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Best Dining Credit Cards of 2019

Very few things in life come close to the experience of dining at a fancy restaurant and having a delicious meal. What’s even better is getting a discount on such dining bills. This scenario can now be a possibility if you have a dining credit card.

Dining credit cards allow you to earn reward points and cash rebates or even offer discounts on your dining-related spends. Some credit cards may also provide you with exclusive dining privileges. Wondering which dining credit card you should choose? Whether you’re looking to upgrade your old card or want to apply for a new one, here’s a detailed look at the best dining credit cards in Malaysia at the moment.

Best Dining Credit Cards

BBazaar's Best Dining Credit Cards in Malaysia 2019

Updated on 7th January 2019

Credit Card Dining Offers
RHB World Mastercard Credit Card Up to 6% cashback deepening on your monthly spend.
Standard Chartered Visa Platinum Credit Card 5x points on dining expenses
CIMB World Mastercard 50% off selected restaurants in Malaysia, Indonesia, and Singapore.
AmBank BonusLink Visa Signature Card 10x BonusLink Points for the dining category.
Maybank 2 Gold Cards Up to 50% when dining at SPG Hotels and Resorts.
Citi PremierMiles Visa Card Up to 45% off dining bills at selected Malaysian restaurants.
Public Bank Quantum Mastercard Credit Card 5% cashback on dining transactions.
Hong Leong Sutera Platinum Card 3x Rewards Points for dining all day.

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Here are the Best Dining Credit Cards in Malaysia 2019

Updated on 7th January 2019

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

Up to 6% cashback deepening on your monthly spend.

(Dining Offers)

15% p.a. -18% p.a.

(Interest Rate)

Principal card: Waived for life.

Supplementary card: Waived for lif

(Annual Fee)

50% off selected restaurants in Malaysia, Indonesia, and Singapore.

(Dining Offers)

15% p.a. to 18% p.a.

(Interest Rate)

Principal card: Waived for life.

Supplementary card: Waived for life.

(Annual Fee)

points on dining spends

(Dining Offers)

15% p.a. -18% p.a.

(Interest Rate)

Waived for life

(Annual Fee)

10x BonusLink Points for the dining category.

(Dining Offers)

15% p.a. -18% p.a

(Interest Rate)

Principal card: RM550.

Supplementary card: RM300.

(Annual Fee)

Up to 50% when dining at SPG Hotels and Resorts.

(Dining Offers)

15% p.a. to 18% p.a.

(Interest Rate)

Principal card: Waived for life.

Supplementary card: Waived for life.

(Annual Fee)

Up to 45% off dining bills at selected Malaysian restaurants.

(Dining Offers)

15% p.a. -18% p.a.

(Interest Rate)

Principal Card: RM600 p.a.

Supplementary Card: Waived for life.

(Annual Fee)

5% cashback on dining transactions.

(Dining Offers)

15% p.a. -18% p.a.

(Interest Rate)

Principal card: Waived for life.

Supplementary card: Waived for life.

(Annual Fee)

3x Rewards Points for dining all day.

(Dining Offers)

15% p.a. -18% p.a.

(Interest Rate)

Principal card: RM400.

Supplementary card: RM200.

(Annual Fee)

*Effective 1 September 2018, Sales and Services Tax (SST) of RM25 will be imposed on the existing fee upon card renewal or activation.

RHB World Mastercard Credit Card

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

Up to 6% cashback deepening on your monthly spend.

(Dining Offers)

15% p.a. -18% p.a.

(Interest Rate)

Principal card: Waived for life.

Supplementary card: Waived for lif

(Annual Fee)

The RHB World Mastercard Credit Card offers cashback when you dine out. You can also use this card to book your flight tickets and get travel insurance coverage in return.

