Top 8 Benefits Of Using Credit Card For Dining

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A night out with friends, a cosy dinner date or a solo treat at your favourite restaurant - it’s all about savouring good food and great moments. Now, imagine if the simple act of paying for your meal could add a little extra sparkle to the experience.

What if your credit card wasn’t just a payment tool but a gateway to rewards, savings and special perks? Let’s uncover how to make dining out more rewarding.

Make the most of exclusive discounts

Many credit cards have deals with restaurants where you can get discounts on your bill. These discounts could be a flat percentage off your total or free items like a dessert or a drink. Using these offers means you can enjoy your favourite meals without spending as much. Check the list of restaurants tied to your credit card because these deals often change or are available for a limited time.

Receive cashback on every spend

Some credit cards give you cashback when you pay your dining bills. For example, if you spend Rs.1,000, you might get Rs.50 back into your account. This is a great option for people who dine out often. Just ensure your card supports cashback on dining and check if there’s a minimum amount you need to spend to qualify for it.

Avail lounge access for an elevated experience

Premium credit cards sometimes give you access to special lounges in luxury restaurants, hotels or airports. They offer a more relaxed environment, better service and sometimes free food or drinks. It makes your dining experience special. Check if your card offers this perk and whether you need to make reservations in advance or follow any other rules to use it.

Take advantage of discounts on dining apps

Food delivery and dining apps often have deals with credit cards. If you use your card to pay on these apps, you might get discounts, cashback or extra reward points. This is helpful whether you’re ordering food at home or booking a table. To benefit, make sure your card is linked to the app and check the offers available before you pay.

Earn rewards and redeem them for shopping

Each time you pay with your credit card, you earn reward points. These can later be used to buy things like shopping vouchers, gadgets or travel tickets. Many cards allow you to earn more when you spend on dining. For example, eating at a restaurant partnered with your card could give you double or triple points. Keep track of your points and redeem them for something you’ll enjoy.

Get a buffer between dining and bill payment

Credit cards have a grace period, which is the time between your purchase and the due date for payment. If you swipe to pay for dining soon after your billing cycle starts, you could have up to 20 - 30 days before you actually need to pay the bill. This way, you can manage your cash flow while enjoying your meal. However, pay the full amount before the due date to avoid interest charges.

Swipe your credit cards smartly today

While credit cards can make dining out more rewarding, it’s essential to approach spending with caution. This is because overspending leads to financial strain. So, make sure you set a budget and stick to it. Use your Kotak 811 Credit Card wisely enjoy the discounts, cashback and rewards, but ensure you track your expenses and pay your bills in full before the due date to avoid interest charges. Stay responsible and enjoy all the smart benefits your card has to offer!

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This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Newsletter. The information contained in this Article is sourced from empanelled external experts for the benefit of the customers and it does not constitute legal advice from Kotak. Kotak, its directors, employees, and contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein.