Best Dining Credit Cards Hong Kong

Updated April 2019

Find the best credit cards for dining with promotions, rewards and air miles in Hong Kong, MoneySmart compares HSBC, Citibank, DBS, Standard Chartered and more for your valuable dining offers. Quick compare and easy to apply online!

Other Dining Cards

AEON Card JAL
AEON Card JAL

$0

Min. Annual Salary

$6 = 1 Mile

Miles Conversion (Dining)

N.A.

Cash back on dining

Promotion: Welcome Offer up to HK$500 + Up to HK$2000 rebate for overseas spending + Earn 3X Bonus points
Best for: People who like to travel to Japan

Pros

  • No transaction fee is imposed by AEON on foreign currency transaction
  • Enjoy 10% discount for all inflight purchases
  • Accumulate credit purchase spending HK$30,000 or above in 12 months upon card issuance and annually thereafter, the annual fee $480 of the coming year will be waived
  • Enjoy 5% discount offer for shopping at Japan Duty Free shops and JAL Duty Free at the Narita International Airport, Tokyo
  • Enjoy 5% credit purchase discount at AEON on "Thanksgiving Days" (2nd & 20th of every month)

Cons

  • Miles can only be used for Japan Airlines
American Express® Platinum Credit Card
American Express® Platinum Credit Card

$300,000

Min. Annual Salary

$5 = 1 Mile

Miles Conversion (Dining)

N.A

Cash back on dining

Promotion: Special welcome offer of up to HK$2,960 + MONEYSMART exclusive HK$400 Voucher!
Best for: Those who enjoy fine dining, traveling around the world with friends or shopping for your favorite fashion finds

Pros

  • Membership Rewards Program, spend HK$1 = 3 Membership Reward Points (Cap at HK$120,000)
  • 2 complimentary Supplementary Cards
  • Gourmet Club membership with up to 50% savings on the a la carte dinner menu at designated restaurants of Maxim’s Chinese Cuisine, m.a.x. concepts and Cafe Deco Group
  • Buy 1 get 1 free movie ticket on Thursday and Friday on 3D, 2D and IMAX movie tickets at Broadway Circuit and AMC Pacific Palace Cinemas. Plus, 15% savings on 3D, 2D and IMAX regular priced movie tickets
  • 10% off on select hotel bookings and an extra HK$100 cash back for every HK$2,000 spent on Expedia
  • Extra 10 Membership Rewards Points with every HK$1 spent at Hong Kong Parkview

Cons

  • No rebates on octopus card auto add value
Citi Cash Back Visa Card
Citi Cash Back Visa Card

$240,000

Min. Annual Salary

N.A.

Miles Conversion (Dining)

2%

Cash back on dining

Promotion: Welcome offer HK$1,000 cash back for welcome rewards!
Best for: Cash back rewards seekers, especially those who frequently spend on dining and local merchants in Hong Kong

Pros

  • Welcome offer HK$1,000 cash back for welcome rewards
  • 2% cash rebate on global dining and hotel spending
  • 2% cash rebate on other spending in foreign currency
  • 1% rebate on e-wallet transaction (PayMe, WhChat Pay, AliPay, Octopus)
  • Enjoy all Visa Signature Privileges

Cons

  • No rebates on bill-payment
DBS Black World Mastercard
DBS Black World Mastercard

$240,000

Min. Annual Salary

$6 = 1 Mile

Miles Conversion (Dining)

0.8%

Cash back on dining

Promotion: Welcome offer: Up to 85,000 miles MONEYSMART exclusive HK$200 Voucher!
Best for: Travel lovers, using DBS$ to redeem 4 different kinds of mileage, or instant redeem flight ticket or hotel via iGO Rewards with DBS$

Pros

  • Attractive welcome offer:First HK$5,000 local spending HK$1 = 1 Mile and first HK$5,000 oversea spending HK$1=1 Mile
  • No expiry date on DBS$
  • 20% off Cash Rebate Redemption Promotion
  • Exclusive 45% off iGO Rewards Redemption
  • Complimentary newspaper/magazine redemption at airport
  • Use DBS$ to redeem flights, hotels, car rental or packages
  • Top up in PayMe can earn HK$6 = 1 Mile

Cons

  • No miles on bill-payment and insurance payment
  • No complimentary travel insurance
Hang Seng enJoy Card
Hang Seng enJoy Card

$150,000

Min. Annual Salary

N.A.

