Dining Credit Cards in Hong Kong 2025
Updated: 5 Dec 2025
Compare the top dining credit cards in Hong Kong offering cashback, discounts, or miles on restaurant spending, cafés, bars, and food delivery apps like Foodpanda and Deliveroo. With the right card, you can save on every meal while enjoying exclusive welcome offers.
Why Trust MoneyHero
Card | Card Benefit | Cashback DInning | ||
|---|---|---|---|---|
 | Citi Cash Back Card | 1 - 2 % | 2 % | |
 | CNCBI Motion Credit Card | 0.4 - 10 % | 6 % | |
 | DBS Eminent Visa Platinum Card | 2 - 5 % | 5 % | |
 | PrimeCredit WeWa Visa Signature Card | 0.4 - 6 % | - | |
 | Standard Chartered Cathay Mastercard | $2 - 6 per mile | Not Applicable | |
 | American Express® Platinum Credit Card | $2.5 - 5 per mile | 1 % |
Cashback - Dining
2 %Minimum Annual Income
HK$ HK$
120,000Card Benefit
1 - 2 % cashbackApply through MoneyHero and choose from 8 premium rewards:
- Dining rebate
- Overseas rebate
- Unlimited rebate
- High-priced welcome gifts
Repayment Details
Minimum Payment: a. The total of all the current month’s interest, annual fee, late charge, past due amount, other fees and charges if any; and b. 1.5% of the statement balance (excluding item a, where applicable); and c. 1.5% of the unbilled principal of the Loan (as defined in Terms and Conditions for Citi Credit Card "Quick Cash" Installment Program and Terms and Conditions for Citi Credit Card "Flexi-Installment" Program) (where applicable)
Late Payment Charge: HK$300
Interest Free Period: 58 days
Fees
Annual Fee: HK$1,800
Foreign Currency Transaction Fee: 1.95 %
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$120,000
Key Features
- Most suitable for customer who has big spending in short period
- Earn the welcome offer with a cost-free strategy by using e-wallet transactions (PayMe / Alipay HK) which count towards the welcome spending requirement
- Clear requirement of Welcome Gift. Auto cash rebate with no cap. Cash rebate will be used to settle the outstanding balance of the statement.
- 2% rebate on local dining spending
- 2% rebate on local hotel spending
- 2% rebate on spending in foreign currency
- 1% unlimited rebate on other spending
- Rebate will be credited to the eligible card account on the following statement of account when the accumulated rebate balance reaches HK$200 or above and be used to settle the outstanding balance as well as new purchases excluding the Minimum Payment Due.
- Purchase Protection Insurance
- Purchases will be insured against any damages or loss for up to US$7,600 within 30 days of purchase.
- First year annual fee waiver
- The MoneyHero Exclusive Offer does not apply to student cards
- Welcome offers and MoneyHero exclusive offer are only applicable to customers who currently do not hold, have not cancelled or have not held any principal card of Citi Credit Card within the past 12 months from the month of application for the Eligible Card ("New Customer").
- Transactions made at any merchant in the European Economic Area are not entitled to 2% foreign currency cash rebate
- Eligible Foreign Currency Transactions exclude card-present transactions made by Cardholders at any merchant with physical premises, address of the fixed place of business or business license in any country participating in the European Economic Area (EEA) or joining after 19 October 2020. 1% Basic Cash Rebate will be awarded to card-present transactions made at merchants in the EEA.
Cashback - Dining
6 %Minimum Annual Income
HK$ HK$
96,000Card Benefit
0.4 - 10 % cashbackApply through MoneyHero and choose from 8 premium rewards:
You’ll also receive the following welcome gift(s) directly from the bank:
- Dining rebate
- Online shopping rebate
- Annual Fee waiver
Repayment Details
Interest Free Period: 57 days
Late Payment Charge: HK$300 or amount equal to the Minimum Payment Due, whichever is lower.
Minimum Payment: All interest and fees and charges including Annual Membership Fee(s) that may be charged, plus 1% of outstanding principal, plus any overlimit amount (if any)(the minimum amount of Minimum Payment Due is HK$250).
