Best Dining Credit Cards in Hong Kong

Compare dining credit cards in Hong Kong to enjoy dining promotions and hotel buffet offers. Read More
We found 30 Credit Cards for you!
American Express® Platinum Credit Card
Up to 50% savings at designated restaurants
Min. Annual Salary
HK$300,000
Miles Conversion (Dining)
$6 = 1 Mile
Cash back on dining
1%
Apply Now
DBS Eminent Visa Signature Card
MoneySmart Exclusive
Min. Annual Salary
HK$360,000
Miles Conversion (Dining)
N/A
Cash back on dining
1%

From now until 30 September 2024, customers who apply for designated cards through MoneySmart (Eminent Visa Platinum Card/ DBS Eminent Visa Signature Card) successfully, can get HK$200 Apple Store Gift Card or HK$200 Klook Gift Card or HK$200 ParknShop Voucher! 
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【🤝🏻Stack Your Rewards: HK$100 for Every Referral, Unlimited Earnings】
If you have successfully applied for a credit card through MoneySmart during 1 Jan 2023 - 31 Jul 2024 and are entitled to MoneySmart exclusive rewards, you can earn an additional 1,000 points (equivalent to HK$100) by referring a friend or yourself to successfully apply for a specified credit card on or before 31 Aug! Enjoy limitless rewards - the more you refer, the more you earn!

Valid until 30 Sep 2024 - See more details below
Apply Now
HSBC Red Credit Card
Bank Promo
Min. Annual Salary
HK$120,000
RewardCash Rebate
Up to 4%
Cash back on Supermarket purchases
2%
Bank Promo:
Limited-time online welcome offer:
New credit card customers can enjoy up to HK$800 RewardCash. Earn extra HK$200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan, bringing the total rewards to up to HK$1,000.

Existing Credit Card Customers can enjoy a HK$200 RewardCash Offer.

When top up the PayMe wallet with the newly approved Red Card during the two subsequent calendar months after the month of card issuance. Together with the basic 0.4% RewardCash rebate, that's 4% RewardCash rebate in total!
Valid until 30 Sep 2024 - See more details below
Apply Now
Hang Seng Travel+ Visa Signature Card
MoneySmart Exclusive
Overseas Spending up to 7% Reward
N/A
N/A
N/A

【Earn and Spend: Use +FUN Dollars to Unlock Flights, Hotel Accommodations and Travel Dreams Anytime!】
From now until 30 September 2024, apply for the Travel+ Visa Signature Card via MoneySmart, you can enjoy an extra 1,000 SmartPoints and free to redeem HK$100 vouchers (over 20+ brand vouchers including Apple / Wellcome/ HKTVmall etc). Click here to explore limitless possibilities (T&C applied)!
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From now till 31 December 2024, enjoy up to 7% +FUN Dollars upon registering for 2024 Hang Seng Travel+ Visa Signature Card +FUN Dollars Reward Program and meeting accumulative monthly eligible spending of HKD6,000 in Japan, Korea, Thailand, Singapore and Australia. You can earn up to $500 +FUN Dollars per month! Meanwhile, you can also enjoy discount for hotel and flight booking at Expedia, Agoda and Trip.com. Terms and Conditions apply.
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【🤝🏻Stack Your Rewards: HK$100 for Every Referral, Unlimited Earnings】
If you have successfully applied for a credit card through MoneySmart during 1 Jan 2023 - 31 Jul 2024 and are entitled to MoneySmart exclusive rewards, you can earn an additional 1,000 points (equivalent to HK$100) by referring a friend or yourself to successfully apply for a specified credit card on or before 30 Sep! Enjoy limitless rewards - the more you refer, the more you earn!

