Best Credit Cards For Your Fast Food Cravings & Late Night Supper Runs at McDonald’s

Emma Lam

Emma Lam

Last updated 01 January, 2024

From crispy hashbrowns to indulgent Big Macs, these dining credit cards will stretch your dollar and score major discounts off your favourite McDonald’s menu items.

Best for dining in & takeaway: OCBC 365 Card | Citi Cash Back Card | HSBC Revolution Card | UOB Lady’s Card
Best for food delivery: UOB EVOL Card | OCBC Frank Card | Maybank Family & Friends Card | Citi Rewards Card 

Raise your hand if you can’t get enough of Big Macs and McGriddles like us! 🤚🏼 

With over 136 outlets islandwide, McDonald’s is a staple fast food chain patronised by thousands of Singaporeans daily; and yet, so many customers fail to maximise their Maccas orders with the best cashback, miles, or rewards credit cards.

Regardless of whether you prefer chasing cashback, accumulating miles, or collecting rewards points, you should definitely make every penny count – even for fast food.

In this article, we’ll break down which are the best credit cards to use at McDonald’s to earn that extra rebate for your cheeseburger and fries.

Table of contents

CASHBACKAIRMILES_BLOGARTICLE_800x250@2x

🆚SingSaver's Cashback vs Miles Campaign (Round 1) 🆚: Are you Team Cashback or Team AirMiles?

Receive rewards of up to S$370 Voucher or up to 34K Miles when you sign up for any participating Cashback or Miles Credit Card, respectively, within the promo period. The team with the most applications wins the rewards! Promo runs from 8 May, 5pm - 21 May 2024. T&Cs apply.

Plus, get up to 31x chances to win a Pair of RETURN Business Class Tickets to Switzerland, Zurich (worth 320K Max Miles) in the Grand Lucky Draw when you successfully apply for participating products. Promo runs from 8 May, 5pm - 21 May 2024. T&Cs apply.

Click here to check out our past Lucky Draw winners!

 


Overview: Best credit cards to use at McDonald’s 2024

Note: “X mpd” refers to “X miles per S$1 spend”.

Credit card
Credit card type
Key benefits & requirements
OCBC 365 Card
OCBC365
Cashback 💵
5% cashback on dining & food delivery

Min. S$800/ S$1,600 monthly spend
 
Capped at S$80/ S$160 cashback per month
Citi Cash Back Card
Citi-Cash-Back-Master-Credit-Card_2
Cashback 💵
6% cashback on dining

Min. S$800 monthly spend
 
Capped at S$80 cashback per month

Cashback T&Cs
Other T&Cs
UOB EVOL Card
uob-evol-1024x644
Cashback 💵
8% on dining and food delivery via online or mobile contactless spend
 
Min. S$600 monthly spend
 
Capped at S$60 cashback per month, S$20 per category
HSBC Revolution Card
HSBC-Revolution-New
Miles ✈️ / Rewards Points 🛍️
10X Rewards Points (4 mpd) on dining via online and mobile contactless spend
 
No min. spend

Bonus points/miles capped at S$1,000 spend per month
  • 1X Base Point (0.4 mpd)
  • 9X Bonus Point (3.6 mpd)
UOB Lady’s Card / UOB Lady’s Solitaire Card
uob-ladys-card

uob-ladys-solitaire-card

 

Miles ✈️ / Rewards Points 🛍️
10X UNI$ per S$5 spend (4 mpd) on chosen category(ies) (e.g. dining)
 
Must choose “Dining” as preferred Bonus UNI$ spend category
 
No min. spend
 
Bonus points/miles capped at: 
  • S$1,000 spend per month (UOB Lady’s Card)
  • S$2,000 spend per month (UOB Lady’s Solitaire Card)
UNI$ are calculated in S$5 blocks, rounded down to the nearest S$5 per transaction
 
OCBC Frank Card
ocbc-frank
Cashback 💵
8% cashback on food delivery via online and mobile contactless spend
 
Min. S$800 monthly spend
 
Capped at S$100 cashback per month, S$25 per category
Maybank Family & Friends Card
maybank-family-friends-mastercard
Cashback 💵
8% cashback on dining & food delivery as chosen category
 
Min. S$800 monthly spend
 
Capped at S$125 cashback per month, S$25 per category
 
Three-year annual fee waiver
Citi Rewards Card
CitiRewardsMC
Miles ✈️ / Rewards Points 🛍️
10X Rewards Points (4 mpd) on online food delivery
 
No min. spend
 
Bonus points/miles capped at S$1,000 spend per month
  • 1X Base Point (0.4 mpd)
  • 9X Bonus Point (3.6 mpd)

Best credit cards for dine-in & takeaway at McDonald’s

For starters, let’s talk about the best credit cards that you can use at the payment kiosks or counters when ordering your grub at McDonald’s. 

