Best Dining Credit Cards Hong Kong 2020

Annual Interest Rate	35.52%
Principle Annual Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver	Yes
Minimum Monthly Repayment	1.5% of monthly balance + fees
Interest Free Period	Up to 58 days

Local Resident	HK$240,000
Foreigner	HK$360,000

Card Association	Visa
Wireless Payment	Visa payWave

Annual Interest Rate	33.41%
Principle Annual Fee	HK$2,000
Supplementary Annual Fee	N/A
Fee Waiver	Yes
Minimum Monthly Repayment	All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$220, whichever is higher
Interest Free Period	Up to 56 days

Local Resident	HK$96,000
Foreigner	HK$0

Card Association	Visa
Wireless Payment	Visa PayWave

Annual Interest Rate	37.67%
Principle Annual Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver	Yes
Minimum Monthly Repayment	The Minimum Payment is calculated as the highest of the following three amounts: (i) 1.5% of outstanding Principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220 , plus any overdue minimum payments and any amount exceeding your credit limit
Interest Free Period

Local Resident	HK$300,000
Foreigner	HK$300,000

Card Association	American Express
Wireless Payment	Amex Pay

Annual Interest Rate	37.67%
Principle Annual Fee	HK$980
Supplementary Annual Fee	N/A
Fee Waiver	Yes
Minimum Monthly Repayment	The highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit.
Interest Free Period

Local Resident	HK$150,000
Foreigner	HK$150,000

Card Association	American Express
Wireless Payment	Amex Pay

Annual Interest Rate	35.52%
Principle Annual Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver	Yes
Minimum Monthly Repayment	1.5% of monthly balance + fees
Interest Free Period	Up to 58 days

Local Resident	HK$240,000
Foreigner	HK$240,000

Card Association	Visa
Wireless Payment	Visa payWave

Annual Interest Rate	31.59%
Principle Annual Fee	HK$480
Supplementary Annual Fee	N/A
Fee Waiver	Annual fee will be waived if yearly credit purchase spending reach HK$30,000
Minimum Monthly Repayment	4% of credit purchase balance and cash advance balance or HK$100 each, whichever is higher ; 80% of credit purchase balance
Interest Free Period

Local Resident	HK$0
Foreigner	HK$0

Card Association	MasterCard
Wireless Payment	Wireless payment

Annual Interest Rate	37.67%
Principle Annual Fee	HK$2,200
Supplementary Annual Fee	N/A
Fee Waiver	N/A
Minimum Monthly Repayment	The highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit.
Interest Free Period	N.A.

Local Resident	HK$300,000
Foreigner	HK$0

Card Association	American Express
Wireless Payment	Amex Pay

Annual Interest Rate	35.52%
Principle Annual Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver	Yes
Minimum Monthly Repayment	1.5% of monthly balance + fees
Interest Free Period	Up to 58 days

Local Resident	HK$60,000
Foreigner	HK$60,000

Card Association	Visa
Wireless Payment	Visa payWave

Annual Interest Rate	34.97%
Principle Annual Fee	HK$0
Supplementary Annual Fee	N/A
Fee Waiver	Yes
Minimum Monthly Repayment	N/A
Interest Free Period	Up to 56 days

Local Resident	HK$15,000
Foreigner	HK$15,000

Card Association	MasterCard
Wireless Payment	N/A

Annual Interest Rate	33.41%
Principle Annual Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver	Yes
Minimum Monthly Repayment	All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HKD/CNY220, whichever is higher
Interest Free Period	Up to 56 days

Local Resident	HK$96,000
Foreigner	HK$0

Card Association	Mastercard
Wireless Payment	Mastercard contactless

Annual Interest Rate	37.67%
Principle Annual Fee	HK$980
Supplementary Annual Fee	N/A
Fee Waiver	Yes
Minimum Monthly Repayment	The Minimum Payment is calculated as the highest of the following three amounts: (i) 1.5% of outstanding Principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220 , plus any overdue minimum payments and any amount exceeding your credit limit
Interest Free Period

