Every spending situation is unique. SingSaver assembles the 'Best For' list, so you can decide what’s best for you.
If you're a foodie ts leaving the comforts of your home to try the hottest restaurant in town, here are the credit cards you should have in your wallet.
If there’s one thing Singaporeans love more than good food, it’s good food deals. Whether you’re heading out for a candlelight dinner, chowing down chilli crab at an all-you-can-eat seafood buffet, or chilling out at a trendy café, the right dining credit card is an indispensable dining companion, aside from your plus one(s).
These credit cards provide the best value for their very respectable cashback, discounts and exclusive privileges.
Best for overall dining & food delivery: OCBC 365
Best for weekend dining: UOB EVOL
Best for 1-for-1 deals: HSBC Visa Platinum
Best for fine dining: American Express Platinum Card
Best for multi-purpose foodie needs: Citi Cash Back Card
Best for fee waiver: CIMB World Mastercard
Best for accumulating miles: KrisFlyer UOB Credit Card
Best For | Credit card | Dining Benefits | Min monthly spend | Monthly cap |
Overall dining & food deliveries | OCBC 365 | 5% cashback on dining (including online delivery) | S$800/ S$1,600 | S$80/ S$160 |
Best for mobile contactless payment | UOB EVOL | 8% | S$600 | S$60 |
1-for-1 Dining Deals | HSBC Visa Platinum |
Complimentary ENTERTAINER access 5% cashback |
S$600 | S$80 |
Fine dining | American Express Platinum Card | Up to 50% at selected restaurants | None | None |
Multi-purpose foodie needs | Citi Cash Back Card |
6% cashback on dining, 8% cashback on groceries |
S$800 | S$80 combined (not by category) |
Best for unlimited cashback with min. spend | CIMB World MasterCard | 2% cashback on Wine and Dine category | S$1,000 | Unlimited |
Best for accumulating miles | KrisFlyer UOB Credit Card | 3 miles per dollar (local/overseas) | N/A (S$800 annual spend instead) | None |
Best for both dining and food delivery: OCBC 365
Best for mobile contactless payment: UOB EVOL
Perfect for: Those that love to pay with their mobile phones
The UOB EVOL credit card offers 8% cashback on mobile contactless spend via Apple Pay, Google Pay, Samsung Pay or Fitbit Pay. For online shoppers, you also enjoy 8% on all online shopping spend — this includes dining, entertainment and Grab spend.
It boasts a low qualifying monthly spend at S$600 per statement month compared to other cashback peers. It also offers a decent cashback cap of S$60 per statement month (S$20 on online spend, S$20 on mobile contactless spend and S$20 on all other spend).
With the UOB EVOL card, you'll also enjoy over 1,000 deals from fashion to dining. The physical card is also sustainably made, being Southeast Asia’s first bio-sourced card.
The best part? There is no annual fee charged as long as you make three purchases per month, for 12 months, before your next annual fee date.
See also: Credit Card Annual Fee Waiver Guide
UOB EVOL Card Welcome Offer: Receive S$350 Cash Credit as the first 200 new-to-UOB credit cardmembers monthly, with a minimum spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 31 March 2024. T&Cs apply.
Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 31 March 2024. T&Cs apply.
Best for 1-for-1 dining deals: HSBC Visa Platinum
🎉SingSaver's March Madness Grand Lucky Draw🎉: Get 2x chances to win a pair of Round Trip Business Class plane tickets to Tokyo (worth S$13,144) when you successfully apply for an HSBC Credit Card. Promo runs from 6 Mar 2024, 5pm, to 31 Mar 2024. T&Cs apply.
SingSaver's Exclusive Offer: Enjoy the following rewards when you sign up for an HSBC Visa Platinum Card:
Receive a Dyson Supersonic™ hair dryer (worth S$699) or Nintendo Switch OLED (worth S$549) or Apple iPad 9th 10.2" WiFi 64GB (worth S$508.30) or S$350 eCapitaVoucher upon activating and spending min. S$500 by the end of the following calendar month from the card account opening date. Valid till 31 March 2024. T&Cs apply.
