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Best Dining Credit Cards in Singapore (2020)

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Citi Cash Back Card

Citi Cash Back Card

SingSaver's Exclusive OfferFeatured
Citi Cash Back Card
S$30,000
Min. Annual Income
S$900
Annual Savings
SingSaver's Exclusive Offer:
Get rewarded with an Apple Watch SE (worth S$419) or S$300 cash via PayNow when you apply and make a qualifying spend with your card. Valid till 30 Nov 2020. T&Cs apply.

HSBC Visa Platinum Credit Card

HSBC Visa Platinum Credit Card

Welcome GiftFeatured
HSBC Visa Platinum Credit Card
S$30,000
Min. Annual Income
5%
Cashback on diningon local dining
S$1,000
Annual Savings
Welcome Gift:
S$150 cashback or Samsonite luggage for new-to-bank customers + S$30 Lazada voucher for SingPass MyInfo applications. T&Cs apply.
OCBC Frank Card

OCBC Frank Card

SingSaver's Exclusive OfferFeatured
OCBC Frank Card
S$30,000
Min. Annual Income
5%
Cashback on dining
S$900
Annual Savings
SingSaver's Exclusive Offer:
Get S$50 Grab vouchers and up to S$50 cashback when you apply. Valid till 31 Dec 2020. T&Cs apply.
CIMB Platinum Mastercard

CIMB Platinum Mastercard

Welcome Gift
CIMB Platinum Mastercard
S$30,000
Min. Annual Income
S$1,200
Annual Savings
Welcome Gift:
Get $100 cash credit when you apply. Valid till 31 Oct 2020. T&Cs apply.

[Lucky Draw] Stand to get 6 months' worth of credit card bills paid for, just by spending on your CIMB card! A monthly cash prize of S$1,000 will also be given out. Valid till 28 Feb 2021. T&Cs apply.
UOB One Card

UOB One Card

Welcome Gift
UOB One Card
S$30,000
Min. Annual Income
Welcome Gift:
Get S$150 cash credit when you apply and make a min. spend of S$1,500. Valid till 31 Oct 2020. T&Cs apply.
OCBC 365 Credit Card

OCBC 365 Credit Card

SingSaver's Exclusive Offer
OCBC 365 Credit Card
S$30,000
Min. Annual Income
S$960
Annual Savings
SingSaver's Exclusive Offer:
Receive up to S$100 GrabFood vouchers upon card approval. Valid till 31 Oct 2020. T&Cs apply.
American Express CapitaCard

American Express CapitaCard

Welcome Gift
American Express CapitaCard
S$30,000
Min. Annual Income
S$936
Annual Savings
Welcome Gift:
Receive a set of Sennheiser CX350BT Wireless In-Ear Headphones (worth S$149) when you spend S$3,000 in your first 3 months. Valid till 30 Nov 2020. T&Cs apply.

Black Friday Offer: Get S$150 Agoda vouchers OR S$150 CapitaVouchers with min. spend of S$1,000 within the first month of card approval. Valid till 2 Nov 2020. T&Cs apply.
HSBC Advance Credit Card

HSBC Advance Credit Card

Welcome Gift
HSBC Advance Credit Card
S$30,000
Min. Annual Income
Welcome Gift:
S$150 cashback or Samsonite luggage for new-to-bank customers + S$30 Lazada voucher for SingPass MyInfo applications. T&Cs apply.
UOB YOLO Card

UOB YOLO Card

Welcome Gift
UOB YOLO Card
S$30,000
Min. Annual Income
S$720
Annual Savings
Welcome Gift:
Get S$150 cash credit when you apply and make a min. spend of S$1,500. Valid till 31 Oct 2020. T&Cs apply.
Citi SMRT Platinum Visa Card

Citi SMRT Platinum Visa Card

Welcome Gift
Citi SMRT Platinum Visa Card
S$30,000
Min. Annual Income
5%
Cashback on diningon selected dining merchants
Welcome Gift:
Receive S$120 cashback when you apply. T&Cs apply.

Why get a dining credit card?
A dining card gives additional rewards (i.e. cashback) when you make dining-related transactions. They include fast food restaurants, cafes, pubs and bars, caterers and takeaways.

What types of promotions do dining credit cards offer?
Credit cards have tie-ups with restaurants to offer exclusive deals. Some even have their own program of special gourmet privileges. You can enjoy perks on dining such as:

Who should get a dining credit card?
If you dine out frequently, consider having a go-to dining credit card in your wallet. But note that for food deliveries, not all dining credit cards recognise it as an eligible transaction. Instead, consider credit cards that give you additional rewards for online spend.

(Pro tip: Refer to this article for the latest food delivery promo codes)

What if I don’t spend that much on dining?
You can consider credit cards that give you rewards for multiple categories besides dining, such as transport, petrol and groceries. Examples of such credit cards include Citi Cash Back, OCBC 365 and UOB YOLO.

Need some help?
No worries, we've got you covered!
What is a dining credit card?

