• Best Dining Credit Cards 2018

    Best Credit Cards for Dining

    Dining credit cards offers rewards and benefits when you swipe your card to pay dining bills. These cards provide you with reward points, cashback or cash rebates. Some cards offer rewards at specific restaurants while the others offer rewards at any dining place.

    These cards also offer various other dining privileges such as discounted prices for group dining and discounts on food and beverages. Pick the card that offers higher benefits based on your preference on restaurants. This guide will explain the various dining benefits that the top Credit cards offer in Malaysia.

    Here are the Best Dining Credit Cards in Malaysia 2018

    Updated on 9th May 2018

    Card Name
    Dining Offers
    Annual Fee
    Interest Rate (% p.a.)
    Know More

    10% cashback

    RM127.20

    15-18

    10% cashback

    RM318

    15-18

    Up to 50% discount at selected restaurants

    Free for the first year; RM800 from the second year

    15-18

    50% off at participating Hilton Hotels

    Free for life

    15-18

    Up to 6% cashback

    Free for life

    15-18

    5x points for every RM1 spent

    Free for life

    15-18

    5 Bonus Points for every RM1 spent

    Free for life

    15-18

    5% cashback

    Free for life

    15-18

    5% cashback

    Free of charges if you make a minimum of 12 swipes every year

    15-18

    6% cashback

    Free for the first year; RM411.28 from the second year

    15-18

    Citi Cash Back Credit Card

    This card offers cashback on multiple categories including dining transactions. It also offers dining privileges on selected restaurants.

    Key Benefits:

    • Get cashback up to 10% on dining, groceries, petrol and Grab rides.
    • Get unlimited cashback of 0.2% on other retail transactions.
    Additional Points Description
    How to Use It
    • Use your card to pay for any retail transaction including your dining expenses.
    • Use the cashback to redeem gifts or to pay bills.
    Good about It
    • Cashback will be instantly credited to your account.
    • High cashback on dining and other categories.
    • No capping on cashback for a monthly spend below RM1,499.
    Keep in Mind
    • Minimum of RM1,000 in every billing month to qualify for 10% cashback.
    • Cap on cashback is RM10 per category per billing month with a minimum monthly spend of RM1,000 or more.
    • Annual fee of RM127.20 without any waiver.
    • Spending on any other category will not fetch any rewards.

    Who Should Get It:

    If you spend more than RM1,000 on dining, petrol, groceries and Grab rides every month, then this card is suitable for you. Meet the monthly requirement to earn a better percentage of cashback as cashback dips to 0.2% if minimum amount is not spent.

    Hong Leong WISE Platinum Card

    This card offers cashback on multiple categories including dining expenses. It allows you to choose categories according to your preference.

    Key Benefits:

    • Get 10% cashback on your chosen category.
    • Switch categories as per your needs.
    Additional Points Description
    How to Use It
    • Spend RM2,000 per calendar month to qualify for 10% cashback on your selected categories.
    • Get the cashback credited to your account on the 28th day of the following month.
    Good about It
    • Selection up to two categories in addition to a default category selected by the bank.
    • Switch between categories at any time.
    • Supplementary cards are considered for cashback.
    • Cashback applicable on overseas spend on the selected categories.
    Keep in Mind
    • Maintenance service fee of RM10.60 to switch categories.
    • Cap of RM100 per month on cashback.
    • No complimentary insurance cover.
    • No cashback on categories you have not enrolled for.

    Who Should Get It:

    The card is suitable for you if you prefer specific categories especially dining. This card offers a high rate of 10% cashback on any category you choose. If you spend RM2,000 or more each month, then you can save a lot on money on cashback.

    Maybank 2 Cards Premier Credit Card

    These cards offer rewards points and privileges for multiple categories. They also offer numerous discounts on dining at selected restaurants across Malaysia.

    Key Benefits:

    • Get up to 50% discount on food and beverages at Shangri-La Hotel, Kuala Lumpur.
    • Enjoy up to 10% discount on liquor bottles at Arthur’s Bar & Grill.
    • Get up to 20% discount with 5 or more diners at Mon Garden Café, Arthur's Bar & Grill, Zipangu and Shang Palace.
    • Earn 5 Treats Points on every RM1 spent on local and overseas transactions with your Maybank 2 Cards Reserve American Express Card.
    Additional Points Description
    How to Use It
    • Use your card to dine at any participating restaurants across Malaysia.
    • Redeem your Treats Points for Enrich Miles/KrisFlyer Miles/Asia Miles.
    Good about It
    • Up to 50% discount on food and beverages.
    • Complimentary travel insurance.
    Keep in Mind
    • Dining discounts applicable at selected outlets only..
    • Blackout period is applicable as defined by the restaurants.

    Who Should Get It:

    These 2 cards are suitable for you if you love to dine out regularly and travel overseas frequently. These cards offer a high rate of discount on food and beverages. In addition to the dining offers, you can also enjoy insurance coverage, golf privileges and discount on accommodation rates.

