Best Dining Credit Cards in Singapore 2026
Updated: 27 Jan 2026
Did you know you can earn rewards while eating out? With the right dining credit card, you can maximise your cashback or accumulate miles with every restaurant visit or delivery order. Promotions and exclusive dining deals can further enhance your gastronomic adventures. But with so many options available, how do you choose the best credit card for dining out in Singapore? We'll explore key factors like cashback percentages, rewards programmes, and exclusive dining perks to help you make the tastiest choice.
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Credit Card | Product Name | 🔥 Hot Reward Pick | Card Benefit | Monthly Spend Required | Bonus Cap | |
|---|---|---|---|---|---|---|
 | HSBC Live+ Credit Card | 0.3 - 8 % | S$600 - S$1000 | S$250 / quarter | ||
 | Citi Cash Back Card | 0.2 - 8 % | S$800 | S$80 / month | ||
 | OCBC 365 Credit Card | 0.25 - 6 % | S$800 | Up to S$160 / month | ||
 | POSB Everyday Card | 0.3 - 10 % | S$800 | S$120 / month | ||
 | American Express Platinum Card | - | 2 - 20 | S$0 | - | |
 | DBS Live Fresh Card | 0.3 - 9.25 % | S$800 | S$70 / month | ||
 | UOB EVOL Card | 0.3 - 10 % | S$800 | S$80 / month | ||
 | Citi PremierMiles Card | 1.2 - 10 | None | - | ||
 | OCBC INFINITY Cashback Credit Card | 1.6 % | None | No cap | ||
 | Citi Rewards Card | 1 - 10 | None | - |
Cashback (Dining)
Up to 8 %Cashback (Shopping)
Up to 8 %Cashback (Petrol)
Up to 8 %Cashback Bonus Cap
S$ S$
250 / quarterApply through SingSaver and choose from 10 premium rewards
- Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
- 8% cashback* on dining, entertainment, and shopping spend (both local and overseas).
- 5% cashback* on fuel spending at Caltex and Shell stations in Singapore.
- 0.3% cashback* on all other qualifying spend.
- First year annual fee waived.
- Dining rebate
- Entertainment rebate
- Petrol rebate
- Min. spending of S$600 per calendar month, for all 3 months in a calendar quarter, required to earn 8% cash rebate.
- Cashback* capped at S$250 per calendar quarter.
- Cash rebates* are credited quarterly instead of monthly.
- *Min. spend and other terms & conditions apply. Valid till 31 Dec 2024.
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
- Rebate cap applied
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 26.9 %
Interest on Cash Advance: 28 %
Interest Free Period: 20 Days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$40
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$600 - S$1000
Min. Annual Income: S$65,000
Minimum Age: 21 years old
Citi Cash Back Card
rating
3/ 5
Cashback (Dining)
6 %Cashback (Groceries)
Up to 6 %Cashback (Petrol)
Up to 8 %Cashback Bonus Cap
S$ S$
80 / monthApply through SingSaver and choose from 11 premium rewards
- 6% cashback on dining and grocery spending (local & overseas).
- 8% cashback on petrol and private commute (local & overseas).
- Up to 23.64% savings at Caltex, Esso and Shell, inclusive of 8% cashback for petrol spending.
- With Citi PayAll you can earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Cash Back Card will be updated to end on 31 March 2026. For more information, please click here.
- 0.20% cashback for all other spending, even if you do not meet the min. monthly spend.
- Dining rebate
- Supermarket rebate
- High-value gift
- Min. monthly spend of S$800 required to earn bonus cashback.
- S$80 combined cashback cap across all categories.
- Rebate cap applied
Repayment Details
Minimum Payment: 1 %
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 27.9 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$800
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback (Dining)
5 %Cashback (Baseline)
0.25 %Cashback Bonus Cap
Up to S$ 160 / monthMonthly Spend Required
S$ S$
800Apply through SingSaver and choose from 10 premium rewards
- 6% cashback on fuel spend at all other petrol stations.
- 5% cash rebate on dining spends all day, everyday (includes local/overseas dining and online food delivery).
- 3% cashback on drugstore purchases, streaming service subscriptions and EV charging expenses.
- 3% cashback on groceries at supermarkets (both local and overseas) and online groceries.
