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    Dining Credit Cards

    Your food adventures don’t have to heavy on your pocket; they can be rewarding too! With the right dining credit card, you can add value to all your food expenditures. Check out the options below, compare, and apply for one that meets your needs.

    We found 8 Dining Credit Cards
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    Rewards
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    RM500 IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    BBazaar Exclusive Deal
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    RM200 Lazada Voucher or IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    BBazaar Exclusive Deal
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    RM500 IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    BBazaar Exclusive Deal
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    RM200 Lazada Voucher or IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    RM200 Lazada Voucher or IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    BBazaar Exclusive Deal
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    Credit Card BYTES FROM OUR KITCHEN

    BBazaar Exclusive Deals for Credit Card

    Gift Card Worth RM200 from either Ikea or Lazada

    *Click Here to Check Terms & Condition

    Ikea voucher worth RM500

    **Click Here to Check Terms & Condition

    Dining credit cards offer rewards or cashback with every transaction you make at restaurants, hotels, cafes, and other dining outlets. Additionally, they also come with a range of other privileges, including exclusive deals and discounts on shopping, entertainment, and travel. Take a look at some of the best restaurant credit cards in Malaysia.

    Compare Dining Credit Cards In Malaysia

    Card Name
    Cashback/Reward Points Earned
    Dining Benefits of the Card
    Annual Fees
    Know More

    5x Bonus Points for overseas spends.

    1x Bonus Point for all other retail spends.

    (Cashback/Reward Points Earned)

    5x Bonus Points for dining.

    Up to 50% dining discounts when you dine in Malaysia.

    Hotel dining privileges from participating hotel partners.

    (Dining Benefits of the Card)

    Principal card: No charges.

    Supplementary card: No charges.

    (Annual Fees)

    3x Reward Points for overseas retail spends.

    2x Reward Points for utility and insurance bill payments.

    2x Reward Points for shopping.

    1x Reward Points for all other retail spends.

    (Cashback/Reward Points Earned)

    5x Reward Points for dining during the cardholder’s birthday month.

    3x Reward Points for dining.

    (Dining Benefits of the Card)

    Principal card: RM200.

    Supplementary card: No charges.

    (Annual Fees)

    6 BonusLink Points for every RM10 spent overseas.

    3 BonusLink Points for every RM10 spent locally.

    10x BonusLink Points for selected category spends.

    (Cashback/Reward Points Earned)

    10x BonusLink Points for the dining category.

    (Dining Benefits of the Card)

    Principal card: RM550.

    Supplementary card: RM300.

    (Annual Fees)

    6x Rewards Points for overseas spends.

    3x Rewards Points for local weekend spends.

    1x Rewards Point for all other retail spends.

    (Cashback/Reward Points Earned)

    3x Rewards Points for dining all day.

    (Dining Benefits of the Card)

    Principal card: RM400.

    Supplementary card: RM200.

    (Annual Fees)

    5% cashback for online transactions.

    2x VIP Points for other overseas retail spends.

    1x VIP Point for other local retail spends.

    Up to 10% cashback on selected categories.

    0.2% cash rebate on all other categories.

    (Cashback/Reward Points Earned)

    5% cashback for dining.

    5% cashback for dining (Trendsetter Package).

    (Dining Benefits of the Card)

    Principal card: No charges.

    Supplementary card: No charges.

    Principal card: RM160.

    Supplementary card: RM80.

    (Annual Fees)

    10x Reward Points for overseas hotel room spends.

    8x Reward Points when you shop at Mid Valley Megamall and The Gardens Mall.

    5x Reward Points for airline ticket purchases and rooms at local hotels.

    5x Reward Points at local participating malls nationwide.

    1x Rewards Points on all other retail spends.

    (Cashback/Reward Points Earned)

    10x Reward Points for overseas dining.

    5x Reward Points for local dining at participating merchant outlets.

    (Dining Benefits of the Card)

    Principal card: No charges.

    Supplementary card: No charges.

    (Annual Fees)

    10% cash back on Grab rides, petrol purchases, and grocery purchases.

    0.2% cash back on all other retail purchases.

    (Cashback/Reward Points Earned)

    10% cash back on dining.

    (Dining Benefits of the Card)

    Principal card: RM120.

    Supplementary card: RM60.

    (Annual Fees)

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

    Features And Benefits Of Dining Credit Cards

    • Get up to 50% discount when you dine at select restaurants.
    • Get premium membership privileges such as discounts at luxury hotels like Hilton, etc. when you dine alone or with guests.
    • Get attractive cashback offers when you spend on dining.
    • Get reward points when you spend on dining in Malaysia or overseas.
    • Get complimentary night stays at hotels across the country.

    How Do Dining Credit Cards Work?

    Dining cards are those which provide rewards or cashback when you dine locally or overseas. Most dining cards also provide rewards on other transactions as well. For instance, RHB Platinum Credit Card gives you rewards when you pay utility bills and insurance premiums with the card. It also offers rewards for other local and overseas retail spends. Some cards also come with deals on shopping, travel, entertainment, and leisure.

