Do you tend to go out to eat to celebrate on most occasions and order in to try out the latest outlets near you? Whether you like to try new dishes in your kitchen or find yourself in a pub or a restaurant every other week, opting for the best credit card for dining and groceries can be smart.
If food is one of the categories you spend on the most, such cards can help you save more. Before you head off to apply for one, pause and think. Cards give you discounts based on certain terms and partnerships they have. Choose the right dining card by matching your spending habits to its features, and you’re bound to save more.
Follow these simple tips:
- If you purchase from a specific grocery or food delivery chain, opt for a credit card providing extended perks related to it
- Get a card that offers free membership to a dining program that seems rewarding to you
- Zero in on a card that offers discounts as well as freebies, like complimentary deserts, to boost your experience
Other than that, these are some factors to consider:
Check How to Earn Reward Points: See if the card you choose offers accelerated points on grocery, dining and other purchases that you may be making regularly. These may include fuel, booking tickets or shopping online. This will help you understand if you can earn more points by using it for such spends.
Know the Cashback Offers: Some credit cards come with a flat cashback on purchases in certain categories like dining, fuel, travel and more. You may also get higher cashback in specific categories. Check to see if you can save more with such offers.
See the Associated Fees and Charges: It is crucial to compare the benefits you are getting with the fees associated with a credit card. Some cards with lucrative reward programs may charge high annual and joining fees. Make sure the charges do not exceed the perks you are getting while making payments using the credit card.
Analyse Your Spending Habits: Have an idea of how much you spend on groceries and dining in a month. Check the discounts and other offers and calculate your savings on average. That way, you can decide whether getting a specific credit card is worth it. Also, consider the annual and joining fees to know your actual savings.
Best Credit Cards for Dining and Groceries
Compare the perks of some of the top cards in this category and apply for a credit card online to boost your convenience.
| Credit Card | Annual Fee | Joining Fee | Feature and Benefits | Eligibility Criteria |
| HDFC Bank Diners Club Black Credit Card | ₹10,000 | ₹10,000 | 2X reward points on dining on weekendsComplimentary 3-month Swiggy One and Club Marriott membership for a whole year5 reward points for every transaction of ₹150Welcome benefits on spending ₹1,50,000 or more within 3 months of getting your credit card | If you are a salaried individual, your age should be between 21-60 years and your minimum monthly income must be ₹1.75 lakhsIf you are a self-employed individual, you must be between 21 to 65 years of age and your ITR should be a minimum of ₹21 lakhs |
| SimplySAVE SBI Card | ₹499 | ₹499 | 10 reward points per ₹150 spent on dining, grocery and more1 reward point per ₹150 spent on other categories2,000 bonus reward points on spending ₹2,000 or more in the first 60 days of card issuance | Your age must be between 21 to 70 yearsYou must be either a salaried or self-employed individualYou must have a good credit score and a regular income source |
| Axis Bank Magnus Credit Card | ₹12,500 | ₹12,500 | Discounts of up to 30% over 4,000 restaurantsGift voucher worth ₹12,500 as a welcome bonusDiscounts on fuel surcharge waivers, booking movie tickets and more | Your age must be between 18 to 70 yearsYou must be an Indian residentYou should have a minimum income of ₹24 Lakhs p.a. |
Keeping these and other credit cards in mind, opt for the one that extends maximum benefits. You may also want a card that offers savings on dining and groceries as well as a range of other expenses. The One Credit Card can be an excellent choice as an all-rounder with zero annual and joining fees. This lifetime free credit card helps you earn 5X reward points on your top two spending categories each month – be it dining, online shopping, travel or more.
What’s more, you get discounts on dining and grocery shopping from various brands like Zepto, DMart, Zomato, Blinkit and more. The One Credit Card App is an added advantage. This full-stack mobile app allows you to check offers near you via GPS so that you never miss out on discounts. Apply now and enjoy these perks at your fingertips.
