Best Dining Credit Cards in Hong Kong 2020

If you frequently eat out, these credit cards will allow you to easily enjoy competitive miles or cashback rates on your dining spend. We've compared and reviewed the cards with the most generous rewards, perks and discounts to help you determine which option is best for you.

Best Cashback Credit Cards for Dining
Best Airmiles Credit Cards for Dining
Best UnionPay Credit Cards for Dining
Best Dining Cards for High Spenders

Compare Best Dining Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best dining credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how best dining credit cards compare to one another in terms of their rewards
Best Dining Credit Cards in Hong Kong by Estimated 2-Year Dollar Value
Best Cashback Credit Cards for Dining Best Airmiles Credit Cards for Dining Best UnionPay Credit Cards for Dining Best Dining Cards for High Spenders

Compare Best Dining Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best dining credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how best dining credit cards compare to one another in terms of their rewards
Best Dining Credit Cards in Hong Kong by Estimated 2-Year Dollar Value

Best Cashback Credit Cards for Dining

These cards offer foodies the opportunity to earn outstanding rebate rates on dining and more.

Hang Seng MPOWER Card: No-Fee Cashback for Contactless Social Spend

  • 5% cashback for online, overseas & mobile payments
  • Promotions: Receive HK$600 cashback w/ HK$5k min. spend in 1st 2mo, OR:
  • Receive 8 MCL Cinemas movie tickets w/ HK$5k spend in 1st 2mo
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
Hang Seng MPOWER Card is an excellent option for modern foodies interested in maximising cashback on dining and entertainment spend. Local mobile spend on dining, fashion & entertainment earns an impressive 5% Cash Dollars rebate. Online and overseas spend also earns 5% cashback, as long as transactions are HK$300+. It's important to mention that cardholders must spend at least HK$3k/month to access these rates, however. Lower spenders earn just 0.4% Cash Dollars rebate on all purchases. Cash Dollars are redeemed by being automatically applied to transactions at over 7,400 popular restaurants, supermarkets, department stores and more.


Also, while Hang Seng MPOWER boasts one of the highest dining cashback rates on the market, rewards for contactless spend are capped at HK$100/month. Still, this is quite a competitive sum. Even more, cardholders can still access entertainment perks like extensive Cinema City deals, exclusive priority concert booking, discounted music streaming & more; perfect for social spenders. Overall, Hang Seng MPOWER is perfect for modern consumers seeking to earn cashback while eating out and on their discretionary spending.

  • Annual fee: Free
  • 5% Cash Dollars rebate for mobile spend on local dining, fashion & entertainment (w/ HK$3k spend/mo)
  • 5% Cash Dollars rebate on online & overseas transactions of HK$300+ (w/ HK$3k spend/mo)
  • 0.4% Cash Dollars rebate on general spend
  • Up to 8 free movie tickets/year, free popcorn & more at MCL Cinemas
  • Stand-Out: 5% cashback for online, overseas & mobile payments
  • Promotions: Receive HK$600 cashback w/ HK$5k min. spend in 1st 2mo, OR:
  • Receive 8 MCL Cinemas movie tickets w/ HK$5k spend in 1st 2mo
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
Hang Seng MPOWER Card is an excellent option for modern foodies interested in maximising cashback on dining and entertainment spend. Local mobile spend on dining, fashion & entertainment earns an impressive 5% Cash Dollars rebate. Online and overseas spend also earns 5% cashback, as long as transactions are HK$300+. It's important to mention that cardholders must spend at least HK$3k/month to access these rates, however. Lower spenders earn just 0.4% Cash Dollars rebate on all purchases. Cash Dollars are redeemed by being automatically applied to transactions at over 7,400 popular restaurants, supermarkets, department stores and more.


Also, while Hang Seng MPOWER boasts one of the highest dining cashback rates on the market, rewards for contactless spend are capped at HK$100/month. Still, this is quite a competitive sum. Even more, cardholders can still access entertainment perks like extensive Cinema City deals, exclusive priority concert booking, discounted music streaming & more; perfect for social spenders. Overall, Hang Seng MPOWER is perfect for modern consumers seeking to earn cashback while eating out and on their discretionary spending.

