Are you a foodie? Do you fancy dining at popular restaurants and food carts out there? If so, Dining Credit Cards should be your go-to option. Besides giving you huge discounts on food and hotel bookings, these cards also offer a variety of other benefits including cash rebates, reward points, and flexi payment plans for your other retail purchases.
Compare Dining Credit Cards In Malaysia
|Card Name||Benefits||Annual Fee||Interest Rates|
|AmBank Visa Infinite||Complimentary Hilton Premium Club Membership Card||Free||15 - 18% p.a.|
|Hong Leong WISE Credit Card||Cashback up to RM100/month on category of your choice||RM265||15 - 18% p.a.|
|HSBC Premier World MasterCard||Earn 10 times Reward Points when you dine overseas||Free||15 - 18% p.a.|
|Maybank 2 Cards Premier||Up to 50% off on food and beverages at Shangri-La Hotel, Kuala Lumpur||RM800; Free for the first year||15 - 18% p.a.|
|Maybank 2 Gold Card||50% discount on dining at SPG Hotels & Resorts for two diners||Free||15 - 18% p.a.|
|HSBC Visa Signature Card||Get Cash Vouchers that can be used at various restaurants||RM636||15 - 18% p.a.|
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?
A dining credit card isn’t very different from a regular credit card in the way it works. What makes it stand out is the fact that it gives a whole host of offers and benefits in the dining and hotel sector. From 1-to-1 dining deals at star-rated hotel chains to attractive discounts at popular restaurants, these cards are your best friend when you want to dine in style at an affordable price.
How Do You Choose The Best Dining Credit Card?
Once you figure out how a dining credit card works, finding the best one should be relatively simple. To begin with, figure out what you spend on mostly and how the dining credit card will help you cover these expenses.
Then, compare the annual fees, the interest rate, and all other associated fees and charges. Next, work out the best offers across a wide range of dining cards and see which particular card offers you the best value.
You should be at least 21 years old to apply for most dining credit cards in Malaysia. You should also have a steady source of income to cover for the minimum income requirement that most issuing banks have in place. This minimum income requirement can be monthly or annual and it depends on the issuing bank, the type of card, and its features as well as benefits.
How Do You Apply For A Dining Credit Card?
If you have less time on your hands, you could visit the bank’s website and fill out the online application or request form. Alternatively, you could visit the bank’s nearest branch and initiate the application process if you wish to do things in person. You could also get in touch with the bank’s customer service team for assistance with your credit card application.
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.