Hands up if you’re a foodie! Hands up again if you wanna know how to keep on spoiling your taste buds without breaking your bank! You should save down this blog post to get to know about all dining credit card promotions, welcome offers, and year-round perks of cash rebates and air miles. Some cards like HSBC Visa Signature offers up to 3.4% cash rewards when you spend on selected categories, or the Standard Chartered Cathay Mastercard offers a mile rewards at a rate as low as HK$4 per mile.
Interested in learning more about the hottest dining credit cards? Read on to find out more!
Table of contents: Best dining credit cards
- Standard Chartered Cathay Mastercard: Earn HK$4/mile for dining spending
- Citi Cash Back Card: Dining credit with hotel buffets cash rebates
- CNCBI Motion Credit Card: dining credit card with 6% cash back
- DBS Eminent Visa Signature Card: dining credit card with 5% cash back
- HSBC Visa Signature: dining credit card with 3.6% cash back
- Hang Seng MMPOWER World Mastercard: 1% dining +FUN Dollars Rebate
- MoneySmart tips: Make sure you can repay with dining credit cards
- Summary of the dining credit cards
Standard Chartered Cathay Mastercard: Earn HK$4/mile for dining spending
Standard Chartered Cathay Mastercard offers HK$4/mile for dining, online, or overseas spending—the lowest rates of air miles in town! Air miles will be automatically deposited into the “Asia Miles” account every month, and no mileage conversion fee will be charged. Check out the following to find out the air mile rates table:
| Eligible Spending Categories | Miles per HK$ Spent |
|---|---|
| Cathay flight tickets, shopping, bookings with Cathay Holidays, HK Express flight tickets, duty free items | HK$2/mile |
| Dining/food delivery platform, online, overseas categories | HK$4/mile |
| Other categories spent in HK$ | HK$6/mile |
There’s more for all the foodies. With the Standard Chartered Cathay Mastercard, you can now enjoy 15% off your lunch or dinner at EAST Hong Kong and a 10% miles discount on both dining bills at any Cathay partner restaurants and designated rewards
Air miles welcome offers
New cardholders of Standard Chartered Cathay Mastercard can earn up to 60,000 Asia Miles when they reach a certain spending threshold within the first 2 months of opening the account. Here are the details:
| Accumulated Eligible Transactions In First 2 Months | Asia Miles Rewards |
|---|---|
| HK$1,000 | 5,000 |
| HK$5,000 | 15,000 |
| HK$40,000 | 40,000 |
| HK$100,000 | 60,000 |
Details:
- Low mile rate of HK$4/mile for spending on dining, overseas online transactions
- Welcome miles offers are available if certain spending is reached
- Annual salary requirement: HK$96,000
Editor’s review
The Standard Chartered Cathay Mastercard takes the cake for having the lowest mileage rate (HK$4/mile). You can easily turn your dining spending into another flight ticket without having to pay any conversion fees. However, beware that come October 2023, Cathay Pacific is changing the rules of the game, so some flights may cost more miles to redeem. Check out Cathay Pacific Asia Miles Revamps Mileage Redemption for more details.
- Miles Conversion(Eligible spending on Cathay and HK Express)
- HK$2=1 mile
- Miles Conversion (Eligible spending on dining, hotels and overseas category)
- HK$4 = 1 mile
- Bank Welcome Offer
- 60,000 miles
【 ✈️ Travel with CX Card & Jollying Pebble Suitcase! 🧳】
From now until 2 January 2025, new cardholders who successfully apply for Standard Chartered Cathy Mastercard now via MoneySmart to get Denon PerL AH-C10PL True Wireless In-Ear Headphones (Value: HK$1,580) or POLAROID Go Instant Camera (Value: HK$999) or Jollying Pebble 20" Foldable Suitcase (Value: HK$899) or HK$800 Deliveroo Voucher + 12-month Deliveroo Plus Silver Membership Package (Value: HK$1,526) or HK$900 Apple Store Gift Card or HK$900 PARKnSHOP supermarket vouchers or HK$900 HKTVmall e-Vouchers.
Citi Cash Back Card: Dining credit with hotel buffets cash rebates
The Citi Cash Back Card allows you to earn cash rebates without much hassle. You can immediately receive a 2% cash rebate on local dining, local hotel, online, and overseas spending, and a 1% cash rebate on other spending in HKD and e-wallet transactions. Additionally, the cash rebates are unlimited for year-round spending, so you can earn as much as you spend!
