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Dining Credit Cards FAQ

Got a big appetite for always dining out? These cards will unlock rewarding dining deals and discounts.

What is a dining credit card?

Make your dining experiences more rewarding with a dining credit card. Take advantage of exclusive complementary food and drinks, dining deals, and discounts when you pay your dining bill with a dining credit card.

How does a dining credit card work, and what are the benefits?

Dining credit cards grant more points on your dining spend, access to card exclusive freebies on food and drinks, and even rebates on your dining bills! On top of that, you also get regular credit card perks like miles, rewards redemption, and rebates for other spending categories.

What is the best credit card for dining?

There are different dining cards tailored for different individuals. Dining credit cards come in different types - rewards, cash back, and even travel. Depending on the type of rewards you wish to get for your dining spend, it’s important that your credit card aligns with this preference.

Union Bank Racks Visa Card

A credit card from Union Bank that provides exclusive deals from Racks, home of the best flame grilled ribs in town. Other than earning reward points for using the card at Racks, you will also be entitled to certain privileges that their loyalty card holders get.

  • Minimum income requirement: ₱50,000
  • Annual fee: ₱1,500

Key features:

  • Earn 1 point for every ₱20 you spend with your Racks Visa Card. Redeem your points for free dining vouchers at Racks.
  • Enjoy a FREE Classic Caesar Salad when you use your Racks VISA Card the first time with a minimum purchase of ₱800 at any Racks branch.
  • Enjoy free dishes for a minimum purchase at Racks.
  • Come celebrate your birth month at any Racks restaurant where you'll get a free Apple Pie A la Mode for dessert.

Citi Rewards Credit Card

Earn reward points every time you pay with this card. These points can then be used pay at more than 1,000 stores, restaurants, and cinemas nationwide. You can also exchange your points for airline miles or free Cebu Pacific flights or pay for your annual fee. It’s not exclusively a dining credit card but paying for your dining bills will still be as rewarding (if not more) as getting other dining cards with this.

  • Minimum income requirement: ₱20,800
  • Annual fee: ₱2,500

Key features:

  • Earn 3x Rewards Points when you shop and dine.
  • Earn Points at the rate of 1 Point for every ₱30.00 retail spend.
  • Convert your Rewards Points to airline miles like GetGo to get free airline tickets.
  • Turn Points into Rewards
  • Cardholders get exclusive deals and discounts

RCBC Bankard LJC Card

The ultimate credit card for foodies. This card grants access to discounts and perks for multiple dining destinations by the renowned LJC Restaurant Group. Exclusive restaurant perks, privileges, and discounts all throughout the year await its cardholders.

  • Minimum income requirement: ₱19,167
  • Annual fee: ₱960

Key features:

  • Get a Free bottle of wine as welcome gift.
  • Birthday discount.
  • Load of discounts and freebies from highly esteemed LJC restaurant Group.
  • 10% DISCOUNT all year round on your total bill each time you use your card at any LJC restaurant: Abe, Lorenzo’s Way, Café Adriatico, Café Havana, Café Adriatico Express, Fely J’s Kitchen, Bistro Remedios, Larry’s Café & Bar, Abe’s Farm.
  • Earn one (1) rewards point each time you charge ₱100 from gas stations to your card.
  • Earn one (1) rewards point each time you charge ₱100 from your card for all your travel spends.

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