Best Dining Credit Cards in Singapore (2024)

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 Card
Best for dining without cash: UOB EVOL Card [Update!]
Best for 1-for-1 deals: HSBC Visa Platinum Card
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 both dining and food delivery: OCBC 365 Card

Perfect for: Those who love food as much as they do online shopping and travel. 

The OCBC 365 Credit Card offers 5% cashback on local and overseas dining, including online food delivery at the likes of Deliveroo and foodpanda. The icing on the cake is that it offers a slightly higher than average cashback cap of S$80 per month, assuming you spend at least $800 per calendar month. If you're a big spender, spending S$1,600 a month will allow you to hit the S$160 cashback cap.

Besides the 5% cashback on all-day local and overseas dining, you’ll get to enjoy an array of cashback privileges on other spending categories; cardmembers can reap 3% on groceries (online & in-store), private hire rides and recurring telco and electricity bills, drugstore purchases, streaming services and even electric vehicle charging.

Own a car? You'll be glad to hear that you will get 6% cashback on fuel spend at all petrol service stations. Definitely consider pumping at Caltex and Esso — you get to enjoy up to 22.92% fuel savings at Caltex and up to 21.04% fuel savings at Esso.

OCBC 365 credit card really is a great everyday card that happens to also reward you handsomely for your gastronomic indulgences — all 365 days a year. 

SingSaver's Exclusive Offer: Receive the following rewards when you apply for an OCBC 365 Card:

Get a Travel Bundle [Samsonite Volant Spinner 68/25 EXP + 2X Apple AirTag] (worth S$570.80) or a Dyson AM07 (worth S$459) or S$270 eCapitaVoucher or S$200 Cash+S$50 eCapitaVoucher via PayNow when you make a min. spend of S$500 within 30 days of card approval. Applicable to new OCBC credit card holders only. Valid till 14 August 2024. T&Cs apply.

⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up as low as S$200. Valid till 31 July 2024. T&Cs apply.

• S$200 for an Apple AirPods Pro (2nd Gen) (worth S$365.70)
• S$280 for an Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30)
• S$380 for a Xiaomi Robot Vacuum X20 UK (worth S$699.00)
• S$450.00 for a Flujo Ayla Ergonomic Office Chair (worth S$1,139.00)

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[Update!] Best for mobile contactless payment: UOB EVOL Card

Perfect for: Those that love to pay with their mobile phones

[Update!] The UOB EVOL credit card offers 6% cashback on mobile contactless spend via Apple Pay, Google Pay, Samsung Pay or Fitbit Pay. For online shoppers, you also enjoy 6% on all online shopping spend — this includes dining, entertainment and Grab spend. And if you ever have a shopping itch that can't be fulfilled locally, overseas in-store foreign currency spend will also net you 10% cashback.

Meanwhile, all other spend will earn a base 0.3% cashback.

Unfortunately, it's previously low qualifying monthly spend at S$600 per statement month has now been increased to S$800 – a minimum spend requirement on par with other cashback cards like Citi Cash Back Card and OCBC 365 Card. As a result, its cashback cap has now been revised to S$80 per statement month (S$30 on online and mobile contactless spend, S$20 on overseas spend, and S$30 on 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 

Best for 1-for-1 dining deals: POSB Everyday Card

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Perfect for: Anyone from those who eat to live to those who live to eat. 

If you’re not careful, food spending can quickly add up, especially in Singapore’s foodie paradise. Although the 3% cash rebates on dining spend offered by POSB Everyday Card might pale in comparison to other cashback cards, it makes up for this with its array of 1-for-1 redeemable deals across a carefully curated list of restaurants. 

The minimum qualifying spend is S$800 per month, with dining and food delivery capped at Daily$15 per month.

Here's a taste of what you can expect:

Note: This list is non-exhaustive. You can refer here for the full list of 1-for-1 DBS/POSB dining promos.

On the other hand, if you prefer dining from the comfort of home at the end of the day, the POSB Everyday Card nets you a delicious 10% cash rebate on online food delivery at foodpanda and Deliveroo, so that's nice to keep in mind. 😉

Best for fine dining deals: American Express Platinum Card

Perfect for: Those who appreciate the finer things in life and have no time for expense tracking.  

The AMEX Platinum Card is the creme de la creme of credit cards if fine dining is the only kind of dining you fancy. Other than that, it would come in very handy if you need to entertain overseas visitors, clients, staff, or even loved ones but don’t want to break the bank, thanks to 50% dining privileges at a handpicked selection of popular establishments under its Love Dining @ Hotels and Love Dining @ Restaurants programmes. 

Also, you’ll enjoy complimentary drinks at over a dozen fashionable bars in Singapore. Then, recover from your food coma with spa vouchers and discounts at selected spa services, as well as complimentary cocktails at the likes of Anti:Dote and Horse's Mouth Bar, under the Chillax! by American Express Platinum programme.

The best part is there’s no qualifying minimum spend so you won’t have to keep track of anything. However, you do need to earn an annual income of S$80,000 or more to be eligible for the card.

Privileges aside, the card only offers a low 0.6% cashback on dining and other spending so if you prefer benefits in the form of cold hard cash, this might not be the card for you. 

Amex Platinum Credit Card Welcome Gift: Enjoy the following rewards when you sign up for an American Express Platinum Card:

 

For New-to-American Express Card Members: Receive S$300 Statement Credits when you pay the annual fee and spend a minimum of S$1,000 within the first month of Card approval. Valid till 31 July 2024. T&Cs apply.

 

For Existing American Express Card Members: Receive S$200 Statement Credits when you pay the annual fee and spend a minimum of S$1,000 within the first month of Card approval. Valid till 31 July 2024. T&Cs apply

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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 the same cashback rate of 6%. 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. Plus, private commute spend also earns up to 8% bonus cashback rate.

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.

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.

Best for miles accumulation: KrisFlyer UOB 

Perfect for: Foodies who like the idea of eating their way to a free flight redemption.

The KrisFlyer UOB credit card earns you up to 3 miles per dollar on both local and overseas spends, on areas such as dining, food delivery, online shopping and travel and transport. If you’re wondering about possible exclusions, qualifying dining charges include everything made at restaurants, bars and fast food outlets, whereas online food deliveries include GrabFood and foodpanda. 

There’s no "minimum qualifying spend" or "cashback cap", but the 3 KrisFlyer miles per dollar earn rate only applies provided that you spend at least S$800 on SIA-related purchases annually.

Because of its relatively high mile per dollar conversion rate, the KrisFlyer UOB credit card is definitely for those who are already dining out regularly and want to chalk up miles along the way, and then jetsetting to foreign lands to continue the indulgence.

KrisFlyer UOB Card Welcome Offer: Be one of the first 100 eligible new-to-UOB credit cardmembers to get up to 31,000 miles plus a first-year annual fee waiver when you apply and take the least days to make a min. spend of S$2,000 within 60 days from card approval date. Valid till 31 July 2024 . T&Cs apply.

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