{"id":9022,"date":"2019-06-03T09:10:41","date_gmt":"2019-06-03T01:10:41","guid":{"rendered":"http:\/\/www.imoney.my\/articles\/?p=9022"},"modified":"2021-10-13T20:28:39","modified_gmt":"2021-10-13T12:28:39","slug":"best-dining-credit-card","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/best-dining-credit-card","title":{"rendered":"Dining Card Battle Royale! Here Are The Top Dining Credit Cards"},"content":{"rendered":"
Being a foodie can be a pricey venture. There\u2019s a mind-boggling array of amazing food in Malaysia\u2026if only you could afford them all.<\/p>\n
However, that doesn\u2019t mean you have to stop yourself from dining out. A frugal lifestyle can also include the occasional indulgence, and anyone can save cash by using the ideal credit card to maximise their savings and dining privileges.<\/p>\n
But which is the best dining credit card for foodies in Malaysia?<\/p>\n
If you\u2019re a frequent diner at shopping malls and hotels, this is the card for you.<\/p>\n
You\u2019ll receive 1 Reward Point for every ringgit charged to your card. You get 5x more points when you spend online locally and at 34 local participating malls, and 8x more when you spend overseas and online in foreign currency. These points can be used to redeem<\/a> online vouchers and a range of merchandise.<\/p>\n This card also gives you access to HSBC SmartPrivileges<\/a>, which could net you discounts of up to 50% at a wide range of hotel buffets and restaurants.<\/p>\n Annual fee: <\/strong>RM600<\/p>\n Min. income requirement: <\/strong>RM72,000 p.a.\u00a0<\/strong><\/p>\n Feature highlights: <\/strong><\/p>\n <\/div><\/div>\n Discounts of up to 50% at a wide range of restaurants with HSBC SmartPrivileges<\/p>Up to 8x Reward Points on your spending<\/em><\/div> The Citi Cash Back Credit Card offers a high cash back rate of 10% on dining, groceries, petrol and Grab rides \u2013 as long as you can hit a monthly spend of at least RM500 on your card. However, the monthly caps are only at RM10 per category, which adds up to RM40 a month in total across all categories.<\/p>\n For other categories of spending, there\u2019s a cash back rate of 0.2%, with no monthly caps.<\/p>\n Although you\u2019ll only get a maximum of RM10 a month in cash back when it comes to dining, this card does offer discounts and promotions at a huge range of 109 food and dining establishments. With Citi World Privileges<\/a>, you can get deals such as a 20% discount while dining at the Hilton Kuala Lumpur, 1-for-1 buffet at Kontiki Restaurant and 15% off at The Coffee Bean & Tea Leaf.<\/p>\n Annual fee: <\/strong>RM120 (waived for the first three years)<\/p>\n Min. income requirement: <\/strong>RM36,000 p.a.\u00a0<\/strong><\/p>\n Feature highlights: <\/strong><\/p>\n <\/div><\/div>\n Up to 10% cash back on dining, groceries, petrol and Grab rides <\/p>Unlimited 0.2% spend on other retail spend<\/em><\/div> With Maybank 2, you get the Maybank 2 American Express Card and Maybank 2 Mastercard\/Visa Card under a single application.<\/p>\n You\u2019ll get a 5% cash back when you spend with the Maybank 2 American Express Card on weekends, alongside a monthly cashback cap of RM50. It\u2019s a pretty sweet deal, considering that you don\u2019t have to pay any annual fees on this card.<\/p>\n Your cards will give you access to certain promotions and discounts, but Maybank\u2019s catalogue<\/a> of dining deals isn\u2019t as extensive as other banks\u2019.<\/p>\n Annual fee: <\/strong>Free<\/p>\n Min. income requirement: <\/strong>RM30,000 p.a. (Gold) or RM60,000 p.a. (Platinum)<\/p>\n Feature highlights: <\/strong><\/p>\n <\/div><\/div>\n 5% cash back on weekends with the Maybank 2 American Express Card <\/p>Up to 5x TreatsPoints for your spending<\/em><\/div> This card offers a huge 12% cash rebate on weekend dining, although the rebate is capped at RM30 a month.<\/p>\n For spending categories like cinemas, petrol, groceries, mobile and utility bill payments, there is a 2% cash rebate (for statement balances below RM3,000) and a 5% cash rebate (for statement balances of RM3,000 and above).<\/p>\n There\u2019s also a 0.2% cash rebate on other online or retail spending.<\/p>\n\n
<\/div>
HSBC Visa Signature Credit Card<\/a><\/h4>
<\/span>Citi Cash Back Credit Card<\/strong><\/span><\/h2>\n
\n
<\/div>
Citi Cash Back Credit Card<\/a><\/h4>
<\/span>Maybank 2 Cards <\/strong><\/span><\/h2>\n
\n
<\/div>
Maybank 2 Cards<\/a><\/h4>
<\/span>CIMB Cash Rebate Platinum Credit Card<\/strong><\/span><\/h2>\n