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Best Dining Credit Cards in Hong Kong

Compare dining credit cards in Hong Kong to enjoy dining promotions and hotel buffet offers. Read More
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We found 27 Credit Cards for you!
Recommended
Citi Cash Back Card
MoneySmart Exclusive
2% foreign currency rebate

Citi Cash Back Card

Annual Fee
First Year Annual Fee Waiver
Rebate on Overseas Spending & Local Dining
Unlimited 2%
Rebate on Local Spending
Unlimited 1%

【July Exclusive｜🎁 Just landed: K-Beauty Device & Premium Audio Quality!】
From now until 17 July 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 after card issuance, can earn one of the following exciting rewards:
・HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・🆕 Medicube Age-R Booster Pro 6 in 1 Facial Beauty Device (Value: HK$3,700)
・PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$2,788) or
・[🌟4.5-Star Rated] Garmin Forerunner 165 Music Smartwatch (Value: HK$2,699) or
・🆕 Sennheiser Momentum True Wireless 4 (Value: HK$2,499)!

Valid until 17 Jul 2025 - See more details below
Apply Now
Apply Now
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HSBC Red Credit Card
MoneySmart Exclusive

HSBC Red Credit Card

Min. Annual Salary
HK$120,000
RewardCash Rebate
Up to 4%
Cash back on Supermarket purchases
2%

【Extended! MoneySmart Exclusive Offer: Earn additional HK$300 cash voucher!】
By July 31, 2025, new and existing credit customers who apply for the HSBC Red Credit Card through MoneySmart successfully and submit the rewards redemption form, you can earn HK$300 Apple Store Gift Card / HK$300 PARKnSHOP supermarket voucher.
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🎫⚡️Successfully register and apply online for an Eligible HSBC Credit Card can enjoy exclusive booking privileges upon card approval. You'll stand the chance to purchase tickets for the additional shows of HSBC 160th Anniversary Presents Theatre Show 'Let Me Entertain You' and earn the welcome offer!

Valid until 31 Jul 2025 - See more details below
Apply Now
The Platinum Card
MoneySmart Exclusive
Family Travel Cover | 0% Cross Border Fee

The Platinum Card

Discount at designated restaurants
40%
Discount at Expedia/Hotels.com/Trip.com
8%
Discount at Agoda
Up to 7%

【🔥MoneySmart Exclusive: 😱 HK$3,500 CASH or New Premium Gifts Await!】
From now until 16 July 2025, 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 Cash below. Hurry, this limited-time upgrade awaits!
1. 🤑 HK$3,500 Cash (automatically converted by 35,000 SmartPoints and will directly deposit into your FPS account)
2. PHILIPS ADD6921DG/90 RO Water Dispenser with instant heating and cooling (Value: HK$5,488) or
3. 🆕 Dyson Airwrap™ Multi-styler (Value: HK$4,480) or
4. Insta360 X5 Flagship 8K 360º Action Camera (Standard Bundle) (Value: HK$4,099) or
5. HK$3,500 Apple Store Gift Card
⠀⠀
Terms & Conditions Apply.

Valid until 16 Jul 2025 - See more details below
Apply Now
Apply Now
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Citi PremierMiles Card
MoneySmart Exclusive
Free travel insurance and airport lounges access

Citi PremierMiles Card

Minimum Income Requirements
HK$120,000
Miles Conversion (Dining)
$8 = 1 Mile
Cash back on dining
3.2%

【July Exclusive｜🎁 Just landed: K-Beauty Device & Premium Audio Quality!】
From now until 17 July 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 after card issuance, can earn one of the following exciting rewards:
・HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・🆕 Medicube Age-R Booster Pro 6 in 1 Facial Beauty Device (Value: HK$3,700)
・PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$2,788) or
・[🌟4.5-Star Rated] Garmin Forerunner 165 Music Smartwatch (Value: HK$2,699) or
・🆕 Sennheiser Momentum True Wireless 4 (Value: HK$2,499)!