  • Annual fee: Free
  • 5% Cash Dollars rebate for mobile spend on local dining, fashion & entertainment (w/ HK$3k spend/mo)
  • 5% Cash Dollars rebate on online & overseas transactions of HK$300+ (w/ HK$3k spend/mo)
  • 0.4% Cash Dollars rebate on general spend
  • Up to 8 free movie tickets/year, free popcorn & more at MCL Cinemas

Standard Chartered Simply Cash Visa Card: Straightforward Cashback Locally & Overseas

  • Unltd. 1.5% on general spend, 2% overseas
  • Promotions: Earn 25% cashback on 1st HK$4k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Read Our Full Review
Standard Chartered Simply Cash Visa Card is a great low-maintenance, easy-to-use option for cashback on local and foreign spend. Consumers earn 2% cashback on all foreign currency transactions, paired with a competitive 1.5% cashback rate across all local spend categories. This allows cardholders to conveniently enjoy consistently high rates on all their spend, regardless of category or merchant type.


Cardholders can also enjoy Visa Signature Privileges & The Good Life offers, with up to 20% off popular restaurants like Lippo Chiuchow, The Platter and AMMO. Even better, current SC customers with select banking accounts (Priority, Premium or Bonus Payroll) receive a perpetual annual fee waiver, making the card both easy-to-use and low-maintenance. Finally, Standard Chartered Simply Cash Visa is relatively accessible, with a minimum annual income requirement of HK$96k. Ultimately, Standard Chartered Simply Cash Visa provides convenient rewards and discounts both locally and overseas with minimal added effort on behalf of the consumer.

  • Annual fee: HK$2k, 1st yr waiver, waived w/ select Standard Chartered accounts
  • 2% cashback on foreign currency spend
  • 1.5% cashback on local currency spend
  • Visa Signature Privileges & The Good Life Year-Round Offers
  • Stand-Out: Unltd. 1.5% on general spend, 2% overseas
  • Promotions: Earn 25% cashback on 1st HK$4k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Read Our Full Review
Standard Chartered Simply Cash Visa Card is a great low-maintenance, easy-to-use option for cashback on local and foreign spend. Consumers earn 2% cashback on all foreign currency transactions, paired with a competitive 1.5% cashback rate across all local spend categories. This allows cardholders to conveniently enjoy consistently high rates on all their spend, regardless of category or merchant type.


Cardholders can also enjoy Visa Signature Privileges & The Good Life offers, with up to 20% off popular restaurants like Lippo Chiuchow, The Platter and AMMO. Even better, current SC customers with select banking accounts (Priority, Premium or Bonus Payroll) receive a perpetual annual fee waiver, making the card both easy-to-use and low-maintenance. Finally, Standard Chartered Simply Cash Visa is relatively accessible, with a minimum annual income requirement of HK$96k. Ultimately, Standard Chartered Simply Cash Visa provides convenient rewards and discounts both locally and overseas with minimal added effort on behalf of the consumer.

  • Annual fee: HK$2k, 1st yr waiver, waived w/ select Standard Chartered accounts
  • 2% cashback on foreign currency spend
  • 1.5% cashback on local currency spend
  • Visa Signature Privileges & The Good Life Year-Round Offers

BEA Visa Signature Card: Top Cashback for Local Dining

  • 2.4% cashback on local dining spend
  • Promotions: Up to 10% cashback on select dining mobile pay
  • Up to 20% off on MCL Cinemas movie tickets
  • Read Our Full Review
BEA Visa Signature Card offers impressive cashback rates and discounts for foodies. To start, cardholders earn 2.4% cashback on local dining, 1.6% overseas and a market standard 0.4% cashback on general spend. As for perks, cardholders can enjoy up to 20% off at popular local restaurants like [email protected], Kong Fu Zi & The Platter. While BEA Visa Signature has a HK$1.8k annual fee, it's waived for consumers with a BEA Mandatory Provident Fund, deposit, consumer or mortgage loan account. Overall, BEA Visa Signature provides high rewards rates and convenient discounts on local dining while still earning high cashback rates on overseas spend.
  • Annual Fee: HK$1.8k, waived w/ select BEA accounts
  • 2.4% cashback on other local dining
  • 1.6% cashback on overseas spend
  • 0.4% cashback on general spend
  • Stand-Out: 2.4% cashback on local dining spend
  • Promotions: Up to 10% cashback on select dining mobile pay
  • Up to 20% off on MCL Cinemas movie tickets
  • Read Our Full Review
BEA Visa Signature Card offers impressive cashback rates and discounts for foodies. To start, cardholders earn 2.4% cashback on local dining, 1.6% overseas and a market standard 0.4% cashback on general spend. As for perks, cardholders can enjoy up to 20% off at popular local restaurants like [email protected], Kong Fu Zi & The Platter. While BEA Visa Signature has a HK$1.8k annual fee, it's waived for consumers with a BEA Mandatory Provident Fund, deposit, consumer or mortgage loan account. Overall, BEA Visa Signature provides high rewards rates and convenient discounts on local dining while still earning high cashback rates on overseas spend.
  • Annual Fee: HK$1.8k, waived w/ select BEA accounts
  • 2.4% cashback on other local dining
  • 1.6% cashback on overseas spend
  • 0.4% cashback on general spend

Best No-Fee Airmiles Credit Cards for Dining

These cards provide travellers with impressive miles rates without charging an annual fee.

