Best Dining Credit Cards in Hong Kong

Updated January 2020

Compare and apply for credit cards with exclusive dining/buffet promotions and discounts in Hong Kong's top restaurants.

Popular Dining Credit Cards

HK$300 Voucher!

Blue Cash℠ Credit Card from American Express

$150,000

Min. Annual Salary

N.A.

Miles Conversion (Dining)

1.2%

Cash back on dining

MoneySmart Exclusive: HK$300 Voucher!Valid till 31 Jan 2020.
  • American Express welcome offer - HK$500 Cashback + 2 movie tickets
MoneySmart Exclusive: HK$300 Voucher!Valid till 31 Jan 2020.

Dining Features

  • Enjoy year-round dining offers from restaurants such as Al Molo Ristorante Italiano and Ruby Tuesday
  • 30% savings on Café 8 Degrees at Harbour Plaza 8 Degrees
  • 10% off 2+2 café at Royal Park Hotel
  • Free size upgrade on handcrafted beverages at Pacific Coffee

Annual Interest Rate and Fees

Annual Interest Rate37.67%
Principle Annual FeeHK$980
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentThe 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

Minimum Income Requirements

Local ResidentHK$150,000
ForeignerHK$150,000

Other

Card AssociationAmerican Express
Wireless PaymentAmex Pay

HK$500 Voucher!

Citi Cash Back Visa Card

HK$240,000

Min. Annual Salary

N.A.

Miles Conversion (Dining)

2%

Cash back on dining

MoneySmart Exclusive: HK$500 Voucher!Valid till 31 Jan 2020.
  • Welcome offer up to HK$1,000 cash rebate Or Afternoon tea set for two persons at Mandarin Oriental, Hong Kong Or HK$800 Wellcome Coupons Or HK$700 Sogo Gift Certificate
  • +1 more
MoneySmart Exclusive: HK$500 Voucher!Valid till 31 Jan 2020.

Other Promotions

  • Enjoy an exclusive surprise of up to HK$4,450 rewards at ifc mall

Dining Features

  • 2% cash rebate on global dining spending
  • 2% cash rebate on global hotel spending
  • Enjoy 10% off lunch and dinner buffets and a la carte food items at The Food Gallery, The Langham, Hong Kong
  • Enjoy complimentary medium drink upgrade at McCafe
  • Enjoy 12% off all buffets and a la carte food and beverages at The Place, Cordis, Hong Kong

Annual Interest Rate and Fees

Annual Interest Rate35.52%
Principle Annual FeeHK$1,800
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly Repayment1.5% of monthly balance + fees
Interest Free PeriodUp to 58 days

Minimum Income Requirements

Local ResidentHK$240,000
ForeignerHK$240,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave
AEON Card JAL

HK$0

Min. Annual Salary

HK$6 = 1 Mile

Miles Conversion (Dining)

N.A.

Cash back on dining

  • Welcome offer up to 2% spending rebate, earn extra 5,000 mileage if onboard JAL International flights within promotion period

Dining Features

  • HK$6 = 1 JMB mile for spending on local dining and overseas spending in Japan category
  • Applicable to the restaurants, fast foods and hotels in Hong Kong.

Annual Interest Rate and Fees

Annual Interest Rate31.59%
Principle Annual FeeHK$480
Supplementary Annual FeeN/A
Fee WaiverAnnual fee will be waived if yearly credit purchase spending reach HK$30,000
Minimum Monthly Repayment4% of credit purchase balance and cash advance balance or HK$100 each, whichever is higher ; 80% of credit purchase balance
Interest Free Period

Minimum Income Requirements

Local ResidentHK$0
ForeignerHK$0

Other

Card AssociationMasterCard
Wireless PaymentWireless payment

HK$400 Voucher!

American Express® Platinum Credit Card

$300,000

Min. Annual Salary

$5 = 1 Mile

Miles Conversion (Dining)

1%

Cash back on dining

MoneySmart Exclusive: HK$400 Voucher!Valid till 31 Jan 2020.
  • American Express welcome offer of up to HK$2,960
MoneySmart Exclusive: HK$400 Voucher!Valid till 31 Jan 2020.

Dining Features

  • Dine at Heichinrou, Metropol Restaurant and Metropol with your American Express Platinum Credit Card to enjoy 30% savings on the à la carte food and beverage menu (except bottle wine) for dine-in dinner after 6pm
  • Up to 50% savings on à la carte dining at designated Gourmet Club restaurants
  • Extra 10 Membership Rewards points for every HK$1 spent at restaurants in Hong Kong Parkview
  • 10% savings on buffet and à la carte food menu at Cafe - Hyatt Regency Hong Kong, Sha Tin
  • 10% savings on à la carte food and beverages at BLT Steak

Annual Interest Rate and Fees

Annual Interest Rate37.67%
Principle Annual FeeHK$2,200
Supplementary Annual FeeN/A
Fee WaiverN/A
Minimum Monthly RepaymentThe 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 PeriodN.A.