💡 Pro-tip: To check for rebate eligibility, McDonald’s falls under MCC 5814 (Fast Food Restaurants). So read through your credit card’s T&Cs carefully to ensure this MCC isn’t an excluded merchant.


#1: Citi Cash Back Card

Citi-Cash-Back-Master-Credit-Card_2

First on our list is the perennially-popular cashback card, Citi Cash Back Card. For a minimum spend of S$800 per statement month, you’ll be rewarded with 6% cashback on dining, capped at S$80 per statement month. Hence, this card is great if you prefer dining in at McDonald’s fairly often.

Although 6% on dining isn’t the highest cashback rate out there, it is a decent rate nonetheless – especially considering that it earns 6% cashback on groceries and 8% on all fuel spend plus private commute too, just FYI.

Citi_CC_KV2_BLOGARTICLE_800x250

SingSaver's Exclusive Offer: Receive the following rewards when you sign up for a Citi Cashback Card:

Get a Dyson Supersonic (worth S$699) or Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or Sony Portable Theatre System HT-AX7 (worth S$759) or S$350 eCapitaVoucher or S$300 cash via PayNow upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 2 June 2024. T&Cs apply.

Pay_To_Upgrade_Rewards_Campaign_BLOGARTICLE_800x250-1

Plus, upgrade your rewards when you top up S$999 for an Apple MacBook Air 13” (M3 chip) 256GB (worth S$1,599) or an Apple iPhone 15 Pro 128GB (worth S$1,664.25). Alternatively, top up S$1,488 for a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB 5G (worth S$2,128). Valid till 2 June 2024. T&Cs apply.

💡 Pro-tip: Did you know that it has an unlimited cashback card counterpart? The Citi Cash Back+ Card offers 1.6% unlimited cashback on all eligible spend, with no minimum spend or cashback cap.

Not to mention, Citibank always offers some of the best welcome gifts for their credit card sign-up promos, as seen below. 👀👇🏻 Even we can’t resist those deals ourselves!

See also: Credit Card Promotions – Exclusive on SingSaver (2023)


#2: UOB Lady’s / Lady’s Solitaire Card

uob-ladys-card

uob-ladys-solitaire-card

Last but not least, the UOB Lady’s Card and UOB Lady’s Solitaire Card are all the rage at the moment – and for good reason.

[Update!] Recently, both cards were recently enhanced from 10X UNI$ per S$5 spend to 25X UNI$ per S$5 spend on your preferred spend category(ies) if you pair your card with a UOB Lady's Savings Acount. In other words, this point rebate is effectively worth 10 miles per S$1 spend (10 mpd). 

All other spend earns the base 1X UNI$ per S$5 spend or 2 mpd.

⭐ However do note, all UNI$ transactions are calculated in blocks of S$5 transactions. So for example, if you spend S$14.99, that’s only worth 30X UNI$ (60 miles) instead of 45X UNI$ (90 miles).

Although both cards earn the same points/miles rate, here are some key differences between them:

UOB Lady’s Card
UOB Lady’s Solitaire Card
Can only choose one bonus UNI$ category per quarter
Can choose two bonus UNI$ categories per quarter
Bonus rate capped at S$1,000 spend per calendar month
Bonus rate capped at S$2,000 spend per calendar month

Once you hit the spend limit on either card’s bonus points/miles rate, you’ll revert to the base 1X UNI$ per S$5 spend (2 mpd) rate on all subsequent spend, even if it’s technically a preferred category spend.

CASHBACKAIRMILES_BLOGARTICLE_800x250@2x

🆚SingSaver's Cashback vs Miles Campaign (Round 1) 🆚: Are you Team Cashback or Team AirMiles?

Receive rewards of up to S$370 Voucher or up to 34K Miles when you sign up for any participating Cashback or Miles Credit Card, respectively, within the promo period. The team with the most applications wins the rewards! Promo runs from 8 May, 5pm - 21 May 2024. T&Cs apply.