CCB eye Platinum Credit Card: Easy Miles on Mobile & Online Spend

  • Up to 0.469 miles for online & mobile spend
  • Promotions: Receive HK$300 cashback w/ HK$4k spend in 1st 3mo, OR:
  • Receive HK$400 Shangri-La Hotels dining certificate and HK$100 cashback w/ HK$4k spend in 1st 3mo
  • HK$100 cashback for online application
  • Read Our Full Review
CCB eye Platinum Card is a remarkable no-fee option for modern consumers looking to quickly earn miles from all of their online and mobile transactions. Cardholders earn 0.333 miles per HK$1 on all such local spend, as well as a heightened 0.469 miles for contactless spend overseas. Although general, non-contactless local spend only earns 0.067 miles per HK$1 locally and 0.201 miles per HK$1 overseas, those comfortable using a digital wallet and shopping online can easily earn incredible rates on just about all of their purchases.


CCB eye Platinum cardholders also gain access to exclusive entertainment and dining perks. Consumers receive up to 15% off meals out with CCB’s Year-round Dining Privileges and can enjoy priority booking services for live entertainment. Even better, cardholders receive these elevated rates and perks without paying an annual fee. More than just a dining card, CCB eye Platinum is ultimately a fantastic option for modern, social spenders looking to earn miles quickly on contactless spend without paying an annual fee.

  • Annual fee: Free
  • 0.333 miles per HK$1 online & mobile local spend, 0.469 online & mobile overseas
  • 0.201 miles per HK$1 overseas spend
  • 0.067 miles per HK$1 local spend
  • Online and in-store shopping privileges through CCB
  • Stand-Out: Up to 0.469 miles for online & mobile spend
  • Promotions: Receive HK$300 cashback w/ HK$4k spend in 1st 3mo, OR:
  • Receive HK$400 Shangri-La Hotels dining certificate and HK$100 cashback w/ HK$4k spend in 1st 3mo
  • HK$100 cashback for online application
  • Read Our Full Review
CCB eye Platinum Card is a remarkable no-fee option for modern consumers looking to quickly earn miles from all of their online and mobile transactions. Cardholders earn 0.333 miles per HK$1 on all such local spend, as well as a heightened 0.469 miles for contactless spend overseas. Although general, non-contactless local spend only earns 0.067 miles per HK$1 locally and 0.201 miles per HK$1 overseas, those comfortable using a digital wallet and shopping online can easily earn incredible rates on just about all of their purchases.


CCB eye Platinum cardholders also gain access to exclusive entertainment and dining perks. Consumers receive up to 15% off meals out with CCB’s Year-round Dining Privileges and can enjoy priority booking services for live entertainment. Even better, cardholders receive these elevated rates and perks without paying an annual fee. More than just a dining card, CCB eye Platinum is ultimately a fantastic option for modern, social spenders looking to earn miles quickly on contactless spend without paying an annual fee.

  • Annual fee: Free
  • 0.333 miles per HK$1 online & mobile local spend, 0.469 online & mobile overseas
  • 0.201 miles per HK$1 overseas spend
  • 0.067 miles per HK$1 local spend
  • Online and in-store shopping privileges through CCB

CCB tiramisu Platinum Credit Card: Maintenance-Free Miles on Dining Worldwide

  • 0.2 miles/HK$1 local dining spend w/ waived annual fee
  • Promotions: Free year-round upgrades on Pacific Coffee handcrafted beverage orders
CCB tiramisu Platinum Credit Card offers consumers impressive miles rates on dining, both locally and overseas, all without charging an annual fee. Cardholders earn 0.2 miles per HK$1 spend on dining as well as on all spend overseas, and 0.067 miles for general local spend. CCB tiramisu Platinum also offers a perpetual fee waiver, so consumers can earn these competitive heightened dining rates without added cost.