- 3% cashback on private hire (Grab/Gojek) and taxi rides (both local and overseas).
- 3% cashback on recurring telco and electricity bills.
- S$160 monthly cashback cap (up from S$80).
- Up to 22.92% fuel savings at Caltex (incl. 18% instant discount for all fuel) and 6% cashback on fuel spend at all other petrol stations.
- 2-year annual fee waiver.
- Earn up to 4.65% p.a. interest on first S$100,000 of OCBC 365 Account balance.
- Great for homemakers, working adults, cashback lovers, enjoy flexibility over min. spend (S$800 or S$1,600), drive frequently
- Read our full review of the OCBC 365 Credit Card .
- Petrol rebate
- Dining rebate
- High min. spend of either S$800 or S$1,600 per calendar month
- Min. annual spend of S$10,000 from date of issue to qualify for automatic annual fee waiver.
- S$80 monthly cashback cap with minium spend of $800.
- S$160 monthly cashback cap with mininum spend of $1,600.
- Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus cashback.
- Interest on outstanding balance increased from 26.88% p.a. to 27.78% p.a.
- Monthly spend required
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Cash Advance: 28.92 %
Interest Free Period: 23 days
Interest on Purchase: 27.78 %
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$800
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback (Baseline)
0.3 %Cashback Bonus Cap
S$ S$
120 / monthApply through SingSaver and choose from 9 premium rewards
- Up to 10% cash rebates on food delivery via foodpanda, GrabFood and Deliveroo.
- Up to 10% cash rebates on in-store spend in Malaysian Ringgit (MYR).
- Up to 10% cash rebates on SimplyGo.
- Up to 5% cash rebates on Amazon.sg, Lazada, Shopee, RedMart, Taobao and TikTok Shop.
- Up to 5% cash rebates at Popular bookstores (in-person and online)
- 5% cash rebates at Sheng Siong supermarkets.
- 6% cash rebates at SPC.
- 3% cash rebates at Pet Lovers Centre.
- 0.3% cash rebates on all other eligible spend.
- Cash rebates (in Daily$) never expire.
- Read our full review of the POSB Everyday Card.
- Food delivery
- Online shopping rebate
- Min. spend of S$800 per calendar month required for accelerated cash rebate earn rate.
- S$20 monthly cash rebate cap for dining, Sheng Shiong, Popular, online shopping, SimplyGo, and MYR categories respectively.
- Rebate cap applied
- Monthly spend required
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: 8 %
Eligibility
Monthly Spend Required: S$800
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback (Dining)
Up to 6 %Cashback (Travel)
1.5 %Airmiles (Retail)
Up to 6.94 miles / S$1.60 spentRewards Points (Dining)
Up to 20 points / dollarYou’ll also receive the following welcome gift(s) directly from the bank
- Enjoy competitive rates and complimentary benefits at over 1,600 Fine Hotels + Resorts properties worldwide.
- Up to 6 dining experiences for your and your loved ones across the year with Table for Two by Platinum
- Complimentary access to over 1,550 lounges across 500 airports in 140 countries.
- Gain instant status to higher tiers of leading hotel loyalty programs.
- Complimentary Access into Tower Club.
- Membership Rewards Points never expire.
- Up to 50% savings at premium dining locations with Love Dining.
- Bonus air miles
- Dining savings
- Airport lounge
- Annual fee: S$1,744 (inclusive of GST).
- Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
- Annual Fee required
Repayment Details
Minimum Payment: N/A
Late Payment Charge: 2.5 %
Interest on Purchase: N/A
Interest on Cash Advance: N/A
Interest Free Period: N/A
Fees
Annual Fee: S$1,744
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: No Fee
Cash Advance Service Charge: 5 %
Eligibility
Monthly Spend Required: S$0
Minimum Annual Income: Conditional
Minimum Age: 21 years old
DBS Live Fresh Card
Promo Code:
SINGSAVER
Cashback (Local Online Shopping)
Up to 6 %Cashback (Baseline)
0.3 %Cashback (Overseas)
Up to 6 %Min. Annual Income
S$ S$
30,000Apply through SingSaver and choose from 9 premium rewards
- Get up to 6% cashback on Shopping and Transport spend
- Get unlimited 0.3% cashback on all spend
- Earn an extra 3.25% cashback on In-store Overseas Spend at your favourite destinations in Asia from Japan, Malaysia, Thailand and more
- Enjoy first-year annual fee waiver
- Enjoy more fresh deals and exclusive perks
- Spending on the card and crediting your salary can earn you 0.05% p.a. or more on your DBS Multiplier account
- Online Rebate
- Shopping
- Public transportation
- Min. monthly spending of S$800 required to earn up to 6% cashback on Shopping and Transport spend
- Cashback on Shopping spend capped at S$50 per calendar month
- Cashback on Transport spend capped at S$20 per calendar month
- Rebate cap applied
- Monthly spend required
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$800
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
UOB EVOL Card
rating
3.7/ 5
Cashback (Dining)
10 %Cashback (Baseline)
0.3 %Cashback Bonus Cap
S$ S$
80 / monthMonthly Spend Required
S$ S$
800Apply through SingSaver and choose from 2 premium rewards
- Enjoy no FX fees on overseas foreign currency spend worldwide with no min. spend, no cap.
- Enjoy 10% cashback on Local Online and Mobile Contactless (Apple Pay, Samsung Pay, google Pay) Spend
- 10% on Selected Gym, Telco and Streaming Spend
- Get 3% cashback on all Overseas FX Spend till 31 Jan 2026.
- Get 10% cashback on mobile contactless MYR spend in Malaysia till 31 Jan 2026.
- All other spends earn 0.3% cashback.
- Gain access to over 1,000 deals at eco-friendly, dining, and online shopping merchants.
- Receive a first-year annual fee waiver. Annual fee for subsequent years waived with min. 3 transactions every month.
- Get greater savings with up to 4.5% p.a. interest with UOB One Account+.
- Online shopping rebate
- Mobile contactless rebate
- No FX fees
- Overseas in-store FX spend rebate
- Minimum spend of S$800 each statement month to enjoy accelerated cashback earn rate.
- S$80 total cashback cap per statement month (S$30 cap for local online and mobile spend; S$20 cap for selected gym, telco and streaming spend; and S$30 cap for all other spend. Plus, additional $20 cap on the 1% cashback on all Overseas Foreign Currency Spend till 31 Dec 2025.
- Additional S$20 cap on 10% cashback on mobile contactless MYR spend in Malaysia and S$20 cap on 1% cashback on all overseas FX spend till 31 Jan 2026.
- Monthly spend required
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 21 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 0 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$800
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Airmiles (Local)
1.2 miles / dollarAirmiles (Overseas)
2.2 miles / dollarAirmiles (Travel)
Up to 10 miles / dollarAirport Lounge Access
2 visits per year*Apply through SingSaver and choose from 11 premium rewards
- 1.2 miles per S$1 spent locally.
- 2.2 miles per S$1 spent in foreign currency.
- Citi Miles never expire. Can be exchanged for a variety of frequent flyer miles, hotel stays, rewards and cash rebates.
- Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
- Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll.
- 2 free airport lounge visits per year to participating Priority Pass lounges worldwide.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi PremierMiles Card will be updated to end on 31 March 2026. For more information, please click here.
- 11 different airline and hotel transfer partners.
- Generous sign-up bonus with relatively low minimum spend.
- Read our full review of the Citi PremierMiles Card.
- No expiry air miles
- Airport lounge
- Travel rebate
- Gift: Apple product
- Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles.
- Service fee applies to Citi PayAll facility.
Repayment Details
Minimum Payment: 1 %
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 27.9 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback
1.6 %Cashback Bonus Cap
No capMonthly Spend Required
NoneAnnual Fee Waiver
1 yearApply through SingSaver and choose from 10 premium rewards
- 1.6% unlimited cashback on all eligible spending with no min. spend and no cap
- Cashback automatically credited to cardholder's OCBC INFINITY Account
- 1 year annual fee waiver
- Read our review of the OCBC INFINITY Cashback Card.
- No rebate cap
- No monthly spend required
- Annual fee waiver
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.78 %
Interest on Cash Advance: 28.92 %
Interest Free Period: 23 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Min. Annual Income: S$30,000
Minimum Age: 21 years old
Citi Rewards Card
rating
4.4/ 5
Rewards Points (Shopping)
Up to 10 points / dollarRewards Points (Baseline)
1 point / dollarRewards Points Cap
9,000 ThankYou Points / monthApply through SingSaver and choose from 11 premium rewards
- 10X rewards points for all online purchases except mobile wallet and travel-related transactions.