Key Benefits:

  • Earn up to 6% cashback depending on how much you spend per month
    • Get 6% cashback on dining, petrol, and travel and 2% cashback on overseas spends when you spend RM3,500 and above.
    • Get 2% cashback on dining, petrol, and travel, and 1% cashback on overseas spends when you spend from RM2,500 to RM3,499.
    • Get 1% cashback on dining, petrol, and travel, and 0.5% cashback on overseas spends when you spend from RM1,000 to RM2,499.
    • Get 0.2% cashback for all retail spends.
  • Enjoy travel insurance coverage of up to RM600,000 when you charge your card with the full airfare.
  • Get 5x access to airport lounges in Malaysia and in Singapore Changi Airport.
  • Make use of RHB Bureau-de-Change for major foreign currencies.
Additional Points Description
How to Use It
  • Use your card for dining, fuel purchases, and travel and earn cashback.
  • The cashback will be credited to your account.
Good about It
  • The annual fee for both the principal and the supplementary cardholder is waived for life.
  • The minimum credit limit of the card is RM15,000.
  • Enjoy golf privileges from selected golf courses.
Keep in Mind
  • You won't earn any cashback for government-related payments, overseas petrol transactions, and charity payments.
  • The cashback earned on dining, travel, and petrol purchases is capped at RM30.
  • The cashback for overseas transactions is capped at RM100.

Who Should Get It:

  • Food lovers, frequent travellers, and those who use their card for petrol transactions.

Standard Chartered Visa Platinum Credit Card

With the Standard Chartered Visa Platinum Credit Card, you can earn 360° Rewards Points on all kinds of retail transactions, especially your dining expenses. You can even earn bonus points every month by meeting the minimum spending condition.

Key Benefits:

  • Earn 5x 360° Rewards Points on dining, departmental store, and overseas transactions.
  • Spend at least RM1,500 in a month to get 5,000 bonus points for that month.
  • Earn 1x 360° Rewards Points on all other local transactions.
Additional Points Description
How to Use It
  • Use your Standard Chartered Visa Platinum Credit Card to pay your dining bills.
  • This card can also be used for all other local and overseas retail purchases.
Good about It
  • Get an annual-fee waiver for life, whether you’re a principal or the supplementary cardholder.
  • Enjoy exclusive deals at over 4,000 partner outlets throughout Malaysia and in Asia.
  • Get extra cash during emergencies for a low interest rate with Cheque-On-Call Plus.
Keep in Mind
  • 360° Rewards Points earned by the supplementary cardholder will be credited into the principal cardholder’s account.
  • 5x 360° Rewards Points for dining and departmental store transactions are applicable at selected outlets with a pre-listed Merchant Category Code (MCC).

Who Should Get It:

  • Regular diners who wish to save on their dining spends.
  • Those who wish to be rewarded for every RM1 spent overseas or locally.
Card Name
Dining Offers
Interest Rate (% p.a.)
Annual Fee
Know More

10x BonusLink Points for the dining category.

(Dining Offers)

15% p.a. -18% p.a

(Interest Rate)

Principal card: RM550.

Supplementary card: RM300.

(Annual Fee)

This card offers high rewards when you dine locally or overseas. If you use your card at any of the BonusLink partner outlets, you earn 2 sets of BonusLink Points.

Key Benefits:

  • Earn 10x BonusLink Points for dining.
  • Earn 10x BonusLink Points for groceries, entertainment, fuel purchases at Shell Petrol, purchases at Parkson, and online purchases.
  • Earn 2 sets of BonusLink Points when you carry out a single transaction at any BonusLink partner outlets.
  • Earn 6 BonusLink Points for every RM10 spent overseas.
  • Earn 3 BonusLink Points for every RM10 spent locally.
  • Get 5x Plaza Premium Lounge access to selected local and international airports.
  • Get complimentary travel insurance coverage of up to RM2 million.
  • Use more than the maximum assigned credit limit of your card with the Excess Limit Service facility.
  • You also get golfing privileges with this card.
Additional Points Description
How to Use It
  • Use your card when you dine out as well as for other transactions to earn BonusLink Points.
  • Redeem 5,700 BonusLink Points with RM50 cash.
  • You can also redeem the accumulated BonusLink Points on-the-spot at over 1,100 outlets in Malaysia.
Good about It
  • There is no limit to earn cash credit.
  • Your accompanying guest will get a 25% discount for accessing any airport lounges in Malaysia, and 20% discount on international airport lounges.
  • The annual fee is waived for the first 2 years.
Keep in Mind
  • To be eligible for this card, you must earn at least RM80,000 p.a.
  • The accumulated BonusLink Points are only valid for three years. Unused points will be forfeited.
  • To continue enjoying annual fee waiver, you must swipe your card at least 12 times a year.

Who Should Get It:

  • Those who like to dine out frequently.
  • Those who use their card to buy airline tickets.
  • Those who make petrol transactions with their card.

Hong Leong Sutera Platinum Card

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

3x Rewards Points for dining all day.