Consumers can also enjoy discounts and free dishes at select local restaurants, bars and hotels through CCB Year Round Dining Privileges. This perk is perfect for diners loyal to popular establishments like Carriana (Chiu Chow) Restaurant, Marco’s Oyster Bar & Grill, Amazing at The Cityview & more. All in all, CCB tiramisu Platinum is a great low-maintenance card for dining out both locally and overseas.

  • Annual fee: Free
  • 0.200 miles per HK$1 dining spend
  • 0.200 miles per HK$1 overseas spend
  • 0.067 miles per HK$1 local general spend
  • Stand-Out: 0.2 miles/HK$1 local dining spend w/ waived annual fee
  • Promotions: Free year-round upgrades on Pacific Coffee handcrafted beverage orders
CCB tiramisu Platinum Credit Card offers consumers impressive miles rates on dining, both locally and overseas, all without charging an annual fee. Cardholders earn 0.2 miles per HK$1 spend on dining as well as on all spend overseas, and 0.067 miles for general local spend. CCB tiramisu Platinum also offers a perpetual fee waiver, so consumers can earn these competitive heightened dining rates without added cost.


Consumers can also enjoy discounts and free dishes at select local restaurants, bars and hotels through CCB Year Round Dining Privileges. This perk is perfect for diners loyal to popular establishments like Carriana (Chiu Chow) Restaurant, Marco’s Oyster Bar & Grill, Amazing at The Cityview & more. All in all, CCB tiramisu Platinum is a great low-maintenance card for dining out both locally and overseas.

  • Annual fee: Free
  • 0.200 miles per HK$1 dining spend
  • 0.200 miles per HK$1 overseas spend
  • 0.067 miles per HK$1 local general spend

Best UnionPay Credit Cards for Dining

Regional travellers who frequently eat out should definitely consider the cards below.

BEA UnionPay Dual Currency PLATINUM Credit Card: Highest Dining Cashback w/ UnionPay

  • 1.2% cashback on dining, 0.8% on general retail
  • Promotions: Receive HK$300 HKTV MALL Cash Coupons w/ HK$2k spend in 1st 2mo, OR:
  • Receive HK$200 cashback w/ HK$2k spend in 1st 2mo
  • Read Our Full Review
BEA UnionPay Dual Currency PLATINUM Card is great for consumers looking for boosted cashback when dining out and special conveniences during trips to mainland China. Consumers spending at least HK$2k/month can currently earn 10% cashback on mobile payments at local bakeries, coffee shops, and fast food restaurants. On top of this, cardholders also earn 1.2% cashback on other local dining and 0.8% cashback on local retail (online and offline) and overseas spend.


In terms of perks, consumers are also entitled to BEA Year-Round Privileges, which provide up to 20% off at popular local restaurants, bars & cafes. Frequent travellers to mainland China can also enjoy simplified spending with waived foreign currency transaction fees and separate account billing for HKD and RMB transactions. All in all, cardholders can earn one of the highest cashback rates on dining amongst UnionPay cards while still enjoying flexible spending in mainland China with BEA UnionPay Dual Currency PLATINUM.

  • Annual fee: HK$600, waived w/ select BEA accounts
  • 10% cashback on local mobile pay w/ fast food & more w/ HK$2k/mo spend (1.2% if below)
  • 1.2% cashback on other local dining
  • 0.8% cashback on other purchases
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived
  • Stand-Out: 1.2% cashback on dining, 0.8% on general retail
  • Promotions: Receive HK$300 HKTV MALL Cash Coupons w/ HK$2k spend in 1st 2mo, OR:
  • Receive HK$200 cashback w/ HK$2k spend in 1st 2mo
  • Read Our Full Review
BEA UnionPay Dual Currency PLATINUM Card is great for consumers looking for boosted cashback when dining out and special conveniences during trips to mainland China. Consumers spending at least HK$2k/month can currently earn 10% cashback on mobile payments at local bakeries, coffee shops, and fast food restaurants. On top of this, cardholders also earn 1.2% cashback on other local dining and 0.8% cashback on local retail (online and offline) and overseas spend.


In terms of perks, consumers are also entitled to BEA Year-Round Privileges, which provide up to 20% off at popular local restaurants, bars & cafes. Frequent travellers to mainland China can also enjoy simplified spending with waived foreign currency transaction fees and separate account billing for HKD and RMB transactions. All in all, cardholders can earn one of the highest cashback rates on dining amongst UnionPay cards while still enjoying flexible spending in mainland China with BEA UnionPay Dual Currency PLATINUM.

