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Best Dining Credit Cards in Hong Kong

Compare dining credit cards in Hong Kong to enjoy dining promotions and hotel buffet offers. Read More
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Citibank 花旗銀行 logo
MoneySmart Exclusive
5x Points on contactless transactions

Citi Rewards MasterCard

Min. Annual Salary
HK$150,000
Miles Conversion (Dining)
$3 = 1 Mile
Cash back on dining
0.4%
Extra HK$500 voucher apply via MoneySmart!
Valid until 31 Mar 2021 - See more details below
Apply Now
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Earn cashback from digital wallets

Citi Cash Back Card

Min. Annual Salary
HK$240,000
Miles Conversion (Dining)
N.A.
Cash back on dining
2%
Extra HK$500 voucher apply via MoneySmart!
Valid until 31 Mar 2021 - See more details below
Apply Now
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Free travel insurance and airport lounges access

Citi PremierMiles Card

Min. Annual Salary
HK$240,000
Miles Conversion (Dining)
$8 = 1 Mile
Cash back on dining
3.2%
Extra HK$300 voucher apply via MoneySmart!
Valid until 31 Mar 2021 - See more details below
Apply Now
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渣打銀行 logo
Unlimited cashback

Standard Chartered Simply Cash Visa Card

Min. Annual Salary
HK$96,000
Miles Conversion (Dining)
N/A
Cash back on dining
1.5%
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AE 美國運通 logo
MoneySmart Exclusive
Enhanced Welcome Offer

The Platinum Card

Min. Annual Salary
HK$1,000,000
Miles Conversion (Dining)
$7.5 = 1 Mile
Cash back on dining
N/A
【Enhanced welcome offer】HK$1,000 Sogo Cash coupon upon Card Approval and Enhanced welcome offer up to 600,000 points (worth HK$2,000 cash vouchers)
Valid until 31 Mar 2021 - See more details below
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BEA 東亞銀行 logo

BEA UnionPay Dual Currency PLATINUM Credit Card

N/A
N/A
N/A
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AE 美國運通 logo
MoneySmart Exclusive
Unlimited 1.2% Cashback

Blue Cash® Credit Card from American Express

Min. Annual Salary
HK$150,000
Miles Conversion (Dining)
N/A
Cash back on dining
1.2%
HK$300 Supermarket Voucher upon Card Approval , A total of welcome offer up to HK$1,102
Valid until 31 Mar 2021 - See more details below
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AE 美國運通 logo
MoneySmart Exclusive
Up to 50% savings at designated restaurants

American Express® Platinum Credit Card

Min. Annual Salary
HK$300,000
Miles Conversion (Dining)
$5 = 1 Mile
Cash back on dining
1％
Extra HK$$1,500 city’super Coupon upon card approval
Enjoy welcome offers valued up to HK$2,960
Valid until 31 Mar 2021 - See more details below
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渣打銀行 logo
As low as HK$0.2=1 Asia Miles for welcome offer

Standard Chartered Asia Miles Mastercard

Min. Annual Salary
HK$96,000
Miles Conversion (Dining)
HKD4 = 1 Mile
Cash back on dining
N/A
Apply Now
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DBS 星展銀行 logo
Welcome Offer
Redeem various mileage points without any fee

DBS Black World Mastercard

Min. Annual Salary
HK$240,000
Miles Conversion (Dining)
$6 = 1 Mile
Cash back on dining
0.8%
Welcome Offer:
Get up to 50,000 miles and additional DBS$300 reward
Customer must choose to participate in the DBS$ Redemption Scheme and conduct retail and/ or overseas spending ("Eligible Spending") according to the designated condition ("Spending Condition"):
Valid until 31 May 2021 - See more details below
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AEON信貸財務(亞洲) logo
Apply online to enjoy extra HK$100 welcome rebate

AEON UnionPay Credit Card

Min. Annual Salary
HK$0
Rebate on spending on local dining
0%
Rebate on other spend
0.4%
Apply Now
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HSB 恒生銀行 logo

Hang Seng enJoy Card

Min. Annual Salary
HK$150,000
Miles Conversion (Dining)
N/A
Cash back on dining
1％
Apply Now
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HSBC 滙豐銀行 logo

HSBC Visa Signature Card

Min. Annual Salary
HK$360,000
Miles Conversion (Dining)
HK$2.78 = 1 Mile
Cash back on dining
5.6%
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HSBC 滙豐銀行 logo