Miles Conversion (Dining)

1%

Cash back on dining

Promotion: Welcome offers up to $400 enJoy Dollars and receive HKD3,500 designated merchant coupons
Best for: People who frequently shopping on enJoy card designated merchant

Pros

  • Many designated merchants exclusive year-round discount offers
  • 1% enJoy Dollars Rebate for spending with your Card at the enJoy Card Designated Merchants (every HKD200 = $2 enJoy Dollars)
  • up to 2.4% Cash Dollars rebate on overseas spending and online shopping
  • Principal and Supplementary Card Customers will enjoy Perpetual Annual Fee Waiver

Cons

  • Every HKD200 card spending with your Card at merchant outlets other than the enJoy Card Designated Merchants, you can earn $1 Cash Dollar
Citi Rewards Visa Card
Citi Rewards Visa Card

$150,000

Min. Annual Salary

$3 = 1 Mile

Miles Conversion (Dining)

0.4%

Cash back on dining

Promotion: Welcome offer 135,000 Points!
Best for: Frequent shoppers looking to maximize points that can be used for a wide range of redemption options

Pros

  • Welcome offer 135,000 Points (can be redeemable for HK$600 Wellcome coupon or 9000 Miles=Round trip ticket to Taipei 1 set)
  • Enjoy 5X points (=HK$3/Mile) all year round and 8X points (=HK$1.875/Mile) during your birthday month for spending in supermarkets, department stores and telecommunication bill payments
  • E-wallet transaction is eligible as welcome offer spending (PayMe, WhChat Pay, AliPay, etc.)
  • Points never expire
  • Low annual income requirement for HK$150,000

Cons

  • Fees will be charged for converting points into miles
  • No points for making payment through online e-banking
  • No offers for overseas spending
Standard Chartered Simply Cash Visa Card
Standard Chartered Simply Cash Visa Card

HK$96,000

Min. Annual Salary

N.A.

Miles Conversion (Dining)

1.5%

Cash back on dining

Promotion: Welcome offer up to HKD1,100 CashBack + MONEYSMART exclusive HK$250 Voucher!
Best for: CashBack seekers

Pros

  • Attractive New Cardholders welcome offer, up to HKD1,000 CashBack (100% CashBack)
  • Receive extra HKD100 CashBack when apply for Standard Chartered UnionPay Dual Currency Platinum Credit Card at the same time
  • 1.5% CashBack on local currency spending, including Octopus Automatic Add-Value transactions
  • Minimum annual income requirement is HKD240,000
  • Enjoy all promotions of Visa Signature

Cons

  • No CashBack on bill payments made through Standard Chartered Online Banking, Standard Chartered Phone Banking or JET Payment Services and insurance payments
Standard Chartered Asia Miles Mastercard
Standard Chartered Asia Miles Mastercard

HK$96,000

Min. Annual Salary

HKD4 = 1 Mile

Miles Conversion (Dining)

N.A.

Cash back on dining

Promotion: Welcome offer up to 40,000 Asia Miles (As low as HKD0.5 = 1 Asia Mile) + MONEYSMART exclusive HK$250 Voucher!
Best for: Asia Miles lovers, especially those who frequently spend on dining and online shopping

Pros

  • Attractive welcome offer of up to 40,000 Asia Miles
  • Receive extra 1,000 Asia Miles when successfully apply for both Standard Chartered Asia Miles Mastercard and Standard Chartered UnionPay Dual Currency Platinum Credit Card via online at the same time
  • Relatively high earning ratio of HKD4 = 1 Asia Mile on dining, online and overseas spending
  • 2 days priority redemption for selected discount flight awards bookings online from time to time
  • Even octopus auto add value service can earn HKD6 = 1 Asia Mile
  • 20% discount on Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles™
  • Miles will be automatically credited to your Asia Miles™ membership account with no mileage conversion fee

Cons

  • Asia Miles is valid for 3 years
  • No rebates on online banking bill-payment and insurance payment
American Express Cathay Pacific Credit Card
American Express Cathay Pacific Credit Card

$150,000

Min. Annual Salary

$8 = 1.5 Mile

Miles Conversion (Dining)

N.A.

Cash back on dining

Promotion: Up to 74,000 Asia Miles + MONEYSMART exclusive HK$250 Voucher!
Best for: Travel lovers for earning most air miles with large spending, also Cathay Pacific frequent user and enjoy travel benefits

Pros

  • Enjoy Twice-yearly Plaza Premium Lounge access
  • Complimentary travel insurance and shopping protection
  • HK$8 = 1 Asia Mile on all local spend and HK$8 = 1.5 Asia Mile on foreign currency spend

Cons

  • No rebates on octopus card auto add value
American Express Cathay Pacific Elite Credit Card
American Express Cathay Pacific Elite Credit Card

$300,000

Min. Annual Salary

$6 = 1 Mile

Miles Conversion (Dining)

N.A.

Cash back on dining

Promotion: Welcome offers up to 76,000 Asia Miles + MONEYSMART exclusive HK$250 Voucher!
Best for: Travel lovers for earning most air miles with large spending, also Cathay Pacific frequent user and enjoy travel benefits

Pros

  • Enjoy complimentary access to Plaza Premium Lounge each year
  • HK$6 = 1 Asia Mile on all local spend and HK$6 = 1.5 Asia Mile on foreign currency spend
  • No charge on miles conversion as the spending will be automatically converted to Asia Miles
  • Complimentary travel insurance and shopping protection
  • Enjoy 10% discount at Broadway Circuit and AMC Pacific Place cinemas

Cons

  • No rebates on octopus card auto add value
Citi Clear Card
Citi Clear Card

$60,000

Min. Annual Salary

N.A.

