Compare credit cards with dining benefits

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Compare free bottle of wine when dining credit cards

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Popular credit cards products

What’s not to love about a free bottle of wine, especially when it’s shared over lunch or dinner? That’s exactly what some credit cards offer when you dine at specific restaurants.

Depending on the credit card and the reward program, when you use the eligible credit card to pay at participating restaurants, your credit card could earn you a free bottle of wine to have with your meal.

Keep reading to find out how your credit card could score you a free bottle of wine when dining.

How do credit cards that offer a free bottle of wine work?

Similar to other credit card features, some cards incentivise cardholders by offering them a free bottle of wine when they use their credit card at select restaurants. Each credit card will have conditions and list of participating restaurants. The general gist is that when you present or pay with the credit card, you’ll receive a free bottle of wine while you dine.

The credit card will usually list the restaurants you can choose from, and when you make the reservation, you may need to let the restaurant know that you’re a specific cardholder. When you arrive at the restaurant, you might need to present the card and choose your complimentary bottle of wine. Some cards also require you to pay for the meal using the specific card.

What to look for when comparing credit cards with free bottle of wine when dining

Wine connoisseurs may want to check the specifics of what wines are available and whether the incentive is worthwhile. Credit cards that offer a bottle of wine when dining work the same way as other standard credit cards, just with a bonus. When comparing credit cards, it’s important to consider all other factors to ensure you’re getting the best deal.

As tempting as a free bottle of wine can be, it’s important to look at the bigger picture. Take note of the interest rate and any annual or monthly card fees. Credit cards that offer rewards or bonuses tend to have higher interest rates than credit cards with fewer bells and whistles. Other credit card features to compare are interest-free days, interest rates on cash advances, balance transfer rates and foreign currency charges if you use your card overseas.

When comparing credit cards that offer a free bottle of wine when dining, check the fine print to see what conditions are attached to the offer. Some cards may limit the number of times you can redeem the offer, others may have a minimum spend, and there may be conditions on which wines you can drink. Before you apply, check to see whether you need to open any additional transaction or savings accounts and that you don’t need to be an existing customer or cardholder.

If you’re a foodie, check to see what restaurants take part in the incentive and how long the offer is valid. Switching and applying for credit cards too often can negatively impact your credit rating, so before the lure of a free bottle gets the better of you, check to see if it’s worth it.

If wining and dining is your thing, and you’re in the habit of paying off your entire credit card balance each month, choosing a credit card that offers you a free bottle of wine when dining might be an option worth considering.

FAQs

Many people want to know how to get a free credit card. The reality is that all credit cards come with associated costs when used to make purchases – even if it’s simply the cost of making repayments.

However, many lenders offer incentives for customers such as a $0 annual fee or 0 per cent interest on purchases during an introductory period. You may be able to cut down on the usual costs associated with a credit card by comparing and choosing the right card to suit your requirements.

Additionally, paying off your balance in full during an interest-free period means you could only have to pay back the cost of purchases without interest. You could also be eligible for additional rewards such as cashback during that time, saving you more money.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

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