Best Dining Credit Cards in Hong Kong: Dine Smart, Save Smart

Best Dining Credit Cards in Hong Kong: Dine Smart, Save Smart

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 Hang Seng MMPOWER World Mastercard offers up to 5.4% 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

😎MoneySmart Credit Card Comparison💳
Best Miles Credit Card Best Airport Lounge Credit Card Best Dining Credit Card Best Online Shopping Credit Card
Best Cashback Credit Card Best Supermarket Credit Card Best No Annual Fee Credit Card Best Octopus AAVS 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
HKD1,000 5,000
HKD5,000 15,000
HKD40,000 40,000
HKD100,000 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.

Standard Chartered logo
MoneySmart Exclusive
Miles Conversion(Eligible spending on Cathay and HK Express)
HK$2=1 mile
Miles Conversion (Eligible spending on dining, online and overseas category)
HK$4 = 1 mile
Bank Welcome Offer
63,000 miles
MoneySmart Exclusive:

[Limited Time Offer]
Apply for Standard Chartered Cathy Mastercard - Priority Private now via MoneySmart to get an extra HK$900 PARKnSHOP supermarket vouchers or HK$900 Apple Store Gift Card or JBL SOUNDGEAR SENSE Headphone  (Retail price: HK$1,299)!

Valid until 29 Feb 2024

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.

Citibank logo
2% foreign currency rebate
Minimum Income Requirements
HK$120,000
Cash back on local spend
2%
Cash back on overseas spend
2%

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.

China CITIC Bank International logo
MoneySmart Exclusive
Min. Annual Salary
HK$96,000
Cash Back on Dining, Online and Foreign Currency Spending
6%
Annual Fee Wavier
First-Year
MoneySmart Exclusive:

【MoneySmart Exclusive】Customer apply for CNCBI Motion Credit Card now via MoneySmart to get an extra HK$300 PARKnSHOP Supermarket Voucher / Apple Store Gift Card / Trip.com e-voucher!



【Welcome Offer】From now till 29 February 2024, New customers can enjoy Welcome Offer, 10% Cash Rebate on spending in foreign currencies (include RMB) made with the CNCBI Motion Credit Card in the first 3 months starting from the card issuance month Or Enjoy HK$600 Cash Rebate with accumulated spending of HK$6,000 in the first 2 months from the card issuance month.

6% cash rebate on Dining and Online Spending all-year round, no minimum spending requirement!

Valid until 29 Feb 2024

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.

DBS logo
MoneySmart Exclusive
Min. Annual Salary
HK$360,000
Rebate on designated spending categories
5%
Rebate on other retail spending
1%
MoneySmart Exclusive:

From now until 29 February 2024, apply for designated cards through MoneySmart(DBS Eminent Card/ DBS Live Fresh/ DBS Compass Visa)successfully to get HK$200 Apple Store Gift Card or HK$200 Klook Gift Card or HK$200 ParknShop Voucher! 

Valid until 29 Feb 2024

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
HSBC logo
Bank Promo
Min. Annual Salary
HK$360,000
RewardCash Rebate
Up to 3.6%
Miles Conversion (local spend)
HK$2.78 = 1 Mile

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!

Hang Seng Bank logo
Get 6% +FUN Dollars on overseas spending
Annual fee
Perpetual annual fee waiver
+FUN Dollars rebate on selected spending categories
6%
+FUN Dollars rebate on Online Retail Transaction
5%

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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