Best Dining Credit Cards Hong Kong

Updated February 2019

Find the best credit cards for dining with promotions, rewards and air miles in Hong Kong, MoneySmart compares HSBC, Citibank, DBS, Standard Chartered and more for your valuable dining offers. Quick compare and easy to apply online!

Other Dining Cards
AEON Card JAL
AEON Card JAL

$0

Min. Annual Salary

$6 = 1 Mile

Miles Conversion (Dining)

N.A.

Cash back on dining

Best for: People who like to travel to Japan
Pros
  • No transaction fee is imposed by AEON on foreign currency transaction
  • Enjoy 10% discount for all inflight purchases
  • Accumulate credit purchase spending HK$30,000 or above in 12 months upon card issuance and annually thereafter, the annual fee $480 of the coming year will be waived
  • Enjoy 5% discount offer for shopping at Japan Duty Free shops and JAL Duty Free at the Narita International Airport, Tokyo
  • Enjoy 5% credit purchase discount at AEON on "Thanksgiving Days" (2nd & 20th of every month)
Cons
  • Miles can only be used for Japan Airlines
DBS Black World Mastercard
DBS Black World Mastercard

$240,000

Min. Annual Salary

$6 = 1 Mile

Miles Conversion (Dining)

0.8%

Cash back on dining

Promotion: Welcome offer: Up to 85,000 miles
Best for: Travel lovers, using DBS$ to redeem 4 different kinds of mileage, or instant redeem flight ticket or hotel via iGO Rewards with DBS$
Pros
  • Attractive welcome offer:First HK$5,000 local spending HK$1 = 1 Mile and first HK$70,000 overseas spending HK$2.5 = 1 mile
  • No expiry date on DBS$
  • 20% off Cash Rebate Redemption Promotion
  • Exclusive 45% off iGO Rewards Redemption
  • Complimentary newspaper/magazine redemption at airport
  • Use DBS$ to redeem flights, hotels, car rental or packages
  • Top up in PayMe can earn HK$6 = 1 Mile
Cons
  • No miles on bill-payment and insurance payment
  • No complimentary travel insurance
Hang Seng enJoy Card
Hang Seng enJoy Card

$150,000

Min. Annual Salary

N.A.

Miles Conversion (Dining)

1%

Cash back on dining

Promotion: Welcome offers up to $400 enJoy Dollars and receive HKD3,500 designated merchant coupons
Best for: People who frequently shopping on enJoy card designated merchant
Pros
  • Many designated merchants exclusive year-round discount offers
  • 1% enJoy Dollars Rebate for spending with your Card at the enJoy Card Designated Merchants (every HKD200 = $2 enJoy Dollars)
  • up to 2.4% Cash Dollars rebate on overseas spending and online shopping
  • Principal and Supplementary Card Customers will enjoy Perpetual Annual Fee Waiver
Cons
  • Every HKD200 card spending with your Card at merchant outlets other than the enJoy Card Designated Merchants, you can earn $1 Cash Dollar
Citi Rewards Visa Card
Citi Rewards Visa Card

$150,000

Min. Annual Salary

$3 = 1 Mile

Miles Conversion (Dining)

0.4%

Cash back on dining

Promotion: Welcome offer 135,000 Points + MoneySmart exclusive HK$400 Voucher!
Best for: Frequent shoppers looking to maximize points that can be used for a wide range of redemption options
Pros
  • Welcome offer 135,000 Points (can be redeemable for HK$600 Wellcome coupon or 9000 Miles=Round trip ticket to Taipei 1 set)
  • After applying via MoneySmart, you may receive exclusive HK$400 Supermarket Voucher, without any spending requirement. Click here to learn more and redeem the offer
  • Enjoy 5X points (=HK$3/Mile) all year round and 8X points (=HK$1.875/Mile) during your birthday month for spending in supermarkets, department stores and telecommunication bill payments
  • E-wallet transaction is eligible as welcome offer spending (PayMe, WhChat Pay, AliPay, etc.)
  • Points never expire
  • Low annual income requirement for HK$150,000
Cons
  • Fees will be charged for converting points into miles
  • No points for making payment through online e-banking
  • No offers for overseas spending
Standard Chartered Simply Cash Visa Card
Standard Chartered Simply Cash Visa Card

HKD240,000

Min. Annual Salary

N.A.

