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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.

    Best Credit Cards for Dining

    BBazaar's Best Dining Credit Cards in Malaysia 2018

    Updated on 7th November 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
    HSBC Premier World Mastercard Credit Card 10x Reward Points on overseas hotel room and dining expenses
    Maybank 2 Cards Premier Credit Card 50% discount on dining at Shangri-La Hotel, Kuala Lumpur and other restaurants
    RHB Platinum Credit Card Up to 5x points on dining expenses
    Citi Cash Back Credit Card Up to 10% cash back on dining expenses
    CIMB Visa INFINITE Credit Card 5x Bonus Points on dining expenses

    Here are the Best Dining Credit Cards in Malaysia 2018

    Updated on 7th November 2018

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

    Rewards Points on dining spends

    (Dining Offers)

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

    (Interest Rate)

    RM100 for every Rewards Category you subscribe to

    (Annual Fee)

    10x Reward Points on overseas hotel room and dining expenses

    (Dining Offers)

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

    (Interest Rate)

    Waived for life.

    (Annual Fee)

    points on dining spends

    (Dining Offers)

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

    (Interest Rate)

    Waived for life

    (Annual Fee)

    Up to 5x points on dining expenses

    (Dining Offers)

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

    (Interest Rate)

    RM200 for the principal card. Waived for the supplementary card.

    (Annual Fee)

    50% discount on dining at Shangri-La Hotel, Kuala Lumpur and other restaurants

    (Dining Offers)

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

    (Interest Rate)

    RM800 for the principal card.

    Waived for the second year and onwards with a minimum spend of RM80,000 p.a.

    Waived for life for up to 4 supplementary cards.

    (Annual Fee)

    Up to 10% cash back on dining expenses

    (Dining Offers)

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

    (Interest Rate)

    RM120 p.a. for principal card.

    RM60 p.a. for supplementary card.

    (Annual Fee)

    5x Bonus Points on dining expenses

    (Dining Offers)

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

    (Interest Rate)

    Waived for life.

    (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.

    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.

    HSBC Premier World Mastercard Credit Card

    The card is available for HSBC Premier members, who have RM200,000 as relationship balance with the bank. It offers a number of offers and privileges on dining, shopping, among others.

    Key Benefits:

    • Get up to 10x Reward Points on overseas hotel room and dining spends.
    • Enjoy 5x Reward Points on dining at local hotels and participating malls.
    • Get complimentary access to Plaza Premium Lounges.
    • Pay 3% upfront fees and 0% interest for balance transfer.
    Additional Points Description
    How to Use It
    • Use the card when going out for dinner and other shopping spends.
    • Collect 5x Rewards Points on local dining and 10x Rewards Points on international dining spends.
    • Redeem the Rewards Points for vouchers and items from the bank catalogue.
    Good about It
    • Get 5x Reward Points on airline ticket purchases, and when booking rooms in local hotels.
    • Enjoy 8x Reward Points at The Gardens Mall and Mid Valley Megamall.
    • Get 1x Reward Points on all other spends.
    • Be connected with unlimited WiFi through 1 million Boingo hotspots spread over the world.
    • Get access to the SmartPrivileges programme.
    Keep in Mind
    • The 10x Reward Points have a cap of 20,000 Reward Points per month for international accommodation and dining spends.
    • The 8x and 5x Reward Points have a cap of 9,000 Reward Points per month for local spends on travel, dining, and malls.

    Who Should Get It:

    • Those looking for a card that will help them save more on dining and shopping.
    • Those who use their card while travelling.

    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 Platinum Credit Card

    The card lets you earn reward points on all retail transactions. It allows you a number of privileges and perks in travel. Let’s look at some of the benefits available with the card.

    Key Benefits:

    • Enjoy 5x Reward Points on dining expenses in your birthday month.
    • Get 3x reward points on dining and overseas retail expenses.
    • Enjoy 25% discount on walk-in rates at all Plaza Premium Lounges in Malaysia and 20% discount on other Plaza Premium Lounges located worldwide.
    • Travel without worry with an insurance coverage of RM600,000.
    • Enjoy preferred rates of interest at the RHB Bureau-de-Change outlets at airports in Malaysia.
    Additional Points Description
    How to Use It
    • Choose to pay with the RHB Platinum Credit Card when making payments for shopping, dining, travel, and other expenses.
    • Earn Reward Points on all transactions.
    Good about It
    • Special privileges on green fee charges at selected golf clubs of Malaysia.
    • Get your annual fees waived with a minimum expense of RM24,000 per annum.
    • RHB Reward Points are redeemable for air miles, exchanged at the rate of 500 Enrich Miles for every 5,500 points.
    Keep in Mind
    • You need to have a minimum income of RM48,000 p.a. to apply for the card.
    • The card provides a minimum and maximum limit of RM8,000 and RM500,000 respectively.

    Who Should Get It:

    • If you are looking for a good dining card, and also looking forward to some shopping benefits.
    • Those who travel frequently.