  • Annual fee: HK$600, waived w/ select BEA accounts
  • 10% cashback on local mobile pay w/ fast food & more w/ HK$2k/mo spend (1.2% if below)
  • 1.2% cashback on other local dining
  • 0.8% cashback on other purchases
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived

HSBC UnionPay Dual Currency Card: Customisable Cashback for Frequent Mainland Travelers

  • Choice of cashback w/ just HK$60k min. income req.
  • Promotions: Receive HK$700 cashback w/ HK$/RMB8k min. spend in 1st 2mo
HSBC UnionPay Dual Currency Card provides regional travellers with elevated cashback on their choice of categories, plus convenience when spending in China. Though cardholders earn only 0.4% cashback on general spend, those who spend HK$3k each quarter earn 2.4% cashback on their online and overseas purchases. Consumers can also apply a +2% bonus rebate to a spending category of choice–or divide it between multiple categories (local dining, spend in China/Macau & overseas transactions, home, lifestyle & entertainment)–regardless of their spend level. If this bonus is completely dedicated to dining, cardholders enjoy a competitive 2.4% rebate in the category.


HSBC UnionPay Dual Currency also stands out by simplifying regional spending with separate billing for HKD and RMB transactions and waived foreign currency transaction fees across these currencies. A 1% foreign currency transaction fee applies to transactions outside of HKD and RMB, which is still relatively competitive. The HK$300 annual fee is waived for 2 years, making this option one of the more affordable dual currency cards. Overall, HSBC UnionPay Dual Currency is a great option for consumers looking to easily earn customisable cashback and seamlessly enjoy their regional travels.

  • Annual fee: HK$300, 2-yr waiver (valid until 19 February 2020)
  • 0.4% cash rebate on general spend
  • 2.4% online & overseas w/ HK$3k spend/qtr
  • +2% bonus cashback applied across select categories
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fee waived for HKD/RMB, 1% for all other currencies
  • Stand-Out: Choice of cashback w/ just HK$60k min. income req.
  • Promotions: Receive HK$700 cashback w/ HK$/RMB8k min. spend in 1st 2mo
HSBC UnionPay Dual Currency Card provides regional travellers with elevated cashback on their choice of categories, plus convenience when spending in China. Though cardholders earn only 0.4% cashback on general spend, those who spend HK$3k each quarter earn 2.4% cashback on their online and overseas purchases. Consumers can also apply a +2% bonus rebate to a spending category of choice–or divide it between multiple categories (local dining, spend in China/Macau & overseas transactions, home, lifestyle & entertainment)–regardless of their spend level. If this bonus is completely dedicated to dining, cardholders enjoy a competitive 2.4% rebate in the category.


HSBC UnionPay Dual Currency also stands out by simplifying regional spending with separate billing for HKD and RMB transactions and waived foreign currency transaction fees across these currencies. A 1% foreign currency transaction fee applies to transactions outside of HKD and RMB, which is still relatively competitive. The HK$300 annual fee is waived for 2 years, making this option one of the more affordable dual currency cards. Overall, HSBC UnionPay Dual Currency is a great option for consumers looking to easily earn customisable cashback and seamlessly enjoy their regional travels.

  • Annual fee: HK$300, 2-yr waiver (valid until 19 February 2020)
  • 0.4% cash rebate on general spend
  • 2.4% online & overseas w/ HK$3k spend/qtr
  • +2% bonus cashback applied across select categories
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fee waived for HKD/RMB, 1% for all other currencies

HSBC Pulse UnionPay Dual Currency Diamond Card: Customisable Cashback + Luxury Perks

  • Cashback personalised to your spending habits + lounge & limo
  • Promotions: Receive HK$800 cashback w/ HK$/RMB8k min. spend in 1st 2mo
  • Read Our Full Review
HSBC Pulse UnionPay Dual Currency Diamond Card is great for consumers seeking customisable cashback and luxury convenience during their travels to China. Like its sister card, HSBC Pulse UnionPay Dual Currency, the Diamond edition also provides 0.4% cashback on general retail and 2.4% cashback online and overseas (with HK$3k spend each quarter). Cardholders can also allocate a +2.0% bonus rebate across an array of categories (local dining, entertainment, lifestyle, home, spend in China/Macau & overseas transactions). Consumers cognizant of their spending can optimise the card to their cashback needs, so foodies can max out the dining category for a remarkable 2.4% cashback on all local restaurants.