Valid until 17 Jul 2025 - See more details below
Apply Now
Apply Now
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AEON CARD WAKUWAKU

AEON CARD WAKUWAKU

Min. Annual Salary
HK$0
Cash back on online shopping
6%
Cash back on local spending (dinning)
1%
Read More
Hang Seng Travel+ Visa Signature Card
MoneySmart Exclusive
Overseas Spending up to 7% Reward

Hang Seng Travel+ Visa Signature Card

Annual Fee
Perceptual Annual Fee Waiver
+FUN Dollars Rebate on Foreign Currency Spending
Up to 7%
+FUN Dollars Rebate on Local Dining & Transportation Spending
Up to 5%
Apply and redeem any of these rewards

From 1 July 2025 until 31 July 2025, new and existing customers who apply for the Travel+ Visa Signature Card via MoneySmart, simply spend HK$100 within 30 days after card issuance, you can enjoy an extra 3,000 SmartPoints and free to redeem HK$300 vouchers (over 20+ brand vouchers including Apple / Trip.com / HKTVmall etc). Click here to explore limitless possibilities (T&C applied)!

Valid until 31 Jul 2025 - See more details below
Apply Now
American Express® Platinum Credit Card
MoneySmart Exclusive
Up to 50% savings at designated restaurants

American Express® Platinum Credit Card

Min. Annual Salary
HK$300,000
Miles Conversion (Dining)
$6 = 1 Mile
Cash back on dining
1％
【📣 Welcome Offer: Valued up to HK$1,800 upon card approval!】
Apply via MoneySmart by 14 July 2025 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 until 14 Jul 2025 - See more details below
Apply Now
HSBC Visa Signature Card
MoneySmart Exclusive

HSBC Visa Signature Card

Min. Annual Salary
HK$240,000
Miles Conversion (Dining)
HK$2.78 = 1 Mile
Miles Conversion (local spend)
HK$2.78 = 1 Mile
【Welcome Offer up to $1,000 RewardCash!】
During the Promotion Period, New Credit Card Customers who successfully apply for an Eligible HSBC Credit Card, and make respective accumulated amount of Eligible Transactions within the first 60 calendar days after card issuance, can enjoy $800 RewardCash; Successfully apply for Spending Instalment Plan can enjoy an additional $200 RewardCash!

🎫⚡️From now until 31 July 2025, successfully register and apply online for an Eligible HSBC Credit Card can enjoy exclusive booking privileges upon card approval. You'll stand the chance to purchase tickets for the additional shows of HSBC 160th Anniversary Presents Theatre Show 'Let Me Entertain You' and earn the welcome offer!
Valid until 31 Jul 2025 - See more details below
Apply Now
Hang Seng enJoy Card
MoneySmart Exclusive
Up to 4x Points to spend as cash

Hang Seng enJoy Card

Annual fee
Perpetual annual fee waiver
Cash back on local spend
2%
Welcome Offer
Up to 120,000 yuu Points
Apply and redeem any of these rewards

【Make Every Grocery Trip Count】
From now until 31 July, new credit card customers* who successfully applied for the Hang Seng enJoy Card via MoneySmart, simply spend HK$200 within 30 days after card issuance, can enjoy an extra 10,000 SmartPoints; existing customers who spend HK$200 within 30 days after card issuance, can also enjoy extra 7,000 SmartPoints!
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New customers can use 10,000 SmartPoints to fully redeem HK$1,000 vouchers (over 20+ brand vouchers including Apple / HKTVmall / Klook etc) or BRUNO Compact Hot Plate (BOE021-RD) (Value : HK$998) from our Rewards Store. You can also top-up to redeemJBL Charge 6 Wireless Speaker (Value: HK$1,399). 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!
⠀⠀
【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)!

