If you're only spending about ₹1,000 a month on eating out, switching to a card that offers 5% rewards probably isn’t the best idea. That extra 2% on top of what you’re already receiving would only amount to around ₹240 a year, and that usually won’t even cover the annual fee.
When you're spending less, it’s smarter to maintain one card with a low fee that provides decent rewards on everything. Just make sure that the perks you receive are truly worth any fees before you decide to make a change.