Cardholders also receive access to luxury perks such as 3 complimentary lounge visits and discounts on limousine transfer services. Consumers are billed separately for spend in RMB, and enjoy a waiver for foreign currency transaction fees between HKD, RMB and MOP. It's worth mentioning that a 1% foreign currency transaction fee applies to all other currency transactions, but this rate is still competitive compared to the 1.95% market standard. HSBC Pulse UnionPay Dual Currency Diamond is ultimately a great option for luxury perks, customisable cashback & convenience when travelling and spending in China.

  • Annual fee: HK$1.8, 2-yr waiver (valid until 19 February 2020)
  • 0.4% cash rebate on general spend
  • 2.4% online & overseas w/ HK$3k spend/qtr
  • +2% bonus cashback applied across select categories
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fee waived for HKD/RMB/MOP, 1% for all other currencies
  • Discounted limousine service & up to 3 lounge visits/yr
  • Stand-Out: Cashback personalised to your spending habits + lounge & limo
  • Promotions: Receive HK$800 cashback w/ HK$/RMB8k min. spend in 1st 2mo
  • Read Our Full Review
HSBC Pulse UnionPay Dual Currency Diamond Card is great for consumers seeking customisable cashback and luxury convenience during their travels to China. Like its sister card, HSBC Pulse UnionPay Dual Currency, the Diamond edition also provides 0.4% cashback on general retail and 2.4% cashback online and overseas (with HK$3k spend each quarter). Cardholders can also allocate a +2.0% bonus rebate across an array of categories (local dining, entertainment, lifestyle, home, spend in China/Macau & overseas transactions). Consumers cognizant of their spending can optimise the card to their cashback needs, so foodies can max out the dining category for a remarkable 2.4% cashback on all local restaurants.


Cardholders also receive access to luxury perks such as 3 complimentary lounge visits and discounts on limousine transfer services. Consumers are billed separately for spend in RMB, and enjoy a waiver for foreign currency transaction fees between HKD, RMB and MOP. It's worth mentioning that a 1% foreign currency transaction fee applies to all other currency transactions, but this rate is still competitive compared to the 1.95% market standard. HSBC Pulse UnionPay Dual Currency Diamond is ultimately a great option for luxury perks, customisable cashback & convenience when travelling and spending in China.

  • Annual fee: HK$1.8, 2-yr waiver (valid until 19 February 2020)
  • 0.4% cash rebate on general spend
  • 2.4% online & overseas w/ HK$3k spend/qtr
  • +2% bonus cashback applied across select categories
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fee waived for HKD/RMB/MOP, 1% for all other currencies
  • Discounted limousine service & up to 3 lounge visits/yr

Best Dining Cards for High Spenders

These cards offer wealthier consumers luxury perks and impressive rewards.

HSBC Visa Signature Card: Limitless Cashback Across Choice of Categories

  • 1.6% rebate in key categories plus 2% bonus allocated by user
  • Promotions: Receive HK$700 cashback w/ HK$/RMB8k min. spend in 1st 2mo
  • Read Our Full Review
HSBC Visa Signature Card is fantastic for high-spenders looking to earn significant cashback coupled with exclusive dining perks. The card has a notably high minimum annual income requirement of HK$360k, making it less accessible to everyday consumers. Nonetheless, consumers who opt for HSBC Visa Signature can enjoy a 1.6% rebate across a variety of categories, including local dining, home, lifestyle, entertainment, spend in China, and overseas transactions. By spending just HK$3k a quarter, consumers earn heightened rebate rates of 3.6% on their overseas purchases and 2.4% online. Cardholders also receive a +2.0% bonus rebate that can be applied to 1 category of choice or split across multiple categories, with no minimum spend requirements.


As for perks, cardholders enjoy both Visa Signature and HSBC Year-Round Dining Privileges, which offer up to 20% off at popular local cafes, restaurants & steakhouses. Paired with the potential max of 3.6% uncapped cashback on local dining, these perks make it even easier to save when eating out, all without limiting total earning potential. Overall, HSBC Visa Signature Card allows consumers to customise cashback according to their spending behaviour, offering the chance to maximise dining rewards at rates far above the market standard.