Plus, get up to 31x chances to win a Pair of RETURN Business Class Tickets to Switzerland, Zurich (worth 320K Max Miles) in the Grand Lucky Draw when you successfully apply for participating products. Promo runs from 8 May, 5pm - 21 May 2024. T&Cs apply.

UOB Lady's Card Welcome Gift: Enjoy the following rewards when you sign up for a UOB Lady's Card (Team AirMiles):

Get a chance to enjoy an exquisite dining experience for two at Michelin-starred restaurants (worth S$900) when you are one of the first 150 applicants every month during the promo period and make a min. spend of S$1,500 per month for 2 consecutive months from card approval date. Valid till 30 June 2024. T&Cs apply.

You can read our full review here.


Best credit cards for online food delivery from McDonald’s

Don’t have time to eat in? Or maybe you’re simply too busy (or lazy) and want to eat McDonald’s from the comfort of your own home. In that case, you should take advantage of these credit cards.

Citi Rewards Card

CitiRewardsMC

Every avid miles chaser knows that the Citi Rewards Card is a holy grail miles credit card that is a must-have in anyone’s wallet. 

It’ll offer you 10X Rewards Points or 4 miles per S$1 spend (4 mpd) on online food delivery, online & shopping purchases, online groceries, and ride-hailing apps like Grab or Gojek. Basically, it rewards you with points/miles on eligible online transactions.

Its points/miles rebate consists of:

  • 1X Base Rewards Point (0.4 mpd)
  • 9X Bonus Rewards Points (3.6 mpd)

This bonus rebate is capped at S$1,000 spend or 10,000 Rewards Points per statement month. Hence, once this spend limit is reached, your bonus rebate will be reduced and reverted to the base rate of 1X Rewards Point or 0.4 mpd.

To our knowledge, its online spend category only pertains to retail shopping and not to food orders as indicated on Citibank’s website.


Source: Citibank

Regardless, the Citi Rewards Card gets the job done by satisfying all your McDonald’s cravings via McDelivery from the comfort of home. 

CASHBACKAIRMILES_BLOGARTICLE_800x250@2x

🆚SingSaver's Cashback vs Miles Campaign (Round 1) 🆚: Are you Team Cashback or Team AirMiles?

Receive rewards of up to S$370 Voucher or up to 34K Miles when you sign up for any participating Cashback or Miles Credit Card, respectively, within the promo period. The team with the most applications wins the rewards! Promo runs from 8 May, 5pm - 21 May 2024. T&Cs apply.

Plus, get up to 31x chances to win a Pair of RETURN Business Class Tickets to Switzerland, Zurich (worth 320K Max Miles) in the Grand Lucky Draw when you successfully apply for participating products. Promo runs from 8 May, 5pm - 21 May 2024. T&Cs apply.

Citi_CC_KV2_BLOGARTICLE_800x250

SingSaver's Exclusive Offer: Receive the following rewards when you sign up for a Citi Rewards Card (Team AirMiles):

Get a Dyson Supersonic (worth S$699) or Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or Sony Portable Theatre System HT-AX7 (worth S$759) or S$350 eCapitaVoucher or S$300 cash via PayNow upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 2 June 2024. T&Cs apply.

Pay_To_Upgrade_Rewards_Campaign_BLOGARTICLE_800x250-1

Plus, upgrade your rewards when you top up S$999 for an Apple MacBook Air 13” (M3 chip) 256GB (worth S$1,599) or an Apple iPhone 15 Pro 128GB (worth S$1,664.25). Alternatively, top up S$1,488 for a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB 5G (worth S$2,128). Valid till 2 June 2024. T&Cs apply.

💡 Pro-tip: Pair the Citi Rewards Card with the Instarem amaze Card to earn an extra 1 InstaPoint per S$1 (worth 1% cashback) in foreign currency transactions. This is called double-dipping rebates.

Something to remember if you ever eat Maccas overseas. 😉


See also:
 Ultimate Guide To Digital Multi-Currency Accounts: Revolut vs YouTrip vs Instarem vs Wise vs Wirex (2023)


Best credit cards for dine-in, takeaway, and online food delivery from McDonald’s

Want the best of both “dine-in and food delivery” worlds? These are the credit cards that fulfil both types of McDonald’s orders.

#1: OCBC 365 Card

OCBC365

If you’ve ever paid at a McDonald’s payment kiosk before, chances are you’ve seen this popular cashback credit card making a featured appearance. The OCBC 365 Card lives up to its reputation as a reliable everyday spend card, more notably for dining as it offers 5% cashback on food delivery and dining.