Local Resident	HK$150,000
Foreigner	HK$150,000

Card Association	American Express
Wireless Payment	Amex Pay

Annual Interest Rate	36.33%
Principle Annual Fee	HK$2,000
Supplementary Annual Fee	N/A
Fee Waiver	Yes
Minimum Monthly Repayment	Varies. For more info, view T&C
Interest Free Period	Up to 60 Days

Local Resident	HK$240,000
Foreigner	HK$240,000

Card Association	Mastercard
Wireless Payment	payWave

Annual Interest Rate	35.52%
Principle Annual Fee	HK$180
Supplementary Annual Fee	N/A
Fee Waiver	Yes
Minimum Monthly Repayment	1.50% of monthly balance + fees
Interest Free Period	Up to 58 days

Local Resident	HK$60,000
Foreigner	HK$60,000

Card Association	Visa
Wireless Payment	Visa payWave

Annual Interest Rate	37.67%
Principle Annual Fee	HK$980
Supplementary Annual Fee	N/A
Fee Waiver	Yes
Minimum Monthly Repayment	The highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit.
Interest Free Period

Local Resident	HK$150,000
Foreigner	HK$150,000

Card Association	American Express
Wireless Payment	Amex Pay

Annual Interest Rate	N/A
Principle Annual Fee	HK$7,800
Supplementary Annual Fee	complimentary 2 supplementary cards
Fee Waiver	No
Minimum Monthly Repayment	N/A
Interest Free Period

Local Resident	HK$1,000,000
Foreigner	HK$1,000,000

Card Association	American Express
Wireless Payment	N/A

Annual Interest Rate	37.75%
Principle Annual Fee	HK$2,000
Supplementary Annual Fee	HK$1,000
Fee Waiver	Yes
Minimum Monthly Repayment	Total fees and charges currently billed to the card statement plus 1% of the statement balance (excluding any fees and charges currently billed) as at the statement date (minimum HK$50), plus overdue or overlimit due whichever is higher.
Interest Free Period	56days

Local Resident	HK$360,000
Foreigner	HK$360,000

Card Association	Visa
Wireless Payment	N.A. To borrow or not to borrow? Borrow only if you can repay!

Annual Interest Rate	35.70%
Principle Annual Fee	HK$2,000
Supplementary Annual Fee	N/A
Fee Waiver	Yes
Minimum Monthly Repayment	Varies. For more info, view T&C
Interest Free Period	Up to 60 days

Local Resident	HK$360,000
Foreigner	HK$360,000

Best Dining Credit Cards in Hong Kong 2019

Credit Cards	Partner Restaurants	Rewards
Citi Cash Back Visa Card	Hyatt Regency Hong Kong, Ah Yat Harbour View, etc.	2% cashback on all dining
HSBC Visa Signature Card	Royal Park Hotel, Hong Kong Gold Coast Hotel, Regal Airport Hotel, etc.	Up to 3.6% cashback
Standard Chartered Simply Cash Visa Card	Shanghai Min, BLT Steak, East Ocean Restaurant, etc.	1.5 % cashback on all dining
American Express Platinum Credit Card	Maxim’s Chinese Cuisine, m.a.x. concepts and Cafe Deco Group	1% cashback/ HK$5 = 1 mile
Hang Seng Visa Infinite Card	Island Shangri-La, Hong Kong, InterContinental Hong Kong Sheraton Hong Kong Hotel & Towers Sheraton Hong Kong Hotel & Towers, etc.	Up to 10x Cash Dollars for online shopping/local dining spending on weekends

Credit Card Dining Promotions in Hong Kong

HSBC Credit Cards

HSBC cards provide one of the largest selections of hotel dining offers in town. Members can enjoy discounts off diing bills in selected hotels throughout the year. Some offers are applicable even on Sunday. For example, cardholders and accompanying guests can enjoy 10% off buffet at 2+2 café, Royal Park Hotel. Cardholders can also enjoy one complimentary dinner buffet upon purchasing an adult dinner buffet at Tiffin at Grand Hyatt Hong Kong.

