Best Dining Credit Cards

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FAQs Best Dining Credit Cards in Malaysia: Rewards, Cashback, and More

In Malaysia, dining out is more than just a meal—it’s a way to celebrate culture, spend time with family and friends, and explore diverse cuisines. For food enthusiasts, a dining credit card offers a way to enjoy these experiences with added perks, like cashback, discounts, and loyalty points. Choosing the right dining credit card in Malaysia can significantly enhance your dining experience, but with so many options available, finding the perfect one might seem daunting. This guide will walk you through the best dining credit cards in Malaysia for 2025, helping you find the ideal card that suits your lifestyle and rewards your dining choices.

Why Get a Dining Credit Card in Malaysia?

Dining credit cards in Malaysia are specially designed to reward you every time you dine out. These cards often provide exclusive perks such as cashback, discounts at top restaurants, or additional rewards points for every dollar spent on dining. Here are some compelling reasons to consider a dining credit card:

Maximize Savings: Cashback on dining transactions can significantly reduce the amount you spend over time, making dining out more affordable.
Exclusive Dining Deals: Many dining cards partner with high-end restaurants to offer discounts, free dishes, or even access to private events.
Reward Points: Convert your dining expenses into points that you can later redeem for other rewards, including travel, shopping vouchers, or lifestyle products.
Enhanced Lifestyle: Dining credit cards add a touch of luxury with perks such as priority seating, exclusive tasting menus, and complimentary desserts or beverages.

When choosing a dining credit card in Malaysia, consider these essential features:

a. Cashback and Rewards Rates

The percentage of cashback or reward points on dining purchases varies greatly. Cards offering at least 5% cashback or higher points multipliers (like 8x points) are generally more rewarding.

b. Dining Privileges and Partnerships

Check if the card has partnerships with popular restaurants, hotels, or cafes. These partnerships can offer discounts, special menus, or even priority bookings, adding more value to your dining experience.

c. Minimum Spend Requirement

Some cards require a minimum monthly spend to unlock dining perks or cashback benefits. If you prefer flexibility, look for cards without these thresholds.

d. Annual Fees and Waivers

Certain dining credit cards come with annual fees. However, many banks offer fee waivers if you meet specific spending requirements.
Dining credit cards often extend their benefits beyond restaurants, offering rewards on a variety of spending categories, including:
- Cafes and Coffee Shops: Many cards include cafes in their dining rewards, allowing you to earn cashback on your favorite coffee.
- Food Delivery Services: With the popularity of food delivery apps, some cards offer perks for spending on platforms like GrabFood and Foodpanda.
- Hotel Dining: If you frequently dine at hotel restaurants, certain cards provide discounts or special deals at hotels, making them an excellent choice for staycation lovers.
Here are some of the best dining credit cards in Malaysia, chosen based on their dining perks, cashback rewards, and exclusive benefits.

a. Maybank 2 Cards Premier
- Dining Cashback: Up to 5% cashback on dining locally and overseas.
- Exclusive Dining Deals: Regular promotions with dining partners across Malaysia, including high-end restaurants and cafés.
- Additional Benefits: Access to Maybank’s VIP lounges, complimentary travel insurance, and more.
- Eligibility: Minimum annual income requirement of RM100,000.
Why Choose It: Maybank 2 Cards Premier combines premium perks with substantial dining rewards, ideal for high-spenders looking for luxury and value.

b. CIMB Cash Rebate Platinum Mastercard
- Dining Cashback: 5% cashback on local dining, with no minimum spending requirements.
- Other Cashback Benefits: Up to 10% on petrol, groceries, and utilities.
- Dining Deals: Partnerships with various dining outlets for exclusive discounts.
- Eligibility: Minimum income requirement of RM24,000 annually.
Why Choose It: This card offers straightforward cashback without any confusing tiers, making it perfect for those who prioritize simplicity and high rebates on dining.

c. HSBC Visa Signature Card
- Dining Points: Earn up to 8x points for every RM1 spent on dining and entertainment.
- Redeemable Perks: Points can be redeemed for vouchers, lifestyle products, and travel rewards.
- Dining Privileges: Regular dining discounts at partner restaurants nationwide.
- Eligibility: Annual income of RM36,000.
Why Choose It: With high points multipliers on dining, this card is perfect for those who frequently dine out and want to accumulate rewards rapidly.

d. Standard Chartered JustOne Platinum Mastercard
- Dining Cashback: Up to 15% cashback on dining and other essential expenses.
- Broad Cashback Categories: Additional cashback on petrol, groceries, and online purchases.
- Dining Partnerships: Regular promotions with dining outlets across Malaysia.
- Eligibility: Minimum annual income requirement of RM24,000.
Why Choose It: With up to 15% cashback on dining, this card is ideal for families and individuals who want significant returns on everyday dining expenses.