    AmBank Visa Infinite Credit Card

    This card offers dining privileges and discounts across Malaysia, China and Thailand. It also offers discounts on accommodations across Asia.

    Key Benefits:

    • Enjoy up to 50% discount on dining at participating Hilton Hotels across Asia.
    • Get 10% discount on best available room rates at participating Hilton Hotels across Asia.
    • Earn 5 AmBonus Points on online and overseas transactions.
    Additional Points Description
    How to Use It
    • Spend a minimum of RM30,000 in a year from the date of enrollment to get the discount on dining.
    • Convert the AmBonus Points into Frequent Flyer Miles to redeem free flight tickets at more than 50 airlines.
    Good about It
    • Travel insurance cover of up to RM2 million.
    • Complimentary access to Plaza Premium Lounge at more than 26 airports across the world.
    • Annual fee waiver for life.
    Keep in Mind
    • The dining offer is applicable at Hilton Hotels located in Malaysia, Thailand and China

    Who Should Get It:

    This card is suitable for you if you prefer to stay and dine at Hilton Hotels across Asia. This card allows you to dine in Malaysia and overseas at discounted prices. It is easy to maintain this card with its annual fee waiver. Other privileges such as concierge service and travel insurance cover make this card more appealing for travellers.

    RHB World MasterCard Credit Card

    This card offers cashback on dining and other categories. It also offers travel privileges across the world.

    Key Benefits:

    • Get up to 6% cashback on local dining, travel and petrol expenses.
    • Get up to 2% cashback on overseas dining and travel expenses.
    Additional Points Description
    How to Use It
    • Use your card for any travel, petrol or dining expenses across Malaysia.
    • Spend a minimum of RM1,000 every month to be eligible for cashback.
    Good about It
    • Card approved on spot with the Instant Credit Card Service.
    • No cap on the cashback for other categories.
    • Cashback for transactions at any petrol station in Malaysia such as Petron, Petronas and Shell.
    Keep in Mind
    • Cap on cashback on local transactions is RM30 per category per month.
    • Cap on cashback on overseas transactions is RM100 per month.
    • Cashback is not offered for spend on charity, government-related transactions and overseas petrol spend.
    • Minimum spend amount for maximum cashback is RM3,500 each month.

    Who Should Get it:

    This card is suitable for you if you spend a lot on dining, petrol and travel. This card allows you to earn cashback on other categories as well. The complimentary privileges such as airport lounge access, concierge service and travel insurance along with an annual fee waiver add to the travel experience.

    Standard Chartered Visa Platinum Credit Card

    This card offers rewards points for dining expenses. It also offers other features such as easy payments plans and balance transfer facility.

    Key Benefits:

    • Earn 5 points on every RM1 spent on dining, departmental store and overseas transactions.
    • Earn 1 point on every RM1 spent on other local transactions.
    Additional Points Description
    How to Use It
    • Swipe your card for any local or overseas transactions including dining expenses.
    • Accumulate your rewards points to redeem products such as mugs, coffee maker and Apple products.
    Good about It
    • 5,000 bonus points when you spend RM1,500 per month.
    • Better protection against fraud.
    • Minimum annual income requirement is RM24,000.
    Keep in Mind
    • Only 1 point for local transactions excluding dining and departmental store purchases.
    • Minimum 20,000 points for redemption

    Who Should Get It:

    This card is suitable for you if you spend a lot on local and overseas dining, departmental store and retail transactions. This card gives you maximum points on dining expenses. There is an annual fee waiver along with bonus 5,000 points for a minimum spend of RM1,500.

    CIMB Visa Infinite Credit Card

    This card offers rewards points on dining expenses. It also offers travel benefits such as access to lounges and travel insurance.

    Key Benefits:

    • Earn 5 Bonus Points for every RM1 spent on dining and overseas transactions.
    • Earn 1 Bonus Point for every RM1 spent on other transactions.
    • Up to 50% discount on dining privileges across Malaysia.
    Additional Points Description
    How to Use It
    • Swipe your card for any local or overseas dining expenses.
    • Use your card to pay for any travel expenses such as air tickets or accomodation expenses.
    • Redeem free flights with AirAsia BIG Points, Enrich Miles and Bonus Miles.
    • Redeem Bonus Points for cashback, vouchers and annual fee waiver.
    Good about It
    • Dedicated travel assistance at CIMB Premier Travel Desk.
    • Premium ride between Klang Valley and Kuala Lumpur International Airport.
    • Annual fee waiver for life
    Keep in Mind
    • Automatic renewal of complimentary access to lounge valid only for a minimum spend of RM100,000 in a year.
    • Minimum annual income is RM120,000.

    Who should Get It:

    This card is suitable for you if you travel and dine out overseas frequently. This card allows you to earn rewards points on dining as well as other categories. Enjoy regional dining privileges in Malaysia, Singapore and Indonesia.

    Public Bank Quantum MasterCard Credit Card

    This card offers rewards points and cashback on dining expenses. It also offers reward points for other local and overseas transactions.

