OCBC 365 Credit Card
S$196.20
Best Dining Credit Cards in Singapore (2026)
Updated: 1 Jul 2026
If you're a foodie leaving the comforts of your home to try the hottest restaurant in town, here are the credit cards you should have in your wallet.
Written byAfina Najib
Senior Content Editor - Singapore
Every spending situation is unique. SingSaver assembles the 'Best For' list, so you can decide what’s best for you.
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).
If you're a foodie leaving the comforts of your home to try the hottest restaurant in town, here are the credit cards you should have in your wallet.
Best Credit Card for Dining
| Best For | Credit card | Dining Benefits | Min monthly spend | Monthly cap |
| Overall dining & food deliveries | OCBC 365 Card | 5% cashback on dining (including online delivery) | S$800 / S$1,600 | S$80 / S$160 |
| Best for mobile contactless payment | UOB EVOL Card | 10% cashback on online, mobile contactless, and overseas in-store foreign currency spend | S$800 | S$80 |
| 1-for-1 Dining Deals | POSB Everyday Card | 3% cash rebates on dining spend; 10% cash rebates on online food delivery at foodpanda and Deliveroo | S$800 | S$20 monthly sub-cap |
| Fine dining | American Express Platinum Card | Up to 50% at selected restaurants via Love Dining program | None | None |
| Multi-purpose foodie needs | Citi Cash Back Card | 6% cashback on dining and 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 dining and travel) | N/A (S$800 annual spend instead) | None |
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 stands firmly as the best dining rebate credit card for standard households, offering 5% cashback on local and overseas dining, including online food delivery at the likes of Deliveroo and GrabFood. The icing on the cake is that it offers a highly competitive tiered cashback cap of S$80 per month assuming you spend at least S$800 per calendar month. If you're a big spender, elevating your monthly outlays to S$1,600 shifts your ceiling to a generous 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, recurring telco and electricity bills, drugstore purchases, streaming services, and even EV charging. Own a car? You'll be glad to hear that you will get 6% cashback on fuel spend at all petrol service stations, alongside up to 29.5% fuel savings at Caltex, Esso, and Sinopec. The 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.
Note for savvy spenders: With impending updates to payment processing ecosystems later this year—such as the structural removal of preferential interchange rates for fast food (MCC 5814) by major card networks—more smaller eateries are projected to align under general restaurant coding (MCC 5812), rendering whitelist cards like the OCBC 365 even more resilient and versatile for your daily food hunts. However, be mindful that the bank's retail purchase interest rate on outstanding balances is 27.78% p.a., so always clear your bills in full to protect your rebates.
Best for mobile contactless payment: UOB EVOL Card
Perfect for: Those that love to pay with their mobile phones.
If you are wondering which credit card is best for dining via your smartphone wallet, the UOB EVOL Credit Card is a dominant contender. It offers an impressive 10% cashback on online and mobile contactless spend via Apple Pay, Google Pay, Samsung Pay, or Garmin Pay. For online shoppers, this means you enjoy an accelerated rate on online food delivery apps, standard digital transactions, entertainment, and Grab spend. If you ever have a culinary or shopping itch that can't be fulfilled locally, overseas in-store foreign currency spend also nets you the same high tier. Meanwhile, all other standard retail spend will earn a base 0.3% cashback.
To unlock these accelerated rates, you must meet a qualifying minimum spend of S$800 per statement month. Its monthly cashback cap is set at S$80, structurally divided into sub-caps to balance your budget: S$30 on local online and mobile contactless transactions (where your casual mobile wallet dining sits), S$20 on select recurring bills/gym memberships, and S$30 on other standard retail spend.
With the UOB EVOL card, you'll also enjoy over 1,000 regional privileges ranging from fashion to popular bistro discounts. The physical card is also sustainably constructed, being Southeast Asia's first bio-sourced credit card. The best part? The annual fee is automatically waived as long as you make at least three purchases per month, for 12 consecutive months, before your next annual renewal date.
See also: Credit Card Annual Fee Waiver Guide
Best for 1-for-1 dining deals: POSB Everyday Card
Perfect for: Value-hunting families looking for immediate savings and reliable meal deals.
Although the 3% cash rebates on dining spend offered by the POSB Everyday Card might seem modest on paper compared to aggressive niche cards, it functions perfectly as a dual-action best dining rewards credit card. It pairs reliable everyday rebates with a robust catalog of ongoing hotel buffet and restaurant discounts across Singapore. Cardholders get up to 10% cash rebates on online food delivery platforms like foodpanda and Deliveroo to satisfy stay-in cravings.
To trigger the accelerated cash rebates, a minimum monthly spend of S$800 is required. The accelerated cashback is capped systematically, featuring a strict S$20 monthly sub-cap for the dining category alongside dedicated limits for Sheng Siong groceries, Eco-travel, and online shopping.
Where this card truly shines is its passport to exclusive cardmember promotions. POSB and DBS cardholders gain access to seasonal 1-for-1 dining tables at reputable establishments across town—including popular selections like the Peranakan buffet at Sun's Cafe (Hotel Grand Pacific) and weekend spreads at Plate (Carlton City Hotel)—valid throughout 2026.
Best for fine dining deals: American Express Platinum Card
Perfect for: Epicureans who regularly seek premium culinary experiences and high-end hotel restaurants.
The AMEX Platinum Card is the absolute creme de la creme of lifestyle cards if fine dining is the primary kind of dining you fancy. It completely removes the pressure of hit-or-miss spending targets, carrying a minimum monthly spend of None and a monthly cap of None. Instead of standard post-transaction rebates, it operates as a premium best dining credit card through upfront luxury discounts.
