Best Dining Credit Cards in Singapore (2024)

SingSaver team

SingSaver team

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.


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 Credit Card for Dining
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 and 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

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!

 


Best for both dining and food delivery: OCBC 365

365_Cardface

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. 


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: 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.


Best for 1-for-1 dining deals: HSBC Visa Platinum

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. Arguably the best part about the HSBC Visa Platinum credit card is its complimentary ENTERTAINER with HSBC app access, where you enter a world of 1-for-1 redeemable deals across a carefully curated list of restaurants.  The sweetener is that as you redeem these deals and pay practically half of what you would’ve for the bill, you’re also getting 5% cash rebates out of it. 

General spending on F&B earns you 5% cash rebates, the only exception being hotel dining. The 5% cash rebate rate also applies to groceries and petrol.

The minimum qualifying spend is to keep up S$600 per month for three consecutive months — that’s right, cash rebates are tabulated quarterly, and they are capped at S$250 each calendar quarter.

Enjoy the following rewards when you sign up for an HSBC Visa Platinum Card:

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⚡Flash Deal⚡: Get a PlayStation 5 Disc Version (worth S$799) or a Dyson Airwrap (worth S$859) or S$500 e-capita Vouchers when you are one of the first 500 to apply and spend a minimum of S$500 by the end of the following calendar month from the card account opening date. Remaining applicants will enjoy SingSaver Exclusive rewards. Valid till 6 June 2024. T&Cs apply

HSBC CC_KV1_BLOGARTICLE_800x250

SingSaver's Exclusive Offer: Receive a Dyson Supersonic™ hair dryer (worth S$699) or an Apple iPad 9th 10.2" WiFi 64GB (worth S$508.30) or S$350 eCapitaVoucher or 21K Max Miles upon activating and spending min. S$500 by the end of the following calendar month from the card account opening date. Valid till 6 June 2024. T&Cs apply.

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Plus, upgrade your rewards when you top up S$200 to get a Sony Portable Theatre System HT-AX7 (worth $$759). Alternatively, top up S$1,099 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). Valid till 4 June 2024. T&Cs apply.


Best for fine dining deals: American Express Platinum Card

amex-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. 

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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$400 eCapitaVouchers + 1,250 Membership Rewards® points 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 58,750 Membership Rewards® points when you pay the annual fee and make a minimum spend of S$1,000 within the first month of card approval. Valid till 30 April 2024. T&Cs apply.

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.

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.

Receive the following rewards when you sign up for a Citi Cashback Card (Team Cashback):

Citi_CC_KV2_BLOGARTICLE_800x250

SingSaver's Exclusive Offer: 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.

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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.


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.

Welcome Offer: Receive S$88 Cashback when you make a minimum of S$108 eligible spends within 30 days of card approval date. Plus, receive S$100 Cashback (S$188 in total) when you increase your minimum eligible spends to S$988 within 60 days of card approval date. Valid till 31 July 2024. T&Cs apply.


Best for miles accumulation: KrisFlyer UOB 

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 30 June 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
Best Value Meals Under $10 At Fast Food Restaurants In Singapore

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