Best Credit Cards for Online Food Delivery (GrabFood, Foodpanda, Deliveroo)

Feeling lazy on a hot Sunday afternoon? Food delivery is the way to go! Maximise the rewards you can earn with these best credit cards for GrabFood, Foodpanda and Deliveroo.

Best for GrabFood: AMEX Ascend Credit Card | UOB One Card
Best for FoodPanda: POSB Everyday Card | UOB Lady’s Card
Best for Deliveroo: Citi Rewards | Maybank Friends & Family Card

There are those days when the sun is too inhumanely hot to dabao food, or days that are filled with back-to-back meetings that walking to the nearest kopitiam for your lunch is simply not possible.

That’s when food delivery becomes your saving grace if you’d rather pay a little more for the premium prices and delivery fees instead of cooking up a bowl of MSG-filled instant noodles. (But, if you do run out of said noodles, make sure to have the best grocery credit cards with you to maximise rewards of your purchases. 😉)

Are you bogged down by the high prices? Don't worry; these credit cards can help you earn miles as you spend or offset your purchases with cashback. Find out which credit cards are most effective for each food delivery merchant — GrabFood, Foodpanda and Deliveroo.

Table of contents

• Best credit cards for GrabFood
• Best credit cards for Foodpanda
• Best credit cards for Deliveroo
• Winner: Best overall credit cards for food delivery

Best credit cards for GrabFood

Credit card	Credit card type	Key benefits & requirements
AMEX KrisFlyer Ascend Card Apply Now	Miles	3.2mpd on Grab   S$200 monthly spend cap
CIMB World Mastercard Apply Now	Cashback	2% cashback on online food delivery   Min. S$1,000 spend No cashback cap
Citi Rewards Card Apply Now	Miles	10X reward points (4mpd) on online food delivery   Bonus 10X reward points capped at S$1,000 monthly spend
DBS Woman’s World Card Apply Now	Miles	4mpd on all online transactions   S$1,500 monthly spend cap
KrisFlyer UOB Card Apply Now	Miles	3mpd on food delivery Min. spend of S$800 on SIA Group per membership year
Maybank Family & Friends Card Apply Now	Cashback	8% cashback on 5 preferred categories, including dining & food delivery   Min. S$800 monthly spend S$25 cashback cap per calendar month per category
OCBC 365 Card	Cashback	5% cashback on online food delivery   Min. S$800 & S$1,600 monthly spend Capped at S$80 and S$160 monthly respectively
UOB Lady’s Card / UOB Lady’s Solitaire Card Apply Now	Miles	10X UNI$ per S$5 (4 mpd) on chosen bonus rate category, including dining  No min. Spend Bonus points/miles capped at:  S$1,000 monthly (UOB Lady’s Card) S$2,000 month (UOB Solitare’s Card)
UOB One Card Apply Now	Cashback	Up to 15% cashback on food and beverage like GrabFood Min. S$500 / S$1,000 / S$2,000 monthly spend Min. 5 transactions per statement month Cashback earned in S$50, S$100 or S$200 respectively per quarter
UOB Preferred Platinum Visa Card	Miles	Up to UNI$10 per S%5 (4mpd) on dining & food delivery S$1,000 spend cap per calendar mont

See also: Credit Card Promotions – Exclusive on SingSaver (2024)

