How do I decide if higher dining rewards are right for me?
-
I'm trying to determine if a dedicated 5% dining card is actually worth it for me. My dining spend is pretty low — maybe ₹1,000 a month — and I'm already getting 3%. By the time I factor in the annual fees and those annoying reward caps, does it make more sense to just focus on a single card with lower fees?
-
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.
Hello! It looks like you're interested in this conversation, but you don't have an account yet.
Getting fed up of having to scroll through the same posts each visit? When you register for an account, you'll always come back to exactly where you were before, and choose to be notified of new replies (either via email, or push notification). You'll also be able to save bookmarks and upvote posts to show your appreciation to other community members.
With your input, this post could be even better 💗
Register Login