HSBC Red Credit Card

Min. Annual Salary
HK$120,000
Cash back on Online purchases
4%
Cash back on Supermarket purchases
2%
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DBS 星展銀行 logo

DBS Eminent Visa Signature Card

Min. Annual Salary
HK$360,000
Miles Conversion (Dining)
N/A
Cash back on dining
1%
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中國建設銀行(亞洲) logo

CCB (Asia) AIA Credit Card

Min. Annual Salary
HK$150,000
Miles Conversion (Dining)
HK$15 = 1 mile
Cash back on dining
0.4%
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AE 美國運通 logo
Free Marco Polo Club green tier membership

American Express Cathay Pacific Credit Card

Min. Annual Salary
HK$150,000
Miles Conversion (Dining)
$8 = 1.5 Mile
Cash back on dining
N/A
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工銀亞洲 logo

ICBC Horoscope UnionPay Dual Currency Diamond Card

Min. Annual Salary
HK$250,000
Miles Conversion (Dining)
N/A
Cash back on dining
1%
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工銀亞洲 logo

ICBC | LINE FRIENDS Visa Signature Card

Min. Annual Salary
HK$250,000
Miles Conversion (Dining)
N/A
Cash back on dining
0.5%
Read More
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AE 美國運通 logo
Complimentary Plaza Premium Lounge access

American Express Cathay Pacific Elite Credit Card

Min. Annual Salary
HK$300,000
Miles Conversion (Dining)
HK$6 = 1 Mile
Cash back on dining
N/A
Read More
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Best Dining Credit Cards in Hong Kong 2020

Credit CardsPartner RestaurantsRewards
Citi Cash Back Visa CardHyatt Regency Hong Kong, Ah Yat Harbour View, etc.2% cashback on all dining
HSBC Visa Signature CardRoyal Park Hotel, Hong Kong Gold Coast Hotel, Regal Airport Hotel, etc.Up to 3.6% cashback
Standard Chartered Simply Cash Visa CardShanghai Min, BLT Steak, East Ocean Restaurant, etc. 1.5 % cashback on all dining
American Express Platinum Credit CardMaxim’s Chinese Cuisine, m.a.x. concepts and Cafe Deco Group1% cashback/ HK$5 = 1 mile
Hang Seng Visa Infinite CardIsland Shangri-La, Hong Kong, InterContinental Hong Kong Sheraton Hong Kong Hotel & Towers Sheraton Hong Kong Hotel & Towers, etc.Up to 10x Cash Dollars for online shopping/local dining spending on weekends
DBS Black World MastercardJW Marriott Hotel Hong Kong, Hyatt Centric Victoria Harbour Hong Kong 2X DBS$ (equals to HK$6 = 1 mile)

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 dining bills in selected hotels throughout the year. Some offers are applicable even on Sunday. For example, cardholders and accompanying guests can enjoy a 10% off buffet at 2+2 café, Royal Park Hotel. Cardholders can also enjoy 32% off lunch buffet at Cafe by the Park, B P International, from Sunday to Monday.

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 15% off buffet at Cafe - Hyatt Regency Hong Kong, Tsim Sha Tsui. Platinum Cardholders can also enjoy 30% saving at Mira Dining Selected Restaurants, including Cuisine Cuisine, Tsui Hang Village etc.

DBS Credit Cards

DBS Credit Cards offer up to 20% off on designated restaurants by making reservations via Chope App with the promo code “DBS2020”, including Jamie's Italian, BRICK LANE, NOBU InterContinental Hong Kong etc. DBS Cardholders can also enjoy a HK$20 daily instant discount through THE GULU app, with purchase of any cash coupon, product or order service for HK$60 or above.

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 global dining, hotel and spending in foreign currency
  • 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.

    • 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 Standard Chartered credit cards as an example, you can get up to 10% off at Dining Concepts designated restaurants including BLT Steak, Bombay Dreams, maze Grill and Bizou American Brasserie etc.. For Hang Seng credit cards, you can enjoy all year round offers at Maxim’s Group (e.g. Maxim’s Palace, Jade Garden, and Maxim’s Cakes).

    Tips for Using Credit Card Dining Promotions

    Tip #1Promotion 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 #2Limit 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 #3Payment 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, cashback or reward points, but also different dining offers from bank-restaurant collaborations. Take Hang Seng 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, hotel restaurants and bars etc.) 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.