Best credit cards for Foodpanda

Credit card	Credit card type	Key benefits & requirements
CIMB World Mastercard Apply Now	Cashback	2% cashback on online food delivery   Min. S$1,000 spend   No cashback cap
Citi Rewards Card   Apply Now	Miles	10X reward points (4mpd) on online food delivery   Bonus 10X reward points capped at S$1,000 monthly spend
DBS Woman’s World Card Apply Now	Miles	4mpd on all online transactions   S$1,500 monthly spend cap Including Foodpanda promo codes
KrisFlyer UOB Card Apply Now	Miles	3mpd on food delivery   Min. spend of S$800 on SIA Group per membership year
Maybank Family & Friends Card   Apply Now	Cashback	8% cashback on 5 preferred categories, including dining & food delivery   Min S$800 monthly spend   S$25 cashback cap per calendar month per category
OCBC 365 Card	Cashback	5% cashback on online food delivery   Min. S$800 & S$1,600 monthly spend Capped at S$80 and S$160 monthly respectively
POSB Everyday Card   Apply Now	Cashback	10% cash rebate on online food deliveries (foodpanda, deliveroo, whyQ)   Min. S$800 monthly spend   Capped at $15 Daily$
UOB Lady’s Card / UOB Lady’s Solitaire Card Apply Now Apply Now	Miles	10X UNI$ per S$5 (4 mpd) on chosen bonus rate category, including dining    No min. spend   Bonus points/miles capped at:  S$1,000 monthly (UOB Lady’s Card) S$2,000 month (UOB Solitare’s Card)
UOB Preferred Platinum Visa Card	Miles	Up to UNI$10 per S$5 (4mpd) on dining & food delivery S$1,000 spend cap per calendar month

Best credit cards for Deliveroo

Credit card	Credit card type	Key benefits & requirements
CIMB World Mastercard Apply Now	Cashback	2% cashback on online food delivery   Min. S$1,000 spend   No cashback cap
Citi Rewards Card   Apply Now	Miles	10X reward points (4mpd) on online food delivery   Bonus 10X reward points capped at S$1,000 monthly spend
DBS Woman’s World Card Apply Now	Miles	4mpd on all online transactions   S$1,500 monthly spend cap
KrisFlyer UOB Card Apply Now	Miles	3mpd on food delivery   Min. spend of S$800 on SIA Group per membership year
Maybank Family & Friends Card   Apply Now	Cashback	8% cashback on 5 preferred categories, including dining & food delivery   Min S$800 monthly spend S$25 cashback cap per calendar month per category
OCBC 365 Card	Cashback	5% cashback on online food delivery   Min. S$800 & S$1,600 monthly spend Capped at S$80 and S$160 monthly respectively
POSB Everyday Card   Apply Now	Cashback	10% cash rebate on online food deliveries (foodpanda, deliveroo, whyQ)   Min. S$800 monthly spend   Capped at $15 Daily$
UOB Lady’s Card / UOB Lady’s Soitaire Card   Apply Now	Miles	10X UNI$ per S$5 (4 mpd) on chosen bonus rate category, including dining    No min. spend   Bonus points/miles capped at:  S$1,000 monthly (UOB Lady’s Card) S$2,000 month (UOB Solitare’s Card)
UOB Preferred Platinum Visa Card	Miles	Up to UNI$10 per S$5 (4mpd) on dining & food delivery   S$1,000 spend cap per calendar mont

Winner: Best overall credit cards for food delivery

For miles: UOB Lady’s Card / UOB Lady’s Solitaire Card

The UOB Lady’s and UOB Lady’s Solitaire Cards have been all the hype lately, and for good reason. [Update!] Recently, UOB announced that they will have increased their miles rate from 10X UNI$ per S$5 (4mpd) to 25X UNI$ per S$5 (10 mpd) on the category(ies) that you choose when you pair your card with a UOB Lady's Savings Account.

All other spend earns the base 1X UNI$ per S$5 (2 mpd). You’ll also earn the base rate once you hit the bonus rate spend cap.

UOB Lady’s Card — able to choose 1 category per quarter and has a bonus rate spend cap of S$1,000 per month

UOB Lady’s Solitaire Card — able to choose 2 categories per quarter and has a bonus rate spend cap of S$2,000 per month

Here are the categories offered for these cards:

• Beauty and Wellness — cosmetic stores, drug stores, health and beauty stores
• Fashion — department stores, retail stores and shopping websites that sell clothes, shoes and bags as its main business activity
• Dining — restaurants, fast food restaurants and online food delivery 
• Family — grocery stores and baby & kids stores
• Travel — airlines, hotels & resorts bookings and duty-free stores
• Transport — fuel stations, taxi rides and local commuter transport
• Entertainment — bars, taverns, lounges, cinemas and ticketing servicing providers

Do note that these cards earn you miles in blocks of S$5 per transaction, meaning if you spend S$4.99 you won’t be able to earn any miles on that transaction.