(Dining Offers)

15% p.a. -18% p.a.

(Interest Rate)

Principal card: RM400.

Supplementary card: RM200.

(Annual Fee)

If you are looking for a card that not only offers dining benefits, but also rewards on overseas spends, this card is ideal for you. Additionally, you also get access to selected airport lounges and travel insurance coverage when you buy your air tickets using the card.

Key Benefits:

  • Earn 3x Reward Points when you use your card for dining out.
  • Earn 6x Reward Points when you carry out overseas retail transactions.
  • Earn 3x Reward Points for transactions carried out during weekends.
  • Earn 1x Reward Points for all other retail spends.
  • Get access to Plaza Premium lounges in KLIA and KLIA2.
  • Stay protected with travel insurance coverage of up to RM1.7 million.
  • Enjoy 24/7 concierge services.
Additional Points Description
How to Use It
  • Use your Hong Leong Sutera Platinum Mastercard to dine and for overseas transactions to earn Reward Points.
  • Redeem the accumulated Reward Points on dining vouchers, lifestyle items, and with frequent flyer programmes of selected airlines.
  • You can also redeem the Reward Points to offset your card’s annual fee.
Good about It
  • The minimum credit limit of this card is RM12,000.
  • The annual fee is waived for the first year for both the principal and the supplementary cardholders.
  • You can enjoy high rewards for dining and overseas spends.
Keep in Mind
  • You can enjoy an annual fee waiver if you swipe your card once in 45 days from the date your card was issued.
  • Access to airport lounges is for the first 250 Hong Leong Sutera Platinum cardholders.
  • You won't earn any Reward Points for government-related payments and JomPAY-related transactions.

Who Should Get It:

  • Food aficionados and frequent shoppers.

CIMB World Mastercard

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

50% off selected restaurants in Malaysia, Indonesia, and Singapore.

(Dining Offers)

15% p.a. to 18% p.a.

(Interest Rate)

Principal card: Waived for life.

Supplementary card: Waived for life.

(Annual Fee)

Enjoy exclusive dining offers when you use the CIMB World Mastercard for eating out. You will also get benefits on golfing, travelling, and others. With the reward points offered with the card, you can also enjoy redeem different items and vouchers from the rewards catalogue.

Key Benefits

  • Enjoy up to 50% off when dining at selected restaurants in Malaysia, Indonesia, and Singapore.
  • Get exclusive offers and privileges on dining at a number of restaurants.
  • Get 2 Bonus Points for every RM1 that you spend on overseas retail transactions.
  • Travel without worry with up to RM1 million travel insurance coverage when you book flight tickets with the card.
  • Get support for your travel-related issues with the CIMB Premier Travel Desk.
Additional Points Description
How to Use it
  • Reserve a table at any of the participating restaurants.
  • Enjoy up to 50% off when you use the CIMB World Mastercard.
  • Use the credit card for your local and overseas transactions, and get reward points.
  • Redeem the points for dining and other vouchers, items, and frequent flyer miles from the bank's catalogue.
Good About it
  • Enjoy 1 Bonus Point for every RM1 spent locally.
  • Enjoy access to a number of privileges with the WORLD Mastercard programme.
  • Resolve all your travel and card-related issues with the help of the World Mastercard Concierge Service.
  • Enjoy special prices on one-way or return premium rides from or to KLIA/KLIA2. The offer is valid only in the Klang Valley area.
Keep in Mind
  • The card has a minimum income requirement of RM90,000 p.a.
  • If you lose your card, you will be charged replacement fee of RM10 for the first card, and RM50 for every other replacement card.

Who Should Get it?

  • Frequent diners looking for exclusive offers when eating out.
  • Travellers.

Maybank 2 Gold Cards

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

Up to 50% when dining at SPG Hotels and Resorts.

(Dining Offers)

15% p.a. to 18% p.a.

(Interest Rate)

Principal card: Waived for life.

Supplementary card: Waived for life.

(Annual Fee)

Get reward points on a host of transactions with the Maybank 2 Gold Cards. With these cards, you will get the benefit of American Express and Visa or Mastercard.

