Best Dining Credit Cards in Hong Kong
Compare dining credit cards in Hong Kong to enjoy dining promotions and hotel buffet offers.
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We found 34 credit cards for you!
⚡ 【November Citi Mega Rewards! Spend HK$4,000 to Get Up to HK$2,200 Vouchers or Gifts Worth Up to HK$4,600 + Chance to Win HK$100K Travel Package! 🎉】
From now until 30 November 2026, new customers who successfully apply for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 within 30 days after card issuance (approval by 31 December 2026) can receive one of the following rewards:
🎁 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) or
🎁 PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color) or
🎁 Dyson Supersonic Nural™ Hair Dryer HD16 (Value: HK$3,990, random color) or
🎁 Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) or
🍎 2 x Apple AirPods 5 (Value: HK$2,198) or
🍎 2 x Apple HomePod mini 2 (Value: HK$2,198) or
💳 HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers
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【🎰 Spender Mega Draw WOW: Win a HK$100K Travel Package OR iPhone Duo, Pokémon PSA 10 Cards and 1,000+ Gifts!】
From 2 Nov 2026 to 31 Jan 2027, register for “The WOW Gifts” draw and accumulate HK$15,000 in eligible spending with your Citi Mastercard to enter, for a chance to win iPhone Duo, PlayStation 5 Slim + Grand Theft Auto VI, Pokémon PSA 10 cards, Nintendo Switch 2 and 1,000+ trendy prizes; you’ll also be automatically entered into “The WOW Journeys” draw to win one of 5 HK$100,000 “Travel Your Way” packages!
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【❇️ Loan Bundle Reward】Apply for a designated Citi Credit Card and Citi Loan via MoneySmart during the promotion period, fulfil the above-mentioned spending requirement and successfully draw down a loan of HK$200,000 or above (tenor of 12 months or above) to enjoy an extra HK$1,000 cash reward on top of the existing rewards!
Valid till 30 Nov 2026
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⏰ Limited-Time Welcome Upgrade: New American Express Platinum Card Members Enjoy Up to HK$5,250 in Statement Credit!
From 2 November 2026 to 30 November 2026, new Card Members^ who successfully apply for the American Express Platinum Card via MoneySmart and accumulate eligible spending of HK$60,000 within the first 6 months of card approval (local or foreign currency spending both count) will receive [🚀 New Upgrade] HK$3,000 HK$2,200 Statement Credit! Top up Octopus with a single net transaction of HK$600 or above within the first 3 months to receive an additional HK$50 Statement Credit.
💡That said, complete both requirements above, and you can earn HK$3,050 in Statement Credit upfront!
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In addition, Card Members who complete any eligible spending of any amount during months 15 to 17 will receive an extra 660,000 American Express Membership Rewards points, equivalent to HK$2,200 Statement Credit or 36,666 miles.
Subject to Terms and Conditions.
Valid till 30 Nov 2026
⚡ 【November Citi Mega Rewards! Spend HK$4,000 to Get Up to HK$2,200 Vouchers or Gifts Worth Up to HK$4,600 + Chance to Win HK$100K Travel Package! 🎉】
From now until 30 November 2026, new customers who successfully apply for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 within 30 days after card issuance (approval by 31 December 2026) can receive one of the following rewards:
🎁 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) or
🎁 PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color) or
🎁 Dyson Supersonic Nural™ Hair Dryer HD16 (Value: HK$3,990, random color) or
🎁 Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) or
🍎 2 x Apple AirPods 5 (Value: HK$2,198) or
🍎 2 x Apple HomePod mini 2 (Value: HK$2,198) or
💳 HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers
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【🎰 Spender Mega Draw WOW: Win a HK$100K Travel Package OR iPhone Duo, Pokémon PSA 10 Cards and 1,000+ Gifts!】
From 2 Nov 2026 to 31 Jan 2027, register for “The WOW Gifts” draw and accumulate HK$15,000 in eligible spending with your Citi Mastercard to enter, for a chance to win iPhone Duo, PlayStation 5 Slim + Grand Theft Auto VI, Pokémon PSA 10 cards, Nintendo Switch 2 and 1,000+ trendy prizes; you’ll also be automatically entered into “The WOW Journeys” draw to win one of 5 HK$100,000 “Travel Your Way” packages!
