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  • Best Dining Credit Cards of 2018

    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.

    Here are the Best Dining Credit Cards in Malaysia 2018

    Updated on 4th September 2018

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

    5x Rewards Points on dining spends

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

    RM100 for every Rewards Category you subscribe to

    Get up to 50% discount on dining at participating restaurants

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

    Waived for the first year; RM800 from the second year onwards

    5x points on dining spends

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

    Waived for life

    Up to 6% cashback on dining

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

    Waived for life

    10x Reward Points on overseas dining spends

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

    Waived for life

    5% discount on dining expenses

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

    RM160

    10% cashback on dining expenses

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

    RM300

    Best Credit Cards for Dining

    Citi Rewards Platinum Credit Card

    Whether you’re in the mood for premium ice cream or authentic Japanese cuisine, the Citi Rewards Platinum Credit Card lets you earn multiple reward points on all your dining spends. All you have to do is ensure that you’re subscribed to the “Entertainment” Rewards category.

    Key Benefits:

    • Earn 5x Citi Rewards Points for every RM1 spent on dining at partnering merchant outlets.
    • Earn 1x Citi Rewards Points for every RM1 spent on other categories.
    • Get 20,000 Citi Rewards Points on spending a minimum of RM2,000 within 60 days of the approval date.
    Additional Points Description
    How to Use It
    • Use your Citi Rewards Platinum Credit Card to pay all your dining bills.
    • Subscribe to other Rewards categories to earn the same number of points.
    Good about It
    • Pay only for Rewards categories that you’ve subscribed to according to your lifestyle needs.
    • Citi Rewards Points can be redeemed for instant rewards at partner outlets or for vouchers, flight tickets, and gifts on the Rewards catalogue.
    • Use Citi Rewards Points to offset purchases that you’ve already made with your card.
    Keep in Mind
    • No minimum limit for the number of Citi Rewards Points that can be redeemed.
    • The monthly limit to earn 5x Citi Rewards Points is RM1,000.
    • Once you reach the monthly limit, earning potential will drop to 1x Citi Rewards Points.

    Who Should Get It:

    • Those who want to be rewarded for dining out frequently.
    • Those who wish to earn accelerated Rewards Points on dining and other retail spends.

    Maybank 2 Cards Premier Credit Card

    The card lets you earn reward points on various categories. You can also get benefits on dining-related expenses across hotels and restaurants in Malaysia.

    Key Benefits:

    • Get up to 50% discount on food and beverage at Shangri-La Hotel, Kuala Lumpur.
    • Get up to 50% discount at all SPG Hotels & Resorts in Malaysia.
    • Enjoy up to 20% discount on beverages at Arthur’s Bar & Grill.
    • Earn 5 TreatsPoints on every RM1 spent locally as well as overseas.
    Additional Points Description
    How to Use It
    • Use the credit card for dining at any participating restaurants across the country.
    • Use the card to earn and later redeem the TreatsPoints for Enrich Miles/KrisFlyer Miles/Asia Miles.
    Good about It
    • Complimentary travel insurance cover worth RM2 million.
    • TreatsPoints on education, EzyPay, and insurance-related transactions.
    Keep in Mind
    • Dining benefits are accessible only at the participating outlets.
    • Blackout dates are applicable for the dining discounts that are available on the card.
    • You need to charge your flight ticket to the card to get the travel insurance.

    Who Should Get It:

    • Those who dine out regularly.
    • Those who travel frequently.

    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.

    RHB World Mastercard Credit Card

    The card offers dining, travelling, as well as petrol privileges across the world. It also comes with an annual fee waiver for life. Golf and lounge privileges are also a part of the card’s offerings.

    Key Benefits:

    • Get up to 6% cashback on local dining, travel, and petrol expenses.
    • Enjoy up to 2% cashback on overseas dining, and travel expenses.
    Additional Points Description
    How to Use It
    • Use the card for your travelling, petrol, and dining expenses to earn cashback.
    • Spend at least RM1,000 on the card every month to be eligible for the cashback.
    Good about It
    • Get on the spot approval for the credit card via Instant Credit Card Service.
    • Enjoy 5x complimentary access to the Plaza Premium Lounges in Malaysia.
    • Other categories offer unlimited cashback.
    Keep in Mind
    • The cashback on dining is provided as per the minimum amount spent on the card in a month.
    • Cashback provided for domestic spend is capped at RM30 per month.
    • Cashback on your overseas expenses is capped at RM100.

    Who Should Get It:

    • Those who travel internationally.
    • Those who spend frequently on retail transactions.

