Best Dining Credit Cards in Hong Kong 2020 | MoneySmart

Best Dining Credit Cards in Hong Kong 2020

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$5 = 1 mile
Hang Seng Visa Infinite Card	Island Shangri-La, Hong Kong, InterContinental Hong Kong Sheraton Hong Kong Hotel & Towers Sheraton Hong Kong Hotel & Towers, etc.	Up to 10x Cash Dollars for online shopping/local dining spending on weekends
DBS Black World Mastercard	JW Marriott Hotel Hong Kong, Hyatt Centric Victoria Harbour Hong Kong	2X DBS$ (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.

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

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 #1Promotion 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 #2Limit 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 #3Payment 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.