14 Best Credit Cards for Dining: Make Food Trips Worth It

Food is one of the greatest pleasures in life. You eat to nourish your body and discover new flavors, appreciate other cultures, and socialize. 

If you’re a big eater, a credit card that matches your lifestyle will amplify your gastronomic experience through exciting rewards and exclusive perks. But how should you find the best one for you?

Whether you’re a foodie new to credit cards or a culinary explorer looking for a secondary card exclusively for your dining bills, you’re in for a treat. We’ve compiled a list of the best credit cards for dining in the Philippines. 

What is the Best Credit Card for Dining in the Philippines?

The credit cards listed here offer various dining-related perks and practical privileges, such as 0% installment, free insurance, and rebates. Here's a glance at some of them:

Read the features carefully to find the best credit card for dining. 

🍽️ UnionBank Rewards Credit Card 

• Annual fee: ₱2,500
• Interest rate: 3%
• Minimum monthly income requirement: ₱15,000
• Key features: 
  • 3x points at restaurants, shopping boutiques, department stores
  • 1 rewards point for every ₱35 spend

Do you dine out a lot? Make the most out of every meal with the UnionBank Rewards Credit Card. 

Earn 3x points while using your card at your favorite restaurants. You also get 1 rewards point for every ₱30 spend, regardless of the category. 

Plus, you can use your card to avail of exclusive UnionBank promos at restaurants such as Kuya J, Yellowcab, Spiral, and more!

🍽️ Metrobank World Mastercard^®

• Annual fee: ₱6,000 (waived for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱333,333
• Key features: 
  • 50% off dining offers at participating merchants
  • 1 rewards point for every  ₱20 spend
  • 2x points for international purchases
  • Lounge membership and exclusive airport discounts at more than 1,000 airports and 500 airport lounges worldwide

🍽️ Metrobank Platinum Mastercard^® 

• Annual fee: ₱5,000 (waived for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱58,333
• Key features: 
  • 50% off dining offers at participating merchants
  • 1 rewards point for every ₱20 spend
  • Automatic worldwide insurance for online purchases with e-Commerce Protection

Love splurging on the best culinary experiences? With the Metrobank World and Platinum Mastercard^®, you can save money while treating yourself. Enjoy up to 50% off on luxurious meals at participating merchants.

Plus, you can easily accumulate points every time you dine out with 1 rewards point for every ₱20 spend!

🍽️ HSBC Red Mastercard 

• Annual fee: ₱2,500 (waived for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱16,667
• Key features: 
  • Up to 4x bonus points on dining 
  • 1 bonus point for every ₱20 spend
  • 0% installment plans of up to 36 months
  • 6% rebate on fuel expenses 

The HSBC Red Mastercard is the best credit card for dining aficionados and road trip lovers. Other than letting you earn up to 4x points on dining, you can enjoy a 6% rebate on your first Caltex fuel purchase. You’ll get a 3% rebate on your fuel expenses for the rest of the year. 

Love traveling abroad? Just whip out your HSBC Red Mastercard for a more rewarding shopping experience. Your card is accepted at over 27,000 establishments in 160 countries, regions, or territories. 

Another noteworthy feature of the HSBC Red Mastercard is that you can enjoy an annual fee waiver in your first year. 

Read more:

• Moneymax Reviews: 4x the Fun with HSBC Red Mastercard
• Lavish Lifestyle for Less: Best HSBC Credit Card Promos This 2023

🍽️ HSBC Gold Visa Cashback

• Annual fee: ₱2,500
• Interest rate: 3%
• Minimum monthly income requirement: ₱16,667
• Key features: 
  • 5% cashback on dining transactions
  • 1% cashback on department store and overseas spend 
  • 0.5% cashback for all other transactions

If you want to earn big points every time you dine, the HSBC Gold Visa Cashback card can help. Use it to pay for your food purchases and earn 5% cashback. This offer is available all year round, so you have plenty of opportunities to maximize it. 

