OCBC 365 Credit Card
S$196.20
Best Dining Credit Cards in Singapore (2026)
Updated: 7 Aug 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
⚡ Quick Answer
| Card | Card benefit | Annual Fee | Min. Annual Income |
|---|---|---|---|
| 0.3 - 9.25 % cashback | S$196.20 | S$30,000 | |
| 0.25 - 6 % cashback | S$196.20 | S$30,000 | |
| 0.3 - 10 % cashback | S$196.20 | S$30,000 |
🍽️ SingSaver's TipsCashback rate matters less than the cap — a lower rate with no monthly ceiling can out-earn a higher rate once your spending crosses the cap.See Full Comparison Below
Disclaimer: The information on this page is for general educational and informational purposes only and should not be considered financial or investment advice.
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.
Decision Guide
Best Credit Card for Dining
Product | Best For | Dining Benefits | Min monthly spend | Monthly cap |
|---|---|---|---|---|
Multi-purpose foodie needs | 6% cashback on dining and groceries | S$600 - S$1000 | S$250 / quarter | |
Overall dining & food deliveries | 5% cashback on dining (including online delivery) | S$800 | Up to S$160 / month | |
1-for-1 Dining Deals | 3% cash rebates on dining spend; 10% cash rebates on online food delivery at foodpanda and Deliveroo | S$800 | S$110 / month | |
Best for mobile contactless payment | 10% cashback on online, mobile contactless, and overseas in-store foreign currency spend | S$800 | - | |
Fine dining | Up to 50% at selected restaurants via Love Dining program | S$0 | - | |
Best for unlimited cashback with min. spend | 2% cashback on Wine and Dine category | S$1000 | - | |
Best for accumulating miles | 3 miles per dollar (local/overseas dining and travel) | None | - |
Before You Compare
01
Check the minimum monthly spend
Most dining cards need S$800-S$1,000 spent monthly to unlock bonus cashback.
02
Know your monthly cashback cap
Caps range from a S$20 sub-cap to fully unlimited, depending on the card.
03
Confirm the annual fee waiver terms
Some cards need 3 purchases monthly for 12 months to waive the annual fee.
04
Watch your card's interest rate
Retail interest rates around 27.8%-27.9% p.a. can erase rebates if unpaid.
Best for maximum cashback on local + overseas dining: HSBC Live+ Credit Card
Perfect for: Diners who want the highest headline cashback rate on both local and overseas restaurant spend.
The HSBC Live+ Credit Card leads this list as the best dining credit card for maximum cashback, offering up to 8% cashback on dining, shopping, and entertainment — both locally and overseas — for the first two calendar quarters from card issuance, provided you spend at least S$1,000/month in that window. Thereafter, the rate steps down to 5% cashback with a lower S$600/month spend requirement. Fuel spend at Caltex and Shell also earns 5% cashback.
Cashback is capped at S$250 per calendar quarter, and credited quarterly rather than monthly — so budget accordingly if you rely on the rebate for cash flow. All other qualifying spend outside the bonus categories earns a flat 0.3% cashback.
Beyond the cashback, cardholders get up to 15% off at over 200 restaurants across Asia via the Live+ Dining Programme, plus 1-for-1 dining, travel, and lifestyle deals through the complimentary ENTERTAINER with HSBC app. The first-year annual fee is waived, with subsequent years waived on S$12,500+ annual spend.
Key financial reminder: The retail purchase interest rate is 26.9% p.a., so clearing your balance in full each cycle is essential to keep the rebate as pure profit.
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 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 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 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 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.
Choosing the best dining credit card comes down to your personal eating and spending habits:
- For maximum cashback overall: The HSBC Live+ Credit Card offers up to 8% cashback on dining, shopping and entertainment (both local and overseas), the highest headline rate on this list, though capped quarterly at S$250.
- For everyday households: The OCBC 365 Card offers up to 6% cashback (5% specifically on dining) that adapts to your monthly budget with tiered caps up to S$160/month.
- For families and JB food trips: The POSB Everyday Card delivers up to 10% cashback on food delivery and MYR in-store spend, ideal for group meal planners.
- For mobile-first spenders: The UOB EVOL Card maximises mobile contactless and online delivery spend with 10% cashback.
- For big spenders & connoisseurs: The American Express Platinum Card provides instant upfront luxury value through Love Dining, 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? Compare Singapore's top dining cards side-by-side on SingSaver today to find the perfect card for your palate.
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.
The information on this page is for educational and informational purposes only and should not be considered financial or investment advice. While we review and compare financial products to help you find the best options, we do not provide personalised recommendations or investment advisory services. Always do your own research or consult a licensed financial professional before making any financial decisions.