Valid until 30 Sep 2024 - See more details below
Apply Now
The Platinum Card
MoneySmart Exclusive
Enhanced Welcome Offer
Discount at designated restaurants
40%
Miles Conversion (Overseas Spending)
HK$6 = 1 Mile
Miles Conversion (Local Spending)
HK$9 = 1 Mile

⚡️September ONLY【Unlock Your Rewards: Premium Gifts of up to HK$5,488 Await】
From now until 30 September 2024, apply for the Platinum Card and fulfil spending of HK$15,000 within the first 2 months, indulge in ONE of the Premium Gifts and Exclusive Vouchers below. Hurry, this limited-time upgrade awaits!
1. 🆕 Philips Water dispenser ADD6921DG/90 (Retail Value: HK$5,488) or
2. 🆕 YA-MAN Bloom 6 RF Anti-aging Dual-protein Beauty Instrument (Retail Value: HK$4,480) or
3. Dyson Airwrap multi-styler (Retail value: HK$4,480) or
4. GoPro HERO12 BLACK Creator Edition (Retail value: HK$4,800) or
5. HK$3,500 Apple Store Gift Card or
6. HK$3,500 PARKnSHOP Supermarket Voucher
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Terms & Conditions Apply.

Valid until 30 Sep 2024 - See more details below
Apply Now
Citi Rewards MasterCard
MoneySmart Exclusive
5x Points on contactless transactions
Minimum Income Requirements
HK$120,000
Miles Conversion (Dining)
$3 = 1 Mile
Cash back on dining
0.4%
【MoneySmart Exclusive!】From now until 30 September, upon successful application of designated Citi Credit Cards via MoneySmart and eligible spending of HK$8,000 after card issuance, new customers can enjoy $1,600 cash rebate!
Valid until 30 Sep 2024 - See more details below
Apply Now
HSBC Visa Signature Card
Bank Promo
Min. Annual Salary
HK$240,000
Miles Conversion (Dining)
HK$2.78 = 1 Mile
Miles Conversion (local spend)
HK$2.78 = 1 Mile
Bank Promo:
Online Flash Welcome Offer
From now to 26 September 2024, apply for a HSBC Visa Credit Card online with promo code MNST1600 to enjoy welcome offer of up to HK$1,600 RewardCash. 
Valid until 26 Sep 2024 - See more details below
Apply Now
DBS Eminent Visa Platinum Card
MoneySmart Exclusive
N/A
N/A
N/A

From now until 30 September 2024, customers who apply for designated cards through MoneySmart (Eminent Visa Platinum Card/ DBS Eminent Visa Signature Card) successfully, can get HK$200 Apple Store Gift Card or HK$200 Klook Gift Card or HK$200 ParknShop Voucher! 
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【🤝🏻Stack Your Rewards: HK$100 for Every Referral, Unlimited Earnings】
If you have successfully applied for a credit card through MoneySmart during 1 Jan 2023 - 31 Jul 2024 and are entitled to MoneySmart exclusive rewards, you can earn an additional 1,000 points (equivalent to HK$100) by referring a friend or yourself to successfully apply for a specified credit card on or before 31 Aug! Enjoy limitless rewards - the more you refer, the more you earn!

Valid until 30 Sep 2024 - See more details below
Apply Now
Hang Seng enJoy Card
MoneySmart Exclusive
Up to 4x Points to spend as cash
Annual fee
Perpetual annual fee waiver
Cash back on local spend
2%
Welcome Offer
Up to 120,000 yuu Points