You only have to spend a minimum of S$800 per calendar month and Bob’s your uncle. You’re guaranteed up to S$80 cashback per calendar month on all your transactions – so that’s S$80 back on simply indulging in McDonald’s, which is pretty worth it in our opinion.

Hitting the minimum S$800 minimum spend will see you earn S$80 cashback cap but if you are a big spender, hitting a S$1,600 minimum spend will unlock a S$160 cashback!


#2: OCBC Frank Card

OCBC-FRANK--3

Exceeded the monthly cashback cap for the OCBC 365 Card? Don’t worry, switch over to the OCBC Frank Card to effectively earn the same cashback rate with a higher cap!

While the OCBC 365 Card earns 5% cashback on dining specifically, the OCBC Frank Card earns 8% cashback on all eligible online and mobile contactless spend. It even earns an extra 2% cashback if your transaction is with selected green merchants – which by the way, McDonald’s is not considered as one.

Nevertheless, this 8% cashback is valid with minimum spend of S$800 per calendar month, capped at S$100 cashback per calendar month. This cashback is further broken down into S$25 per category, so that’s S$25 cashback limit on all your McDonald’s orders.

💡 Pro-tip: If you like the OCBC Frank Card, you’ll also like the DBS Live Fresh Card. It follows the same cashback rate (up to 10%) and mechanics (5% base + 5% extra on select green merchants).


#3: Maybank Family & Friends Card

maybank-family-friends-mastercard

The next popular cashback card contender is the Maybank Family & Friends Card. This card finesses cashback and choice mechanics well by offering 8% cashback on five select categories out of ten – where dining and food delivery are classified as one category.

Similarly to the OCBC 365 Card, it requires a minimum spend of S$800 per calendar month and a S$125 cashback cap per calendar month. The only issue is that this cashback cap is split evenly between your five chosen categories – equalling a S$25 cap per category. 

So, unfortunately, your McDonald’s orders will be subjected to a S$25 monthly limit in total cash rebate earned.

💡 Pro-tip: Designate the Maybank Family & Friends Card as your everyday spend card on other categories like groceries, transport, data communication & online TV streaming services, online fashion, entertainment, beauty & wellness, sports & sports apparel, and retail & pets.


#4: UOB EVOL Card

uob-evol-1024x644

Love being a total #madlad and relying on your phone for payment outside? Because who even pays with cash these days? If this sounds right up your alley, the UOB EVOL Card will be your best friend.

The UOB EVOL Card rewards 8% cashback on all eligible online and mobile contactless spend, with a minimum spend of S$600 per statement month, capped at S$60 cashback. This cashback cap is further split among three categories: S$20 per online spend, S$20 per mobile contactless spend, and S$20 per all other spend. 

As long as you use mobile contactless methods like Apple Pay, Samsung Pay or Google Pay to tap at your phone at checkout or send in your McDonald’s order online for self-collection ahead of time, the cashback is yours.

Compared to the Citi Cash Back Card, this card has a lower and more achievable minimum monthly spend requirement. The only drawback is its cashback cap is significantly lower; in fact, it’s one of the lowest among the cashback cards in Singapore. 

Thus, the UOB EVOL Card is more suited for young working adults or those early in their credit card journey – who have a hankering for McDonald’s every now and then.

UOB EVOL Card Welcome Offer: Get S$350 Cash Credit as one of the first 200 new-to-UOB credit cardmembers with a minimum spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 30 June 2024. T&Cs apply.

💡 Pro-tip: Enjoy annual fee waiver forever by transacting at least three purchases with the card per month.


#5: HSBC Revolution Card

HSBC-Revolution-New

Honestly, the HSBC Revolution Card is another card that needs no introduction. But for the sake of those uninitiated, the miles card is one of the best to use in Singapore.

It offers up to 10X Rewards Points, 4 miles per S$1 spend (4 mpd) or 2.5% cashback on online and mobile contactless spend for dining, travel, shopping, and groceries. Dining here refers to both dining and food delivery. 

Essentially, the same mobile-tap-and-go principle as the UOB EVOL applies here – simply tap your phone at checkout or order food delivery via the McDonald’s app and those miles are yours.

The points/miles rebate consists of:

  • 1X Base Rewards Point (0.4 mpd)
  • 9X Bonus Rewards Points (3.6 mpd)

The bonus rebate rates are capped at S$1,000 spend or 10,000 Rewards Points per statement month. Once you exceed S$1,000 spend on your HSBC Revolution Card for that month, your point/miles earn rate will revert to the base 1X Rewards Point (0.4 mpd) rate. 

