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For times when you are short on money and need to pay shopping bills or utility bills, you can rely on your credit card. With a credit card, not only can you go beyond your earnings to increase your purchasing power but you can also earn some rewards. A credit card is the best moneylender since it offers you rewards on using it. Among many rewards offered by credit card providers, dining credit card rewards are one of the most desired credit card rewards.
What Is A Dining Credit Card?
Some credit cards offer you special rewards at restaurants and dining. These credit cards are known as dining credit cards. With dining credit cards, you receive discounts on dining or cashback on using the card to pay the bill at a restaurant or food delivered at home.
Why Use A Dining Credit Card & Who Should Buy It in UAE?
Dining credit cards offer up to 50% discount on selected dining places. This can save plenty of money. Let us say that you went to a restaurant and the bill for the meal is AED 200. Now, you have a dining credit card that gets you a 30% discount on the bill. Your revised bill will be AED 120 only, saving you AED 80 on one meal. Now, this may not seem too beneficial if you go dining only once or twice a month. However, if you are an entrepreneur, a stakeholder in a company, or working in client servicing or marketing, you might visit restaurants at least 10 times a month for a meeting. With a dining credit card, you will save 30% on your dining bill every time. This can save you plenty of money. A dining credit card is also beneficial if you are a foodie who visits restaurants regularly or orders meals at home.
Top Dining Credit Cards in the UAE
Here is the list of some of the best dining credit cards available in the UAE with their features and benefits:
Credit cards in UAE are a perfect financial tool to cover your lifestyle spending. When it comes to hotel diner and restaurant expenses, the dining credit cards in the UAE offer you incredible features and privileges. A few important features of credit cards with dining offers are as follows;
Extensive Rewards on Dining Expenses - As a part of the loyalty program, the dining credit cards in the UAE offer you rewards and cashback points on each and every dining expense. Numerous credit cards offer up to 10% cashback and reward points on restaurant expenses across all the major diners in UAE. You can redeem the earned reward points to avail of additional discounts on subsequent dining bills.
Exclusive Discounts at Diners and Restaurants - Along with extensive rewards, the dining credit cards also provide huge discounts on the dining bills, including online food orders. With the dining credit cards in the UAE, you can get up to 50% discount on your restaurant bills. Total discounts on your expenses depend on the type of credit card and the card issuer. Some credit card may give bigger discount than the other.
Buy 1 Get 1 Offers - Similar to cinema offer credit cards in the UAE, several card issuers provide access to Buy 1 Get 1 offer at various restaurants and outlets. With the Buy 1 Get 1 offers, you can order two items at the price of one. However, not all dining credit cards in the UAE provide you Buy 1 Get 1 offer at restaurants and you need to verify it during credit card application.
DragonPass Dine and Fly Offer - Several banks and financial institutions offering visa dining credit cards allow access to DragonPass Dine and Fly offers that gives you exclusive discounts on airport dining. You can enjoy premium service at airport restaurants with lucrative offers while traveling.
Lifestyle Privileges and Offers - The dining credit cards in the UAE also offer various discounts on lifestyle expenses like entertainment, cinema tickets, golf rounds and much more. You can enjoy additional discounts on foods and beverages bills at theme parks, movie theatres, etc.
Benefits of Dining Offer Credit Cards in the UAE
Along with several offers and discounts, the dining offer credit cards provide you with a host of benefits. Apart from a direct discount on the total bills, you get numerous cashback and reward points. Key benefits of the dining credit cards in the UAE are given below -
You get a discount of 10% to 50% on all hotel diners and restaurants across the UAE.
As a dining credit cardholder, you get a premium dining experience at popular restaurants and hotels in the UAE.
Several credit cards offer huge discounts on room service dining bills in select hotels in Dubai. For instance, ADCB dining credit cards offer up to 25% discount on room service dining bills in few hotels across Dubai.
You can also enjoy big discounts on online food orders through Zomato and Noon. For instance, DIB dining offer credit cards offer up to 25% discount on Zomato via coupon code.
You get access to premium hotel diners and spas using your dining credit cards in the UAE.
Apart from the above benefits, the banks and credit card issuers come up with numerous dining offers from time to time. You can visit the bank’s online portal and check various discounts and dining offers across all the popular restaurants and food outlets in the UAE.
Eligibility Criteria for Dining Credit Cards in the UAE
To avail of a dining credit card in the UAE, applicants need to satisfy certain eligibility criteria. The requirements may vary depending on the credit card and the issuing bank. The basic eligibility criteria are as follows -
Age - An applicant must be at least 21 years of age or above. Few banks also have an upper age limit of 65 years to apply for a credit card. The customer needs to verify this at the time of application.