Best for fine dining deals: American Express Platinum Card
Best for multi-purpose foodie needs: Citi Cash Back
Perfect for: Foodies who love driving out to discover new eateries
The Citi Cash Back Card is a great multi-purpose card offering cashback options across different spend categories. First and foremost, its headlining cashback benefit is the high 6% you get on dining bills at cafes, restaurants and bars, in both Singapore and overseas.
Citibank credit cards, including this Cash Back Card, are also known to dangle promos on online food deliveries frequently, so keep a lookout if ordering in has become somewhat of a habit.
Dining aside, your grocery bills from NTUC and Cold Storage enjoy an even higher cashback rate of 8%. Car owners who often drive the family out for grub should take advantage of the up to 20.88% savings at Esso and Shell stations.
The downside is having to spend S$800 per month to enjoy the bonus cashback. While there is a cashback cap, this applies not just to a single category, but rather as an S$80 combined cashback cap.
🎉SingSaver's March Madness Grand Lucky Draw🎉: Get 3x chances to win a pair of Round Trip Business Class plane tickets to Tokyo (worth S$13,144) when you successfully apply for a Citibank Credit Card. Promo runs from 6 Mar 2024, 5pm, to 31 Mar 2024. T&Cs apply.
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 Dyson V8 Slim Fluffy (worth S$509) or S$400 eCapitaVoucher or S$300 cash via PayNow upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 31 March 2024. T&Cs apply.
Best for unlimited cashback with min. spend: CIMB World MasterCard
Perfect for: Foodies who want a versatile card that can earn unlimited cashback on their meals and more
The CIMB World MasterCard is a no-nonsense cashback card that helps you earn returns on dining expenses. It offers a modest 2% cashback for wine and dine — including online food delivery — with no cap, if you can hit the minimum spend of S$1,000 within the statement month.
Besides dining, you will also get 2% cashback on the following categories:
- Movies and Digital Entertainment
- Taxi and Automobile
- Luxury Goods
If you aren't able to hit the S$1,000 minimum spend, you'll earn unlimited 1% cashback on the above-mentioned categories instead.
All other types of spending will earn 1% cashback, so long as you manage to make a minimum spend of S$500 within the statement month. The cherry on top is the card’s annual fees are waived for life.
Cashback aside, you'll also get to enjoy 50% off green fees at 42 prestigious golf courses across Southeast Asia.
🎉SingSaver's March Madness Grand Lucky Draw🎉: Get 2x chances to win a pair of Round Trip Business Class plane tickets to Tokyo (worth S$13,144) when you successfully apply for a CIMB Credit Card. Promo runs from 6 Mar 2024, 5pm, to 31 Mar 2024. T&Cs apply.
SingSaver Exclusive Offer: Receive the following rewards when you sign up for a CIMB World Mastercard:
Receive Apple AirPods Pro (worth $365.70) or +PLUS Chelsea Check-In 22" Luggage (worth S$449) or S$280 cash via PayNow upon activating and spending min. $988 for 60-day periods following card approval. Valid until 31 March 2024. T&Cs apply.
Best for miles accumulation: KrisFlyer UOB
KrisFlyer UOB Card Welcome Offer: Get up to 31,000 miles plus a first-year annual fee waiver for new-to-UOB credit cardmembers who apply and make a min. spend of S$2,000 within 2 months from card approval date. Valid till 31 March 2024. T&Cs apply.
Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 31 March 2024. T&Cs apply.
Read these next:
Money-Saving Food Hacks For The ‘Scrooge’ In You
The Real Cost: Does Making Your Own Lunch Save You Money?
Burpple vs Entertainer vs Chope – Which Offers the Best Dining Deals?
Food Delivery Promo Codes: GrabFood, Deliveroo, Foodpanda, WhyQ
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