Valid until 31 Jul 2025 - See more details below
Apply Now
Citi Rewards MasterCard
MoneySmart Exclusive
3% Points on Shopping and Entertainment

Citi Rewards MasterCard

Minimum Income Requirements
HK$120,000
Rebate on Shopping & Entertainment Transactions
8.1X points
Miles Conversion (Shopping and entertainment spending)
As low as $1.8 = 1 Mile

【July Exclusive｜🎁 Just landed: K-Beauty Device & Premium Audio Quality!】
From now until 17 July 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 after card issuance, can earn one of the following exciting rewards:
・HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・🆕 Medicube Age-R Booster Pro 6 in 1 Facial Beauty Device (Value: HK$3,700)
・PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$2,788) or
・[🌟4.5-Star Rated] Garmin Forerunner 165 Music Smartwatch (Value: HK$2,699) or
・🆕 Sennheiser Momentum True Wireless 4 (Value: HK$2,499)!

Valid until 17 Jul 2025 - See more details below
Apply NowApply directly on MoneySmart
HSBC Pulse UnionPay Dual Currency Diamond Credit Card
MoneySmart Exclusive

HSBC Pulse UnionPay Dual Currency Diamond Credit Card

Min. Annual Salary
HK$120,000
RewardCash Rebate
Up to 4.4%
Miles Conversion (local spend)
HK$4.17 = 1 Mile
【Welcome Offer up to $1,000 RewardCash!】
During the Promotion Period, New Credit Card Customers who successfully apply for an Eligible HSBC Credit Card, and make respective accumulated amount of Eligible Transactions within the first 60 calendar days after card issuance, can enjoy $800 RewardCash; Successfully apply for Spending Instalment Plan can enjoy an additional $200 RewardCash!

🎫⚡️From now until 31 July 2025, successfully register and apply online for an Eligible HSBC Credit Card can enjoy exclusive booking privileges upon card approval. You'll stand the chance to purchase tickets for the additional shows of HSBC 160th Anniversary Presents Theatre Show 'Let Me Entertain You' and earn the welcome offer!
Valid until 31 Jul 2025 - See more details below
Apply Now
Citi Rewards UnionPay Card
MoneySmart Exclusive
1% Points Rebate for all local Mobile Payments

Citi Rewards UnionPay Card

Minimum Income Requirements
HK$120,000
Cashback on shopping & entertainment transactions
8.1X points
Miles Conversion (Shopping and entertainment spending)
As low as $1.8 = 1 Mile

【July Exclusive｜🎁 Just landed: K-Beauty Device & Premium Audio Quality!】
From now until 17 July 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 after card issuance, can earn one of the following exciting rewards:
・HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・🆕 Medicube Age-R Booster Pro 6 in 1 Facial Beauty Device (Value: HK$3,700)
・PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$2,788) or
・[🌟4.5-Star Rated] Garmin Forerunner 165 Music Smartwatch (Value: HK$2,699) or
・🆕 Sennheiser Momentum True Wireless 4 (Value: HK$2,499)!

Valid until 17 Jul 2025 - See more details below
Apply Now
sim World Mastercard®️
MoneySmart Exclusive
Up to 8% cashback on online retail transactions*

sim World Mastercard®️

Cashback on Online Retail Transactions and Overseas Retail Transactions
Up to 8%
Fee Waiver
First Year Free
Local Resident
HK$150,000

July Exclusive【Spend HK$100, Get HK$400 – Grab 4X Cash Rebate🤑】
From now until 31 July 2025, customers who successfully apply for sim Credit Card/ sim World Mastercard®️ via MoneySmart, and spend accumulate eligible retail transactions of HK$100 within 30 days after card issuance, can earn HK$400 Apple Store Gift Card or HK$400 PARKnSHOP Supermarket Voucher! 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 until 31 Jul 2025 - See more details below
Apply NowApply directly on MoneySmart
HSBC UnionPay Dual Currency Credit Card
MoneySmart Exclusive

HSBC UnionPay Dual Currency Credit Card

Min. Annual Salary
HK$60,000
RewardCash Rebate
2.4%
Miles Conversion (local spend)
HK$4.17 = 1 Mile
【Welcome Offer up to $800 RewardCash!】
During the Promotion Period, New Credit Card Customers who successfully apply for an Eligible HSBC Credit Card, and make respective accumulated amount of Eligible Transactions within the first 60 calendar days after card issuance, can enjoy $600 RewardCash; Successfully apply for Spending Instalment Plan can enjoy an additional $200 RewardCash!

