Kad Kredit Makan Terbaik

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

• 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 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.

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.