Hang Seng Credit Cards

Cardholders can experience dining privileges that Hang Seng Card has to offer. Enjoy 15% off lunch, afternoon tea, and dinner buffets at the Marco Polo Hongkong Hotel and 10% off lunch and dinner buffets at Courtyard by Marriott Hong Kong, etc.

American Express Credit Cards

In addition to up to 50% savings with Gourmet Club membership at designated restaurants of Maxim’s Chinese Cuisine, m.a.x. concepts and Cafe Deco Group, eligible American Express cardholders also have access to a host of dining privileges at hotels such as 10% off buffet at Cafe - Hyatt Regency Hong Kong, Sha Tin. Blackout dates and terms and conditions apply.

Earn More Rewards

With PrimeCredit EarnMore credit card, cardholders can enjoy 2% cashback on dining in hotels and restaurants.

Best Cash Back Credit Cards for Dining

Citi Cash Back Card

Unlimited cash rebate with no minimum spending requirements
1% cash rebate for local spending including dining
2% cash rebate on online or overseas transactions
Enjoy free medium drink upgrade at McCafe
Enjoy 12% off all buffets and a la carte food and beverages at The Place, Cordis, Hong Kong
Enjoy all Visa Signature Privileges

HSBC Visa Signature Credit Card

Enjoy an extra 1.2% RewardCash rebate in all spending categories of "Red Hot Rewards of Your Choice" without the need to register in advance
Earn up to 2.4% RewardCash rebate with “Red Hot Rewards of Your Choice” and 2% RewardCash rebate with “Red Hot Online & Overseas Spending Rewards”
Enjoy dining offers from reputable restaurants in town including ClubONE, East Ocean, BRICK LANE, and BLT Steak.
Enjoy 2-for-1 dinner buffet at Tiffin, Grand Hyatt Hong Kong

Standard Chartered Simply Cash Visa Card

Limitless cash rebate with no minimum spending
1.5% cash rebate on local retail spending/ online shopping (AAVS included)
2% cash rebate on overseas transactions
Perpetual annual fee waiver for principal cardholders with Priority Banking/ Premium/ Bonus Payroll Account
Enjoy Visa Signature Privileges
Enjoy 8% discount on Ice-cream cakes at Häagen-Dazs
Enjoy 10% discount on à la carte menu at BLT Steak

All-Year-Round Credit Card Dining Promotions

Every bank collaborates with different restaurant groups and local restaurants to provide all year round dining offers. Take HSBC credit cards as an example, you can get up to 20% off on Maxim’s Palace, Jade Garden, and Maxim’s Cakes. For Hang Seng credit card, you can enjoy all year round offers at Cafe Deco Group (e.g. Made in HK, Stormies, and Beerliner).

Tips for Using Credit Card Dining Promotions

Tip #1

Promotion Period

Cardholders need to check the expiry date before claiming the offers. Moreover, it is worth finding out if the promotion only applies to a specific time and day.

Tip #2

Limit on Number of People

Some offers are only applicable to a specific party size from 2-10. To avoid disappointment, it is better to check with the participating restaurant first.

Tip #3

Payment Method

To be eligible for the offer, cardholders are required to settle the dining bills with the specific card that offers such dining privileges.

Dining Offers for Visa, Mastercard & UnionPay

Apart from offers launched by banks, card issuers like Visa, Mastercard, and UnionPay have their own dining offers. For example, Visa Signature enjoys buffet 1-for-1 offer at selected hotels and UnionPay enjoys 5% off on Watami, Watei, and Kyo Watami.

Frequently Asked Questions

What are the strengths of dining credit cards?

Dining credit cards earn you not only air miles, cashbacks or reward points, but also different dining offers from bank-restaurant collaborations. Take HSBC credit cards as an example, you can get all year round discounts at Maxim's Caterers.

