Dining out is more than just a meal—it's an experience. Whether you're enjoying a casual lunch with friends or indulging in a fine dining evening, the right credit card can enhance your culinary adventures by offering rewards, discounts, and exclusive perks. In the Philippines, several credit cards cater specifically to food enthusiasts, providing benefits that make every dining occasion more rewarding.
This guide explores the best dining credit cards available in the Philippines, highlighting their unique features and benefits. From cashback offers to exclusive dining deals, we'll help you choose the perfect card to complement your gastronomic lifestyle.
Read more: The Best UnionBank Credit Cards in the Philippines 2025
6. BPI Amore Platinum Cashback Card
Read more: BPI Credit Card Comparison Review: Which One is Right for You?
Read more: Credit Cards by Metrobank
Read more: HSBC Credit Card Application: Requirements, Steps, and More
These dining credit cards in the Philippines offer exclusive deals and perks at specific restaurants. Please note that these offers may vary depending on the current promotions, and cardholders should check with their card issuer or directly at the restaurant for the most up-to-date information on discounts, special offers, and participating restaurants. Here are some notable partnerships:
🍽️ UnionBank Cash Back Visa Platinum
The UnionBank Cash Back Visa Platinum Credit Card offers competitive dining perks and exclusive discounts at various partner restaurants, making it an excellent option for frequent restaurant-goers and food lovers. The cashback is automatically credited to your account, so there's no need for manual redemption. With an annual fee of ₱3,000, a minimum income requirement of ₱360,000 per year, and an interest rate of 3% per month, this card combines affordability with substantial rewards for dining. While focused on dining, it also offers cashback on other everyday expenses, reinforcing its value as a practical lifestyle card for savvy spenders.
Enjoy 50% off at select partner restaurants[1], including:
🍽️ HSBC Live+ Credit Card
The HSBC Live+ Credit Card offers up to 8% cashback on dining transactions, including dine-in, takeout, and delivery, making it perfect for food lovers. Cardholders also enjoy exclusive discounts at partner restaurants, such as 15% off à la carte menus. With an annual fee of ₱2,500, a minimum income requirement of ₱500,000 per year, and a 3% monthly interest rate, this card combines excellent dining rewards with versatile benefits for everyday spending.
HSBC Live+ Credit Cardholders can enjoy discounts at various partner restaurants[2]:
🍽️ Metrobank Titanium Mastercard, Metrobank World Mastercard
The Metrobank Titanium Mastercard® offers double rewards points (1 point per ₱20) on dining, plus access to exclusive restaurant discounts of up to 50% off at select partners like Kimpura and Gloria Maris. With an annual fee of ₱1,200 (waived with ₱250,000 annual spend) and a minimum income requirement of ₱180,000, it’s an affordable choice for diners who enjoy earning and redeeming points on meals.
The Metrobank World Mastercard® is ideal for those seeking premium dining perks, offering up to 50% off at luxury partner restaurants and accelerated rewards on purchases. With an annual income requirement of ₱700,000, this card delivers elevated privileges and strong value for frequent diners.
Enjoy exclusive discounts at select partner restaurants[3], such as:
🍽️ BPI Amore Cashback Card
BPI Amore Cashback Cardholders can enjoy discounts at various partner restaurants[4]:
Choosing the best dining credit card in the Philippines involves considering various factors, including cashback rates, reward categories, redemption options, and point expiration policies. By evaluating your spending habits and preferences, you can select a card that aligns with your lifestyle and maximizes your dining rewards.
Remember, the best credit card is one that complements your needs, offering maximum rewards and benefits tailored to your everyday expenses. Whether you're looking for high cashback on dining, exclusive restaurant deals, or flexible redemption options, there's a credit card designed to enhance your dining experiences. Explore and compare your options today using Moneymax’s credit card comparison tool.
Sources:
[1] UnionBank Credit Card Discounts and Promos
[4] BPI Promotions