    To understand the working mechanism of a dining card, let’s take the example of Hong Leong Sutera Platinum Card. Let’s say you have spent RM3,000 a month for local and overseas spends as well as for dining and other spends.

    Type of Transaction Amount Spent Rewards Earned Total Rewards Points Accumulated
    Local Weekend Spends RM800 2,400 Rewards Points 10,600 Rewards Points
    Overseas Purchases RM800 4,800 Rewards Points
    Dining RM1,000 3,000 Rewards Points
    Other Retail Spends RM400 400 Rewards Points

    By looking at the table you will have an idea how the Rewards Points can be accumulated. With a total spend of RM3,000 made with various types of transactions), you can earn 10,600 Rewards Points. These points can be redeemed for gifts as well as for hotel and dining vouchers.

    Reward Schemes/Cashback

    You will get any of the following reward schemes and cashback when you spend using a dining card:

    • Rewards or cashback when you carry out local and overseas retail transactions.
    • Exclusive dining and hotel privileges from participating partner hotels and restaurants.
    • Membership benefits from Visa or Mastercard.
    • Complimentary travel insurance when you charge the full airfare using your card.

    Advantages of Dining Credit Cards

    When you opt for a dining card, you get exclusive deals and offers whenever and wherever you dine. You will be able to save a lot of money by making the best use of these rewards and cashback privileges.

    Most cards also offer exclusive deals and discounts on dining. You need to go through the available promotions of your card so that you can utilise these offers the next time you visit your favourite restaurant.

    How Do You Choose the Best Dining Credit Card?

    Compare all the available cards that offer exclusive privileges or promotions for dining. Sometimes a card may come with a cap when you dine. So, you need to check how you can make the best use of your card.

    You will come across credit cards that give you the option to choose your own spend category (like Mach Credit Card and AmBank BonusLink Visa Signature Card). When you are given the option, you can choose dining as one of your preferred categories to earn rewards/cashback.

    See whether the cards come with other benefits as well. Some cards also provide travel insurance, exclusive lounge access at participating airports, golf privileges, concierge services, to name a few. Compare the available cards and select one as per your requirements. Don’t forget to check if you are eligible to apply for these cards.

    How to Make the Most of Your Dining Credit Card

    Make the most of your dining credit card by using it whenever you dine. Check your card’s ongoing offers at participating dining outlets and use it to enjoy the benefits. Some cards offer extra points on the weekends, while some offer cashback on selected days. Keep a tab on these minute details to save more on the delicacies you order.

    Lost Card and Overseas Assistance

    If you have lost or misplaced your card, you need to notify the bank immediately. Each bank has their own customer care or contact centre which will answer queries, usually 24/7. You can also visit the bank’s nearest branch to report a lost card. Once the bank receives your query, they will block your card immediately. You will be issued a replacement card, which is usually around RM25. Some banks charge more if you are requesting a replacement more than once.

    If you have plans to travel overseas, it is recommended to let the bank know of your plans. Most banks have a hotline number for international queries.

    Eligibility Criteria to apply for Dining Credit Cards

    Card Name Income Requirement Age Requirement(Principal cardholder) Age Requirement(Supplementary cardholder)
    CIMB Visa Infinite Credit Card RM120,000 p.a. 21 years 18 years
    RHB Platinum Credit Card RM48,000 p.a.
    AmBank BonusLink Visa Signature Card RM80,000 p.a.
    Hong Leong Sutera Platinum Card RM60,000 p.a.
    PB Quantum Mastercard RM36,000 p.a.
    Mach Credit Card RM24,000 p.a.
    Citi Cash Back Credit Card RM36,000 p.a.
    HSBC Premier World Mastercard  

    Only HSBC premier account holders can apply for the HSBC Premier World Mastercard by maintaining a minimum RM200,000 balance with the HSBC Bank.

    Documents Required To Apply For Dining Credit Cards

    Type of Applicant Documents Required
    Employed Professionals
    • 1 MyKad copy
    • Latest 3 months’ payslips
    • Employment confirmation letter
    • Latest EPF statement
    Self-employed Professionals
    • 1 MyKad copy
    • Latest EPF statement
    • Latest 6 months’ bank statement
    • Business Registration Certificate.
    Expatriates
    • 1 passport copy
    • Valid work permit
    • Letter from employer confirming employment

     

    Dining Promotions

    • Enjoy 50% off lunch and dinner (only food) at Bistro 160 on Saturdays. This is an ongoing promotion that is valid until 31 March 2019. You can use your AmBank BonusLink Visa Signature Card or any other AmBank card to make use of this promotion. The promotion is applicable to dine-in only.
    • Get a discount of 15% on food and beverages at Q Cup Cafe when you use your Hong Leong Sutera Platinum card. This is an ongoing promotion that is valid until 31 August 2019.
    • Get a discount of 10% on the total bill when you spend RM60 and above at Beyond Veggie with your CIMB credit card. This is an ongoing promotion that is valid until 31 July 2019. The promo is limited to 1 redemption per card and is only valid for a la carte dine-in.
    • Enjoy exclusive offers when you use your HSBC credit card to dine at Lemon Garden Cafe, Shangri-La Hotel, Kuala Lumpur. This is an ongoing promotion that is valid until 30 January 2019. The following offers are available:
      • Enjoy a discount of 50% on the total food bill on Mondays.
      • Enjoy a discount of 30% on the total food bill from Tuesdays to Fridays.