The crown jewel of this card is the curated American Express Love Dining program. This unlocks up to an exceptional 50% off your total food bill at a stellar line-up of partner hotels and standalone fine dining establishments across the island. The discount structure scales perfectly according to your party size: you get 50% off when two people dine, making it the ultimate tool for date nights or catching up with a close friend. (The rate scales to 35% off for three diners, 25% off for four, and 20% off if you dine alone or with a group of five or more).
Participating luxury hotel venues running stably through late 2026 include culinary staples at the Conrad Centennial Singapore, Fairmont Singapore, Marriott Tang Plaza, and The Capitol Kempinski Hotel. Notable independent restaurants include household names like Peach Garden and Si Chuan Dou Hua. Additionally, Platinum members can take advantage of the recurring S$200 Global Dining Credit to offset statement charges at designated fine dining hotspots locally and overseas.
Best for multi-purpose foodie needs: Citi Cash Back
Perfect for: Home cooks who love dining out just as much as preparing fresh meals in the kitchen.
For the modern consumer whose food budget is evenly split between supermarkets and weekend bistros, the Citi Cash Back Card is an exceptional best dining credit card option. It cuts through categorical confusion by delivering a powerful 6% cashback on global dining and online food delivery, paired seamlessly with an identical 6% cashback on global groceries and supermarkets.
To activate these bonus tiers, you need to hit a minimum monthly spend of S$800. Rather than restricting you with complex individual category limits, Citibank utilizes a straightforward combined cap of S$80 per month across all bonus fields. This allows you the flexibility to spend heavily on dining out one month, or shift your focus to high-end home grocery shopping the next, without losing out on your accelerated rebates. Furthermore, drivers can take advantage of up to 8% cashback on fuel purchases at Esso and Shell.
Key financial reminder: Keep in mind that Citibank’s retail purchase interest rate and cash advance interest rate stand at 27.9% p.a., with a late payment charge of S$100. Ensuring your card balance is paid off in full each month guarantees that the 6% return goes directly back into your pocket as pure profit.
Best for unlimited cashback with min. spend: CIMB World MasterCard
Perfect for: Large families, weddings, and high-net-worth foodies who routinely breach standard cashback caps.
If your lifestyle involves hosting massive family gatherings or regular entertaining at high-end bistros, typical capped rebate cards will stop rewarding you mid-month. The CIMB World MasterCard elegantly solves this by acting as the best credit card for restaurants when it comes to uncapped cash returns. It rewards cardmembers with an unlimited 2% cashback specifically targeted at the Wine & Dine category (which includes standard restaurants, bars, and lounges).
To qualify for the 2% rate, you must hit a minimum monthly spend of S$1,000. If you fall short of this floor, the card defaults to a flat, unlimited 1% cashback on your transactions. Because there is absolutely no ceiling on your maximum monthly payout, it represents the ideal financial tool for paying for large banquet bills, corporate dinners, or expensive wine tastings that would instantly max out a standard card.
As an added benefit for the frequent lifestyle spender, the card offers an unlimited 2% cashback on other major luxury and utility categories, including lounges, cruise lines, tourist attractions, and automobile expenses. It also features a permanent annual fee waiver for both principal and supplementary cards, completely eliminating yearly maintenance anxiety.
Best for miles accumulation: KrisFlyer UOB
Perfect for: Jetsetters who prefer to turn their restaurant bills into luxury holiday flights.
If you prefer to skip immediate cashback in favor of redeeming premium cabin flights, the KrisFlyer UOB Credit Card stands out as the ultimate best dining rewards credit card for travel enthusiasts. It features a unique mechanism that awards an uncapped 3 KrisFlyer miles per dollar (mpd) on what it defines as "Sia Group and Everyday Spend." This whitelisted category covers global dining, online food delivery, online shopping, online travel bookings, and local transport options like SimplyGo and private hire rides.
Unlike traditional miles cards that require high upfront monthly spends to trigger accelerated rates, the KrisFlyer UOB card utilizes a macro-level structure: you only need to spend a minimum of S$800 annually on Singapore Airlines, Scoot, or the KrisFlyer Kris+ ecosystem within your card membership year to lock in the 3 mpd rate on your dining expenses.
There is no monthly cap on the miles you can accumulate, meaning every single dollar spent on food directly builds your travel fund. Miles earned are deposited directly into your linked KrisFlyer account monthly without any conversion fees, eliminating administrative hurdles and ensuring your next holiday is funded every time you dine.
Summary & Key Takeaways
Choosing the best dining credit card comes down to your personal eating and spending habits:
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For Casual Foodies & Delivery Lovers: The OCBC 365 Card offers a resilient 5% rebate that adapts easily to your monthly budget with its tiered caps.
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For Tech-Savvy Diners: The UOB EVOL Card maximizes mobile contactless and online delivery spend with an impressive 10% cashback rate.
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For Big Spenders & Connoisseurs: The American Express Platinum Card provides instant upfront luxury value through its 1-for-1 Love Dining program, while the CIMB World MasterCard guarantees unlimited 2% returns for high-ticket banquets without any caps.
Dine Like a King
🍽️ Ready to turn your food bills into massive savings or your next holiday flight? Don't let your culinary adventures go unrewarded. Compare Singapore's top dining cards side-by-side on SingSaver today to find the perfect card for your palate and start earning maximum rewards on every bite!
About the author
Afina Najib
Spending most of her young writer's phase working as a freelancer, Afina's written for various industries ranging from e-commerce, travel to health and finance. Her expertise lies in her ability to make complex subjects like finance easy to consume for everyday readers.