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.
Cashback up to RM100/month on category of your choice
15 - 18% p.a.
Earn 10 times Reward Points when you dine overseas
15 - 18% p.a.
Up to 50% off on food and beverages at Shangri-La Hotel, Kuala Lumpur
RM800; Free for the first year
50% discount on dining at SPG Hotels & Resorts for two diners
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.
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.
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.