    Maybank 2 Cards Premier Credit Card

    The card offers great dining benefits at select restaurants in Malaysia. You get the advantages of both American Express and Visa with the cards.

    Key Benefits:

    • Enjoy up to 50% discount on dining at Shangri La Hotel.
    • Get up to 50% discount on dining at Arthur's Bar & Grill, Lemon Garden Café, and Shang Palace, Zipangu.
    • Enjoy up to 50% savings on dining at SPG Hotels and Resorts.
    • Travel comfortably with complimentary access to Plaza Premium Lounges at local and international airports.
    Additional Points Description
    How to Use It
    • Use the card for your dining expenses.
    • Get great discounts at leading restaurants in Malaysia.
    • Earn reward points for certain transactions and redeem them for vouchers and items from the bank catalogue.
    • Enjoy complimentary travel insurance and airport lounge access when booking flight tickets with the card.
    Good about It
    • Protect your travel with insurance of up to RM2 million.
    • Enjoy 20% off food and beverages and 10% off liquor at Lobby Lounge Lafite, Arthur's Bar & Grill.
    • Get access to golf clubs around the world.
    • Enjoy 1x TreatsPoints for spends at educational institutions, insurance providers, utilities and 0% EzyPay services.
    Keep in Mind
    • You need an annual income of RM120,000 in order to be eligible for the card.
    • The offers on dining are valid till 31 December 2018, and are only available on the American Express Platinum Cards.

    Who Should Get it:

    • If you are looking for a card which offers discounts on dining at many restaurants in Malaysia.

    Citi Cash Back Credit Card

    You can save on your spends by getting cash back on dining, groceries, fuel expenses, and Grab rides. You can also get unlimited cash back on other expenses.

    Key Benefits:

    • Earn 10% cash back on local dining expenses.
    • Enjoy unlimited 0.2% cash back on all other expenses.
    • Get access to exclusive offers and benefits for certain merchants with Citi World Privileges.
    Additional Points Description
    How to Use It
    • Use the card for dining and other expenses in Malaysia.
    • Enjoy discounts and privileges at over 24,000 restaurants, hotels, retail outlets, boutiques, golfing resorts, and others under the Citibank World Privileges programme.
    Good about It
    • Get 10% cash back on local fuel transactions, Grab rides, and when buying groceries.
    • Get a credit limit of RM450,000 on the card.
    • No upper limit cap on the 0.2% cash back category.
    Keep in Mind
    • The 10% cash back is applicable when the monthly expense is RM1,000.
    • The  cap for the 10% cash back is capped at RM10 for dining and each of the other categories.

    Who Should Get It:

    • If you use your card frequently for shopping and dining.
    • If you want to save on fuel, groceries, and Grab rides with your card.

    CIMB Visa INFINITE Credit Card

    Get rewarded for all your local and overseas transactions with the CIMB Visa INFINITE Credit Card. Earn bonus points and get discounts on a variety of transactions with no annual fees on the card.

    Key Benefits:

    • Get 5x Bonus Points when you dine overseas.
    • Enjoy 1x Bonus Points on all other spends.
    • Get 8x access to Plaza Premium airport lounges.
    • Get 50% off dining in Malaysia.
    Additional Points Description
    How to Use It
    • Use the card for your local and international spends.
    • Enjoy reward points, discounts, and other offers at selected merchants.
    • Get a complimentary travel insurance cover when you book flight tickets with the card.
    Good about It
    • Enjoy 5x Bonus Points on overseas spends.
    • Travel safe with an insurance of RM1 million.
    • Get instant redressal for any issues with the dedicated CIMB Premier Travel Desk.
    Keep in Mind
    • You can renew the complimentary airport lounge access offer for the next year when you spend RM100,000 p.a.
    • You need to have a minimum income of RM120,000 p.a. in order to be eligible for the card.

    Who should Get It:

    • If you are looking for privileges on dining, shopping, and other spends with your card.

    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

    Among the cards that have been reviewed above, the HSBC Premier World Mastercard Credit Card gives great returns on your dining spends. You would earn 10x Reward Points on international and 5x Reward Points on local dining spends. You get to earn high reward points on flight ticket booking, accommodation, and shopping with the card. The card would also allow you to get access to HSBC SmartPrivileges Programme and Premium Privileges programme by Mastercard. Let’s look at the illustration below to better understand the benefits that you get from the card.

    Illustration

    The cashback structure for the HSBC Premier World Mastercard Credit Card is as follows:

    Type of Expense Reward Points Offered Reward Points Cap
    Overseas hotel room reservations and dining 10x 20,000
    Spends at The Gardens Mall and Mid Valley Megamall 8x 9,000
    Airline ticket purchases, local hotel room reservations and dining, local malls 5x 9,000
    All other spends 1x -

    Let’s assume that you have spent RM5,000 on airline ticket purchases, RM2,000 on hotel booking at a location overseas, and another RM1,000 on overseas dining. The Rewards Points that you would earn is 55,000 Reward Points. But with a cap on the Rewards Points, you would get 29,000 Reward Points on your spends.

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