Eating out has become a luxury. Prices have climbed, and plenty of us have cut back on our discretionary spending. EatClub is an emerging app that makes it easier to save on dining. You can also still earn the frequent flyer and loyalty points you would have earned anyway.
The discount applies to the whole bill (drinks included!), and your own credit card earns as usual. It’s also one of the new monthly credits that will be offered by CommBank from October (but delivered via the CommBank app instead) – so here’s how it works.
How does EatClub work?
EatClub is an app that lists last-minute discounts at restaurants with tables they expect to go empty. You browse the offers, redeem one, then walk in and eat as normal. One of the best features is that you don’t need to tell staff you have an offer. Everything is handled discreetly, via the app.
This all works through the EatClub card, a Mastercard issued by Vault Payment Solutions. Dine as usual, but pay the bill at the end with your digital EatClub card. EatClub then charges your saved card the final amount, after the applicable discount and fees.
Setting the card up takes a few minutes. Redeem the offer first, then link your points-earning credit card as the Funding Card and add the EatClub card to Apple Wallet or Google Wallet. Do that as soon as you’ve redeemed your first offer.
Venues list dine-in and takeaway offers, often at different percentages. Some takeaway offers are ordered and paid inside the app rather than at the counter. The offer screen tells you which applies.
What discounts does EatClub actually offer?
EatClub offers up to 50% off the total bill. A single venue might list several offers at once, and the percentage can vary with the time slot. Generally, the off-peak hours carry the biggest discount. But we’ve also seen some decent deals during peak dining times.
One venue we saw listed 41% off dine-in for a 3:00pm arrival, dropping to 36% for the 5:00pm to 8:00pm slot. Offers are also capped in number, and each one shows how many are left. Check a venue across the day rather than taking the first offer you see.
You can see what you will pay before you go. Open an offer, and EatClub shows the venue’s full menu with the discount already applied.
What’s the catch with EatClub?
There are a few things worth knowing before you start using EatClub.
- Pay within the stated timeframe. After redeeming the offer, you have until the stated end time to make your final payment. During the offer period, you can make multiple transactions with the discount.
- You can cancel an offer for free before your stated walk-in time. But if you cancel afterwards (or no-show), you might be charged a $6 fee.
- Walk in, don’t book. These offers exist to fill spare tables, so usually the restaurant shouldn’t be full at that time.
- Stay under the guest maximum. It’s set per offer and stated on the redemption screen. We’ve seen offers allowing up to 10 guests.
- Don’t mention the offer to staff. The venue doesn’t need to see the offer, because the card applies it automatically. Often, staff aren’t aware of the offers anyway, as they may be set by a venue manager elsewhere.
- Don’t stack discounts. EatClub offers can’t be combined with the Entertainment Book, Groupon, or the venue’s own promotion.
How to earn points on an EatClub bill
Your own credit card is charged after you tap the EatClub card, so it earns points as it normally would. EatClub calls this the Funding Card, “a valid credit or debit card registered in the EatClub app”. Put your best points-earning card in that slot, if possible.
You earn on what you pay, rather than the menu price. A $100 bill at 35% off charges your card about $65 (plus a bit more in fees). You’ll earn points on that $65 if your card is eligible, but you’re still saving $35.
If you’re dining as a group, the lead diner will need to pay for everyone’s discounted meals first (and will pocket all the points on the transaction). They’ll need to work out what each person owes afterwards.
What does EatClub cost in fees?
EatClub charges a service fee on every transaction. These figures are current as of August 2026.
| What you pay | Amount | Notes |
| EatClub service fee | 1% to 6% of the bill, minimum $0.20 | The Dine In Deals terms quote 2.25% |
| Late cancellation or no-show | $6 | Applies after your stated arrival time |
| Venue EFTPOS surcharge | Set by the restaurant | Separate from the EatClub fee |
| Tips and venue service charges | Full price | Excluded from the discount |
How EatClub Dining Credit and the tiers work
Dining Credit is EatClub’s own currency, earned as a percentage of your spend and redeemable against future meals. You earn it by dining at a participating venue without using an offer, and at partner retailers through the Earn tab.
Credit expires 6 months after it’s issued, and you don’t earn it on a bill where a discount already applies. Starting October 2026, eligible CommBank credit cardholders get $10/month of Dining Credit, which accumulates.
EatClub also has a ‘Business Profile’ option, for when you’re dining out on work travel. Through this method, your card gets charged the full price of the meal (which you’ll expense later). The ‘discount’ you would have used is added to your account as Dining Credit, ready to use for your personal spending.
Finally, EatClub has three membership tiers, and progression is based on your spend. Rates below are current as of August 2026.
| Tier | Dining, no live offer | Grocery spend | Partner Stores |
| Citrus | 5% | None | Standard rate |
| Saffron | 6% | 2% | Extra 1% |
| Caviar | Higher again | Higher again | Higher again |
Saffron tier also unlocks extra time to pay. EatClub doesn’t publish the full Caviar rates, and tier thresholds can change. We’ve also seen EatClub trial a premium-style membership where you pay a monthly fee in exchange for perks, such as pre-booking an offer days in advance. We’ll publish more on this when more details are revealed.
How the EatClub Earn tab turns shopping into dining credit
The Earn tab pays Dining Credit when you shop at partner retailers and pay with your EatClub card. EatClub calls these out-of-network partners, meaning merchants that aren’t restaurants on the platform. Most are online only, and you tap through from inside the app. It’s essentially another cashback app.
Rates run from 3% to 10% depending on the retailer and your tier. Woolworths, BWS and Priceline are all on the list as of August 2026. The roster changes without notice, so check the tab rather than assuming a retailer is still there.
The boosted promotions are where you might find the best value. In August 2026, EatClub lifted Woolworths Online to 10% for Citrus members and 12% for Saffron and Caviar, capped at $60 of credit a day. A $200 shop would earn you $24 in Dining Credit. You would also still earn points through Everyday Rewards, and on your points-earning credit card, for a triple dip.
Summing up
EatClub makes an ordinary night out cheaper without asking you to give up the points you already earn. Set your best earning card as the Funding Card and pick a venue you wanted to visit anyway. Take the quiet time slot, where the discount is biggest.
On a $150 dinner at 40% off, that’s $60 back and points on the rest. It works less well if you only eat at peak times or need to book ahead, because the biggest offers sit off-peak.
Frequently asked questions
This article is general information only and does not constitute financial advice. Fees and rates were correct at the time of publication and should be verified directly with EatClub. Point Hacks is not affiliated with EatClub.
