Best Dining Credit Cards in Singapore (2024)

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). 

These credit cards provide the best value for their very respectable cashback, discounts and exclusive privileges.

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. 

Perfect for: Those that love to pay with their mobile phones

[Update!] 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. And 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.

Meanwhile, all other spend will earn a base 0.3% cashback.

Unfortunately, it's previously low qualifying monthly spend at S$600 per statement month has now been increased to S$800 – a minimum spend requirement on par with other cashback cards like Citi Cash Back Card and OCBC 365 Card. As a result, its cashback cap has now been revised to S$80 per statement month (S$30 on online and mobile contactless spend, S$20 on overseas spend, and S$30 on 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 

Dining merchant	Promo details	Validity
Peach Garden	1-for-1 on ala carte seafood section (same dish only)	1 Jun 2024 - 31 May 2025
Black Marble Singapore	1-for-1 Penne with Pesto (S$28++)   1-for-1 Chicken Cacciatore Spaghetti (S$30++)   Available for both lunch and dinner daily	1 Jun - 30 Nov 2024   Except for eve of PHs, PHs, and other festive occasions
YakiniQuest	1-for-1 add-on Japanese Wagyu Beef MISUJI 1 cut	1 Jun 2024 - 31 May 2025
Sichuan Tianfu Restaurant	1-for-1 non-alcoholic drinks + 10% off total ala carte food bill   Available at Beach Road outlet only	1 Jun 2024 - 31 May 2025
Capasso	1-for-1 on any main dish (except Fiorentina T-Bone steak)	1 Jun 2024 - 31 May 2025
Brotzeit German Bier Bar & Restaurant	1-for-1 on main course (Valid from Mon to Fri, 11am to 3pm)	1 May - 30 Nov 2024
Coucou Hotpot	1-for-1 on all seasonal ala carte menu	1 May 2024 - 30 Apr 2025

Note: This list is non-exhaustive. You can refer here for the full list of 1-for-1 DBS/POSB dining promos.

On the other hand, if you prefer dining from the comfort of home at the end of the day, the POSB Everyday Card nets you a delicious 10% cash rebate on online food delivery at foodpanda and Deliveroo, so that's nice to keep in mind. 😉

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. 

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.

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.

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.