Fees
Annual Fee: HK$1,800
Foreign Currency Transaction Fee: 1.95 %
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$96,000
Key Features
- First year annual fee waiver
- Welcome Offer Option 1: 10% Cash Rebate on spending in foreign currencies
New Cardmembers can enjoy 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 date (“Spending Period”), subject to a maximum of HK$1,000 Cash Rebate! - Welcome Offer Option 2: Enjoy HK$600 Cash Rebate
New credit card customers who accumulate HK$6,000 or above in retail spending within the first 2 months from the card issuance date (“Spending Period”) with the CNCBI Motion Credit Card will be entitled to HK$600 cash rebate. - 6% Cash Rebate on dining and online spending all year round
- 6% cash rebate on dining and online spending up to extra HK$200 Cash Rebate per month. (Required to make accumulated eligible retail transaction of HK$3,800 of the month)
- Other things to note:
- Welcome Offer and MoneyHero Exclusive Offer are only applicable to applicants who do not hold any CNCBI Credit Card principal card in the past 12 months from the approval month of current CNCBI Credit Card applications.
- Terms and conditions apply. For more details, please visit https://www.cncbinternational.com/personal/promotions/motion_credit_card/en/index.html
- Reminder: To borrow or not to borrow? Borrow only if you can repay!
Cashback - Dining
5 %Minimum Annual Income
HK$ HK$
150,000Card Benefit
2 - 5 % cashbackApply through MoneyHero and choose from 7 premium rewards:
You’ll also receive the following welcome gift(s) directly from the bank:
- Dining rebate
- Online shopping rebate
- Annual Fee waiver
- Dining discount
Repayment Details
Minimum Payment: If the total outstanding balance is HK$300 or above, the minimum payment will be the sum of the followings: i. all charges, fees, costs, expenses, interests and/or finance charges posted to the current statement of Card Account; ii. any amount in excess of the credit limit incurred after last statement date; and iii. 1% of the statement balance excluding all charges, fees, costs, expenses, interests and/or finance charges posted to the Card Account; or HK$300, whichever is higher plus any outstanding minimum payment. If the total outstanding balance is less than HK$300, the minimum payment will be the total outstanding balance.
Late Payment Charge: If you fail to pay the minimum payment shown on any monthly statement, the rate for finance charge will be adjusted by adding the following applicable Delinquency Adjustment Rate (the ""Adjusted Interest Rate""): Transaction Type i. Cash Advance 4.8% (46.45%) ii. Retail Transaction 4.3% (41.80%*) iii. Merchant Categories of Internet Bill Payment / JET Payment / Bill Payment through Customer Services Hotline: • Banking and Credit Card Services / Credit Card Payment / Credit Services 4.8% (43.69%) • Security Broker 4.3% (43.65%*) • Others 4.3% (41.80%*) The APR of the corresponding Adjusted Interest Rate is shown in brackets. The Adjusted Interest Rate will apply from the day following the date of the monthly statement issued after the occurrence of the delinquency until the full amount or at least the minimum payment is paid on or before the payment due date for 6 consecutive monthly statements.
Interest Free Period: 60 days
Fees
Annual Fee: HK$1,800
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$150,000
Key Features
DBS Eminent Card Up to 5% Rebate Programme
- A single net spending of HK$300 or above of 4 designated categories of spending (Dining, Fitness clubs, Sportswear, Medical services) up to 5% rebate (applicable for the first HK$4,000 Eligible Spending in Other Retail Spending in each calendar month)
- Other retail spending up to 1 % rebate (applicable for the first HK$15,000 Eligible Spending in Other Retail Spending in each calendar month)
- Registration in DBS Card+ mobile application is required. Eligible spending will be calculated for rebate according to this program from the next calendar day upon successful registration
- The first HK$5,000 E-Wallet Retail Spending in each calendar month, excluding the thereafter E-Wallet Retail Spending exceeding HK$5,000, will be entitled the reward.
