-for-1 main meals or bonus rewards simply by swiping your dining credit card.
A dining credit card is a type of credit card that offers various benefits if you enjoy dining out (or order in) regularly. You can look forward to more than just discounts. The dining perks on some cards include preferential bookings or special events at exclusive restaurants. What’s more, you could get rewarded with bonus cashback, air miles or loyalty points when you charge restaurant meals or bar drinks to your card.
A dining credit card is different from other types of credit cards because the card issuer pays special attention to negotiating offers that are exclusive to individuals who hold the card. Your dining credit card can have other benefits outside of dining, but it tends to offer something exclusive when eating out.
Dining benefits are usually part of a wider group of benefits on your credit card, known as rewards. However, some credit cards are focused exclusively on dining. Typically, your dining credit card will entitle you to discounts at a range of restaurants, with these discounts exclusive to individuals who hold a specific credit card. To enjoy your dining benefit, you’ll typically have to pay with your dining credit card when you visit the restaurant.
Restaurants are often enthusiastic about signing up with credit card providers to offer discounts to cardholders, especially when these are premium credit cards that are held by high earners. Dining benefits vary. For example, your dining credit card could offer a substantially accelerated reward earnings rate when you pay at restaurants.
When comparing credit cards, check to see if a provider is not simply repeating offers you can find elsewhere. It’s also a good idea to look at the restrictions and conditions around the dining benefits, because sometimes they are structured in a way that minimises the opportunity to save money. Don’t apply for a dining credit card if other cards offer more rounded benefits that you can take advantage of more often.
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