Dining credit cards in Singapore refer to credit cards that reward you for F&B related spending. This could be dining at a restaurant, fast food outlet, cafe or bars. If you eat out frequently and enjoy trying new places, choosing the right dining credit cards with a wide array of partner restaurants and privileges will help make dining out (or ordering in) more affordable and rewarding.

What are some examples of credit card dining privileges?

Using credit cards to pay for restaurant meals or bar drinks has its perks. You can get rewarded in the form of cashback, miles, points or discounts. Some restaurants offer a percentage discount on the bill when you use a specific bank’s credit card. Others may offer 1-for-1 dishes or a complimentary dessert.

There are also providers such as HSBC that offer 1-for-1 deals all year round with their free ENTERTAINER with HSBC access.

How do dining credit cards work?

Finding the best dining credit card that’s right for your lifestyle comes down to understanding how each credit card works. Here are 3 common terms credit cards might have: 

  • Minimum spend required to qualify for the cashback 
  • Monthly cap on the cashback you receive from dining 
  • Different rates for weekday or weekend dining
What are the advantages of using a credit card for dining?

Dining credit cards usually offer cashback or reward points for your dining spend, in which you can redeem vouchers, air miles or cash rebates. These credit cards also offer exclusive dining deals with special restaurants and bars they partner with. You can check out the credit cards with the best dining perks here.

Do dining credit card rewards apply to online food delivery services as well?

Most dining credit card rewards apply to online food delivery services, although this can vary from bank to bank. Do check the fine prints before you apply. For more discounts on your food delivery, bookmark this article: Food Delivery Promo Codes 2020 - GrabFood, Deliveroo, Foodpanda, WhyQ

What are some of the dining deals available?
How do I redeem promotions and offers?

Just like other credit cards, the reward points or cashback that you earn from your dining credit card at restaurants will be automatically reflected in the credit cards’ rewards program or in your next credit card statement. Some special promotions and offers may require you to register with your credit card issuer first before you can redeem it.

What should I keep in mind when using dining credit cards?

Before using dining credit cards, you should check the bank's definition for eligible dining spend and its affiliated restaurants and bars. You could also rack up more reward points when you spend during public holidays and weekends. 

However, do take note that some reward points have an expiry date or limit for redemption. You should also keep an eye out for the minimum monthly spend and cashback cap.

What features should I look out for when getting dining credit cards?

Consider features such as: 

  • Cashback rate/rewards for dining 
  • Minimum monthly spend 
  • Monthly cashback cap 
  • Rewards for spending on other categories (e.g. groceries, petrol, online shopping) 
  • Additional perks (e.g. free travel insurance)
How do I choose the best dining credit card for my lifestyle?

You can choose based on the features listed in the question above or based on your spending habits, which include: 

  • Food delivery 
  • Weekend dining 
  • 1-for-1 deals 
  • Fine dining 

Read this article on the best dining credit cards where we’ve done all that filtering for you.

Can I get cashback on overseas dining spend?

This varies depending on the dining credit card you get. For example, the Citi Cash Back card gives you 8% cashback on dining at restaurants and cafes worldwide, while the HSBC Visa Platinum card gives you 5% cashback on all food and beverage outlets in Singapore. 

If you plan to spend more on dining overseas, check on the eligible dining transactions in the terms and conditions before you apply.

What are the fees involved when using dining credit cards?

Dining credit cards may charge annual fees and late payment fees. However, these fees are similar across all types of credit cards, rather than being a charge specific to dining credit cards.

How many dining credit cards should one have?

This depends on the size of your dining expenditure, and your ability to pay your credit card bills on time. You can consider having multiple dining credit cards if you tend to spend more on dining and frequently hit the cashback cap of your dining card. 

Ensure that you are not spending beyond your means just because you decided to take up an extra dining credit card.

Why should I apply for a dining card with SingSaver (and not through the bank)?

Financial comparison sites like SingSaver help you with impartial comparisons between the different products, and highlight unique selling points of each of them. That way, it’s easier for you to decide which cards best suit your needs. We also tie up with banks to reward our users with exclusive promotions and bonus incentives upon the sign-up of a new credit card.

How should I compare the best dining credit cards?

To compare the best dining credit cards, you can use a financial comparison site like SingSaver. Here, you can compare the different dining credit cards based on factors such as cashback, minimum annual income and even your preferred bank provider. Alternatively, you can read our blog to find our which is the best dining credit card based on your dining spend.

What is an instant / digital credit card and how do I get it?

In a bid to go all digital, some banks offer instant / digital credit cards. This means that upon the bank’s approval, you will receive a digital card which you can use immediately. As these cards are digital, you no longer have to wait 1 to 2 weeks for the physical card to arrive in your mail to make a transaction. 

When applying for such digital cards, follow the bank’s instructions on where you can find your digital card (with the credit card number) once it is approved.

Confused about credit card terms?

Glossary terms to know for first-time credit card users

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