- For details, please visit go.dbs.com/hk-eminent-rebate-en.
Dining Privileges
- Conrad Hong Kong up to 10% off
Health & Wellness Privileges Up to 35% off / Enjoy Trial
- Up to 35% discount on designated check-up plans
Flexi Shopping Eminent Card Exclusive Offer
- 3 times 50% one-off handling fee rebate on medical service spending instalments!
- Offer is bounded by Terms and Conditions. For details, please visit go.dbs.com/hk-fseme
Other things to note
- MoneyHero exclusive offer is only applicable to new applicants who have not owned any DBS cards in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards and/or DBS COMPASS VISA) issued by DBS
- Cash Rebate is not applicable to applicants who, during the New Card approval process, have applied for or held any principal DBS Eminent Visa Signature Card and/ or DBS Eminent Visa Platinum Card (formerly named as DBS Visa Platinum Card, DBS Visa Gold Card or DBS Visa Classic Card).
- New Customer must download DBS Card+ Mobile Application (“DBS Card+”), register and activate DBS Card+ account within 2 month of the New Card issuance date in order to be eligible to the Welcome Offer
- DBS iBanking bill payment and transactions in Hong Kong dollars at the point of sales outside Hong Kong are not eligible for earning Cash Rebate
Cashback Local
4 %Cashback Overseas
4 %Annual Fee
HK$ HK$
1,500Annual Fee Waiver
First 2 yearsApply through MoneyHero and choose from 1 premium rewards:
You’ll also receive the following welcome gift(s) directly from the bank:
- Travel agency offer
- Cinema ticketing
- Installment
Repayment Details
Interest Free Period: 53 days
Minimum Payment: HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable)
Late Payment Charge: HK$320
Fees
Foreign Currency Transaction Fee: 1.95 %
Annual Fee: HK$1,500
Eligibility
Minimum Age: 18 years old
Minimum Annual Income: HK$240,000
Key Features
Launch of WeWa Club Enjoy endless offers and jetso
- The WeWa Pick 1 of 4 Fun Categories (Mobile Payment or Travel Spending or Overseas Spending or Online Entertainment). Of course, you will get even better offers on WeWa Club by becoming a WeWa credit card cardholder and upgrade yourself as a “WePlus” member.
- At WeWa Club, you can:
- Buy amazing things at a good deal
- Enjoy priority booking for concerts or other events
- Enjoy many other offers and jetso!
Enjoy limited-time offers and activities in OmyCard app
- Enjoy WeWa Club limited-time offers through the app. You can buy popular products at a discounted price.
Pay with WeWa UnionPay Credit Card and enjoy direct cash rebate.
- 4% rebate on Mobile Payment or Travel Spending or Overseas Spending or Online Entertainment (0.4% basic rebate + 3.6% additional rebate) (HK$250 = HK$10 cash rebate)
- 0.4% on other spendings (HK$250 = HK$1 cash rebate)
3-month Interest-free Credit Card Transaction Instalment Plan
- Enjoy waiver on interest rate and handling fee for option of 3 months of Credit Card Transaction Instalment Plan when you apply for the plan via OmyCard App. The plan is applicable to single eligible retail spending of HK$1,500 or above.
Annual fee waiver for the first 2 years; 5 years for student cardholders
Other things to note
- Welcome offers, HK$300 Cash Rebate Offer and MoneyHero exclusive offer are applicable to applicants who are not holding and / or have not held any Credit Card issued by PrimeCredit in the past 6 months.
-
Cardholders must accumulate eligible retail transactions of HK$1,500 or above using their WeWa Credit Card in each calendar month during the Promotion Period to receive a cash rebate of 3.6% on Eligible Retail Transaction of the selected Fun category of that WeWa Credit Card made in that calendar month, the maximum Cash Rebate can be received per WeWa Credit Card in each calendar month during the Promotion Period is HK$200
Cashback - Dining
$ 4 per mileMinimum Annual Income
$ 4 per mileCard Benefit
$ 2 per mileAirmiles Conversion Fee
WaivedApply through MoneyHero and choose from 6 premium rewards:
You’ll also receive the following welcome gift(s) directly from the bank:
- Welcome offer: Air miles
- Air miles conversion
- Hotel bookings offer
- Overseas rebate
Repayment Details
Minimum Payment: All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$/CNY220, whichever is higher.