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【❇️ Loan Bundle Reward】Apply for a designated Citi Credit Card and Citi Loan via MoneySmart during the promotion period, fulfil the above-mentioned spending requirement and successfully draw down a loan of HK$200,000 or above (tenor of 12 months or above) to enjoy an extra HK$1,000 cash reward on top of the existing rewards!
Valid till 30 Nov 2026
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【📣 Welcome Offer: Valued up to HK$1,800 upon card approval!】
Apply via MoneySmart by 9 November 2026 and spend up to HK$10,000 in first 3 months can earn HK$1,000 Statement Credit!
⭐️ Also enjoy HK$1=5 points within the first 3 months, can earn up to 240,000 points, equal to HK$800 statement credit! Don't miss out on the chance to earn rewards up to HK$1,800!
Valid till 09 Nov 2026
⚡ 【November Citi Mega Rewards! Spend HK$4,000 to Get Up to HK$2,200 Vouchers or Gifts Worth Up to HK$4,600 + Chance to Win HK$100K Travel Package! 🎉】
From now until 30 November 2026, new customers who successfully apply for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 within 30 days after card issuance (approval by 31 December 2026) can receive one of the following rewards:
🎁 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) or
🎁 PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color) or
🎁 Dyson Supersonic Nural™ Hair Dryer HD16 (Value: HK$3,990, random color) or
🎁 Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) or
🍎 2 x Apple AirPods 5 (Value: HK$2,198) or
🍎 2 x Apple HomePod mini 2 (Value: HK$2,198) or
💳 HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers
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【🎰 Spender Mega Draw WOW: Win a HK$100K Travel Package OR iPhone Duo, Pokémon PSA 10 Cards and 1,000+ Gifts!】
From 2 Nov 2026 to 31 Jan 2027, register for “The WOW Gifts” draw and accumulate HK$15,000 in eligible spending with your Citi Mastercard to enter, for a chance to win iPhone Duo, PlayStation 5 Slim + Grand Theft Auto VI, Pokémon PSA 10 cards, Nintendo Switch 2 and 1,000+ trendy prizes; you’ll also be automatically entered into “The WOW Journeys” draw to win one of 5 HK$100,000 “Travel Your Way” packages!
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【❇️ Loan Bundle Reward】Apply for a designated Citi Credit Card and Citi Loan via MoneySmart during the promotion period, fulfil the above-mentioned spending requirement and successfully draw down a loan of HK$200,000 or above (tenor of 12 months or above) to enjoy an extra HK$1,000 cash reward on top of the existing rewards!
Valid till 30 Nov 2026
⚡ 【November Citi Mega Rewards! Spend HK$4,000 to Get Up to HK$2,200 Vouchers or Gifts Worth Up to HK$4,600 🎉】
From now until 30 November 2026, new customers who successfully apply for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 within 30 days after card issuance (approval by 31 December 2026) can receive one of the following rewards:
🎁 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) or
🎁 PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color) or
🎁 Dyson Supersonic Nural™ Hair Dryer HD16 (Value: HK$3,990, random color) or
🎁 Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) or
🍎 2 x Apple AirPods 5 (Value: HK$2,198) or
🍎 2 x Apple HomePod mini 2 (Value: HK$2,198) or
💳 HK$2,000 Apple Store Gift Card / HK$2,200 ParknShop e-Vouchers
⠀⠀⠀
【❇️ Loan Bundle Reward】Apply for a designated Citi Credit Card and Citi Loan via MoneySmart during the promotion period, fulfill the above-mentioned spending requirement and successfully draw down a loan of HK$200,000 or above (tenor of 12 months or above) to enjoy an extra HK$1,000 cash reward on top of the existing rewards!