    HSBC Premier World Mastercard Credit Card

    This credit card is offered exclusively to the HSBC Premier Account holders with minimum RM 200,000 in total relationship balance with the bank.

    Key Benefits:

    • Enjoy 10x Reward Points on your overseas room and dining expenses.
    • Earn 8x Reward Points at Mid Valley Megamall and The Gardens Mall.
    • Get 5x Reward Points on flight ticket purchases, local hotel spends for rooms and dining, and expenses at more than 30 participating malls across Malaysia.
    Additional Points Description
    How to Use It
    • Use this card to purchase your airline tickets and participating malls nationwide to earn Reward Points.
    • Use the credit card for any other expenses to earn 1x Reward Points.
    Good about It
    • Enjoy 6 complimentary visits to Plaza Premium Lounge located at Singapore Changi Airport, Hong Kong International Airport, and Kuala Lumpur International Airport.
    • Get unlimited complimentary Wi-Fi through Boingo across 1 million hotspots around the world.
    • Enjoy an Automatic Flight and Travel Accident takaful cover of up to RM750,000.
    Keep in Mind
    • The maximum cumulative limit for 10x points that can be earned in a month is 20,000 Reward Points.
    • The maximum cumulative limit for 8x points that you can earn in a month is 9,000 Reward Points.
    • The maximum cumulative limit for 5x points that you can earn in a month is 9,000 Reward Points.

    Who Should Get it:

    • Those who travel frequently.
    • Those who spend regularly on local and overseas dining.

    Mach Credit Card

    You can enjoy dining and shopping discounts with this credit card. It also offers you discounts and other benefits when your purchase from selected airlines, hotels, and booking websites.

    Key Benefits:

    • Get 5% cash rebate on dining transactions at participating outlets under Trendsetter Package.
    • Switch between 12 different categories as per your convenience.
    • Enjoy an annual fee waiver for life.
    Additional Points Description
    How to Use It
    • Use the card at participating restaurants such as McDonald’s, Nando’s, Sushi King, etc., to earn cash rebates.
    • Use the card to select the cash rebate category as per your lifestyle requirements.
    Good about It
    • Annual fee waived on using your card at least 12 times in a year.
    Keep in Mind
    • The discount rate on dining is only applicable for the trendsetter package.
    • Cashback rate depends upon every package and is available only on that specific package.

    Who Should Get It:

    • Those who spend on dining regularly.
    • Those who shop and travel frequently.

    Hong Leong WISE Platinum Card

    The Hong Leong WISE Platinum Card lets you enjoy 10% cashback all year round on your dining transactions. You also get cashback returns as high as RM100 every month.

    Key Benefits:

    • Save big on your dining and other expenses with 10% cashback on your chosen categories every month, all through the year.
    • Select new categories to receive cashback on whenever you need and still get 10% cashback on these selections.
    • Get high cashback returns up to RM100 every month on the categories you have chosen.
    Additional Points Description
    How to Use It
    • Use the Hong Leong WISE Platinum Card to pay for your dining experiences.
    • Use this card for mobile, pharmacy, grocery, petrol, departmental, bookstore, utility, entertainment, and travel expenses as well.
    Good about It
    • 10% cashback all through the year on various categories.
    • Easy category switching to suit your lifestyle needs.
    • Cashback returns as high as RM100 every month.
    Keep in Mind
    • To receive cashback, you will have to spend a minimum of RM2,000 in retail transactions in a calendar month.
    • The maximum cashback you will receive on this card is RM100.
    • Cashback is only eligible for the categories you have chosen, not all the available categories.
    • Cashback for the chosen categories is only valid at participating merchants or outlets that fall under the merchant category code.

    Who should Get It:

    • Diners who eat at various dining outlets frequently.
    • Those who spend frequently at retail stores or pay their bills.

    How to Choose the Best Dining Credit Cards?

    If you think finding the best dining credit card is a cakewalk, you couldn’t be more 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.

    Thereafter, 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 and gauge all your options.

    Once you’ve decided your best dining credit card, remember to go through all the terms and conditions so you’re aware of how it works and what charges you’ll need to pay at every step.

    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 Rewards Platinum Credit Card 5x Rewards Points on dining spends
    Standard Chartered Visa Platinum Credit Card 5x points on dining expenses
    Hong Leong WISE Platinum Card 5x points on dining spends
    Maybank 2 Cards Premier Credit Card Get up to 50% discount on dining at participating restaurants
    RHB World Mastercard Credit Card Up to 6% cashback on dining
    HSBC Premier World Mastercard Credit Card 10x Reward Points on overseas dining spends
    Mach Credit Card 5% discount on dining expenses

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