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

Deborah Gan

Deborah Gan

Last updated 01 January, 2024

 


Every spending situation is unique. SingSaver assembles the 'Best For' list, so you can decide what’s best for you.


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 dining 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

TeamCashback-VS-TeamMiles-KV2.1_BLOGARTICLE_800x250

🆚SingSaver's Cashback vs Miles Campaign (Round 2) 🆚: Are you Team Cashback or Team Air Miles?

Be one of the first 400 to receive rewards of up to +S$740 Vouchers or up to +74K 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 24 May, 12pm - 6 June 2024. T&Cs apply.

Plus, get up to 31x chances to win a Pair of RETURN Business Class Tickets to Tokyo, Japan (worth 120K Max Miles) in the Grand Lucky Draw when you successfully apply for participating products. Promo runs from 24 May, 12pm - 6 June 2024. T&Cs apply.

Click here to check out our past Lucky Draw winners!

 


Looking for the best credit cards to complement your spending patterns and expenditure in 2024? Check out our Ultimate Credit Card Guide that covers all things credit cards in Singapore – from choosing between a cashback, miles, or rewards credit card to planning your credit card strategy.


Best credit cards for GrabFood

Credit card
Credit card type
Key benefits & requirements
AMEX KrisFlyer Ascend Card
Amex_KrisFlyer_Ascend_Credit_Card_small
 
Miles
3.2mpd on Grab
 
S$200 monthly spend cap
CIMB World Mastercard
CIMB-WORLD-MASTERCARD_2019-LR-1024x674
Cashback
2% cashback on online food delivery
 
Min. S$1,000 spend
No cashback cap
Citi Rewards Card
CitiRewardsMC
 
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
DBS_woman-world-ELISA-Choy-2018
Miles
4mpd on all online transactions
 
S$1,500 monthly spend cap
KrisFlyer UOB Card
KrisFlyer-UOB-Credit-e1556382005772-1
Miles
3mpd on food delivery
Min. spend of S$800 on SIA Group per membership year
Maybank Family & Friends Card
Maybank-FamilyFriends_card-1024x697
 
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
OCBC365
Cashback
5% cashback on online food delivery
 
Min. S$800 & S$1,600 monthly spend
Capped at S$80 and S$160 monthly respectively
UOB Lady’s Card / UOB Lady’s Solitaire Card
uob-ladys-card
uob-ladys-solitaire-card
Miles
10X UNI$ 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
UOB_ONE-3
 
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
uob-preferred-platinum-visa-card-472x332-e1598324543137

 

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
CIMB-WORLD-MASTERCARD_2019-LR-1024x674
Cashback
2% cashback on online food delivery
 
Min. S$1,000 spend
 
No cashback cap
Citi Rewards Card
CitiRewardsMC
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
DBSWomansWorldMasterCard-300x190
Miles
4mpd on all online transactions
 
S$1,500 monthly spend cap
Including Foodpanda promo codes
KrisFlyer UOB Card
KrisFlyer-UOB-Credit-e1556382005772-2
Miles
3mpd on food delivery
 
Min. spend of S$800 on SIA Group per membership year
Maybank Family & Friends Card
Maybank-FamilyFriends_card-1024x697
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
OCBC365
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
POSBEverydayCard-1
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
uob-ladys-card
uob-ladys-solitaire-card
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
uob-preferred-platinum-visa-card-472x332-e1598324543137-1
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
CIMB-WORLD-MASTERCARD_2019-LR-1024x674
Cashback
2% cashback on online food delivery
 
Min. S$1,000 spend
 
No cashback cap
Citi Rewards Card
CitiRewardsMC
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
DBSWomansWorldMasterCard
Miles
4mpd on all online transactions
 
S$1,500 monthly spend cap
KrisFlyer UOB Card
KrisFlyer-UOB-Credit-e1556382005772-1
Miles
3mpd on food delivery
 
Min. spend of S$800 on SIA Group per membership year
Maybank Family & Friends Card
Maybank-FamilyFriends_card-1024x697
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
OCBC365
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
POSB_everyday_card_front_RGB_1920x1080_20190723
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
uob-ladys-card
 
uob-ladys-solitaire-card
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
uob-preferred-platinum-visa-card-472x332-e1598324543137
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

Best for
Credit card
For miles
UOB Lady’s Card / UOB Lady’s Solitaire Card
Citi Rewards Card
For cashback
Maybank Family & Friends Card
For GrabFood
AMEX KrisFlyer Ascend Card
UOB One Card
For Foodpanda
POSB Everyday Card
For Deliveroo
POSB Everyday Card


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

uob-ladys-card-1uob-ladys-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.

