• 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 1st July 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

    Up to 10% cashback on dining spends

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

    RM195

    5x points on dining spends

    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

    10% cashback on dining spends

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

    RM300

    50% discount on dining spends

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

    Waived for life

    5% discount on dining spends

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

    RM160

    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.

    Citi Cash Back Platinum Credit Card

    As the name suggests, the Citi Cash Back Platinum Credit Card allows you to get back a part of what you spend every month on dining as cashback. You can also earn unlimited cashback on other retail transactions.

    Key Benefits:

    • Earn 10% cashback on dining, petrol, groceries, and Grab rides.
    • SGet 0.2% unlimited cashback on other retail transactions.
    • Cashback amount is credited into your account automatically.
    • Enjoy exclusive deals and offers at participating merchant outlets in Malaysia with Citi World Privileges.
    Additional Points Description
    How to Use It
    • Use your Citi Cash Back Platinum Credit Card for payments whenever you’re dining out.
    • Pay for all other retail purchases with this credit card to earn more points.
    Good about It
    • No limit on the amount of cashback you can earn every month on other retail spends.
    • Get discounts on health care services at participating KPJ specialist hospitals.
    • Get 24/7 Personal Concierge services.
    Keep in Mind
    • To be eligible for 10% cashback, your monthly spend should be RM1,500 or more.
    • Monthly limit for 10% cashback on dining is RM15.
    • 0.2% unlimited cashback is applicable if your monthly spend is less than RM1,500.

    Who Should Get It:

    • Those who wish to save on dining transactions.
    • Those who wish to save on petrol, groceries, and Grab rides.

    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.

    HSBC Premier World Mastercard Credit Card

    The HSBC Premier World Mastercard Credit Card has the potential to be your ideal payment partner, whether you’re in Malaysia or overseas. From dining transactions to hotel room spends, you can earn multiple Reward Points with every swipe.

    Key Benefits:

    • Earn 10x Reward Points for every RM1 spent on overseas dining and hotel room transactions.
    • Get 8x Reward Points for every RM1 spent at The Gardens Mall and Mid Valley Megamall.
    • Earn 5x Reward Points for every RM1 spent on local dining and hotel room transactions.
    • Get 5x Reward Points for every RM1 spent on air fares and all retail spends made at participating malls throughout Malaysia.
    • Get 1x Reward Points on all other retail spends.
    Additional Points Description
    How to Use It
    • Use the HSBC Premier World Mastercard Credit Card for all your dining and hotel room spends.
    • This card can also be used for other retail purchases made locally and overseas.
    Good about It
    • Redeem Reward Points you’ve earned for dining offers, gifts, and other exclusive privileges.
    • Enjoy 6x complimentary access to selected Plaza Premium Lounges in Malaysia, Singapore, and Hong Kong.
    • Get complimentary travel insurance cover of up to RM750,000.
    • Get 24/7 Mastercard Global Concierge Services.
    Keep in Mind
    • The maximum cumulative limit for 10x points that you can earn 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.
    • Pay the full cost of your flight tickets with this credit card for complimentary travel insurance coverage.

    Who Should Get It:

    • Those who dine out regularly and want to earn points on local as well as overseas dining transactions.
    • Frequent travellers.

    Hong Leong WISE Platinum Card

    The Hong Leong WISE Platinum Card lets you earn cashback on multiple categories. Most retail transactions such as dining, groceries, petrol, and shopping are eligible for the cashback.

    Key Benefits:

    • Get 10% cashback on multiple retail categories.
    • Enjoy up to maximum RM100 cashback each month.
    • Choose your preferred category to earn cashback.
    • Switch the categories any time to suit your needs.
    Additional Points Description
    How to Use It
    • Use the Hong Leong WISE Platinum Card for local and overseas dining expenses.
    • Use your card to pay for all other retail expenses.
    Good about It
    • High rate of cashback on multiple categories.
    • Flexibility to switch categories at any time.
    Keep in Mind
    • High-rate cashback is applicable only for minimum monthly spend of RM2,000 and above.
    • The annual income requirement is RM60,000.

    Who Should Get it:

    • Those who want to save money on various retail expenses.
    • Those who dine out frequently.

    AmBank Visa Infinite Credit Card

    The AmBank Visa Infinite Credit Card offers high rate of discount on dining at participating outlets. You can earn rewards points on your other expenses as well.

    Key Benefits:

    • Enjoy up to 50% discount on dining at participating Hilton Hotels across Malaysia, China, and Thailand.
    • Earn 5x AmBonus Points on all your overseas expenses.
    • Enjoy privileged access to Plaza Premium Lounges at over more than 26 international airports.
    • Get up to 10% discount on hotel room rates at participating Hilton Hotels in Malaysia, China, and Thailand.
    • Redeem your rewards points for air miles with more than 50 airline partners.
    • Enjoy complimentary travel insurance of up to RM2 million.
    • Enjoy an annual fee waiver for life on the principal card.
    Additional Points Description
    How to Use It
    • Use the AmBank Visa Infinite Credit Card to pay for all your dining expenses.
    • Use this card for any overseas transactions to earn rewards points.
    Good about It
    • Annual fee for the principal credit card is waived for life.
    • High rate of discount on dining expenses at Hilton Hotels.
    • Complimentary travel insurance worth up to RM2 million.
    • Rewards points for all overseas expenses.
    Keep in Mind
    • No rewards points for online transactions.
    • Discount on dining is subject to a minimum annual spend of RM30,000.

    Who Should Get It:

    • All those who prefer to dine and stay at Hilton Hotels across Asia
    • Those who travel and shop overseas frequently.

    Mach Credit Card

    You can get special discount of up to 5% when you use your Mach Credit Card to pay for dining transactions. You can also earn cashback on various other retail transactions.

    Key Benefits:

    • Enjoy 5% discount on all your dining expenses.
    • Earn up to 10% cashback on multiple purchases under various categories.
    • Choose and switch between 12 retail categories to meet your current lifestyle needs.
    • Get an annual fee waiver for life with a minimum of 12 swipes each year.
    • Choose from three different packages based on your lifestyle.
    Additional Points Description
    How to Use It
    • Use the Mach Credit Card for all overseas and local dining expenses.
    • Pay for other retail expenses with this card.
    • Choose a package that suits your spending needs.
    Good about It
    • Annual fee waiver for using your card at least 12 times each year.
    • Flexibility to choose a package that lets you earn high rate of cashback.
    Keep in Mind
    • The discount on dining is only available for the trendsetter package.
    • Cashback rate is based on each package and is available only on that specific package.

    Who should Get It:

    • Those who wish to save on their dining expenses.
    • Those who love to travel and shop frequently.

    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
    Citi Cash Back Platinum Credit Card Up to 10% cashback on dining spends
    Standard Chartered Visa Platinum Credit Card 5x points on dining spends
    HSBC Premier World Mastercard 10x Reward Points on overseas dining spends
    Hong Leong WISE Platinum Card 10% cashback on dining spends
    AmBank Visa Infinite Credit Card 50% discount on dining spends
    Mach Credit Card 5% discount on dining spends

    Looking for More

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