7 Dining Credit Cards That Help You Save More While Eating Out

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Eating out may seem expensive at times, but with the perfect financial tool, it will fit right in your budget. You don’t need a silver fork to eat good food. All you need is a dining credit card.

Here is a list of 7 credit cards that will treat you to amazing dining deals.

Take a look at this table to check the major benefits of each of these 7 credit cards.

Card Name

Dining deals Other benefits Finance charges

Annual fee

Citi Cash Back Credit Card

Up to 10% cash back on dining.
  • 10% cash back on grocery, petrol, and grab rides.
  • Unlimited 0.2% cash back on all other purchases.
15-18% p.a.

RM127.20

Hong Leong WISE Credit Card

Up to 10% cash back on dining.
  • 10% cash rebate on petrol.
  • Switch to different categories with same cash back.
15-18% p.a. RM265

Mach Visa Credit Card

5% cash rebate on dining.

  • Choose from 3 packages according to your lifestyle.
  • Up to 10% cash back on chosen categories.
15-18% p.a. RM160

AmBank Visa Infinite

Complimentary Hilton  Premium Club Membership Card offers up to 50% dining discount at Hotel Hilton in Malaysia, China, and Thailand.

Check www.premiumclubasia.com for more dining deals

  • Earn 5X AmBonus Points with overseas purchases.
  • Convert AmBonus Points into AirMiles at the rate 5,000 AmBonus Points = 1,000 Air Miles.
15-18% p.a. No charge

Maybank 2 Platinum Card

  • 5% cash back on weekend dining.
  • 50% discount with dining at SPG Hotels and Resorts.
  • Earn up to 5X TREATSPoints with overseas purchases.
  • Low finance charges starting from 8.88% p.a.
15-18% p.a. Waived for life

Public Bank Visa Signature

6% cash back on dining, grocery and online transactions
  • Earn 1 VIP Point per RM1 spent on other retail purchases.
15-18% p.a. RM411.28
RHB Platinum Credit Card
  • Up to 5X Rewards Points per RM1 spent on dining during your birthday month.
  • 3X Rewards Points on dining throughout the year.
  • Earn 3X Rewards Points on overseas retail purchases.
  • Earn 2X Rewards Points on insurance, shopping, and utility purchases.
  • 1X Bonus Points on all other retail purchases.

15-18% p.a.

RM212

Let’s look at the broader picture now:

1. Citi Cash Back Credit Card

Citi Cash Back Card is a great credit card for eating out on a regular basis. You can obtain rebates on petrol, groceries, dining, and many more with this card in your wallet. In fact, the Citi Cash Back Credit Card is not just limited to the perks associated with these categories — it can also help you pay your monthly bills timely via standing instructions. Not just purchases, the card also ensures you take good care of your health with up to 20% discount on healthcare packages. And don’t forget to check out the Citibank privileges all over the world at more than 24,000 hotels, golf resorts, restaurants, boutiques, and retail outlets and promotions released by the bank from time to time.

However, keep in mind:

  • Rebates on dining, petrol, groceries, and other retail purchases can be earned only when you charge the card with RM1,500 or more in a month.
  • The maximum rebate with all these categories is capped at RM15 per month.

Related: 5 Credit Cards with Superb Joining Benefits You Must Check Out

2. Hong Leong WISE Credit Card

Hong Leong WISE Card helps you manage your expenses wisely by offering rebates on your chosen purchases. You can choose the categories on which you want to get the cash rebate and switch whenever you desire. You can obtain the cash back at participating merchants of the following categories: petrol, dining, groceries, pharmaceutical, entertainment, utilities, travel, and others.

Keep in mind:

  • You are required to spend RM2,000 or more in order to enjoy the cash rebate.
  • The cash back is capped at RM100 per month.

RelatedTop 5 Travel Credit Cards in Malaysia That Ensure You Have a Happy Journey

3. Mach Visa Credit Card

Mach Visa Credit Card is one of its type with an option to choose from three packages according to your lifestyle needs. These packages are named Trendsetter package, Savvy package, and the Social package. The Social package, for example, comes with rebates at nightlife, movies, music, and entertainment. Plus you can get amazing clothing, dining, and travel deals. On the other hand, the Savvy package provides you with a range of offers and deals on health and fitness packages, grocery shopping, and mobile purchases.

Keep in mind:

  • You can skip paying the annual fee for your card if you use your card at least 12 times per year.
  • The 10% cash back has a cap of RM100 per quarter for each category of a package.

RelatedCheap and Good: 7 Affordable Credit Cards with Great Benefits

4. AmBank Visa Infinite

The Ambank Visa Infinite comes with a complimentary Hilton Premium Club Membership Card that offers up to 50% dining discount on all participating Hilton Hotels in Malaysia, China and Thailand, apart from 10% discount on Best Available Room Rates at all participating Hilton Hotels in Asia. The AmBank Visa Infinite is also designed in such a way that it makes your everyday life easier. This includes easy payment plan, auto-bill payment feature, and AmFlexi-Pay plan. The card also makes your travel comfortable and safe with AmBonus points redemption for Air Miles and a complimentary travel insurance coverage.

Keep in mind:

  • Minimum income requirement for the card is RM120,000.
  • The primary card is free for life, whereas, from fourth card onwards, your supplementary card will have an annual fee of RM188.

RelatedTop Petrol Credit Cards in Malaysia That Let Us Drive Around for Less

5. Maybank 2 Platinum Card

Get ready for double fun with the Maybank 2 Platinum Card as it comes with benefits of two cards — Maybank2 American Express Card and the Maybank2 MasterCard — clubbed in a single statement.

Get 5% cashback when you use your Maybank2 American Express Card in Malaysia and overseas on Saturdays and Sundays. Plus you get 50% savings for two diners at all SPG Hotels and Resorts in Malaysia (40% savings for three to 10 diners) valid till December 31, 2018. You also get 5X TreatsPoints when you spend through your Maybank2 American Express Card, and 1X TreatsPoints for Maybank2 MasterCard. The card also comes with all-round benefits that include discounts on accommodation, travel benefits like discounted fares and complimentary travel insurance coverage among others. All this with no annual fee for life makes it an even better deal!

Keep in mind:

  • Weekend cash back has a monthly limit of RM50 per customer.
  • Minimum income required to get this card is RM60,000 p.a.

Related6 Common Mistakes Credit Card Users Must Avoid

6. Public Bank Visa Signature

Public Bank Visa Signature Card comes with an annual fee waiver for the first year. From second year onwards, you can get a fee waiver if you use your card 12 times or more in a year. You can also obtain complimentary access to Malaysia Plaza Premium Lounge twice a year and a complimentary travel insurance when you choose to fly using this card.

Keep in mind:

  • Minimum income required to apply for the card: RM80,000 p.a.

RelatedHow to Make the Most of Your Rewards Credit Cards

7. RHB Platinum Credit Card

Your entire birthday month just got a bit more exciting as you can get 5X Reward Points on dining throughout the month (earn 3X Reward Points on dining and overseas retail throughout the rest of the year). The RHB Platinum Credit Card also comes with a range of golf and lounge privileges. With discounted tee-offs and complimentary access and discounts at Plaza Premium Lounges all over the world, this card makes sure you have an amazing lifestyle as well as a travel experience.

Keep in mind:

  • You can get an annual fee waiver if you charge RM24,000 or more on your card in a year.
  • Minimum income requirement: RM48,000 p.a.

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