    Key Benefits:

    • Enjoy 5% cashback on dining and online purchases.
    • Earn 1 VIP Point for every RM1 spent on local retail transactions.
    • Earn 2 VIP Points on every RM1 spent on overseas purchases
    Additional Points Description
    How to Use It
    • Swipe your card to pay your dining, online and retail shopping bills.
    • Accumulate points to redeem gifts of your choice from the Preferred Redemption Rewards Catalogue.
    • Exchange your VIP Points for Enrich Miles or BIG Points.
    Good about It
    • Annual fee waiver on both primary and supplementary cards.
    • Conversion of purchases into Flexi-Payment Plan at 0% interest rate.
    • Contactless payment facility offered by the card.
    • e-Commerce Payment Protection feature.
    Keep in Mind
    • Maximum cashback is RM30 per month.
    • VIP Points expire in three years.

    Who Should Get It:

    The card is suitable to you if you spend regularly on dining and online shopping. This card offers a good rate of cashback and rewards points on such categories. These rewards points can be redeemed for multiple gifts, products and air miles.

    Mach Credit Card

    This card offers discount on dining and shopping transactions. It also offers cashback on all purchases. It allows you to change categories according to your lifestyle.

    Key Benefits:

    • Get cash rebates when you dine at McDonald’s, Nando’s, Sushi King and more.
    • Enjoy up to 5% discount on dining expenses.
    Additional Points Description
    How to Use It
    • Swipe your card to pay the bills at merchant partner outlets to earn the cash rebate
    • Use you card at selected outlets to get discount on dining.
    Good about It
    • Opportunity to choose a package per your requirements.
    • Switch of categories based on your convenience.
    • Cash rebate for most categories.
    • Hong Leong Connect feature to pay your card bills with the earned cashback.
    Keep in Mind
    • Minimum of 12 swipes per year to get a waiver on annual fees.
    • Cash rebate is based on the packages set by the bank.
    • Cash rebate on few categories is 1%.
    • Cash rebate valid only at selected merchant partners.

    Who Should Get It:

    This card is suitable for you if you spend a lot on dining, travel, fashion, movies, groceries, mobile, fitness, departmental store purchases, online purchases and technology spends. This card offers a good mix of low and high cash rebates on different categories. Cash rebate of 5% on dining is a pretty good deal.

    Public Bank Visa Signature Credit Card

    This card offers rewards points and cashback on multiple categories. This card can be used for groceries and shopping apart from dining.

    Key Benefits:

    • Get 6% cashback on grocery shopping and online purchases.
    • Earn 1 VIP Point on every ringgit you spend on other retail transactions.
    Additional Points Description
    How to Use It
    • Pay your bills with this card.
    • Use this card for all dining, grocery and online purchases.
    • Redeem your VIP Points for Air Miles or gift vouchers from the Redemption Rewards Catalogue.
    • Redeem your cashback for gift vouchers from the Redemption Rewards Catalogue.
    Good about It
    • Two complimentary visits to Malaysia Plaza Premium Lounges.
    • Travel insurance cover of up to RM500,000.
    • Signature Help Desk at the number 03-2176 8118 to resolve your queries.
    Keep in Mind
    • Cap on cashback is RM38 per month.

    Who Should Get It:

    This card is suitable for you if you frequently spend on grocery purchases, dining and online shopping. This card allows you to earn points and cashback on all transactions including dining. Enjoy an annual fee waiver for the first year, and swipe your card at least once per month from the second year onwards to enjoy subsequent waiver.

    How to Choose the Best Dining Card

    Check your spending pattern on dining and other transactions. Make a note of the total amount you spend each month on dining. Compare various dining cards to see which one is ideal for your budget and spending pattern.

    Compare benefits such as rewards points, cashback, cash rebates and discounts on dining of various cards. Choose a card that offers exclusive dining privileges along with low annual fees or a low income requirement.

    If you are looking for cards that offer dining benefits as well as benefits in other categories, check the best shopping credit cards and the best rewards credit cards to compare and choose a card that offers maximum benefits.

    BBazaar's Best Dining Credit Cards of 2018

    Use this guide to compare and choose the card that is best suited to you. Make sure you read all terms and conditions pertaining to the card before opting for one. Identify your preferred spending category and budget to pick a card that will meet your financial needs. This table below will explain the categories that each individual card is ideal for. Utilize this table when comparing cards to choose the best card for yourself.


    Credit Card Dining Offers
    Citi Cash Back Credit Card 10% cashback
    Hong Leong WISE Platinum Card 10% cashback
    Maybank 2 Cards Premier Credit Card Up to 50% discount at selected restaurants
    AmBank Visa Infinite Credit Card 50% off at participating Hilton Hotels
    RHB World MasterCard Credit Card Up to 6% cashback
    Standard Chartered Visa Platinum Credit Card 5x points for every RM1 spent
    CIMB Visa INFINITE Credit Card 5 Bonus Points for every RM1 spent
    Public Bank Quantum MasterCard Credit Card 5% cashback
    Mach Credit Card 5% discount
    Public Bank Visa Signature Credit Card 6% cashback

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