    Conclusion

    Use your dining credit card whenever you visit a restaurant and hotel to make the best use of it. Apart from rewards/cashback for dining, you can also earn rebates and points when you carry out local and overseas retail transactions. If you have a dining rewards card, you can redeem the rewards for gift vouchers. You can take a look at some of the latest dining promotions available in Malaysia.

    FAQs on Dining Credit Cards

    Q. Do the cashback earned on  cards come with a capping?

    A. Most of the dining cashback cards come with a capping. When you use your PB Quantum Mastercard, the 5% cashback earning for dining spends is capped at RM30 per month. For Mach Credit Card, you can earn up to RM100 per package every quarter (including dining spends). For Citi Cash Back Credit Card, the 10% cash back is capped at RM10 per category.

    Q. Are there dining credit cards that offer both cashback and rewards?

    A. Usually, credit cards offer either cashback or rewards for dining spends. However, there are cards like PB Quantum Mastercard, which offer cashback for dining and rewards for all other retail spends.

    Q. Are the reward points valid for life?

    A. While some credit cards offer rewards points that are valid for a number of years, some are valid for life. Take a look at the expiry date of the rewards cards of some dining cards:

    • CIMB Visa Infinite Credit Card: Valid for three years.
    • RHB Platinum Credit Card: Valid for life.
    • AmBank BonusLink Visa Signature Card: Valid for three years.
    • Hong Leong Sutera Platinum Card: Valid for three years.
    • HSBC Premier World Mastercard: Valid for three years.

    Q. Do all dining cards offer travel insurance?

    A. Since dining cards are designed to offer rewards/cashback when you dine out, not all come with travel-related benefits. However, there are cards like Hong Leong Sutera Platinum that come with travel insurance coverage when you pay the full airfare using your card.

    Q. What are the other perks offered for dining credit cards?

    A. The other perks and privileges will differ from card to card. While some cards come with travel-related benefits and golf privileges, some offer rewards/cashback when you carry out insurance payments and online transactions.

    Q. Are there any terms or conditions associated with dining card benefits?

    A. Most offers associated with dining credit cards involve a minimum spend at the participating hotel or restaurant and a limit on the number of guests per bill. So, before you wish to use any promotional offer or exclusive benefit, be sure to check the fine print thoroughly.

    Q. Are the cards’ benefits available any day of the year?

    A. No. Each dining outlet may define their own blackout days when the benefits of the card aren’t applicable. You can check the blackout dates with the bank that issues the dining card.

    Q. Can I use a dining credit card to book my flight tickets?

    A. Yes. You can use a dining credit card to book your flight tickets, in addition to using it for paying dining bills. But you may not receive the same level of benefits such as cashback or reward points when using dining cards for other retail expenses.

    Q. Can I use a dining card to pay for liquor when I am dining at a restaurant? Does it provide any benefit?

    A. This depends on the card and the merchants the card has tie-ups with. While some cards may offer discounts at select outlets on only food and non-alcoholic beverages, other cards may offer discounts on liquor purchases as well.

    Q. Can I use my Islamic dining card for alcohol spends?

    A. All Islamic credit cards are Shariah-compliant and are only applicable for halal transactions. As alcohol spends are non-halal in nature, your Islamic card won’t even be valid for the transaction.

    *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.

    Alliance Bank Credit Cards Citibank Credit Cards Standard Chartered Credit Cards
    • Alliance Bank You:nique Rebate Credit Card
    • Alliance Bank You:nique Rewards Credit Card
    • Alliance Bank You:nique Rates Credit Card
    • Citi Cash Back Card
    • Citi Clear Card
    • Citi Simplicity+ Card
    • Shell-Citi Credit Card
    • Standard Chartered JustOne Platinum MasterCard
    • Standard Chartered Visa Platinum
    • Standard Chartered Platinum MasterCard Basic
     

    **Terms & Condition to Win an Ikea Voucher Worth RM500

    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
    • lliance Bank Visa Infinite Credit Card
    • Alliance Bank Platinum Credit Card
    • Citi Prestige Card
    • Citi PremierMiles Visa Card
    • Citi Cash Back Platinum Card
    • Citi Rewards Visa Signature Card
    • Standard Chartered Priority Banking Visa Infinite Credit Card
    • Standard Chartered WorldMiles World MasterCard
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