Income - An individual needs to have a stable and verified income source as per the bank’s requirements. Additionally, each credit card in the UAE requires you to fulfil the minimum salary criteria. The monthly income requirement differs for various dining offer credit cards in the UAE and the applicant should clarify it before applying.
Nationality - Normally, credit cards are available to both UAE nationals/residents and expats. However, some credit cards are only available to UAE residents & nationals.
Documents - To apply successfully, you need to submit documents pertaining to your identity and financial situation as per the bank’s requirements.
Documents Required to Apply for Dining Credit Cards in the UAE
As mentioned above, the applicant needs to submit few documents supporting his identity and finances for a hassle-free application. Following is the list of documents an applicant needs to submit during credit card application.
An original passport and a copy for the expats. The bank may also ask for a UAE work permit or visa with address details.
An original Emirates ID and/or a valid passport for the UAE nationals and residents. The bank may ask for the latest utility bills as address proof.
Last three months bank account statement.
Salary slip (not more than 1 month old) or a salary certificate from the present employer in the UAE.
A few banks may ask for the IBAN number and passport number for verification.
Note: Apart from the above documents, the bank may ask for additional proof and papers at its sole discretion.
How to Apply for Dining Credit Cards in the UAE?
Banks in the UAE provide multiple application channels such as online, offline and phone banking to apply for a credit card. You can use any of the modes given below to apply for the dining credit card in the UAE at your ease.
Online Mode - Online application is the most convenient of all the card application processes. Additionally, you can easily compare dining credit cards in the UAE. Once you have selected your preferred credit card, you can click on the ‘Apply Now’ button and enter your details. The bank will contact you for the subsequent application process. Few banks also have a paperless application process, where you can instantly retrieve your virtual credit card after a successful application. Later, the bank dispatches your physical credit card within 3-4 working days.
Offline Mode - To apply offline, you can visit the nearest branch of the bank where you want to apply for the credit card. Carry all the requisite documents and fill out the credit card application form as per the direction of the bank’s representative. To locate a nearby branch, you can visit the bank’s portal. Before visiting the bank, ensure that you have already chosen the best credit card in the UAE according to your financial needs because offline credit card comparison can be hectic and cumbersome.
Application via Phone - Several banks in the UAE accept credit card applications via phone. You simply need to contact the bank’s support team and provide your details. They will then assist you with the credit card application process. To reach out to the customer support team, you can retrieve the contact number from the bank’s website.
How to find the Best Dining Credit Card in the UAE?
With over 200 different credit cards, it becomes very hectic for customers to choose the best dining credit card in the UAE, suiting their lifestyle needs. However, to help you out, we have listed down a few things to keep in mind while selecting a credit card with the best dining offers.
Look for Rewards and Cashback - To find the credit cards matching your lifestyle needs, you need to look for the various rewards and cashback the credit card is offering on every expense. A credit card with better cashback and reward offers would be profitable. Additionally, search for a credit card with multiple discounts and privileges.
Dining Offers and Discounts - You need to search for a credit card that covers most of the restaurants in the UAE. Several credit cards cover over 2400 restaurants and hotel diners across UAE. In addition, look for the discounts offered by the dining credit card on your restaurant bills. The higher the discount, the more benefits you get.
Low Fees and Charges - In addition to the rewards, discounts and offers, you also need to check for a low charge dining credit card in UAE. To detail further, you need to look for annual charges, retail interest/profit rate and other fees. A card with higher charges may ruin your credit card experience and incur unwanted penalties. Various banks offer free for life credit cards in UAE that come with dining offers. If you don’t have a big budget, choose a card with zero or low annual fees.
Why Choose Policybazaar.ae for Dining Credit Cards?
A leading financial marketplace, Policybazaar brings you innumerable financial products under one roof. You can select the best products and services according to your financial needs through extensive yet convenient research by visiting Policybazaar.ae. Additionally, our support team provides you with personalised assistance in resolving your financial queries.
Individuals looking for the best dining offer credit card can conveniently compare various cards and get the best deals without any hassle.
Top Bank's Credit Cards That Provide Dining Offers in UAE
He has a content writing experience of over 6 years in academics, newspapers, and biography writings along with a Masters and M.Phil in History. A researcher at heart, he likes to read books, play games, and binge-watch. He seeks to garnish the driest of topics in humour whenever he can and believes in brevity and simplicity.