  • Annual Fee: HK$2K, 2-yr waiver (valid until 19 February 2020)
  • 1.6% rebate on select categories
  • +2% bonus rebate, applied across categories
  • +2% bonus rebate on online and overseas spend w/ HK$3k spend/qtr
  • 1 free lounge visit/mo w/ single HK$1.5k transaction
  • Visa Signature and HSBC Year-Round Offers
  • Stand-Out: 1.6% rebate in key categories plus 2% bonus allocated by user
  • Promotions: Receive HK$700 cashback w/ HK$/RMB8k min. spend in 1st 2mo
  • Read Our Full Review
HSBC Visa Signature Card is fantastic for high-spenders looking to earn significant cashback coupled with exclusive dining perks. The card has a notably high minimum annual income requirement of HK$360k, making it less accessible to everyday consumers. Nonetheless, consumers who opt for HSBC Visa Signature can enjoy a 1.6% rebate across a variety of categories, including local dining, home, lifestyle, entertainment, spend in China, and overseas transactions. By spending just HK$3k a quarter, consumers earn heightened rebate rates of 3.6% on their overseas purchases and 2.4% online. Cardholders also receive a +2.0% bonus rebate that can be applied to 1 category of choice or split across multiple categories, with no minimum spend requirements.


As for perks, cardholders enjoy both Visa Signature and HSBC Year-Round Dining Privileges, which offer up to 20% off at popular local cafes, restaurants & steakhouses. Paired with the potential max of 3.6% uncapped cashback on local dining, these perks make it even easier to save when eating out, all without limiting total earning potential. Overall, HSBC Visa Signature Card allows consumers to customise cashback according to their spending behaviour, offering the chance to maximise dining rewards at rates far above the market standard.

  • Annual Fee: HK$2K, 2-yr waiver (valid until 19 February 2020)
  • 1.6% rebate on select categories
  • +2% bonus rebate, applied across categories
  • +2% bonus rebate on online and overseas spend w/ HK$3k spend/qtr
  • 1 free lounge visit/mo w/ single HK$1.5k transaction
  • Visa Signature and HSBC Year-Round Offers

Citi Cash Back Card: Global Uncapped Dining Cashback

  • 2% unlimited rebate on global dining, hotels & overseas spend
  • Promotions: Receive HK$700 cashback w/ HK$10k min. spend in 1st 2mo, OR:
  • Tea set for 2 at Mandarin Oriental w/ HK$10k min spend in 1st 2 mo, OR:
  • HK$800 Wellcome Coupon w/ HK$10k min spend in 1st 2 mo
  • Read Our Full Review
Citi Cash Back Card is excellent for consumers looking to earn impressive dining rebates both locally and overseas. Cardholders earn an unlimited 2% rebate on global dining, hotel & foreign currency spend, as well as 1% cashback on all local spend. Therefore, high spenders–who otherwise might feel limited by cashback caps–can take advantage of elevated cashback anywhere in the world, with no rewards limits.


In addition to offering boosted cashback on dining (which is a major part of most consumers’ spend), Citi Cash Back also provides cardholders with access to Citi World Privileges, which include up to 10% discounts at an array of fine dining establishments internationally. Ultimately, Citi Cash Back allows high spenders, whether they’re visiting their favourite restaurant down the street or eating out in Shanghai, to easily enjoy dining discounts and earn uncapped rewards.

  • Annual fee: HK$1.8k, 1st yr waiver
  • 2% cashback on local and overseas dining & hotel spend
  • 2% cashback on all spend in foreign currency
  • 1% on all other spend
  • Purchase Protection up to US$7.6k
  • Stand-Out: 2% unlimited rebate on global dining, hotels & overseas spend
  • Promotions: Receive HK$700 cashback w/ HK$10k min. spend in 1st 2mo, OR:
  • Tea set for 2 at Mandarin Oriental w/ HK$10k min spend in 1st 2 mo, OR:
  • HK$800 Wellcome Coupon w/ HK$10k min spend in 1st 2 mo
  • Read Our Full Review

Citi Cash Back Card is excellent for consumers looking to earn impressive dining rebates both locally and overseas. Cardholders earn an unlimited 2% rebate on global dining, hotel & foreign currency spend, as well as 1% cashback on all local spend. Therefore, high spenders–who otherwise might feel limited by cashback caps–can take advantage of elevated cashback anywhere in the world, with no rewards limits.


In addition to offering boosted cashback on dining (which is a major part of most consumers’ spend), Citi Cash Back also provides cardholders with access to Citi World Privileges, which include up to 10% discounts at an array of fine dining establishments internationally. Ultimately, Citi Cash Back allows high spenders, whether they’re visiting their favourite restaurant down the street or eating out in Shanghai, to easily enjoy dining discounts and earn uncapped rewards.