The HSBC Gold Visa Cashback card earns you 0.5% cashback for other transactions. You also enjoy a 3% rebate on fuel purchases at participating Caltex stations nationwide. 

🍽️ Security Bank Complete Cashback Platinum Mastercard

• Annual fee: ₱3,000
• Interest rate: 3%
• Minimum monthly income requirement: ₱65,000
• Key features: 
  • 2% cashback on dining  
  • 5% cashback on groceries, 4% on gas, and 3% on utilities
  • Year-round cashback 
  • E-commerce purchase protection 

The Security Bank Complete Cashback Platinum Mastercard entices foodies with 2% cashback on dining. On top of that, you get exclusive Mastercard discounts and deals at partner restaurants. 

The card entitles you to other cashback on other expenses: 5% on groceries, 4% on gas, and 3% on utilities. The best thing about this card’s cashback is that you can earn it all year round. It’s also credited instantly to your account, thus allowing you to save on your monthly credit card bills. 

Read more: Secure These Deals: Top Security Bank Credit Card Promos to Enjoy

🍽️ BPI Amore Platinum Cashback Card

• Annual fee: ₱5,000
• Interest rate: 3%
• Minimum monthly income requirement: ₱83,333
• Key features: 
  • Up to 4% cashback on dining or online food purchase  
  • Up to 1% cashback on department stores and supermarkets 
  • 0% installment plans 

If your sport is earning big points through eating out, consider the BPI Amore Platinum the best credit card for restaurants. You can get up to 4% cashback when you dine or buy food online. 

On the other hand, you’ll earn up to 1% cashback on shop purchases, including those made at supermarkets and department stores.

The cashback rates above are applicable even if you spend at least ₱1,000 using this BPI credit card. The card also gives you a 5% discount on movie tickets, complimentary parking tickets (as a welcome gift), and access to family and customer lounges at Ayala Malls. 

Read more:

• An Online Shopper’s Best Friend: What is the BPI eCredit Card? 
• Tap It, Save Big: Top BPI Credit Card Promos for 2023

🍽️ UnionBank Classic Visa Card 

• Annual fee: ₱1,500
• Interest rate: 3%
• Minimum monthly income requirement: ₱15,000
• Key feature: 1 rewards point for every ₱35 spend

If you’re a credit card newbie looking for great value, the UnionBank Classic Visa Card is the best credit card for dining in the Philippines and online shopping. Every time you dine and shop with this card, you get 1 rewards point for every ₱35 spend. 

🍽️ UnionBank Racks Visa Card 

• Annual fee: ₱1,500
• Interest rate: 3% 
• Minimum monthly income requirement: ₱50,000
• Key features: 
  • 1 rewards point for every ₱20 spend
  • Dining freebies
  • Birthday treat  

Love saucy, fall-off-the-bone ribs? If yes, the UnionBank Racks Visa card is a must-have for you. 

When you use this card at Racks for the first time, you’ll get a free Classic Caesar Salad for a minimum purchase of ₱800. Other freebies include Large Mac and Cheese for every ₱500 purchase, Memphis Pound Cake for every ₱1,000 purchase, and a single Carbonara for every ₱1,500 purchase. 

If you celebrate your birth month at any Racks branch, you’ll get a free Apple Pie a la Mode. No minimum purchase is required. 

🍽️ UnionBank Burgoo Visa Card 

• Annual fee: ₱1,500
• Interest rate: 3%
• Minimum monthly income requirement: ₱50,000
• Key features: 
  • 1 rewards point for every ₱20 spend
  • Party package plan 
  • Birthday treat 

The UnionBank Burgoo Visa card is the best credit card for eating out with families and friends. It entitles you to up to 15% year-round dining discounts, making it ideal for big purchases. You can avail of this perk not only at Burgoo but also at Gumbo and Eat&Go.^[1]

Use your UnionBank Burgoo Visa card for the first time at any Burgoo branch to get a free appetizer. Meanwhile, your birthday treat includes up to 20% discount. 