Late Payment Charge: EITHER 5% of the Outstanding Balance (subject to a minimum cap of HK$/CNY220 and a maximum cap of HK$/CNY350) OR the Minimum Payment Due, whichever is lower
Interest Free Period: Up to56 days
Fees
Annual Fee: HK$2,000
Air Miles Conversion Fee: Waived
Foreign Currency Transaction Fee: 1.95 %
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$96,000
Key Features
Miles will be automatically credited to your Asia Miles membership accounts with no mileage conversion fee
- Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express
- Eligible spending includes Cathay flight tickets, shopping and bookings with Cathay Holidays, and HK Express flight tickets and duty-free items.For every HK$8,000 accumulated eligible spending on Cathay and HK Express directly, cardholders can earn: Basic Miles: up to (A)2,000 (HK$4=(A)1 for eligible online spending, HK$6=(A)1 for eligible spending in other categories); and Extra Miles: (A)2,000. Thus, cardholders can earn up to a total of (A)4,000 – equivalent to HK$2=(A)1. Extra Miles offer is valid between 1 April 2024 and 31 December 2024.
- HK$4 = 1 Asia Mile for eligible spending on dining and overseas category
- HK$6 = 1 Asia Mile for eligible spending on other categories
10% discount on Asia Miles Awards redemption
- Hotel, Car Rental and Experience Awards;
- Dining awards or settle bill with miles; and
- Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.
Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings
First-year annual fee waiver
- New clients can enjoy first-year annual fee waiver. Cardholders will enjoy an annual fee waiver on their Cards for a year (beginning from the respective anniversary of the issuance date of their Cards) if they are Priority Banking clients or Premium Banking clients meeting the relevant Minimum Relationship Balance requirement, or payroll account clients.
Other things to note
- New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
- Transfer/top up transaction from the Card account to any account as designated by Standard Chartered from time to time, including but not limited to, Octopus Wallet, Alipay account, transactions effected through Faster Payment System and other digital payment made through Standard Chartered Online Banking do not count as Eligible Transactions.
- Offers are subject to Terms and conditions
- An Asia Miles Account is required before applying for the Standard Chartered Cathay Mastercard, please click here to redirect to the Asia Miles Account registration page
Airmiles Overseas
$ 5 per mileAirmiles Local
$ 2.5 per mileAirport Lounge Access
Not ApplicableMinimum Annual Income
HK$ HK$
300,000You’ll also receive the following welcome gift(s) directly from the bank:
- Dining discount
- Cinema ticketing
- Travel insurance
- Hotel bookings offer
Repayment Details
Minimum Payment: -
Late Payment Charge: -
Fees
Annual Fee: HK$2,200
Foreign Currency Transaction Fee: 2 %
Air Miles Conversion Fee: $300
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$300,000
Key Features
Earn rewards when you spend with the Card
- First HK$120,000 spending within first 3 months - HK$1 = 5 Membership Rewards points
- Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example. The cashback rate is 1.67%.
- Take 18 Membership Reward points = 1 Asia Mile as an example. The air miles conversion rate is HK$3.6 = 1 mile.
- First HK$120,000 charged and billed during each Program Period - HK$1 = 3 Membership Rewards points
- Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example. The cashback rate is 1%.
- Take 18 Membership Reward points = 1 Asia Mile as an example. The air miles conversion rate is HK$6 = 1 mile.
- The spending from HK$120,001 and onwards during each Program Period - HK$1 = 1 Membership Rewards points
- Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example. The cashback rate is 0.33%.
- Take 18 Membership Reward points = 1 Asia Mile as an example. The air miles conversion rate is HK$18 = 1 mile.
