Best Dining Credit Cards in Malaysia 2026
If you eat out or order in often, a dining card turns your food spending into cashback or rewards. The best dining cards in Malaysia reward restaurants, cafés and food delivery — some bundle in weekend bonuses or extra points on F&B. Here are the top picks ranked by value.
30 cards · ranked by overall value
Up to 10% cashback on petrol, groceries, dining & Grab (cap RM15/category/mo)
15% cashback on petrol, groceries & dining (min RM2,500/mo spend, capped RM40/mo)
Up to 12% cashback at PETRONAS/Setel (RM4,000+ statement balance; 6% below that), capped RM60/mo
Up to 10% cashback on 6 everyday categories (Islamic)
10% cashback on groceries, dining, online & public transport (capped RM10/mo each)
8% cashback on petrol at PETRONAS (capped RM50/mo)
8% cashback on dining, groceries & online spend (capped RM30/mo)
8% AEON cashback on Thank-You Days + 5% dining
Up to 8% cashback + global lounge access (Islamic)
Up to 6% cashback on domestic, overseas & petrol spend (RM3,500+/mo)
Up to 5% cashback on petrol, dining, utilities & groceries (10% online) — capped RM10/mo each, needs RM2,500+/mo spend
Up to 5% cashback on dining, shopping & entertainment (capped RM30/category, max RM90/mo)
Up to 5% everyday cashback with free takaful (Islamic)
Up to 3% everyday cashback, low income entry (Islamic)
3x VIP Points per RM1 overseas retail + 2% Cash Back on dining & online
Unlimited airport lounge access + Malaysia Airlines Business Class upgrade (SC Priority Private, AUM ≥ RM3m)
5% cashback on weekends: dining, groceries & petrol
3 BonusLink Points per RM1 at Shell & Parkson (capped 3,000 BLP/statement cycle)
10x UNIRM per RM1 overseas spend (≈0.83 miles/RM1)
10x points/RM1 overseas dining & shopping + 8 airport lounge visits/yr (SC Priority Banking, AUM ≥ RM350k)
Up to 5X GrabRewards Points per RM1 on Grab spend
5x Bonus Points per RM1 on dining, petrol & groceries
10x OCBC$ per RM1 on weekend dining, grocery & shopping (5x on weekdays)
10x UNI$ per RM5 on fashion, beauty & dining (1 selected category)
5x Rewards Points per RM1 on dining & petrol
Free-for-life Man Utd fan card with match-win bonus points
8x points on online, groceries, dining & overseas
Free-for-life Islamic Platinum, 2x dining & travel points
3x overseas points + RM1m travel insurance
8x points + 8x lounge visits (CIMB Preferred)
How we rank these cards
We shortlist cards relevant to dining and order them by overall value — headline reward rate, the breadth of benefits, and how accessible the income requirement is — with featured cards surfaced first. Rates and promotions are indicative and time-limited; always confirm the latest terms with the bank before applying. Not financial advice.
Dining credit cards — FAQ
Which credit card is best for dining in Malaysia?
Look for cards that pay extra cashback or points specifically on dining and food delivery. Some cards boost the rate on weekends. Match the card's bonus categories and any cap to how much you typically spend eating out.
Do dining cards cover food delivery apps?
Many do — food delivery is often billed as a dining or e-commerce merchant. Check each card's terms, as some count delivery under dining (bonus rate) while others treat it as general online spend (base rate).
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