If you’re celebrating a special occasion at Burgoo, you can use your card to avail of the 0% installment for three months on a party package.  

🍽️ RCBC Flex Visa 

• Annual fee: ₱1,500
• Interest rate: 3%
• Minimum monthly income requirement: ₱15,000
• Key features: 
  • 2x rewards points on dining
  • Free purchase protection insurance
  • Free travel insurance worth up to ₱50,000 

As its name suggests, the RCBC Flex Visa card is a versatile option if you’re looking for the best credit card for eating out, shopping, and traveling. You can get 2x rewards points in two preferred spending categories. You can even switch to new categories every billing cycle.^[2] 

If you love flying to new places to explore different cuisines, enroll in the AIRMILES Program. The points under this program don’t expire and can give you free flights if you’ve accumulated enough of them. The RCBC Flex Visa also gives you access to the Marhaba/Skyview Airport Lounge.   

Read more: Make Spending Rewarding: RCBC Credit Card Promos to Grab

🍽️ PNB Platinum Mastercard

• Annual fee: ₱3,000
• Interest rate: 3%
• Minimum monthly income requirement: ₱50,000
• Key features: 
  • 1 rewards point for every ₱70 dining spend
  • Free purchase protection insurance
  • Free travel insurance worth up to ₱3 million 

The best dining rewards credit card should not only give you premium dining privileges but also the most bang for your buck. Whether treating yourself to the best restaurants and coolest cafes or shopping the latest fashion at the hippest stores, you enjoy flexible reward options with your PNB Platinum Mastercard. 

Earn one reward point for every ₱70 dining spend, which you can accumulate and redeem for Mabuhay Miles or Cash Credits. You also get billed in pesos even for your transactions overseas. 

🍽️ AUB Gold Mastercard

• Annual fee: Waived for life
• Interest rate: 3%
• Minimum monthly income requirement: ₱50,000
• Key features: 
  • 1 rewards point for every ₱70 dining spend
  • Complimentary airport lounge access 
  • Mabuhay Miles Frequent Flyer Program

The AUB Gold Mastercard is perfect for people ready for next-level privileges. If you love dining out, it’s the ideal credit card companion as you earn one rewards point for every ₱50 spent. 

If you love traveling and trying out new cuisines, you can convert your AUB Rewards Points to Mabuhay Miles to get free flights or service class upgrades on Philippine Airlines for the most rewarding experience. 

🍽️ China Bank Cash Rewards Mastercard

• Monthly fee: ₱299 (waived for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱20,833
• Key features: 
  • Premium dining privileges 
  • Up to 6% cash rebate
  • 0% installment options

Another option for the best cashback credit card for dining is the China Bank Cash Rewards Mastercard. This must-have rebate card unlocks premium dining deals and discounts at participating restaurants. More importantly, you earn up to a 6% cash rebate for all your qualified spending.  

Best Credit Card for Dining: FAQs

1. Is using a credit card for dining out a good idea?

Yes. Generally, it’s perfectly fine to pay with cash. But if you want to be rewarded for your spending, pay with your credit card and earn points or cashback. 

2. How to get the most out of a credit card for dining? 

Choose the best credit card for dining by finding one that suits your dining preferences and matches your spending. Consider also what else it offers, such as welcome gifts, partner restaurants, or rotating deals.

More importantly, read and understand the terms and conditions, including ways to earn bonus points and the card’s spending limits. 

Final Thoughts 

Looking for the best credit card for dining in the Philippines shouldn’t be a challenge since many banks offer it. One great thing about such cards is that you can use them for other purchases, such as groceries and travel. 

Can’t decide which card to get? Let Moneymax help you! Use our free comparison tool to find the card that suits you best. 

Sources: 

• ^[1] UnionBank Burgoo Visa Card 
• ^[2] RCBC Flex Visa