Best Dining Credit Cards in Singapore (2025)
Are you a foodie who will only consider leaving the comfort of your home to try the hottest restaurant in town? Here are the best dining credit cards you should have in your wallet.
written_by SingSaver Team
updated: Jun 03, 2025
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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.
How to choose the best credit card for dining
Singapore's vibrant culinary scene offers a myriad of choices, and so does its competitive credit card market. For discerning diners looking to maximize rewards, selecting the right credit card can lead to significant savings through cashback, miles, or exclusive dining privileges. The best card ultimately hinges on individual spending habits, reward preferences, and desired level of exclusivity.
Consider these factors when choosing a credit card that will reward you for dining:
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Reward Type: Are you after miles, cashback, or reward points that can be converted into other perks?
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Earn rate: How much cashback or how many miles/points do you earn per dollar spent on dining? Look for cards with accelerated rates for dining expenses.
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Caps on rewards: Be aware of any monthly or quarterly caps on the amount of cashback or bonus miles you can earn.
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Minimum spending requirements: Some cards require a minimum monthly spend to unlock higher reward rates or waive annual fees. Assess if your typical spending aligns with these requirements.
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Annual fees: Many premium dining cards come with annual fees. Evaluate if the benefits and rewards outweigh this cost. Some cards offer fee waivers for the first year or upon meeting certain spending criteria.
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Dining deals: Look out for cards that offer exclusive 1-for-1 dining deals, discounts at partner restaurants, or access to curated culinary events.
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Contactless and online payments: With the rise of food delivery services and contactless payments, ensure the card you choose rewards the types of transactions you make the most.
Best credit cards for dining
For overall dining and food delivery
OCBC 365 Credit Card
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| Min. Annual Income | S$ 30,000 |
|---|---|
| Card benefit | 0.25 - 6% cashback |
| Annual Fee | S$ 196.20 |
| REWARDS | |
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SingSaver’s take
Do you love food as much as you 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$160 cashback cap.
Besides the 5% cashback on all-day local and overseas dining, you’ll get to enjoy an array of cashback privileges on other spending categories; cardmembers can reap 3% on groceries (online & in-store), private hire rides and recurring telco and electricity bills, drugstore purchases, streaming services and even electric vehicle charging.
OCBC 365 credit card really is a great everyday card that happens to also reward you handsomely for your gastronomic indulgences — all 365 days a year.
For a cashless dining experience
UOB EVOL Card
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| Min. Annual Income | S$ 30,000 |
|---|---|
| Card benefit | 0.3 - 10% cashback |
| Annual Fee | S$ 196.20 |
| REWARDS | |
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SingSaver’s take
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. 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.
On top of that, 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. With the UOB EVOL card, you can enjoy over 1,000 deals from fashion to dining.
The downside is that it comes with a minimum monthly spend requirement of S$800, which is on par with other cashback cards like Citi Cash Back Card and OCBC 365 Card.
For 1-for-1 dining deals
POSB Everyday Card
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| Min. Annual Income | S$ 30,000 |
|---|---|
| Card benefit | 0.3 - 10% cashback |
| Annual Fee | S$ 196.20 |
| REWARDS | |
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SingSaver’s take
Do you eat to live or live to eat? Regardless of which end of the spectrum you fall on, 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$15 per month.
For fine dining deals
American Express Platinum Card
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| Min. Annual Income | Conditional |
|---|---|
| Card benefit | 2 - 20 points / dollar |
| Annual Fee | S$ 1,744.00 |
| REWARDS | |
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SingSaver’s take
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.
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$80,000 or more to be eligible for the card. Privileges aside, the card only offers a low 0.6% cashback on dining and other spending so if you prefer benefits in the form of cold hard cash, this might not be the card for you.
For dining out and groceries
Citi Cash Back Card
on_provider_website
| Min. Annual Income | S$ 30,000 |
|---|---|
| Card benefit | 0.2 - 8% cashback |
| Annual Fee | S$ 196.20 |
| REWARDS | |
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SingSaver’s take
The Citi Cash Back Card is a great multipurpose 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, both in Singapore and overseas. Citibank credit cards 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.
Frequently asked questions about dining credit cards in Singapore
Which credit card is best for food delivery?
The POSB Everyday Card offers up to 10% cash rebates on food delivery; similarly, the UOB EVOL Credit Card offers up to 10% cashback on contactless payments, which encompasses food delivery. Both are great options to consider.
Is credit card accepted by GrabFood?
Yes, you can use a credit card to pay for your GrabFood order.
Can I get cashback on overseas dining spend?
Yes, some cards reward you for in-store FX spend, although this may not be limited only to dining transactions. The UOB EVOL Credit Card is one such card.