- All spending requirement above applicable to local retails, dining and online shopping; foreign currency shopping
- Shop online or in a store at selected merchants, you’ll earn double Membership Rewards points. First HK$120,000 spending
during each Program Period - HK$1 = 6 Membership Rewards points- Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example. The cashback rate is 2%.
- Take 18 Membership Reward points = 1 Asia Mile as an example. The air miles conversion rate is HK$3 = 1 mile.
- Including but not limited to Circle K Convenience Stores, city’super, DON DON DONKI, Mannings, PARKnSHOP, SOGO supermarket, Watsons, Wellcome, YATA supermarkets, Esso stations (earn up to an extra 30,000 Membership Rewards points in total per calendar month)
- Learn more Merchant list
- Online Fraud Protection Guarantee
Shop online with the Card and you won't be held responsible for any fraudulent charge. - Return Guarantee
Refund if you are unhappy with the purchase made with the Card. - Extended Warranty
When purchase with the Card, the warranty will be extended by up to 1 year once the original manufacturer's warranty expires. The maximum coverage is HK$40,000 per item, and HK$150,000 per Card account per year. - Price Protection
Refund the difference when you see an identical item offered at a cheaper price in Hong Kong within 14 days of your purchase - 45 Days Cover
Almost anything you buy with your Card is insured against theft or accidental damage for up to 45 days after the date of purchase. - Terms and Conditions apply.
Dining Offer
Basic and Supplementary Cardmember can enjoy
- Enjoy up to 40% savings at designated restaurants of Maxim’s Chinese Cuisine, Western Restaurants and m.a.x. concepts on the à la carte dinner menus.
- Promotion details please refer to Maxim's Dining | American Express HK
- Enjoy up to 40% savings on the à la carte dinner menus and 25% savings on the à la carte food menus for takeaway orders at designated restaurants of Cafe Deco Group.
- Designated restaurants of Cafe Deco Group includes: ANJU, Dim Sum Bar, Cafe Deco Pizzeria, Duan Chun Zhen, Takeroku Ramen, WATERMARK.
- The list of designated restaurants is subject to change from time to time without prior notice. Please check with the restaurants for details.
- Promotion details please refer to Cafe Deco | American Express HK
- Buy 1 Get 1 Free at designated restaurants of agnes b, and up to 30% off on 5.5" whole cake with at least 3-day advance order.
Lifestyle Offer
- Buy-1-Get-1-Free tickets offer will only be applicable to Friday shows, while 20% savings on regular priced movie tickets will be available on other days in Broadway Circuit.
- Enjoy 3% savings on selected regular-priced items at the stores of city'super, city'super EKI, LOG-ON and cook
edDeli in Hong Kong.
- Enjoy 3X Membership Rewards points on the first HK$120,000 spending (as low as HK$5 = 1 mile)
- Enjoy 8% savings on selected hotel booking all year round at Expedia
- Existing American Express® Platinum Credit Card Basic Cardmembers and applicants who held American Express® Platinum Credit Card (Basic card) at any time within the past 12 months from the date of this application are not eligible for MoneyHero Exclusive Offer and Welcome Offers.
Why use a dining credit card?
- Higher rewards on dining: Some cards offer up to 6–8% cashback or extra miles on restaurant bills.
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Food delivery benefits: Enjoy perks with Foodpanda, Deliveroo, Uber Eats, and more.
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Exclusive privileges: Selected cards offer wine & dine events, Michelin-starred restaurant discounts, or birthday dining deals.
Tips before applying
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Check if the dining category (MCC) is eligible.
-
Compare cashback vs miles based on your lifestyle.
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Review caps and minimum spend to maximise rewards.
FAQ
It varies by bank, but some cards give up to 8% cashback on dining promotions.
Yes, most delivery apps like Foodpanda and Deliveroo are coded under dining, but always check the merchant category.
Some banks set a monthly cashback/miles cap; check card T&Cs.
Often yes, but it depends on whether the merchant is recognised under a dining MCC abroad.
Yes, dining credit cards can stack with bank promotions or restaurant-specific deals.