- 10X rewards points for in-store shopping purchases at department stores, clothing stores and more.
- 1X rewards points on all other purchases.
- Pair with amaze card to turn offline transactions into online transactions.
- No cap on base rewards points.
- Rewards points conversion rate: 440 Points = S$1
- Rewards points are rounded down to the nearest 10 points on all purchases.
- Use Citi PayAll to earn ThankYou PointSM when you pay your bills with your Citi Rewards Card.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Rewards Card will be updated to end on 31 March 2026. For more information, please click here.
- Read our full review of the Citi Rewards Card
- Bonus air miles
- Travel insurance
- Annual Fee waiver
- High-value gift
- Bonus rewards points capped at 9,000 points per statement month.
- Can no longer convert Citi ThankYou Points into miles (as of February 2026).
Repayment Details
Minimum Payment: 1 %
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 27.9 %
Interest Free Period: 25 Days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Other cards to consider
Maybank Horizon Visa Signature Card
While primarily a travel card, the Maybank Horizon Visa Signature Card can indirectly enhance your dining experiences. By accumulating miles on dining spend, you can unlock travel rewards that could include dining in exotic locations. Its low minimum spend makes it a decent option if you want to earn rewards on dining while also working towards travel goals. Read our full review.
Standard Chartered Rewards+ Credit Card
The Standard Chartered Rewards+ Credit Card, while not exclusively a dining card, can still be valuable. If your dining spend is part of your overseas travel, the card's bonus points on select overseas spending can boost your rewards earned on those meals. The flexibility of its redeemable rewards also allows you to choose dining vouchers or experiences. Read our full review.
Maximising your dining rewards
Savvy foodies know how to make their credit cards work for them. Here are some tips to maximise your dining rewards:
-
Choose the right card: Look for credit cards with high cashback rates or bonus rewards on dining spending.
-
Stack promotions: Take advantage of credit card promotions and discounts offered by restaurants to double-dip on savings.
-
Utilise multiple cards: Strategically use different cards for different types of dining expenses to maximise your rewards. For instance, use a cashback card for everyday dining and a miles card for fine dining experiences.
-
Don't forget online food delivery: Many dining credit cards also offer rewards for online food delivery platforms like GrabFood and foodpanda. Check your card's terms and conditions to see if you can earn rewards on your food delivery orders.
Compare the best credit card for restaurants in Singapore
UOB EVOL Card
Best for cashback on dining
This card is a powerhouse for mobile-savvy diners, offering a solid 10% cashback on contactless transactions. It's also suitable for those who frequently use food delivery apps, since it also offers up to 10% cashback for online spend. The catch is the minimum spend, but if you hit that, it's a great earner. Read our full review.
HSBC Revolution Credit Card
Best for rewards on restaurants
This card is a flexible points-earner, giving you 10x points on online and contactless spending, including dining. The points can be converted to cashback or miles, giving you options. With no minimum spend and a wide range of eligible categories, it's a versatile choice for everyday dining and online purchases. Read our full review.
UOB Lady’s Card
Best for airmiles on dining
If you're looking to turn your dining spend into air miles, this card is a solid option. You can select dining as your preferred category and earn up to 10 miles per dollar. It's especially good for those who also enjoy luxury shopping, with the LuxePay instalment plan. Read our full review.
UOB One Card
Best for ”fast” food
This card is ideal for frequent fast-food and food delivery users, especially with the up to 20% cashback for new cardmembers on platforms like McDonald's and GrabFood. It also offers cashback on a broad range of everyday spending categories, making it a good all-rounder. Read our full review.
The American Express® Platinum Credit Card
Best for fine dining
This card is designed for those who enjoy higher-end dining experiences. The Love Dining by Platinum programme offers significant savings at select restaurants, and the card's overall premium benefits cater to a lifestyle that includes fine dining and bespoke experiences. Read our full review.
POSB Everyday Card
Best for food delivery
This card shines for those who frequently order in, with 10% cashback on platforms like FoodPanda and Deliveroo. It's also strong for everyday spending, with cashback on groceries and utilities. If you're a regular food delivery user, this is a good choice. Read our full review.