Details:
- 2% rebate on local dining, hotel, online, and overseas spending
- No cap on monthly rewards
- Annual salary requirement: HK$120,000
| Credit Card | Cash Rebate Rate | Monthly Reward Cap | Max. Monthly Spending with Rewards |
|---|---|---|---|
| Citi Cash Back Card | 2% | No cap | no cap |
Editor’s review
If you’re a newbie to rebates and miles, the Citi Cash Back Card is the perfect choice for hassle-free cash rebates. Just keep the card in your wallet and use it to pay for your dining bill to get a 2% cash rebate with no cap on monthly spending. It’s the easy choice for those who don’t want to deal with the fuss of calculating maximum monthly spending or dealing with complicated rewards programs.
- Annual Fee
- First Year Annual Fee Waiver
- Rebate on Overseas Spending & Local Dining
- Unlimited 2%
- Rebate on Local Spending
- Unlimited 1%
Extended!【🔥Exclusive Rewards Return with a BANG: Up to HK$3,399】
From now until 23 December 2024, New Customers who successfully applied for a designated Citi credit card via MoneySmart with an eligible spending of HK$4,000 after card issuance, can enjoy one of the exclusive rewards:
・[⚡️Limited-time Upgrade Offer!] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・BERMAS Spaceship Luggage 2.0 Suitcase (29inch) (Value: HK$3,399) or
・Bowers & Wilkins Pi7 S2 In-ear True Wireless earbuds (Value: HK$3,380) or
・De'Longhi ECOV311 Icona Vintage Series Pump-driven Espresso Coffee Machine (Value: HK$3,288) or
・YA-MAN HRF-10T RF Beauté Photo PLUS (Value: HK$3,180)!
CNCBI Motion Credit Card: dining credit card with 6% cash back
The CNCBI Motion Credit Card may not be well-known in the dining field, but it offers a 6% rebate on dining spending that won’t disappoint. Keep in mind that the monthly cap is HK$200, so the maximum eligible spending for such rebates is HK$3,333 per month.
Details:
- Restaurant and online shopping payment: Up to 6% cash rebate (Monthly rebate limit: HK$200)
- 10% rebate on foreign currency spending
- Annual Income Requirement: HK$40,000
| Credit Card | Cash Rebate Rate | Monthly Reward Cap | Max. Monthly Spending with Rewards |
|---|---|---|---|
| CNCBI Motion Credit Card | 6% | HK$200 rebate | HK$3,333 |
Editor’s review
With a 6% rebate on dining spending, the CNCBI Motion Credit Card is a tempting choice for foodies. However, keep in mind that the monthly rebate is capped at HK$200, which means you’ll only earn this high rebate if you spend up to HK$3,333 on dining each month. If you’re a budget-conscious foodie who wants to save some money on dining out, the CNCBI Motion Credit Card might be worth considering.
- Min. Annual Salary
- HK$96,000
- Cash Back on Dining, Online and Foreign Currency Spending
- 6%
- Annual Fee Wavier
- First-Year
【MoneySmart Exclusive】
Customer apply for CNCBI Motion Credit Card via MoneySmart and complete accumulate spending amount of HK$100 within first 30 days to get an extra JBL Smart Speaker Link 20 (Value: HK$1,699) / Samsung Galaxy Buds FE (Value: HK$898) / HK$600 PARKnSHOP Supermarket Vouchers / Apple Store Gift Card / HKTVmall e-Vouchers!
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【Welcome Offer】
From now till 2 January 2025, New Cardholders can enjoy Welcome Offer choose 1 from 2:
1. 10% Cash Rebate on spending in foreign currencies made with the CNCBI Motion Credit Card in the first 3 months starting from the card issuance month OR
2. HK$600 Cash Rebate with accumulated spending of HK$6,000 in the first 2 months from the card issuance month.
DBS Eminent Visa Signature Card: dining credit card with 5% cash back
DBS Eminent Visa Signature Card offers a 5% cash back on selected spending categories: Dining, Fitness Clubs, Sportswear and Medical services. Plus, You can also get 1% rebate on other retail spending. Don’t forget the exclusive dining offers for DBS Eminent Visa Signature Card.
Exclusive dining offer
| Hotel | Discount Rate |
|---|---|
| Hyatt Regency Hong Kong, Tsim Sha Tsui | 15% off |
| Hyatt Regency Hong Kong, Sha Tin | 10% off |
| The Peninsula Hong Kong | 10% off |
| Harbour Plaza 8 Degrees Café 8 Degrees | Up to 30% off |
| Classified | 25% off |
| Da Filippo Trattoria | 20% off |
| Gateway Hotel Three on Canton | 15% off |
| Marco Polo Hongkong Hotel Cafe Marco | 15% off |
| Conrad Hong Kong | Up to 10% off |
| JW Marriott Hotel Hong Kong | Up to 10% off |
| Amelia Hong Kong | HK$200 off |
Details:
- Monthly cap is at HK$400 for 5% rebate on designated categories and HK$200 for other retail spending.