Minimum Income Requirements

Local ResidentHK$300,000
ForeignerHK$0

Other

Card AssociationAmerican Express
Wireless PaymentAmex Pay
Citi Rewards Visa Card

$150,000

Min. Annual Salary

$3 = 1 Mile

Miles Conversion (Dining)

0.4%

Cash back on dining

  • Limited Double Wellcome Offer : HK$1,600 Wellcome Coupon

Dining Features

  • Offset dining spending anytime with Citi Pay with Points (250 Points = offset HK$1 spending)
  • 10% off a la carte menu at Mamasan Kitchen Bar & Lounge
  • Points are redeemable for cash coupons for popular dining spots and cafes in Hong Kong
  • 12,500 Points = HK$50 Starbucks Card or HK$50 Haagan Dazs gift voucher

Annual Interest Rate and Fees

Annual Interest Rate35.52%
Principle Annual FeeHK$1,800
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly Repayment1.5% of monthly balance + fees
Interest Free PeriodUp to 58 days

Minimum Income Requirements

Local ResidentHK$60,000
ForeignerHK$60,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave
Hang Seng MPOWER CARD

$150,000

Min. Annual Salary

N.A.

Miles Conversion (Dining)

5%

Cash back on dining

Dining Features

  • 5% Cash Dollars rebate in moblie payment spending transaction (Local Dining, Fashion and Entertainment)

Annual Interest Rate and Fees

Annual Interest Rate34.97%
Principle Annual FeeHK$0
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentN/A
Interest Free PeriodUp to 56 days

Minimum Income Requirements

Local ResidentHK$15,000
ForeignerHK$15,000

Other

Card AssociationMasterCard
Wireless PaymentN/A

HK$250 Voucher!

Standard Chartered Asia Miles Mastercard

HK$96,000

Min. Annual Salary

HKD4 = 1 Mile

Miles Conversion (Dining)

N.A.

Cash back on dining

MoneySmart Exclusive: HK$250 Supermarket VouchersValid till 31 Jan 2020.
  • Welcome offer up to 40,000 Asia Miles (As low as HK$0.2 = 1 Asia Mile)
MoneySmart Exclusive: HK$250 Supermarket VouchersValid till 31 Jan 2020.

Dining Features

  • HK$4 = 1 Asia Mile for eligible spending on dining, online and overseas category
  • Enjoy HK$1 = 1 Asia Mile on Mondays with any of the Asia Miles partner restaurants
  • 10% redemption discount for hotel, car rental, travel experiences and dining awards

Annual Interest Rate and Fees

Annual Interest Rate33.41%
Principle Annual FeeHK$1,800
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentAll 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 PeriodUp to 56 days

Minimum Income Requirements

Local ResidentHK$96,000
ForeignerHK$0

Other

Card AssociationMastercard
Wireless PaymentMastercard contactless

HK$200 Voucher!

American Express Cathay Pacific Credit Card

$150,000

Min. Annual Salary

$8 = 1.5 Mile

Miles Conversion (Dining)

N.A.

Cash back on dining

MoneySmart Exclusive: HK$200 Voucher!Valid till 31 Jan 2020.
  • Up to 74,000 Asia Miles
MoneySmart Exclusive: HK$200 Voucher!Valid till 31 Jan 2020.

Dining Features

  • 10% savings on à la carte food at BLT Steak
  • 30% off on Café 8 Degrees at Harbour Plaza 8 Degrees
  • 10% savings 2+2 café at Royal Park Hotel
  • 12% off Alibi - Wine Dine Be Social at Cordis, Hong Kong

Annual Interest Rate and Fees

Annual Interest Rate37.67%
Principle Annual FeeHK$980
Supplementary Annual FeeN/A
Fee WaiverYes
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

Minimum Income Requirements

Local ResidentHK$150,000
ForeignerHK$150,000

Other

Card AssociationAmerican Express
Wireless PaymentAmex Pay
DBS Black World Mastercard

$240,000

Min. Annual Salary

$6 = 1 Mile

Miles Conversion (Dining)

0.8%

Cash back on dining

  • Welcome offer up to 80,000 miles

Dining Features

  • Enjoy up to 30% off on a la carte menu, afternoon tea set and buffet at Harbour Plaza 8 Degrees - Café 8 Degrees
  • Enjoy 10% off on Lunch Buffet, Afternoon Tea Buffet and Whole Session Dinner Buffet at Royal Park Hotel
  • City Garden Hotel offers up to 10% off on lunch buffet and 15% off on dinner buffet at Garden Café
  • Enjoy up to 15% off on JW Café, The Lounge and Man Ho Chinese Restaurant at JW Marriott Hotel Hong Kong

Annual Interest Rate and Fees

Annual Interest Rate36.33%
Principle Annual FeeHK$2,000
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentVaries. For more info, view T&C
Interest Free PeriodUp to 60 Days

Minimum Income Requirements

Local ResidentHK$240,000
ForeignerHK$240,000

Other

Card AssociationMastercard
Wireless PaymentpayWave

HK$200 Voucher!

Citi Clear Card

$60,000

Min. Annual Salary

N.A.

