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.

Are you bogged down by the high prices? Fear not, as these credit cards can help to 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$2,000 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 Apply Now	Cashback	5% cashback on online food delivery   Min. S$800 & S$1,600 monthly spend Capped at S$80 and S$160 monthly respectively
UOB Lady’s Card / UOB Lady’s Solitaire Card Apply Now	Miles	15X UNI$ per S$5 (6mpd) on chosen bonus rate category, including dining  No min. Spend Bonus points/miles capped at:  S$1,000 monthly (UOB Lady’s Card) S$3,000 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 (2023)

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$2,000 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 Apply Now	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	Miles	15X UNI$ per S$5 (6mpd) on chosen bonus rate category, including dining    No min. spend   Bonus points/miles capped at:  S$1,000 monthly (UOB Lady’s Card) S$3,000 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$2,000 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 Apply Now	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	15X UNI$ per S$5 (6mpd) on chosen bonus rate category, including dining    No min. spend   Bonus points/miles capped at:  S$1,000 monthly (UOB Lady’s Card) S$3,000 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. Recently, UOB announced that they will have increased their miles rate from 10X UNI$ per S$5 (4mpd) to 15X UNI$ per S$5 (6mpd) on the category(ies) that you choose.

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$3,000 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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