Key Benefits

  • Offers at SPG Hotels and Resorts
    • 50% discount on the dining bill when there are two diners.
    • 40% discount on the dining bill when there are three to 10 diners.
  • Earn 5x TreatsPoints for every RM1 spent with the Maybank 2 American Express Card, both locally and overseas.
  • Get 1x TreatsPoints for every RM1 spent with the Maybank 2 American Express Card at educational institutions, utilities, insurance providers, and the Maybank 0% EzyPay Instalment Plan.
Additional Points Description
How to Use It
  • Pay with any of the cards when dining at SPG Hotels and Resorts.
  • Get 50% off when there are two diners, and 40% off when there are three to 10 diners.
  • Use the cards for all your local and overseas expenses.
  • Get up to 5x TreatsPoints when you use the American Express card for local and overseas transactions.
  • Pay with the American Express card on weekends and get 5% cashback.
  • Use the Maybank 2 Mastercard/Visa credit card and get 1x TreatsPoints for local and overseas transactions.
  • Redeem the reward points for items, vouchers, and air miles from the bank’s rewards catalogue.
Good About It
  • No annual fees for life on the cards.
  • Get 1x TreatsPoints when you spend RM1 with the Maybank 2 Mastercard/Visa card in Malaysia and overseas.
  • Earn 5% weekend cashback when you spend with the Maybank 2 American Express card.
Keep in Mind
  • The dining offer at SPG Hotels and Resorts is applicable when you use the American Express card only.
  • There are no TreatsPoints for the following transactions: Maybank EzyPay Plus, Maybank EzyCash, Cash Advance, Balance Transfer, and Cash Treats.
  • Refund amounts, disputed, unauthorised, and fraudulent transactions will not eligible for TreatsPoints.
  • Payment of annual fees, late payment fees, interest charges, cash advance fees, and other miscellaneous fees are not considered for reward points.
  • The 5x TreatsPoints on the Maybank 2 American Express Card is limited to a cap of RM500 for petrol transactions. You will get 1x TreatsPoints for every RM1 spent above RM500.
  • There is a cap of RM50 on the weekend cashback offer.

Who Should Get It

  • Those who like eating out.
  • People looking for rewards points on a variety of transactions.

Citi PremierMiles Visa Card

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

Up to 45% off dining bills at selected Malaysian restaurants.

(Dining Offers)

15% p.a. -18% p.a.

(Interest Rate)

Principal Card: RM600 p.a.

Supplementary Card: Waived for life.

(Annual Fee)

Get a number of travel benefits when you use the Citi PremierMIles Visa credit card. Enjoy travel, dining, and golfing privileges when you use the card.

Key Benefits

  • Get up to 45% off at selected Malaysian restaurants with the Citi World Privileges programme.
  • Earn 1 PremierMIle for every RM3 spent locally, and 2 PremierMiles for every RM3 spent overseas. The benefit is applicable for selected hotel and airline partners as well.
  • Get an additional 10,000 PremierMiles every year on successful payment of the annual fee.
  • Enjoy unlimited complimentary access to airport lounges located in Kuala Lumpur, Kuching, Penang, and Kota Kinabalu.
  • Get special benefits at over 900 hotels, ranging from automatic room upgrades, complimentary room Wi-Fi and breakfast, late checkout and other benefits.
  • Enjoy a complimentary ride home from KLIA when you shop overseas for a minimum of three times.
  • Travel without worry with travel inconvenience coverage of up to RM32,000, and accident coverage of RM300,000.
  • Pay conveniently with Samsung Pay contactless services.
  • 1,500 PremierMiles can be exchanged for 1,000 air miles.
Additional Points Description
How to Use It
  • Use the card to book flight tickets, and make retail transactions.
  • Enjoy reward points on every transaction.
  • Redeem the points for special vouchers, items and air miles.
  • Enjoy discounts on dining with the Citi World Privileges Programme.
  • Get a host of travel benefits when you book tickets with the card.
Good About It
  • Transfer the air miles to a variety of loyalty programmes from world-renowned airlines and hotel chains.
  • You can bring a guest with a 50% discount on the entry fees at the selected airport lounges as specified above.
  • Pay for certain retail transactions with your PremierMiles with some Instant Rewards merchants.
  • For any medical emergencies overseas, you can get medication up to RM50,000.
Keep In Mind
  • You can redeem the card’s annual fee with 30,000 PremierMiles.
  • The accident coverage is meant for overseas emergencies only and has a coverage of a maximum of 30 days.
  • The airline partners which are eligible for earning PremierMiles are AirAsia, Malaysian Airlines, Cathay Pacific, and Singapore Airlines. You need to log in to the website and book tickets online to earn the air miles.
  • The hotel partner websites which are eligible for earning PremierMiles are Agoda.com, Expedia.com, Airbnb.com, and Traveloka.com.