e. UOB One Card Classic
- Dining Cashback: Up to 10% cashback on dining, petrol, selected groceries, and Grab spend.
- Weekend Focused Perks: Enhanced cashback on weekends, appealing to those who dine out primarily on weekends.
- Other Benefits: Exclusive dining privileges at over 1,000 merchants nationwide!
- Eligibility: Minimum income requirement of RM24,000.
Why Choose It: UOB One Card Classic is tailored for weekend diners who want maximum cashback during their leisure time.
To make the most out of your dining credit card, follow these simple strategies:

a. Use It Exclusively for Dining

By dedicating one credit card solely for dining expenses, you can better track your rewards and ensure you’re maximizing cashback or points.

b. Plan Special Occasions

Many dining cards offer special promotions on holidays or celebratory occasions like birthdays. Check for exclusive offers when planning dinners on these dates.

c. Take Advantage of Partnered Promotions

Credit cards often have rotating promotions, so stay updated with your card issuer’s offers. This way, you can enjoy new discounts and rewards at partnered restaurants each month.

Credit Card	Cashback/Rewards Rate	Minimum Spend Requirement	Annual Fee	Other Key Benefits
Maybank 2 Cards Premier	Up to 5% cashback	RM3,000 monthly	RM800, waiver options available	VIP lounge access, travel insurance
CIMB Cash Rebate Platinum Mastercard	5% cashback	No minimum spend	RM0 (lifetime free)	High cashback on petrol, groceries
HSBC Visa Signature Card	8x points per RM1	RM2,000 monthly	RM400, waiver options available	Dining discounts at partner restaurants
Standard Chartered JustOne Platinum Mastercard	Up to 15% cashback	RM2,500 monthly	RM250, first-year waiver	Broad cashback categories
UOB One Card	Up to 10% if minimum retail spend is met	RM500	RM120, waiver options	Weekend-centric perks

Applying for a dining credit card in Malaysia is straightforward. Follow these steps:
1. Check Eligibility: Ensure you meet the card’s income and credit score requirements.
2. Compare Card Benefits: Review the cashback rates, annual fees, and additional perks to find the best match.
3. Apply Online or In-Branch: Most banks offer online applications. You’ll need to provide documents like identification, income statements, and proof of employment.
4. Wait for Approval: Approval times vary, but many banks offer instant or 1-2 day approvals for qualified applicants.
The best card depends on your dining habits. For high cashback, the Standard Chartered JustOne Platinum Mastercard is excellent, while the Maybank 2 Cards Premier suits those seeking exclusive dining experiences.
No, many dining cards also offer rewards on other categories like groceries, fuel, and online shopping.
Some do, but many banks offer waivers if you meet spending requirements. CIMB’s dining card, for example, has no annual fee.
Yes, certain cards like UOB One and HSBC Visa Signature extend benefits to food delivery services.
If dining out isn’t a regular part of your lifestyle, a general cashback card might offer better value. However, if you enjoy occasional dining treats, a dining credit card can still provide valuable savings.
A dining credit card can be a game-changer for those who frequently dine out or order food online. With the right card, you can enjoy cashback, reward points, and exclusive deals that make every meal more satisfying. Whether you’re a foodie looking to explore Malaysia’s diverse dining scene or just want to save more on everyday dining, a well-chosen dining credit card will elevate your experience.

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Enjoy 8% cashback when you spend above RM500 per month for petrol, groceries, and dining on the weekends.

For every RM1 spent overseas, you earn 5 AmBonus Points! And also enjoy exclusive travel and dining privileges too!

Enjoy up to 5x TreatsPoints on weekdays and up to RM700,000 Travel Insurance Coverage when tickets are charged to your Maybank 2 Platinum Card.

Enjoy cashback and exclusive rewards with a minimum RM300 spend whilst enjoying up to 5x TreatsPoints on your weekday spend.

Unlimited Cash MegaBonus of 0.1% on both local and overseas retail purchases and your first-year annual fee waived.

A shariah-compliant credit card that earns up to 8x TreatsPoints when you spend at any petrol service station nationwide.

Up to 5 TreatsPoints from spent overseas, and exclusive dining, golf privileges

Every month you will receive up to 2% cashback from all your retail spending, and this card comes with a business-size credit limit of up to RM300,000!

Get a 10% discount on normal tickets at GSC, on top of discounts on food and beverages, also with privileged access to the priority lane!

Up to 5 TreatPoints on all overseas spending, and 2 Treatpoints spent locally

Get up to 0.8% cashback on retail transactions with no maximum limit! And also receive a lifetime annual fee waiver with this card!