🎫⚡️From now until 31 July 2025, successfully register and apply online for an Eligible HSBC Credit Card can enjoy exclusive booking privileges upon card approval. You'll stand the chance to purchase tickets for the additional shows of HSBC 160th Anniversary Presents Theatre Show 'Let Me Entertain You' and earn the welcome offer!
Valid until 31 Jul 2025 - See more details below
Apply Now
AEON Card JAL

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
Citi The Club

Citi The Club

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%
Read More
Standard Chartered Cathay Mastercard - Priority Banking
MoneySmart Exclusive

Standard Chartered Cathay Mastercard - Priority Banking

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
MoneySmart Exclusive Offer
Up to HK$1,780

【 ✈️ Miles and More: Additional branded gifts from MoneySmart!】
From now until 31 July 2025, new cardholders who successfully apply for Standard Chartered Cathy Mastercard now via MoneySmart to get one of the following gifts:
・🆕 OSIM uCozy V V Neck & Shoulder Massager (Value: HK$1,780)
・Denon PerL AH-C10PL True Wireless In-Ear Headphones (Value: HK$1,580)
・🆕 Momax Cymbal Wireless Charging Table with Built-In Ambience Light and Speaker (Value: HK$1,299)
・Oral-B iO Series 3 Electric Toothbrush (Value: HK$1,299)
・HK$900 Apple Store Gift Card/ PARKnSHOP Supermarket Voucher

Valid until 31 Jul 2025 - See more details below
Apply Now
HSBC Visa Gold Card for Students
MoneySmart Exclusive
Up to $300 RewardCash welcome offer

HSBC Visa Gold Card for Students

RewardCash for spending in Rewards of Your Choice category
6X
RewardCash Rebate
Up to 2.4%
RewardCash
$300
【👨🏻‍🎓 Calling All Students: Earn up to $500 RewardCash!】
During the Promotion Period, New Credit Card Customers who successfully apply for HSBC Visa Gold Card for Students, and make respective accumulated amount of Eligible Transactions within the first 60 calendar days after card issuance, can enjoy $300 RewardCash; Successfully apply for Spending Instalment Plan can enjoy an additional $200 RewardCash!


🎫⚡️From now until 31 July 2025, successfully register and apply online for an Eligible HSBC Credit Card can enjoy exclusive booking privileges upon card approval. You'll stand the chance to purchase tickets for the additional shows of HSBC 160th Anniversary Presents Theatre Show 'Let Me Entertain You' and earn the welcome offer!
Valid until 31 Jul 2025 - See more details below
Apply NowApply directly on MoneySmart
AEON UnionPay Credit Card

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®

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

Credit CardsPartner RestaurantsRewards
Citi Cash Back Visa CardLei Garden Restaurant, Basement 1 Restaurant, Yu Lan, etc. 2% cashback on all dining
HSBC Visa Signature CardHyatt Regency Hotel Tsui, Mira , etc.Up to 3.6% cashback
Standard Chartered Simply Cash Visa CardHarbour View Hotel,Sheraton. etc. 1.5 % cashback on all dining
American Express Platinum Credit CardAqua, Beefbar Hong Kong, etc. 1% cashback/ HK$5 = 1 mile
Hang Seng Visa Infinite CardIsland Shangri-La, Hong Kong, InterContinental Hong Kong Sheraton Hong Kong Hotel & Towers Sheraton Hong Kong Hotel & Towers, etc.Up to 10x Cash Dollars for online shopping/local dining spending on weekends
DBS Black World MastercardConrad 2X DBS$ (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.)

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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 and nbsp;
  • 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 and Overseas Spending Rewards”
  • Enjoy dining offers from reputable restaurants.

    • 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.
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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, 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

    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.

    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.