Miles Conversion (Dining)

0.4%

Cash back on dining

MoneySmart Exclusive: HK$200 Voucher!Valid till 31 Jan 2020.
  • Welcome offer up to HK$800 supermarket cash coupon or HK$700 Sogo Gift Certificate or Afternoon tea set for two persons at Mandarin Oriental
  • +1 more
MoneySmart Exclusive: HK$200 Voucher!Valid till 31 Jan 2020.

Other Promotions

  • Student welcome offer up: HK$200 cash rebate

Dining Features

  • 10% off lunch and dinner buffets at the Food Gallery, The Langham
  • Complimentary medium-sized drink upgrade (e.g. coffee) at McCafe
  • 10% off concessions items at Cinema City
  • 10% off a la carte menu at Nahm Vietnamese & Thai

Annual Interest Rate and Fees

Annual Interest Rate35.52%
Principle Annual FeeHK$180
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly Repayment1.50% of monthly balance + fees
Interest Free PeriodUp to 58 days

Minimum Income Requirements

Local ResidentHK$60,000
ForeignerHK$60,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave
American Express® I.T Cashback Card

$150,000

Min. Annual Salary

N.A.

Miles Conversion (Dining)

1.2%

Cash back on dining

  • HK$500 I.T gift certificate for welcome offer +2 Movie tickets

Dining Features

  • Enjoy year-round dining offers from restaurants that participate in American Express Selects
  • 10% off on à la carte food at BLT Steak
  • 30% savings on Café 8 Degrees at Harbour Plaza 8 Degrees
  • 12% off Alibi - Wine Dine Be Social at Cordis, Hong Kong

Annual Interest Rate and Fees

Annual Interest Rate37.67%
Principle Annual FeeHK$980
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentThe 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

Minimum Income Requirements

Local ResidentHK$150,000
ForeignerHK$150,000

Other

Card AssociationAmerican Express
Wireless PaymentAmex Pay

HK$500 Voucher!

The Platinum Card®

$1,000,000

Min. Annual Salary

$7.5 = 1 Mile

Miles Conversion (Dining)

N.A.

Cash back on dining

MoneySmart Exclusive: HK$500 SOGO Supermarket Voucher!Valid till 31 Jan 2020.
  • American Express welcome offer - Up to 480,000 Membership Rewards® Points (which equivalent to 32,000 air miles)
MoneySmart Exclusive: HK$500 SOGO Supermarket Voucher!Valid till 31 Jan 2020.

Dining Features

Annual Interest Rate and Fees

Annual Interest RateN/A
Principle Annual FeeHK$7,800
Supplementary Annual Feecomplimentary 2 supplementary cards
Fee WaiverNo
Minimum Monthly RepaymentN/A
Interest Free Period

Minimum Income Requirements

Local ResidentHK$1,000,000
ForeignerHK$1,000,000

Other

Card AssociationAmerican Express
Wireless PaymentN/A
HSBC Visa Signature Card

HK$360,000

Min. Annual Salary

HK$2.78 = 1 Mile

Miles Conversion (Dining)

5.6%

Cash back on dining

Dining Features

  • Enjoy exclusive year-round dining offers from popular restaurants in Hong Kong including ClubONE, East Ocean, BRICK LANE, and BLT Steak.
  • One-for-one dinner buffet at Tiffin, Grand Hyatt Hong Kong

Annual Interest Rate and Fees

Annual Interest Rate37.75%
Principle Annual FeeHK$2,000
Supplementary Annual FeeHK$1,000
Fee WaiverYes
Minimum Monthly RepaymentTotal 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 Period56days

Minimum Income Requirements

Local ResidentHK$360,000
ForeignerHK$360,000

Other

Card AssociationVisa
Wireless PaymentN.A.

























To borrow or not to borrow? Borrow only if you can repay!
DBS Eminent Visa Signature Card

$360,000

Min. Annual Salary

N.A.

Miles Conversion (Dining)

1%

Cash back on dining

Dining Features

  • Up to 15% off on CONRAD、JW MARRIOTT Hotel dinning

Annual Interest Rate and Fees

Annual Interest Rate35.70%
Principle Annual FeeHK$2,000
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentVaries. For more info, view T&C
Interest Free PeriodUp to 60 days

Minimum Income Requirements

Local ResidentHK$360,000
ForeignerHK$360,000

Other

Card AssociationVisa
Wireless PaymentN/A
HSBC Red Credit Card

120,000

Min. Annual Salary

4%

Cash back on Online purchases

2%

Cash back on Supermarket purchases

Dining Features

  • Earn RewardCash from every transaction
  • 4% RewardCash for online transaction
  • 2% RewardCash for local supermarket transaction
  • 1% RewardCash for other local and overseas transaction
  • Enjoy HK$20 off your orders through Deliveroo

Annual Interest Rate and Fees

Annual Interest Rate36.43%
Principle Annual FeeHK$0
Supplementary Annual FeeHK$0
Fee Waiveryes
Minimum Monthly RepaymentTotal 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 Period56

Minimum Income Requirements

Local ResidentHK$120,000
ForeignerHK$120,000

Other

Card AssociationMasterCard
Wireless Paymentpaywave
Show more cards

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.