Financial Blog

Ever thought of eating at that one restaurant recommended by your favorite Tiktok or Instagram influencer? Looking at trying something new or avoiding the same fast food around every corner? Whether it’s exploring new restaurants or planning ahead for a lunch out with friends you’ve probably thought at some point whether the experience will be worth the price. After all, we want to make the most out of our wallets so we can’t just eat out without planning ahead.

But what if there’s a way to offset the cost with rewards? If you have a credit card, then yes. From cashback rewards and points multipliers to exclusive partnerships and limited-time offers, savvy credit card usage can transform your dining experiences from costly indulgences to budget-friendly feasts. Here is one you can easily do yourself. 

Spend Less, and earn Rewards Here’s How

Take advantage of your credit card providers’ promos. For a set amount of time restaurants give participating credit card holders discounts of up to 20% or more, depending on the terms. Let’s say for example, you dine out and just so happen to align with an existing promo. Our Old Swiss Inn promo allows you to get 20% off of your total bill for a minimum of PHP5,000 total spend. 

If you spend give or take PHP6,000 you get a total of PHP1,200 off of your total bill when using your Security Bank Mastercard. It doesn’t end there, if you use your Gold Mastercard that earns you 240 rewards points, 1 rewards points power PHP20 spent, which you can use to redeem e Gift certificates for: dining, shopping, travel, cash waiver, prepaid load, salons, medical laboratory, and charity. This means not only can you save when you dine out and use your card, but also accumulate and exchange the rewards you earn, exchange them for eGC’s and get even more discounts. 

Let’s take a look at another example. Craving a little seafood? Check out our Promo at Gumbo. Use your World Mastercard and with a minimum spend of PHP1,000 on foods and drinks that automatically entitles you to a free Seafood Jambalaya plus up to 150 rewards points depending on what rewards card you use. Keep racking up those points and exchange them for eGift certificates. 

Now let’s scale up a little bit and see what would happen if you stack up your savings using your Platinum Mastercard. Treat your friends with 50% or 20% off on your bill and let’s Girl Math the Security Bank way to see how much we can save using our Platinum Mastercard:

If you dine 4 to 7 times within the promo period and use your Security Bank Platinum Mastercard every time to avail the 50% discount, you’ll get:

1) a total discount of PHP17,500, and

2) 1,750 BetterBanking Rewards points which you can use to redeem a free PHP100 eGC for any of the following: Grab, Coffee Bean & Tea Leaf, Red Mango, Max’s, Auntie Anne’s, Globe Prepaid Load, Smart Prepaid Load, etc. (each option needs 1,667 points to redeem)

Sample computations:

Option 1: dine 4 times (spend PHP10,000 3 times and PHP5,00 one time) and avail the 50% promo every time

=((PHP10,000 x 50%) x 3) + (PHP5,000 x 50%) = PHP17,500

Option 2: dine 7 times (spend PHP5,000) and avail the 50% promo every time

=(PHP5,000 x 50%) x 7 = PHP17,500

As you can see, with the right card and the right promo, using you Security Bank credit card can save you as much as 50% off on your meal while earning you twice the amount of rewards points. 

So, the next time you’re planning a meal out, remember that your credit card can be more than just a payment method. By strategically choosing cards with dining rewards, utilizing restaurant-specific offers, and staying mindful of your spending, you can transform dining into a rewarding experience. From cashback to points that unlock travel and other perks, a little planning can go a long way in maximizing your dining budget.