- Visa Signature special dining offers
- Annual salary requirement: HK$360,000
| Credit Card | Cash Rebate Rate | Monthly Reward Cap | Max. Monthly Spending with Rewards |
| DBS Eminent Visa Signature Card
|
6% | HK$400 rebate | HK$8,000 |
| 1% | HK$200 rebate | HK$20,000 |
Editor’s review
The DBS Eminent Visa Signature card is a standout in the dining credit card world for its exclusive dining offers at major local hotel cafes and restaurants. With a reasonable monthly reward cap, this card is worth considering for frequent visitors to those hotels who love to dine out.
- Min. Annual Salary
- HK$360,000
- Rebate on designated spending categories
- 5％
- Rebate on other retail spending
- 1%
From now until 31 December 2024, customers who successfully apply for DBS Eminent Visa Platinum Card / DBS Eminent Visa Signature Card via MoneySmart, can enjoy an extra 2,000 SmartPoints and free to redeem HK$200 vouchers (over 20+ brand vouchers including Apple / HKTVmall/ Trip.com etc). Click here to explore limitless possibilities (T&C applied)!
HSBC Visa Signature: dining credit card with 3.6% cash back
With up to 3.6% cash rebates or HK$2.78/mile on dining spending, you can indulge in all your favorite meals without breaking the bank. And don’t forget about the “Red Hot Dining” hotel offer, which gives you exclusive discounts subject to change every few months. So go ahead and treat yourself to that fancy dinner – the HSBC Visa Signature has got you covered!
Details:
- “Red Hot Offers” gives extra 3x RewardCash in the 6 categories
- 15% discount at Cafe, Hugo’s and The Chinese Restaurant at Hyatt Regency Hotel Tsim Sha Tsui
- The Mira Hong Kong: enjoy special dining and spa discount
- Soundwill Plaza & Soundwill Plaza II Midtown: up to HK$150 Dining and Lifestyle vouchers
- Annual salary requirement: HK$360,000
- Min. Annual Salary
- HK$240,000
- RewardCash Rebate
- Up to 3.6%
- Miles Conversion (local spend)
- HK$2.78 = 1 Mile
【MoneySmart Exclusive Offer: Get 12 Months of Deliveroo Plus Silver Membership and a Cash Voucher for Free】
By December 31, 2024, successfully apply for the Visa Gold Card / Visa Signature Card / Visa Platinum Card through MoneySmart and submit the rewards redemption form, you can earn an additional 12 months of Deliveroo Plus Silver membership and a cash voucher redemption code (valued at HK$726) within 14 days after the promotion ends! (Limited offer, first come first served, while stocks last)! Terms and conditions apply.
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【Limited Online Flash Welcome Offer】
From now to 31 December 2024, Register and apply online for an eligible HSBC Credit Card and complete the Registration Form to earn one of the extra welcome offers. (Choose either 1, fulfilled by HSBC)
1.KOIZUMI Ion balance hair dryer KHD-9910(Suggested retail price: HK$600)
2.KOIZUMI Negative Ions Straight Iron World-wide voltage KHS-8710 (Suggested retail price: HK$600)
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New credit card customers can enjoy up to $800 RewardCash. Earn extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan, bringing the total value of the rewards to up to HK$1,000!
Hang Seng MMPOWER World Mastercard: 1% +FUN Dollars rebate for dining
Hang Seng MMPOWER World Mastercard offers the 1% cash rebates if you spend on the dining spending category. When you first apply for the credit card, you can select 2 out of 3 spending categories:
- Dining
- Electronics
- Entertainment
If you choose Dining and pay your dining bill with the MMPOWER credit card, you can enjoy 1% +FUN Dollars cash rewards immediately. What’s more? You can also get the a 6% for foreign currency and 5% +FUN Dollars rebate on online spending.
What is +FUN Dollars?
+FUN Dollars are rewards that can be used like cash at over 7,400 designated merchant outlets in Hong Kong.