Worth mentioning: Citi Rewards

Citi Rewards is another notable miles card worth mentioning when you order food delivery. It earns you 10X Rewards per S$1 spend (4mpd) on online and shopping purchases, rides with Grab, Gojek and more, online food delivery and on online groceries — basically all online transactions.

This is how you earn miles:

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

💡Pro-tip: Pair your Citi Rewards card with the Instarem amaze Card which automatically converts all spending to online spending.

This makes it a great card for overseas spend too as the Instarem Amaze card doesn’t charge you any foreign currency fees and allows you to earn an extra 1 InstaPoint per S$1 (worth 1% cashback) in foreign currency transactions.

The card, however, does have a spending cap bonus rate of S$1,000 per month. Any spending over that earns you a base miles rate of 1X Reward per S$1 spend (0.4 mpd).

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

For cashback: Maybank Family & Friends Card

On the Maybank Family & Friends Card, you’ll be able to earn 8% cashback on food deliveries, as long as you choose it as one of your 5 preferred spending categories:

• Groceries
• Dining & food delivery
• Transport
• Data communication & online TV streaming
• Retail & pets
• Online fashion
• Entertainment
• Pharmacy
• Sports & sports apparels
• Beauty & wellness

The catch though, is that there is a minimum spend of S$800 to hit per month. There’s also a cashback cap of S$125 in total per calendar month, capped at S$25 per category.

If you don’t hit the minimum spend, exceed the cashback cap or spend on non-selected categories, you’ll earn a base cashback rate of 0.3%.

For GrabFood spend: AMEX KrisFlyer Ascend Card

With the AMEX KrisFlyer Ascend card, there is a dedicated bonus rate that you can earn for all spendings on Grab, including GrabFood.

Earn 3.2 KrisFlyer miles on Grab for every S$1 spent on eligible Grab Singapore transactions, up to S$200 spend in each calendar month. For all other local spend, like Foodpanda and Deliveroo orders, you’ll earn 1.2 mpd, with no miles cap.

Worth mentioning: UOB One 

If you’re a big fan of GrabFood, you’ll be thrilled to know that you can get up to 15% cashback (new to UOB card customers) and up to 10% cashback (existing cardmembers) specifically on GrabFood, as well as groceries, shopping, health & beauty, transport & travel and utilities.

There are 3 kinds of cashback UOB offers:

• Base cashback (all cardmembers) — 3.33%
• Additional cashback (all cardmembers)— Min. S$500 / S$1,000 spend, capped at S$100 per month
• Enhanced cashback (new-to-UOB cardmembers only) — Min S$2,000 spend, capped at S$100 per month for the first 2 quarters

The quarterly cashback you earn depends on how much qualifying spend you satisfy each month — S$500, S$1,000 or S$2,000 per month, with a minimum of 5 transactions per statement month.

This means that on GrabFood, you will earn an additional 5% cashback in quarterly cash rebates as long as you’re a new-to-UOB cardholder applying for the UOB One card.

For Foodpanda & Deliveroo: POSB Everyday Card

If you’re looking to earn points, the POSB Everyday Card ranks as one of the top contenders, and it also has a dedicated rewards section for food deliveries for FoodPanda and Deliveroo.

For dining, you’ll receive up to 10% cash rebates on online food delivery at FoodPanda, Deliveroo and WhyQ. For other dining spend excluding fast food, you’ll earn 3% cash rebates.

However, you’ll have to spend a minimum of S$800 every month to earn the maximum rebates. There is also a cap of  S$30 POSB Daily$ per calendar month, capped at S$15 per category.

Here are other categories you can earn cash rebates on:

• 5% cash rebates on Sheng Shiong groceries
• 5% cash rebates on utility bills
• 5% cash rebates on public transport (SimplyGo)
• 3% cash rebates at Watsons, Pet Lovers Centre
• 0.3% cash rebates on all other spend
• 5% cash rebates on online shopping
• 8% cash rebates at POPULAR physical & online stores
• 3% cash rebates on phone bills
• Up to 20.1% fuel savings at SPC
  

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