Who Should Get It

  • Frequent flyers.
  • Foodies and food bloggers.

Public Bank Quantum Mastercard Credit Card

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

5% cashback on dining transactions.

(Dining Offers)

15% p.a. -18% p.a.

(Interest Rate)

Principal card: Waived for life.

Supplementary card: Waived for life.

(Annual Fee)

Get the benefits of both reward points and cashback with the Public Bank Quantum Mastercard Credit Card. You can pay through flexible repayments and other benefits with this card.

Key Benefits

  • Enjoy 5% cashback on all dining and online payments.
  • Get 1x VIP Points for other local retail transactions.
  • Enjoy 2x VIP Points for other overseas retail transactions.
  • Pay conveniently with the Mastercard PayPass contactless payment facility.
  • Get a purchase protection plan for your online purchases of up to USD200 under the e-Commerce Purchase Protection plan.
Additional Points Description
How to Use It
  • Use the credit card for all your dining expenses.
  • Enjoy 5% cashback with each bill.
  • Get 1x VIP Points for local dining expenses, and 2x VIP Points when you dine overseas.
Good About It
  • Pay conveniently through instalments of 12 months, and at 0% interest, when you spend more than RM1,200 with the card.
  • Maintain peace of mind about the security of your payments with the Chip & PIN payment facility.
  • For any card-related issues, you will get support from the World Help Desk by calling 03-2176 8333.
Keep in Mind
  • The 5% cashback is capped at RM30 per month.
  • The VIP Points will expire after three years.

Who Should Get It

  • Frequent diners.
  • Those who frequently shop online.
  • Overseas travellers.

How to Choose the Best Dining Credit Cards?

If you think finding the best dining credit card is a cakewalk, you couldn’t be further from the truth. What works for you may not work for another credit card user. For this reason, it’s important that you know your spending habits and lifestyle needs.

You need to find a card whose benefits are in line with your spending habits. This way, you'll be able to get the maximum value from using your card. Before zeroing in on a particular card, it’s important that you compare all your options.

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.

Review

Out of all the dining cards mentioned above, the one that stands out is AmBank BonusLink Visa Signature Card. The card offers 10x BonusLink Points for dining. Also, you earn 2 sets of BonusLink Points when you carry out a single transaction at any of the BonusLink partner outlets. Additionally, you earn rewards for groceries, entertainment, fuel purchases at Shell Petrol, purchases at Parkson, as well as for online and retail purchases. When you earn rewards on these categories, you can accumulate a lot of BonusLink Points and redeem them on selected items.

Illustration

Let’s take an example and see how the card works. Assume that you have spent a total of RM3,000 in one month. Out of which, you have spent RM300 on local dining, RM500 in online purchases, RM1,200 on overseas expenses, and RM1,000 on other local spends.

Type of Transaction Amount Spent Cashback Rewards Rate Total Returns
Local Dining RM300. 5% x RM300= RM15. - Total Cashback = RM40. Total VIP Points= 3,400 VIP Points.
Online Purchases RM500. 5% x RM500= RM25. -
Overseas Expenses RM1,200. - 2 x RM1,200 = 2,400 VIP Points.
Local Spends RM1,000. - 1 x RM1,000= 1,000 VIP Points.

By spending RM800 on dining and online purchases, you are eligible for a cashback of RM40. However, with a cashback cap of RM30 each month, you will earn only RM30 in that month. By spending another RM2,200 on overseas and local expenses, you will earn 3,400 VIP Points. Thus, you get the benefit of both cashback and reward points.

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*Terms & Condition to get Gift Card Worth RM200 from Lazada or Ikea

Apply for your new credit card through BBazaar and stand a chance to win a gift voucher on approval. You can get a gift card worth RM200 from either Ikea or Lazada. The offer is valid on credit card applications made between 19 December 2018 and 31 January 2019, and applies to any of the following cards.

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Win an Ikea voucher worth RM500 when you apply and get approval for a new credit card through BBazaar. The exclusive deal is valid from 19 December 2018 to 31 January 2019, and is applicable when you apply for any of the following credit cards.

Alliance Bank Credit Cards Citibank Credit Cards Standard Chartered Credit Cards
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