Valid till 30 Nov 2026
⚡ November Exclusive Deal【🔥Earn HK$900 Cash/ Up to HK$2,600 Rewards】
From now until 30 November 2026, customers who successfully apply for sim World Mastercard®️ via MoneySmart, and accumulate eligible retail transactions of HK$100 within 30 days after card issuance, can enjoy one of the following gifts (choose 1 out of 7) 🎁 :
・4 x Plaza Premium Lounge APAC 3 hrs Access Pass (Value: HK$2,600)
・POLAROID Now Generation 3 i-Type Instant Camera (Value: HK$1,199, random color)
・Apple AirPods 5 (Value: HK$1,099)
・Apple HomePod mini 2 (Value: HK$1,099, random color)
・HK$1,000 Apple Store Gift Card / ParknShop e-Vouchers
・HK$900 Cash via FPS (automatically converted by 9,000 SmartPoints and directly deposited into FPS account)
(Fulfilled by MoneySmart)
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💡Complete the digital ID verification on the sim Credit Card App within 3 hours after application, sim will offer an additional HK$50 cash rebate!
Valid till 30 Nov 2026
【🌟Effortless for Everyone: Unlimited Cashback with Every Spend】
Apply via MoneySmart by 30 November 2026, enjoy HK$500 cash back by cumulative spending HK$6,000 or above in the first 2 months; earn an extra HK$100 statement credit upon topping up your Octopus on iPhone, Apple Watch or [Newly added!] Android device for HK$300 aggregate spending in the first 3 months. Enjoy up to HK$600 cash back in total!
Reward yourself with unlimited 1.2% cashback all year-round on everyday purchases, in town and overseas - simple & friendly!
Valid till 30 Nov 2026
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Best Dining Credit Cards in Hong Kong
| Credit Cards | Partner Restaurants | Rewards |
|---|---|---|
| Credit CardsCiti Cash Back Visa Card | Partner RestaurantsLei Garden Restaurant, Basement 1 Restaurant, Yu Lan, etc. | Rewards2% cashback on all dining |
| Credit CardsHSBC Visa Signature Card | Partner RestaurantsHyatt Regency Hotel Tsui, Mira , etc. | RewardsUp to 3.6% cashback |
| Credit CardsStandard Chartered Simply Cash Visa Card | Partner RestaurantsHarbour View Hotel,Sheraton. etc. | Rewards1.5 % cashback on all dining |
| Credit CardsAmerican Express Platinum Credit Card | Partner RestaurantsAqua, Beefbar Hong Kong, etc. | Rewards1% cashback/ HK$5 = 1 mile |
| Credit CardsHang Seng Visa Infinite Card | Partner RestaurantsIsland Shangri-La, Hong Kong, InterContinental Hong Kong Sheraton Hong Kong Hotel & Towers Sheraton Hong Kong Hotel & Towers, etc. | RewardsUp to 10x Cash Dollars for online shopping/local dining spending on weekends |
| Credit Cards DBS Black World Mastercard | Partner RestaurantsConrad | Rewards 2X DBS$ (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, enjoy 10% off regular-priced food and beverages at Ah Yung Kitchen, Nina Hotel.
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 40 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% savings on lunch, dinner and weekend afternoon tea buffets at Gateway Hotel - Three on Canton.
DBS Credit Cards
Pay at OpenRice with DBS Credit Cards today to offset your spending instantly (Takeaway orders, purchasing vouchers and booking with menu all included.)
Best Cash Back Credit Cards for Dining
Citi Cash Back Card
HSBC Visa Signature Credit Card
Standard Chartered Simply Cash Visa Card
All-Year-Round Credit Card Dining Promotions
Every bank collaborates with different restaurant groups and local restaurants to provide all year round dining offers, these partnerships allow banks to provide their clients with exclusive promotions, such as discounts, special menus, or complimentary items.
Tips for Using Credit Card Dining Promotions
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.
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.
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.
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.
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