TeamCashback-VS-TeamMiles-KV2.1_BLOGARTICLE_800x250

🆚SingSaver's Cashback vs Miles Campaign (Round 2) 🆚: Are you Team Cashback or Team Air Miles?

Be one of the first 400 to receive rewards of up to +S$740 Vouchers or up to +74K 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 24 May, 12pm - 6 June 2024. T&Cs apply.

Plus, get up to 31x chances to win a Pair of RETURN Business Class Tickets to Tokyo, Japan (worth 120K Max Miles) in the Grand Lucky Draw when you successfully apply for participating products. Promo runs from 24 May, 12pm - 6 June 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 Air Miles):

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.


 

Worth mentioning: Citi Rewards

CitiRewardsMC

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).

TeamCashback-VS-TeamMiles-KV2.1_BLOGARTICLE_800x250

🆚SingSaver's Cashback vs Miles Campaign (Round 2) 🆚: Are you Team Cashback or Team Air Miles?

Be one of the first 400 to receive rewards of up to +S$740 Vouchers or up to +74K 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 24 May, 12pm - 6 June 2024. T&Cs apply.

Plus, get up to 31x chances to win a Pair of RETURN Business Class Tickets to Tokyo, Japan (worth 120K Max Miles) in the Grand Lucky Draw when you successfully apply for participating products. Promo runs from 24 May, 12pm - 6 June 2024. T&Cs apply.

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

Citi_CC_KV2_BLOGARTICLE_800x250

Get a Dyson Supersonic (worth S$699) or an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or Sony Portable Theatre System HT-AX7 (worth S$759) or S$450 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 6 June 2024. T&Cs apply.

 

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

maybank-family-friends-mastercard

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

Amex_KrisFlyer_Ascend_Credit_Card_small

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.

Amex Singapore Airlines KrisFlyer Ascend Credit Card Welcome Gift:

For New-to-American Express Card Members: Receive S$300 eCapitaVouchers and up to 17,000 KrisFlyer Miles (enough to redeem a return trip to Bali) when you pay the annual fee and make a minimum spend of S$1,000 within the first month of card approval. Valid till 29 May 2024.  T&Cs apply.

For Existing American Express Card Members: Receive up to 34,000 KrisFlyer Miles (enough to redeem a return trip to Bali) when you pay the annual fee and make a minimum spend of S$1,000 within the first month of card approval. Valid till 29 May 2024. T&Cs apply.


Worth mentioning: UOB One 

UOB_ONE-2

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.

For 3 consecutive months
Min S$500 / S$1,000 spend per month
Min S$2,000 spend per month
Base cashback
3.33%
3.33%
Additional cashback
5%
6.67%
Enhanced cashback (for new-to-UOB cardmembers only)
6.67%
5%
Total cashback earned
Existing UOB cardmembers: 10%
New-to-UOB card members: 15%
Existing UOB cardmembers: 10%
New-to-UOB card members: 15%

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.

TeamCashback-VS-TeamMiles-KV2.1_BLOGARTICLE_800x250

🆚SingSaver's Cashback vs Miles Campaign (Round 2) 🆚: Are you Team Cashback or Team Air Miles?

Be one of the first 400 to receive rewards of up to +S$740 Vouchers or up to +74K 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 24 May, 12pm - 6 June 2024. T&Cs apply.

Plus, get up to 31x chances to win a Pair of RETURN Business Class Tickets to Tokyo, Japan (worth 120K Max Miles) in the Grand Lucky Draw when you successfully apply for participating products. Promo runs from 24 May, 12pm - 6 June 2024. T&Cs apply.

UOB One Card Welcome Gift: Enjoy the following rewards when you sign up for a UOB One Card (Team Cashback):

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.


For Foodpanda & Deliveroo: POSB Everyday Card

POSBEverydayCard-1

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

DBS/POSB Credit Card Welcome Gift: Receive up to S$388 cashback or 85,000 miles when you apply for select DBS credit cards and fulfil the relevant promotion criteria. T&Cs apply.


Read these next:
Best Cashback Credit Cards in Singapore (2023)
Best Unlimited Cashback Credit Cards in Singapore (2023)
Best Miles Credit Cards in Singapore (2023)
Best Rewards Credit Cards in Singapore (2023)
Best Credit Cards For Your Fast Food Cravings at McDonald's
The Real Cost: Food Delivery in Singapore

A mahjong addict with an undying love for dogs, Deborah is always on the hunt for cheap deals because she is always broke. That is why she is attempting to be more financially savvy to be.. less broke

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