Miles Conversion (Dining)

1.5%

Cash back on dining

Promotion: Welcome offer up to HKD2,000 CashBack + MONEYSMART exclusive HK$250 Voucher!
Best for: CashBack seekers
Pros
  • Attractive New Cardholders welcome offer, up to HKD2,000 CashBack (100% CashBack [up to HKD1,000] + Lucky draw for extra HKD1,000 CashBack)
  • Receive extra HKD100 CashBack when apply for Standard Chartered UnionPay Dual Currency Platinum Credit Card at the same time
  • 1.5% CashBack on local currency spending, including Octopus Automatic Add-Value transactions
  • Minimum annual income requirement is HKD240,000
  • Enjoy all promotions of Visa Signature
Cons
  • No CashBack on bill payments made through Standard Chartered Online Banking, Standard Chartered Phone Banking or JET Payment Services and insurance payments
Blue Cash℠ Credit Card from American Express
Blue Cash℠ Credit Card from American Express

$150,000

Min. Annual Salary

N.A.

Miles Conversion (Dining)

1.2%

Cash back on dining

Promotion: Welcome offer: HK$500 Cashback + 2 movie tickets + MONEYSMART exclusive HK$350 Voucher and Le Creuset Gift Set !
Best for: Cash rebates seekers, 1.2% cash rebate in spending
Pros
  • Enjoy 1.2% Cashback on everyday purchases, in town and overseas
  • Annual salary requirement is low (HK$150,000)
  • Online fraud protection guarantee and 45 days cover
  • 15% savings on 3D, 2D and IMAX movie tickets at Broadway Circuit and AMC Pacific Place cinemas
  • Cashback with no string
Cons
  • No rebates on bill-payment and octopus auto add value
HSBC Visa Platinum Card
HSBC Visa Platinum Card

$150,000

Min. Annual Salary

$4.17 = 1 Mile

Miles Conversion (Dining)

2.4%

Cash back on dining

Promotion: Welcome offer: Apply online to get up to HK$1,800 + first two-year annual fee waiver
Best For: People who want to earn maximum amount of points to be used for a category of their choosing
Pros
  • Earn up to 6X RewardCash with ""Red Hot Rewards of Your Choice"" on your frequent spending category (equal to 2.4% RewardCash rebate)
  • HSBC Exclusive Benefits: Concierge services including travel information and restaurant reservations, exclusive hotel and car rental offers, and application for Private Label Cards (city'super, CODE, Dickson, and HARVEY NICHOLS)
  • Earn RewardCash by settling Premium / tuition via e-banking (only for the first HK$10,000 each month)
  • No extra fee for Dynamic Currency Conversion transactions
    Cons
    • Fee charged for mileage conversion
    All results loaded

    Compare Dining Credit Cards in Hong Kong 2019

    OffersCredit CardDining Cashback
    2% cash rebate for global dining and hotel spending (buffet must-have)Citi Cash Back Visa Card2% cash rebate
    Free delivery for the first 3 Deliveroo orders of new customersHSBC Visa Signature Card2.4% cash rebate or $4.17/mile
    Max. $120 Foodpanda offerDBS Eminent Visa Signature Card3% cash rebate
    4.4% cash rebate for $500+ dining spending on Saturday and SundayBEA Visa Signature Card2.4% cash rebate

    Credit Card Dining Promotions 2019

    For a foodie like you, having a dining credit card allow you not only to earn more air miles and cashback, also save more with the dining offers provided by card issuers.

    All Year Round Dining Credit Card Offers

    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).

    Time-Limited Offers

    Credit cards collaborate with restaurants to launch time-limited offers, giving you discounts on festivals and celebrations. Take DBS credit cards as an example, lately, they have launched a Christmas offer: ordering Haagen-Dazs ice cream fondue takeaway gives you basic 3% dining rebate and a discount up to 10%.

    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, 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, 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 chance 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, but 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.