How to pick a dining credit card that fits my needs?

You can pick a credit card based on your habits and your favourite restaurants. Besides your preference, you should check cashbacks, spend requirements, conversion fees, and the Terms & Conditions of credit cards.

Can I earn cashback from every dining spending?

Most of the restaurants (e.g. fast food, restaurant chains, and bars) are eligible dining spending for credit cards. However, please note that some big dining purchases (e.g. hotel buffets, banquet service, private cocktail parties, and private events) and food courts in department stores and supermarkets are not counted as dining spending. It’s better for you to check with your credit card issuers beforehand.

How to use the offers of my dining credit card?

If your credit cards have all year round dining offers, you usually don’t need to register in advance. However, you might need to register via phone or e-banking beforehand if the dining offers are time-limited. For some credit cards, you’re required to make a reservation and pay by your dining credit cards to get the offers.

Can I get a dining credit card if I’m a housewife/freelancer/tertiary school student?

Yes, you can! Simply check the banks’ requirements beforehand – some banks set a lower bar on annual salary and those dining credit cards are the best for you. Submitting your income proof increases your chances of getting approved, but you can still apply for those dining credit cards without supporting documents.

Is there anything I need to know while applying for dining credit cards?

Yes, be aware of the Terms & Conditions. You may need to reach a minimum spend before getting dining offers of credit cards. Each restaurant has a different spending requirement. Some dining credit cards give you more rewards on festivals and weekends, such as BEA credit cards offer you 4.4% cashback for dining, retail and online spending on Saturday and Sunday. But make sure you check the caps and the expiry dates of dining credit cards’ points and cashbacks.

Annual Interest Rate	36.43%
Principle Annual Fee	HK$0
Supplementary Annual Fee	HK$0
Fee Waiver	yes
Minimum Monthly Repayment	Total fees and charges currently billed to the card statement plus 1% of the statement balance (excluding any fees and charges currently billed) as at the statement date (minimum HK$50), plus overdue or overlimit due whichever is higher.
Interest Free Period	56

Best Dining Credit Cards in Hong Kong

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Category

Provider

Best Dining Credit Cards

Citi PremierMiles Card

Other Promotions

Dining Features

Annual Interest Rate and Fees

Minimum Income Requirements

Other

Standard Chartered Simply Cash Visa Card

Dining Features

Annual Interest Rate and Fees

Minimum Income Requirements

Other

American Express Cathay Pacific Elite Credit Card

Dining Features

Annual Interest Rate and Fees

Minimum Income Requirements

Other

Popular Dining Credit Cards

Blue Cash℠ Credit Card from American Express

Dining Features

Annual Interest Rate and Fees

Minimum Income Requirements

Other

Citi Cash Back Visa Card

Other Promotions

Dining Features

Annual Interest Rate and Fees

Minimum Income Requirements

Other

AEON Card JAL

Dining Features

Annual Interest Rate and Fees

Minimum Income Requirements

Other

American Express® Platinum Credit Card

Dining Features

Annual Interest Rate and Fees

Minimum Income Requirements

Other

Citi Rewards Visa Card

Dining Features

Annual Interest Rate and Fees

Minimum Income Requirements

Other

Hang Seng MPOWER CARD

Dining Features

Annual Interest Rate and Fees

Minimum Income Requirements

Other

Standard Chartered Asia Miles Mastercard

Dining Features

Annual Interest Rate and Fees

Minimum Income Requirements

Other

American Express Cathay Pacific Credit Card

Dining Features

Annual Interest Rate and Fees

Minimum Income Requirements

Other

DBS Black World Mastercard

Dining Features

Annual Interest Rate and Fees

Minimum Income Requirements

Other

Citi Clear Card

Other Promotions

Dining Features

Annual Interest Rate and Fees

Minimum Income Requirements

Other

American Express® I.T Cashback Card

Dining Features

Annual Interest Rate and Fees

Minimum Income Requirements

Other

The Platinum Card®