So just because you hit the spend limit doesn’t mean you stop earning anything.

CASHBACKAIRMILES_BLOGARTICLE_800x250@2x

🆚SingSaver's Cashback vs Miles Campaign (Round 1) 🆚: Are you Team Cashback or Team AirMiles?

Receive rewards of up to S$370 Voucher or up to 34K Miles when you sign up for any participating Cashback or Miles Credit Card, respectively, within the promo period. The team with the most applications wins the rewards! Promo runs from 8 May, 5pm - 21 May 2024. T&Cs apply.

Plus, get up to 31x chances to win a Pair of RETURN Business Class Tickets to Switzerland, Zurich (worth 320K Max Miles) in the Grand Lucky Draw when you successfully apply for participating products. Promo runs from 8 May, 5pm - 21 May 2024. T&Cs apply.

Enjoy the following rewards when you sign up for an HSBC Revolution Card (Team AirMiles):

HSBC CC_KV2_BLOGARTICLE_800x250

⚡Flash Deal⚡: Get a PlayStation 5 Disc Version (worth S$799) or a Dyson Airwrap (worth S$859) or S$500 e-capita Vouchers when you are one of the first 500 to apply and spend a minimum of S$500 by the end of the following calendar month from the card account opening date. Remaining applicants will enjoy SingSaver Exclusive rewards. Valid till 4 June 2024. T&Cs apply

SingSaver's Exclusive Offer: Receive a Dyson Supersonic™ hair dryer (worth S$699) or an Apple iPad 9th 10.2" WiFi 64GB (worth S$508.30) or S$350 eCapitaVoucher or 21K Max Miles upon activating and spending min. S$500 by the end of the following calendar month from the card account opening date. Valid till 4 June 2024. T&Cs apply.

Pay_To_Upgrade_Rewards_Campaign_BLOGARTICLE_800x250-1

Plus, upgrade your rewards when you top up S$200 to get a Xiaomi Robot Vacuum X20 (worth S$699) or Sony Portable Theatre System HT-AX7 (worth $$759). Alternatively, top up S$1,099 for an Apple MacBook Air 13” (M3 chip) 256GB (worth S$1,599) or an Apple iPhone 15 Pro 128GB (worth S$1,664.25). Valid till 4 June 2024. T&Cs apply.


Conclusion: Which credit card is the winner for McDonald’s?

For simplicity’s sake, we’d recommend choosing a credit card that rewards rebates for both dine-in/takeaway and online food delivery. Next, you’d want to think about whether you prefer cashback or rewards points/miles. Thirdly, you need to account for your monthly spending – are you a small or big spender?

Based on these three criteria, it’s easier to narrow down your ideal credit card choice for McDonald’s.

Criteria
Credit Card
For low monthly spenders (Min. S$600 spend)
UOB EVOL Card
uob-evol-1024x644
For highest cashback
OCBC Frank Card
OCBC-FRANK--3
Maybank Family & Friends Card
maybank-family-friends-mastercard
 
For miles
HSBC Revolution Card
HSBC-Revolution-New
HSBC Credit Card Welcome Gift: Receive a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth S$670) or S$200 cash back when you make a min. spend of S$500 by the end of the following calendar month from the card account opening date. Valid till 30 April 2023. T&Cs apply.

But most importantly, a friendly reminder to save and budget your dining expenses accordingly! Other than that, happy “ba dah dah dah dah – I’m lovin’ it!” -ing.


Read these next:

Best Dining Credit Cards in Singapore
1-for-1 Buffet Dining Promotions in Singapore
6 Ala Carte Buffets to Enjoy in Singapore
28 Best All-You-Can-Eat Buffets in Singapore
Food Delivery Promo Codes in Singapore
Best Cheap Food & Affordable Restaurants in Singapore
40+ Hawkers & Restaurants With Free Delivery in Singapore

Although she struggles *slightly* in resisting good deals and sales, Emma is on a lifelong journey to understand what financial independence as a Z-llennial means. That said, her inner child is still very much alive… with animals and gaming being her weaknesses.

FINANCIAL TIP:

Use a personal loan to consolidate your outstanding debt at a lower interest rate!

Sign up for our newsletter for financial tips, tricks and exclusive information that can be personalised to your preferences!