  • Annual fee: HK$1.8k, 1st yr waiver
  • 2% cashback on local and overseas dining & hotel spend
  • 2% cashback on all spend in foreign currency
  • 1% on all other spend
  • Purchase Protection up to US$7.6k

Standard Chartered Asia Miles Mastercard: Unlimited Miles + Boost for Banking Customers

  • Up to 1.25mi/HK$1 on dining + rewards for SC banking activity
  • Promotions: Earn up to 5k miles on 1st HK$1k spend in 1st 2mo
  • Earn up to 13k miles on next HK$6.5k spend in 1st 2mo
  • Earn up to 22k miles on next HK$ 88k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Read Our Full Review
Standard Chartered Asia Miles Mastercard is perfect for frequent travellers interested in rapidly accumulating miles when dining out. Consumers earn 0.25 miles per HK$1 spend on dining, and those willing to eat at select local restaurants can earn a heightened rate of 0.75 miles per HK$1 spend, boosted further to 1.25 mile per HK$1 on Mondays. Cardholders also earn 0.25 miles per HK$1 spend online and overseas, and 0.167 miles on general spend, making the card competitive across all categories. High spenders in particular benefit from the lack of a rewards cap on miles earned, allowing them to earn potentially unlimited miles.


SC banking account holders can earn even more by engaging with Premium or Priority products and services (only available to customers maintaining minimum average daily relationship balances of HK$200,000 and HK$1 million respectively). More specifically, cardholders earn up to 70 miles/month per product category: structured deposits, general investments, insurance, personal loans, mortgage loans, payroll accounts & online banking. What's more, those holding Priority, Premium or Bonus Payroll accounts enjoy waived annual fees. Overall, high spenders–especially those loyal to Standard Chartered–can easily earn miles on dining & more while enjoying rewards for their existing accounts with Standard Chartered Asia Miles.

  • Annual fee: HK$2,000, 1st yr waiver, waived w/ select Standard Chartered accounts
  • 0.750 miles per HK$1 spend with select local restaurants (1.250 miles on Mondays)
  • 0.250 miles per HK$1 dining, overseas & online spend
  • 0.167 miles per HK$1 other local spend
  • Earn up to 490 miles/mo with designated SC banking services
  • Stand-Out: Up to 1.25mi/HK$1 on dining + rewards for SC banking activity
  • Promotions: Earn up to 5k miles on 1st HK$1k spend in 1st 2mo
  • Earn up to 13k miles on next HK$6.5k spend in 1st 2mo
  • Earn up to 22k miles on next HK$ 88k spend in 1st 2mo
  • Receive HK$100 cashback w/ online banking login in 1st 2mo
  • Read Our Full Review
Standard Chartered Asia Miles Mastercard is perfect for frequent travellers interested in rapidly accumulating miles when dining out. Consumers earn 0.25 miles per HK$1 spend on dining, and those willing to eat at select local restaurants can earn a heightened rate of 0.75 miles per HK$1 spend, boosted further to 1.25 mile per HK$1 on Mondays. Cardholders also earn 0.25 miles per HK$1 spend online and overseas, and 0.167 miles on general spend, making the card competitive across all categories. High spenders in particular benefit from the lack of a rewards cap on miles earned, allowing them to earn potentially unlimited miles.


SC banking account holders can earn even more by engaging with Premium or Priority products and services (only available to customers maintaining minimum average daily relationship balances of HK$200,000 and HK$1 million respectively). More specifically, cardholders earn up to 70 miles/month per product category: structured deposits, general investments, insurance, personal loans, mortgage loans, payroll accounts & online banking. What's more, those holding Priority, Premium or Bonus Payroll accounts enjoy waived annual fees. Overall, high spenders–especially those loyal to Standard Chartered–can easily earn miles on dining & more while enjoying rewards for their existing accounts with Standard Chartered Asia Miles.

  • Annual fee: HK$2,000, 1st yr waiver, waived w/ select Standard Chartered accounts
  • 0.750 miles per HK$1 spend with select local restaurants (1.250 miles on Mondays)
  • 0.250 miles per HK$1 dining, overseas & online spend
  • 0.167 miles per HK$1 other local spend
  • Earn up to 490 miles/mo with designated SC banking services
Jacob Weiss

Jacob is a Junior Research Analyst at ValueChampion, focusing on credit cards and other consumer financial products. Previously, he covered hedge funds and long only products for Cambridge Associates. He holds a B.S. in Finance from the University of Maryland and has passed Level 1 of the CFA exam.