You will be rewarded for all your retail spending with Reward Points, on top of getting to enjoy a 6 or 12 month interest Easy Payment Plan at 0%!

Enjoy cashback with no maximum limit at up to 0.8%, added with exclusive Touch n Go features just for you!

Up to 8x TreatsPoints on weekends and 5x TreatsPoints on weekdays for every spend at PETRONAS Stations.

Earn 3 AmBonus Points for every RM1 spent overseas, and also enjoy exclusive dining and travel privileges!

Be rewarded with cashback of up to 10% on grocery transactions at selected merchants, and earn a complimentary access at True Fitness too!

Redeem accumulated Happy Points for BIG Points, Enrich Points, exciting gifts, retail vouchers and so much more.

Earn up to 2x Reward Points from your retail spending, and get preferential foreign exchange rates on outward remittances!

Get preferential foreign exchange rates on outward remittances from American Express, on top of earning up to 2x Reward Points from retail spending!

Enjoy up to 10% cashback at BHPetrol petrol stations and 1 AFFIN Rewards Point for every RM1 retail spend.

Enjoy 0.6% cashback on all retail spending plus FREE Automatic Travel Insurance with coverage of up to RM350,000!

You get to earn Reward Points from all your retail spending, and also enjoy a 0% interest Extended Payment Plan for 6 or 12 months!

Earn 1 AmBonus Point for every RM1 you spend and up to 20% cash rebate on worldwide spending.

Up to 5x Membership reward points for every RM you spend

Enjoy 1.5% unlimited cash rebate for overseas spending and 15% discount at any duty-free merchant.

Earn cashback of up to 0.3% from retail transactions from all certified Halal merchants, and get up to RM100,000 of Takaful protection!

Get up to 6% cashback on retail spending at The Store and Pacific, and 0.5% rebate on dining, entertainment, and petrol!

The Affinbank Classic Card gives you cashback at up to 0.8% uncapped, also with no annual fee, ever!

Enjoy earning up to 3x Cosway Points to be redeemed at over 850 Cosway outlets around Malaysia!

You get to earn up to 3x UNIRinggit Reward Points from all retail transactions, and enjoy a 0% interest Installment Payment Plan at all participating merchants!

Get access to the priority lane and get discounts on food and beverages, on top of a 10% discount on normal tickets at GSC!

Get 5% cashback when you spend at luxury brand merchants, and also 0.9% cashback on all other retail spending!

Get exclusive dining, travel, shopping, gold, and fitness privileges with this card! You will also get a 0% interest Installment Payment Plan at all participating merchants!

Earn up to 1% cashback on all retail spending, and enjoy a low cash advance at an interest rate starting at 10.8% per annum!

Great for those who travel a lot, as you earn extra AmBonus Points for your overseas retail spending! Also get complete travel insurance coverage of up to RM1,000,000!

Earn up to 8% Cash Back on weekends and 1% cash back on weekdays from petrol spending at PETRONAS

Earn up to 10% cashback on retail fashion transactions at selected merchants, and get a complimentary access to True Fitness!

This card gives you cashback at up to 0.8% with no maximum limit! Also enjoy a waived annual fee for life!

Get complimentary Plaza Premium Lounge access, on top of 2x Bonus Points rewarded from all overseas retail spending!

Your dining and travel companion that gives you 5X more rewards and 8x Airport Lounge Access after enjoying a premium ride to the airport.

Earn up to 3% cashback on your petrol expenditure.

Enjoy the rewards when you travel or just sit at home. Use this card to shop, eat or travel at any time.

Earn 8x TreatsPoints on weekends and 5x TreatsPoints on weekdays when you link your card and pay for fuel via CardTerus on the Setel app.

Earn AmBonus Points from your retail spending, and also get complete travel insurance coverage of up to RM500,000!

Earn up to 6% cashback on retail spending at The Store and Pacific, and gain access to shopping and travel privileges too!

Get Takaful protection with coverage of up to RM100,000, and also earn up to 0.3% cashback on retail transactions at all certified Halal merchants!

Get bonus cashback when you spend upwards of RM38,000, on top of 1% cashback on all of your retail spending!

7% cash rebate for Setel transaction with statement balance of RM1,500 and above,5% cash rebate with statement balance of RM1,500 and above. 3% cash rebate with statement balance below RM1,500!

Enjoy TruPoints for every RM1 spent on overseas and local spending and redeem attractive prizes through Bank Islam TruRewards Loyalty Programme.

Get Travel Accident Insurance with coverage of up to RM350,000, and earn up to 2x Reward Points from retail spending!

Earn up to 10x Reward Points from all overseas hotel, dining, and shopping spending!

Earn up to 5% cashback on online shopping, 1% cashback on petrol at BHPetrol stations nationwide, and up to 0.3% cashback on other retail transactions!