Details:
- 1% +FUN Dollars rebate on selected spending category
- 5% +FUN Dollars rebate on online spending
- 6% +FUN Dollars rebate on travel and foreign currency
- Annual salary requirement: HK$150,000
- Maximum monthly rewards cap is at $500 +FUN Dollars
| Credit Card | Monthly Reward Cap | Max. Monthly Spending with Rewards |
|---|---|---|
| Hang Seng MMPOWER World Mastercard | $500 +FUN Dollars | HK$16,000 |
Editor’s review
The Hang Seng MMPOWER World Mastercard offers 1% cash rewards for dining spending rebates. Also, it’s important to note that the rewards come in the form of +FUN Dollars, rather than instant cash rebates. This means the rewards can be redeemed for merchant coupons or used to pay off credit card statements. The maximum monthly spending eligible for rewards is up to HK$16,000, so that won’t be a problem for all your dining spending!
MoneySmart tips: Make sure you can repay with dining credit cards
These cards may attempt you to swipe everywhere, but keep in mind the following to be smart on credit cards!
Beware of the dining categories
Some credit cards that specialize in dining do not offer rebates for certain large expenses, such as hotels, banquet services, private cocktail parties, and private events. Additionally, dining services in shopping malls, associations, and clubs might not be included as well.
Beware of the maximum monthly rebates
For some credit cards, you can only know how much actual cashback you earn after reaching certain cashback amount. Take Citi Cash Back Visa Card as an example, you can only receive your rebates once it’s $200.
Always remember to pay your bills on time
If your penalty is more than your cashback, your hard work will lose its original purpose.
Summary of the dining credit cards
| Credit Card | Cash Rebate Rate | Maximum Monthly Cap |
|---|---|---|
| Hang Seng MMPOWER World Mastercard | 1% | 500+FUN DOLLAR |
| Standard Chartered Cathay Mastercard | HK$4/mile | N/A |
| Citi Cash Back Card | 2% | No cap |
| CNCBI Motion Credit Card | 6% | HK$200 |
| DBS Eminent Visa Signature Card | 5% | HK$400 |
| HSBC Visa Signature | 3.6% | N/A |
I understand that you may be hungry, but let’s not rush to apply for just any credit card! Here is a brief summary of the credit cards mentioned to help you find the best fit for your dining experience.
- Citi Cash Back Card: Get a 2% cash rebate on local dining spending, local hotel spending, and online spending. Plus, enjoy a HK$200 Lei Garden cash coupon when you spend HK$2,000 or more. There is no minimum spending required for year-round cash rebates.
- Hang Seng MMPOWER World Mastercard: Receive up to 1% cash rewards when you spend on selected categories, including dining, electronic nd entertainment. You can also enjoy a 5% +FUN Dollars cash rebate on online spending.
- Standard Chartered Cathay Mastercard: Earn HK$4/mile for dining, online, or overseas spending. You can also enjoy 15% off lunch or dinner at EAST Hong Kong and a 10% miles discount on both dining bills at any Cathay partner restaurants.
- CNCBI Motion Credit Card: Get up to 6% cash back on dining, with a monthly rebate limit of HK$200.
- HSBC Visa Signature: Earn up to 3.6% cash rebates or HK$2.78/mile with no minimum spend on dining. You can also enjoy 1-for-1 lunch sets at select restaurants and access to Red Hot Offers.
Frequently asked questions: Best dining credit cards
What is the cash rebate rate for the Citi Cash Back Card?
The cash rebate rate for the Citi Cash Back Card is 2% for local dining spending, local hotel spending, and online spending.
What is the cash rebate rate for the Hang Seng MMPOWER World Mastercard?
The cash rebate rate for the Hang Seng MMPOWER World Mastercard is 1% for selected categories, including dining, electronics, and entertainment.
How much cash back can you earn with the CNCBI Motion Credit Card for dining spending?
With the CNCBI Motion Credit Card, you can earn up to 6% cash back on dining spending, with a monthly rebate limit of HK$200.
What is the cash rebate rate for the DBS Eminent Visa Signature Card?
The DBS Eminent Visa Signature Card offers a 5% cash back on selected spending categories, including dining, fitness clubs, sportswear, and medical services.
How much cash back can you earn with the HSBC Visa Signature Card for dining spending?
With the HSBC Visa Signature Card, you can earn up to 3.6% cash back or HK$2.78/mile on dining spending, with no minimum spend requirement.
Related articles
Looking for more foodie guides to satisfy your cravings? MoneySmart has got you covered with their articles on the best rooftop bars and top Korean restaurants in Hong Kong. Whether you’re looking for a stunning view to have a sip with friends or some delicious Korean BBQ, these guides will have you covered. Check them out and take your taste buds on a journey!
Wanna stay ahead of the herd? Let’s check out the MoneySmart blog for more financial tips!
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