【Make Every Grocery Trip Count】
From now until 15 September, new credit card customers* who successfully applied for the Hang Seng enJoy Card via MoneySmart, simply spend HK$1,200 within 30 days after card issuance, can enjoy an extra 12,000 SmartPoints; existing customers who spend HK$700 within 30 days after card issuance, can also enjoy extra 7,000 SmartPoints!
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New customers can use 12,000 SmartPoints to fully redeem HK$1,200 vouchers (over 20+ brand vouchers including Apple / Wellcome/ Klook etc) or Outin Nano Portable Espresso (Value: HK$1,068), you can also top-up to redeem SAMSUNG Galaxy Tab A9 (WIFI-64GB) (Value: HK$1,288) or Apple AirPods (3rd generation) (Value: HK$1,499) from our Rewards Store. Existing customers can use 7,000 SmartPoints to fully redeem a SAMSUNG Galaxy Buds FE (Retail Value: HK$898) or HK$700 vouchers. Explore more other options available at our Rewards Store!
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【Bank Welcome Offer】Link enJoy Card to yuu Rewards Program and accumulate eligible retail spending of HK$6,000, New Credit Card Customers will be entitled to 120,000 yuu Points (equivalent to rewards worth HK$600); Existing Credit Card Customers will be entitled to 80,000 yuu Points (equivalent to rewards worth HK$400)!
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【🤝🏻Stack Your Rewards: HK$100 for Every Referral, Unlimited Earnings】If you have successfully applied for a credit card through MoneySmart during 1 Jan 2023 - 31 Jul 2024 and are entitled to MoneySmart exclusive rewards, you can earn an additional 1,000 points (equivalent to HK$100) by referring a friend or yourself to successfully apply for a specified credit card on or before 30 Sep! Enjoy limitless rewards - the more you refer, the more you earn!

Valid until 26 Sep 2024 - See more details below
Apply Now
HSBC Pulse UnionPay Dual Currency Diamond Credit Card
Bank Promo
Min. Annual Salary
HK$120,000
RewardCash Rebate
Up to 4.4%
Miles Conversion (local spend)
HK$4.17 = 1 Mile
Bank Promo:
【Limited-time online welcome offer】
New credit card customers can enjoy up to HK$800 RewardCash. Earn extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan, bringing the total value of the rewards to up to HK$1,000!
Valid until 30 Sep 2024 - See more details below
Apply Now
Citi PremierMiles Card
MoneySmart Exclusive
Free travel insurance and airport lounges access
Minimum Income Requirements
HK$120,000
Miles Conversion (Dining)
$8 = 1 Mile
Cash back on dining
3.2%
【MoneySmart Exclusive!】From now until 30 September, upon successful application of designated Citi Credit Cards via MoneySmart and eligible spending of HK$8,000 after card issuance, new customers can enjoy $1,600 cash rebate!
Valid until 30 Sep 2024 - See more details below
Apply Now
AEON CARD WAKUWAKU
Min. Annual Salary
HK$0
Cash back on online shopping
6%
Cash back on local spending (dinning)
1%
Read More
Citi The Club
MoneySmart Exclusive
Minimum Income Requirements
HK$120,000
Cash back on local spending (Designated HKT merchants and Designated Merchants)
4%
Cash back on other local spending
1%
【MoneySmart Exclusive!】From now until 31 August, upon successful application of designated Citi Credit Cards via MoneySmart and eligible spending of HK$4,000 after card issuance, new customers can enjoy $2,000 cash rebate (5,000 Clubpoints (equivalent to HK$1,000 in value) + HK$1,000 Cash Rebate)!
Valid until 30 Sep 2024 - See more details below
Apply Now
sim World Mastercard®️
MoneySmart Exclusive
Up to 8% cashback on online retail transactions*
Cashback on Online Retail Transactions
Up to 8%
Fee Waiver
First Year Free
Local Resident
HK$150,000

【🔓UNLOCK EPIC REWARDS: Earn a Divoom SongBird SE or HK$500 Cash Coupon - Take your pick!】
From now until 30 September 2024, customers apply for a designated sim credit card through MoneySmart (sim Credit Card/ sim World Mastercard®️) successfully to get a Divoom SongBird SE - Portable Dual Microphone Speaker (Retail Price: HK$799) or HK$500 Apple Store Gift Card/ PARKnSHOP Voucher/ HKTVmall E-vouchers! 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; fulfilling the spending requirement can earn sim welcome offer of up to HK$1,120. Enjoy the total rewards of up to HK$1,969!
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【MoneySmart Pampers You 🍎📱 3 Steps to Win the Newest Flagship Phone】
Successfully apply for sim World Mastercard®️ via MoneySmart by 30 Sep, complete the required steps and you will have a chance to win the latest flagship phone, earphones, smartwatches and more! Visit the event page for more information.
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【🤝🏻Stack Your Rewards: HK$100 for Every Referral, Unlimited Earnings】
If you have successfully applied for a credit card through MoneySmart during 1 Jan 2023 - 31 Jul 2024 and are entitled to MoneySmart exclusive rewards, you can earn an additional 1,000 points (equivalent to HK$100) by referring a friend or yourself to successfully apply for a specified credit card on or before 30 Sep! Enjoy limitless rewards - the more you refer, the more you earn!

