How do I decide if higher dining rewards are right for me?
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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?
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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.