Four in 10 adults who accumulate bank card factors would fortunately pay a much bigger share of a restaurant invoice – simply to snaffle the rewards, analysis has discovered. A ballot of 1,000 adults, who use rewards bank cards, discovered a 3rd are keen to argue with a buddy over who will get the factors.

One in 5 will secretly pay the invoice beneath the radar, whereas 26 p.c will negotiate – and 18 p.c will merely beg to assert the rewards.

It additionally emerged 83 p.c are planning to attend at the least two group meals within the run-up to Christmas this yr. And with a meal out now costing a median of £53 per head, potential earnings from group meals out alone stand at £28 million throughout this season.

A spokesman for rewards bank card, Yonder, which commissioned the analysis, stated: “You could be quite literally leaving points on the table.

“We’ve crunched the numbers this party season, and found if you are planning festive meals out – and you trust your pals to pay you back – footing the bill can be a really smart idea, as long as it doesn’t cause any dramas.”

The model has grouped various kinds of points-enthusiasts into character varieties, together with the “Sneak” – a vigilant opportunist who's almost definitely to pay the invoice beneath the radar, typically earlier than the opposite members of the social gathering have observed.

The “Hero” is called the “fixer” of the group – usually community-oriented, and an amazing workforce participant – who is usually discovered leaping in to resolve confusion over the splitting of payments.

And The “Snatcher” is assured of their skills, and isn’t afraid to take dangers to be the primary to safe rewards factors. They are often the one grabbing the cardboard machine earlier than anybody else has time to react.

Meanwhile, the “Timelord” will provide to pay to maintain issues on schedule, and the “Negotiator” can typically be discovered paying a bunch invoice due to their powers of persuasion. To assist you determine which character kind you fall into, this quiz has been launched by Yonder. 

The survey outcomes additionally discovered 13 p.c have fallen out with a buddy or member of the family after incomes factors on a bunch invoice.

And 39 p.c take into consideration their accumulating factors at the least as soon as per week – with 37 p.c claiming to have a popularity amongst buddies because the one who at all times volunteers to pay.

Yonder’s spokesman added: “Being smart with credit card use is a great way to pick up some of the benefits they offer. It’s important to make sure you’re only picking up bills or buying things you can afford, or else the points really aren’t worth it.

“But with this December having five full weekends – a rarity – it is a great opportunity for points-hunters to max out their gains.”