Valid until 30 Sep 2024 - See more details below
Apply NowApply directly on MoneySmart
HSBC UnionPay Dual Currency Credit Card
Bank Promo
Min. Annual Salary
HK$60,000
RewardCash Rebate
2.4%
Miles Conversion (local spend)
HK$4.17 = 1 Mile
Bank Promo:
【Limited-time online welcome offer】
New credit card customers can enjoy up to HK$800 RewardCash. Earn extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan, bringing the total value of the rewards to up to HK$1,000!
Valid until 30 Sep 2024 - See more details below
Apply Now
AEON Card JAL
Min. Annual Salary
HK$0
Miles Conversion (Local Dining & Japan Spending)
HK$6 = 1 JMB Mile
Selected merchants discount
5%
Read More
Standard Chartered Cathay Mastercard - Priority Banking
MoneySmart Exclusive
Miles Conversion(Eligible spending on Cathay and HK Express)
HK$2=1 mile
Miles Conversion (Eligible spending on dining, hotels and overseas category)
HK$4 = 1 mile
Bank Welcome Offer
80,000 miles

【 ✈️ Travel with CX Card & Jollying Pebble Suitcase! 🧳】From now until 30 September 2024, new cardholders who successfully apply for for Standard Chartered Cathy Mastercard now via MoneySmart to get Sennheiser Accentum True Wireless Earbuds (Value: HK$1,750) or POLAROID Go Instant Camera (Value: HK$999) or Jollying Pebble 20" Foldable Suitcase (Value: HK$899) or HK$900 Apple Store Gift Card or HK$900 PARKnSHOP supermarket vouchers or HK$900 HKTVmall e-Vouchers. First 200 customers can get an extra HK$100 Trip.com coupon within 7 days after the submission of redemption form.
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【🤝🏻Stack Your Rewards: HK$100 for Every Referral, Unlimited Earnings】
If you have successfully applied for a credit card through MoneySmart during 1 Jan 2023 - 31 Jul 2024 and are entitled to MoneySmart exclusive rewards, you can earn an additional 1,000 points (equivalent to HK$100) by referring a friend or yourself to successfully apply for a specified credit card during 1 Sep - 30 Sep! Enjoy limitless rewards - the more you refer, the more you earn!

Valid until 30 Sep 2024 - See more details below
Apply Now
HSBC Visa Gold Card for Students
Bank Promo
Up to $300 RewardCash welcome offer
RewardCash for spending in Rewards of Your Choice category
6X
RewardCash Rebate
Up to 2.4%
RewardCash
$300
Bank Promo:
Online Flash Welcome Offer
From 12 to 26 September 2024, apply for a HSBC Visa Credit Card with online with Promo code: MNST1600 to enjoy welcome offer of up to HK$600 RewardCash. 
Valid until 26 Sep 2024 - See more details below
Apply NowApply directly on MoneySmart
AEON UnionPay Credit Card
Min. Annual Salary
HK$0
Foreign Transaction Fee
HK$0
Discount on selected merchants
5%
Read More
HSBC World Business Mastercard®
Fee Waiver
First 2 Years
Miles
HK$12.5 = 1 Mile
Local spending cash rebate
$1 RewardCash = HK$1 cash credit
Read More

Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Best Dining Credit Cards in Hong Kong 2022

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.

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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
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    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 #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, 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.