Miles Conversion (Dining)

0.4%

Cash back on dining

Promotion: Welcome offer HK$800 Cash Rebate + Buy-1-Get-1-Free movie tickets + Priority booking on entertainment shows!
Best for: People who love online spending frequently and love watch movies at the cinema

Pros

  • Welcome offer HK$800 Cash Rebate
  • 2% cash rebate on online spending in foreign currency
  • 10% off Citi Studio 4DX movie tickets, 12% off for 3D / 2D movie tickets (Maximum 8 tickets per transaction), and 10% off for concession items
  • Buy 1 get 1 free on Friday to Sunday for 3D / 2D movie tickets is eligible on local spending HK$500 made by the Citi Clear Card in the same or previous calendar month as the Cinema City movie ticket purchase.
  • Simple approval conditions which students can also apply

Cons

  • Cannot earn mileage
  • No rebates for settling bills via e-banking
American Express I.T Cashback Card
American Express I.T Cashback Card

$150,000

Min. Annual Salary

N.A.

Miles Conversion (Dining)

1.2%

Cash back on dining

Promotion: HK$500 I.T gift certificate for welcome offer +2 Movie tickets + MONEYSMART exclusive HK$100 Voucher and Le Creuset Gift Set !
Best for: Cash rebates seekers,, and frequently shop at I.T fashion stores and online shopping

Pros

  • 1.2% cash back on local spending
  • 1.2% cash back on overseas spending
  • Unlimited rebate with no minimum spending
  • Up to 15% I.T savings, 25% discount during your Birthday month
  • Enjoy 15% savings on 2D, 3D and IMAX movie tickets at Broadway Circuit and AMC Pacific Place Cinemas
  • Protection against unauthorized or fraudulent online transactions
  • 24/7 Customer Service

Cons

  • No rebates on octopus card auto add value
Citi PremierMiles Card
Citi PremierMiles Card

$240,000

Min. Annual Salary

$8 = 1 Mile

Miles Conversion (Dining)

3.2%

Cash back on dining

Promotion: Welcome offer round trip ticket to Taipei 1 set (108,000 Points) + Free year-round travel insurance!
Best for: Frequent travellers who would enjoy free travel insurance, good overseas spending conversion rate, and airport lounge access

Pros

  • Welcome offer round trip ticket to Taipei 1 set (108,000 Points) (9,000 Avios, can be redeemable for Round trip ticket to Taipei 1 set)
  • Flexible mile redemption options including Avios, KrisFlyer etc.
  • High miles conversion rate of HK$3 = 1 Miles for overseas spend
  • Short mileage conversion time, only takes 4-8 days
  • Free travel insurance
  • No charge on Dynamic Currency Conversion payment
  • Points do not expire

Cons

  • No miles earned on online bill-payment
The Platinum Card
The Platinum Card

$1,000,000

Min. Annual Salary

$7.5 = 1 Mile

Miles Conversion (Dining)

N.A.

Cash back on dining

Promotion: Welcome offer : Up to 700,000 Membership Rewards Points + MONEYSMART exclusive HK$400 Voucher!
Best for: Frequent travellers who value premium experiences and looking to redeem membership rewards points for air miles and different kinds of gifts

Pros

  • In Membership Rewards Turbo Program, spend HK$1 = 2 points and 15 points = 1 miles (HK$7.5 = 1 Mile)
  • HK$5 = 1 mile on oversea spending and flights booking with designated airline
  • Unlimited access to worldwide airport lounge
  • Enjoy travel and hotel benefits
  • Buy 1 get 1 free movie ticket on both Thursday and Friday at any Broadway Circuit and AMC Pacific Place cinema
  • Enjoy the platinum concierge service

Cons

  • The Buy-1-Get-1-Free movie tickets offer is not applicable in specified days
All results loaded

Compare Dining Credit Cards in Hong Kong 2019

OffersCredit CardDining Cashback
2% cash rebate for global dining and hotel spending (buffet must-have)Citi Cash Back Visa Card2% cash rebate
Free delivery for the first 3 Deliveroo orders of new customersHSBC Visa Signature Card2.4% cash rebate or $4.17/mile
Max. $120 Foodpanda offerDBS Eminent Visa Signature Card3% cash rebate
4.4% cash rebate for $500+ dining spending on Saturday and SundayBEA Visa Signature Card2.4% cash rebate

Credit Card Dining Promotions 2019

For a foodie like you, having a dining credit card allow you not only to earn more air miles and cashback, also save more with the dining offers provided by card issuers.

All Year Round Dining Credit Card Offers

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).

Time-Limited Offers

Credit cards collaborate with restaurants to launch time-limited offers, giving you discounts on festivals and celebrations. Take DBS credit cards as an example, lately, they have launched a Christmas offer: ordering Haagen-Dazs ice cream fondue takeaway gives you basic 3% dining rebate and a discount up to 10%.

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, 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, 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 chance 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, but 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.