Ordering food is part of life in Singapore — for convenience, variety, or simply treating yourself. But those delivery charges and mark-ups add up quickly.

The right credit card helps you save or earn rewards every time you tap "Order now". Whether you want cashback, air miles, or points, this guide will show you the best cards for GrabFood, foodpanda, Deliveroo and more.

Think about it – you're already spending on those yummy meals. Why not make that spending work for you? Here's the lowdown on the perks:

• Turn spending into rewards: Get cashback, miles, or points on every order — it’s like getting a little thank you for your nasi lemak or bubble tea.

• Offset rising costs: Cashback reduces the sting of delivery fees and service charges.

• Stack rewards effortlessly: Combine credit card rewards with app discounts — no extra effort required.

• Earn across all platforms: A good card works for GrabFood, foodpanda, Deliveroo and more, without needing separate loyalty programmes.

Banks use something called Merchant Category Codes (MCCs) to classify what kind of business you're spending your money at. 

For food delivery, you might see codes like:

• MCC 5812: This usually refers to Restaurants.
• MCC 5814: This often covers Fast Food Restaurants.
• Sometimes, online food delivery might even fall under more general Online Retail or Miscellaneous categories.

Why does this matter? Cards often reward online or dining transactions differently. Understanding your MCC helps you avoid missing out on rewards.

Pro tip: Not all food delivery orders are coded the same – know your MCC to avoid missing cashback or miles.

How to check the MCC of past transactions:

• Bank statements: Sometimes, your bank statement will show the MCC alongside the transaction details. Have a peek at your past food delivery orders. 
• Call your bank: Give your bank a quick call and ask them about the MCC associated with a specific food delivery transaction.

» Pros and cons of shopping with a credit card in Singapore

The POSB Everyday Card is a solid choice for those who frequently order in from foodpanda, and Deliveroo, thanks to its generous uncapped cashback on these platforms. If these are your go-to apps, this card offers straightforward savings without the worry of hitting cashback limits for your delicious deliveries.

» Read Full Review

The OCBC 365 Card offers a reliable 5% cashback on both dining out and ordering in, making it a straightforward option for food lovers. The lower minimum spend compared to some other high-cashback cards can be appealing, but remember to factor in the monthly spending requirement to unlock the rewards.

» Read full review

The HSBC Revolution Card is a fantastic entry point into the world of miles, especially for those who frequently order food online. With no annual fee and no minimum spend to start earning, it's a low-commitment way to turn your takeaway habit into potential travel rewards.

» Read Full Review

The Citi Rewards Card is a popular choice for online shoppers, and that includes your food delivery cravings! The strong 4 mpd earn rate on online transactions makes it a solid option for accumulating miles from your everyday eats, just be mindful of the monthly spending cap to maximise your rewards.

» Read Full Review

The DBS Woman’s World Card offers a competitive 4 mpd on all your online spending, making it a great way for regular online food delivery users to rack up those air miles. The higher monthly cap compared to some other 4 mpd cards is a definite plus for moderate online spenders.

» Read Full Review

» Which credit cards should low-income earners in Singapore consider?

Ready to level up your rewards game? Here are a few savvy strategies:

Use GrabPay + credit card for bonus rewards

Linking certain cards to GrabPay can help maximise cashback or bypass MCC issues.

Stack credit card rewards with food delivery app promotions

Combine card rewards with promo codes from GrabFood, foodpanda and Deliveroo.

Time orders to meet bonus cashback or miles tiers

Use high-spend months to hit bonus tiers (e.g. UOB One Card) and unlock higher cashback.

» Pre-approved credit cards in Singapore that don’t affect CBS score

Stuck in the cashback vs miles debate? Here's a simple way to think about it:

Choose cashback if: 

• You prefer immediate savings.

• You are a casual spender who values simplicity.

Choose miles if:

• You travel frequently or plan big redemptions.

• You’re willing to strategise and wait for better value.

Easy decision guide: Which card suits you best?

• Frequent flyer? → Miles/Points

• Heavy spender? → Cashback (look for high caps) or Miles (if you can hit spending targets)

• Casual user? → Cashback or Miles with no minimum spend

Ordering in doesn't have to mean overspending. By picking the right card, you can earn cashback, miles or points — all while enjoying your favourite food.

Whether you’re a casual weekend orderer or a daily dabao devotee, there’s a credit card out there to make your spending work harder for you.

Ready to turn your food delivery bills into cashback or miles? Compare and apply for your ideal credit card on SingSaver!

» 5 best features your credit cards should have