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Updated November 2019
Compare and apply for credit cards with exclusive dining/buffet promotions and discounts in Hong Kong's top restaurants.
HK$600 Voucher!
| Annual Interest Rate | 35.52% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | 1.5% of monthly balance + fees |
| Interest Free Period | Up to 58 days |
| Local Resident | HK$240,000 |
|---|---|
| Foreigner | HK$240,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave |
HK$360,000
Min. Annual Salary
HK$2.78 = 1 Mile
Miles Conversion (Dining)
5.6%
Cash back on dining
| Annual Interest Rate | 37.75% |
|---|---|
| Principle Annual Fee | HK$2,000 |
| Supplementary Annual Fee | HK$1,000 |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | Total 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 Period | 56days |
| Local Resident | HK$360,000 |
|---|---|
| Foreigner | HK$360,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | N.A. To borrow or not to borrow? Borrow only if you can repay! |
HK$250 Voucher!
| Annual Interest Rate | 33.41% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | All 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 Period | Up to 56 days |
| Local Resident | HK$96,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Mastercard |
|---|---|
| Wireless Payment | Mastercard contactless |
| Annual Interest Rate | 31.59% |
|---|---|
| Principle Annual Fee | HK$480 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Annual fee will be waived if yearly credit purchase spending reach HK$30,000 |
| Minimum Monthly Repayment | 4% of credit purchase balance and cash advance balance or HK$100 each, whichever is higher ; 80% of credit purchase balance |
| Interest Free Period |
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
| Card Association | MasterCard |
|---|---|
| Wireless Payment | Wireless payment |
HK$400 Voucher!
| Annual Interest Rate | 35.52% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | 1.5% of monthly balance + fees |
| Interest Free Period | Up to 58 days |
| Local Resident | HK$60,000 |
|---|---|
| Foreigner | HK$60,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave |
HK$250 Voucher!
| Annual Interest Rate | 33.41% |
|---|---|
| Principle Annual Fee | HK$2,000 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | All 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 HK$220, whichever is higher |
| Interest Free Period | Up to 56 days |
| Local Resident | HK$96,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa PayWave |
| Annual Interest Rate | 34.97% |
|---|---|
| Principle Annual Fee | HK$0 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | N/A |
| Interest Free Period | Up to 56 days |
| Local Resident | HK$15,000 |
|---|---|
| Foreigner | HK$15,000 |
| Card Association | MasterCard |
|---|---|
| Wireless Payment | N/A |
| Annual Interest Rate | 36.33% |
|---|---|
| Principle Annual Fee | HK$2,000 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | Varies. For more info, view T&C |
| Interest Free Period | Up to 60 Days |
| Local Resident | HK$240,000 |
|---|---|
| Foreigner | HK$240,000 |
| Card Association | Mastercard |
|---|---|
| Wireless Payment | payWave |
HK$300Voucher!
| Annual Interest Rate | 35.52% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | 1.5% of monthly balance + fees |
| Interest Free Period | Up to 58 days |
| Local Resident | HK$240,000 |
|---|---|
| Foreigner | HK$360,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave |
HK$200 Voucher!
| Annual Interest Rate | 35.52% |
|---|---|
| Principle Annual Fee | HK$180 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | 1.50% of monthly balance + fees |
| Interest Free Period | Up to 58 days |
| Local Resident | HK$60,000 |
|---|---|
| Foreigner | HK$60,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave |
HK$400 Voucher!
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$7,800 |
| Supplementary Annual Fee | complimentary 2 supplementary cards |
| Fee Waiver | No |
| Minimum Monthly Repayment | N/A |
| Interest Free Period |
| Local Resident | HK$1,000,000 |
|---|---|
| Foreigner | HK$1,000,000 |
| Card Association | American Express |
|---|---|
| Wireless Payment | N/A |
| Annual Interest Rate | 36.43% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | Higher of HK$50 or 1% of monthly balance |
| Interest Free Period | 56days |
| Local Resident | HK$240,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa PayWave |
| Annual Interest Rate | 37.68% |
|---|---|
| Principle Annual Fee | HK$980 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | 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 |
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
| Card Association | American Express |
|---|---|
| Wireless Payment | Amex Pay |
| Annual Interest Rate | 36.07% |
|---|---|
| Principle Annual Fee | HK$2,200 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | N/A |
| Minimum Monthly Repayment | 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 | N.A. |
| Local Resident | HK$300,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | American Express |
|---|---|
| Wireless Payment | Amex Pay |
| Annual Interest Rate | 34.97% |
|---|---|
| Principle Annual Fee | HK$0 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | N/A |
| Minimum Monthly Repayment | The Minimum Payment Amount is HK$230 / CNY230 (subject to card type) or the sum of items (i) to (iv) below (whichever is higher): (i) all fees and charges (including finance charges and annual fees); (ii) any overdue Minimum Payment Amount; (iii) amount exceeding the prescribed credit limit after deducting the amount of items (i) and (ii) from the New Balance; and (iv) 1% of the New Balance after deducting the amount of items (i) to (iii). |
| Interest Free Period | Up to 56 days |
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave |
| Annual Interest Rate | 37.67% |
|---|---|
| Principle Annual Fee | HK$980 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| 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 |
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
| Card Association | American Express |
|---|---|
| Wireless Payment | Amex Pay |
| Annual Interest Rate | 35.70% |
|---|---|
| Principle Annual Fee | HK$2,000 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | Varies. For more info, view T&C |
| Interest Free Period | Up to 60 days |
| Local Resident | HK$360,000 |
|---|---|
| Foreigner | HK$360,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | N/A |
| Annual Interest Rate | 37.67% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| 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 |
| Local Resident | HK$300,000 |
|---|---|
| Foreigner | HK$300,000 |
| Card Association | American Express |
|---|---|
| Wireless Payment | Amex Pay |
| Credit Cards | Partner Restaurants | Rewards |
|---|---|---|
| Citi Cash Back Visa Card | Hyatt Regency Hong Kong, Ah Yat Harbour View, etc. | 2% cashback on all dining |
| HSBC Visa Signature Card | Royal Park Hotel, Hong Kong Gold Coast Hotel, Regal Airport Hotel, etc. | Up to 3.6% cashback |
| Standard Chartered Simply Cash Visa Card | Shanghai Min, BLT Steak, East Ocean Restaurant, etc. | 1.5 % cashback on all dining |
| American Express Platinum Credit Card | Maxim’s Chinese Cuisine, m.a.x. concepts and Cafe Deco Group | 1% cashback/ HK$5 = 1 mile |
| Hang Seng Visa Infinite Card | Island 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 |
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.
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.
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.
With PrimeCredit EarnMore credit card, cardholders can enjoy 2% cashback on dining in hotels and restaurants.
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).
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.
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.
To be eligible for the offer, cardholders are required to settle the dining bills with the specific card that offers such dining privileges.
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.
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.
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.
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.
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.
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.
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.