Credit Cards with Dining Benefits

Ranked by estimated first-year value after fees. Uses each offer's best redemption, assumes the bonus is earned and the balance is paid in full.

1. The American Express Platinum Card Referral Offer

American Express points

$1,450 annual fee

Referral offerHow referrals work

Offer

225,000 American Express points

Up to $400 Global Dining Credit per redemption period at 2,000+ restaurants ($200 at participating restaurants in Australia and $200 at participating restaurants abroad). A one-time enrolment is required; benefit ends 31 December 2026.

Spend $5,000 in 90 days (~$1,667/mo)

Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback offsets the $1450 fee.

Estimated value after fees $1,408

Velocity flights

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2. Qantas Premier Titanium

Qantas points

$1,200 annual fee

Offer

150,000 Qantas points

Complimentary Qantas Wine Premium Membership ($99 annual fee waived while primary cardholder): curated wine, Champagne, beer and spirits, free delivery, plus 3 bonus Qantas Points per dollar at Qantas Wine.

Spend $5,000 in 90 days (~$1,667/mo)

Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. High $1200 fee — make sure you'll use the perks.

Estimated value after fees $1,300

Qantas flights

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