Best Dining Credit Cards in Singapore 2025

Updated: 22 May 2025

Did you know you can earn rewards while eating out? With the right dining credit card, you can maximise your cashback or accumulate miles with every restaurant visit or delivery order. Promotions and exclusive dining deals can further enhance your gastronomic adventures. But with so many options available, how do you choose the best credit card for dining out in Singapore? We'll explore key factors like cashback percentages, rewards programmes, and exclusive dining perks to help you make the tastiest choice.
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Card
Hot Reward Pick
SingSaver Reward
Card Benefit
Monthly Spend Required
Bonus Cap
HSBC Live+ Credit Card
HSBC Live+ Credit Card
S$799
0.3 - 8 % cashback
S$600 - S$1000
S$250 / quarter
Citi Cash Back Card
Citi Cash Back Card
S$1,749
0.2 - 8 % cashback
S$800
S$80 / month
UOB One Card
UOB One Card
S$350
3.33 - 10 % cashback
Tiered S$500 +
S$200 / quarter
Standard Chartered Rewards+ Credit Card
Standard Chartered Rewards+ Credit Card
S$659
1 - 10points / dollar
None
-
American Express Platinum Credit Card
American Express Platinum Credit Card
S$200
2 - 10points / dollar
Conditional
-
POSB Everyday Card
POSB Everyday Card
-
-
0.30 - 10 % cashback
S$800
S$110 / month
Standard Chartered Smart Credit Card
Standard Chartered Smart Credit Card
S$659
0.50 - 6 % cashback
-
No cap
DBS Woman's World Card
DBS Woman's World Card
-
-
1 - 10 DBSpoints / dollar
-
-

Show All Cards (10)

Maybank Family & Friends Card
UOB Lady's Solitaire Card

HSBC Live+ Credit Card: Best for overall dining expenses

Cashback (Dining)
Up to 8 %
Cashback (Shopping)
Up to 8 %
Cashback (Petrol)
Up to 8 %
Cashback Bonus Cap
S$ 250 / quarter

SingSaver Reward up to SGD$799- with others only S$589

Pros & Cons

Citi Cash Back Card: Best for families who love to eat in and out of home

Cashback (Dining)
6 %
Cashback (Groceries)
Up to 6 %
Cashback (Petrol)
Up to 8 %
Cashback Bonus Cap
S$ 80 / month

SingSaver Reward up to SGD$549- with others only S$589

Pros & Cons

UOB One Card: Best for food delivery

Monthly Spend Required
Tiered S$ 500 +
Cashback Bonus Cap
S$ 200 / quarter

Pros & Cons

Standard Chartered Rewards+ Credit Card: Best for overseas dining spends

Airmiles (Dining)
1.45 miles / dollar
Airmiles (Overseas)
2.9 miles / dollar
Monthly Spend Required
None

SingSaver Reward up to SGD$659- with others only S$499

Pros & Cons

American Express Platinum Credit Card: Best for membership program rewards

Rewards Points (Dining)
10 points / dollar
Rewards Points (Retail)
10 points / dollar
Annual Fee
S$ 327

Pros & Cons

POSB Everyday Card: Best for fast food spends

Cashback (Baseline)
0.3 %
Cashback Bonus Cap
S$ 110 / month

Pros & Cons

Standard Chartered Smart Credit Card: Best for high earn rate

Cashback (Dining)
6 %
Cashback (Baseline)
0.5 %
Cashback Bonus Cap
No cap

SingSaver Reward up to SGD$659- with others only S$499

Pros & Cons

DBS Woman's World Card: Best for online dining transactions

Airmiles (Food Delivery)
4 miles / dollar
Airmiles (Online Shopping)
4 miles / dollar
Airmiles (Baseline)
0.4 miles / dollar
Airmiles Bonus Cap
S$ 1,500 per calendar month

Pros & Cons

Maybank Family & Friends Card: Best for restaurant spends

Cashback (Dining)
8 %
Monthly Spend Required
S$ 800
Cashback Bonus Cap
S$ 125 / month

Pros & Cons

UOB Lady's Solitaire Card: Best for bars & nightclubs

Airmiles (Bonus)
4 miles per dollar
Airmiles (Baseline)
0.4 miles per dollar
Monthly Spend Required
None
Airmiles Bonus Cap
8,000 miles / month

Pros & Cons

Other cards to consider

Maybank Horizon Visa Signature Card

While primarily a travel card, the Maybank Horizon Visa Signature Card can indirectly enhance your dining experiences. By accumulating miles on dining spend, you can unlock travel rewards that could include dining in exotic locations. Its low minimum spend makes it a decent option if you want to earn rewards on dining while also working towards travel goals. Read our full review.

Standard Chartered Rewards+ Credit Card

The Standard Chartered Rewards+ Credit Card, while not exclusively a dining card, can still be valuable. If your dining spend is part of your overseas travel, the card's bonus points on select overseas spending can boost your rewards earned on those meals. The flexibility of its redeemable rewards also allows you to choose dining vouchers or experiences. Read our full review.

Maximising your dining rewards

Savvy foodies know how to make their credit cards work for them. Here are some tips to maximise your dining rewards:

  • Choose the right card: Look for credit cards with high cashback rates or bonus rewards on dining spending.

  • Stack promotions: Take advantage of credit card promotions and discounts offered by restaurants to double-dip on savings.

  • Utilise multiple cards: Strategically use different cards for different types of dining expenses to maximise your rewards. For instance, use a cashback card for everyday dining and a miles card for fine dining experiences.

  • Don't forget online food delivery: Many dining credit cards also offer rewards for online food delivery platforms like GrabFood and foodpanda. Check your card's terms and conditions to see if you can earn rewards on your food delivery orders.

How we chose these cards

Compare the best credit card for restaurants in Singapore

UOB EVOL Card

Best for cashback on dining

This card is a powerhouse for mobile-savvy diners, offering a solid 10% cashback on contactless transactions. It's also suitable for those who frequently use food delivery apps, since it also offers up to 10% cashback for online spend. The catch is the minimum spend, but if you hit that, it's a great earner. Read our full review.

HSBC Revolution Credit Card

Best for rewards on restaurants

This card is a flexible points-earner, giving you 10x points on online and contactless spending, including dining. The points can be converted to cashback or miles, giving you options. With no minimum spend and a wide range of eligible categories, it's a versatile choice for everyday dining and online purchases. Read our full review

UOB Lady’s Card

Best for airmiles on dining

If you're looking to turn your dining spend into air miles, this card is a solid option. You can select dining as your preferred category and earn up to 10 miles per dollar. It's especially good for those who also enjoy luxury shopping, with the LuxePay instalment plan. Read our full review.

UOB One Card

Best for ”fast” food

This card is ideal for frequent fast-food and food delivery users, especially with the up to 20% cashback for new cardmembers on platforms like McDonald's and GrabFood. It also offers cashback on a broad range of everyday spending categories, making it a good all-rounder. Read our full review.

The American Express® Platinum Credit Card

Best for fine dining

This card is designed for those who enjoy higher-end dining experiences. The Love Dining by Platinum programme offers significant savings at select restaurants, and the card's overall premium benefits cater to a lifestyle that includes fine dining and bespoke experiences. Read our full review.

POSB Everyday Card

Best for food delivery

This card shines for those who frequently order in, with 10% cashback on platforms like FoodPanda and Deliveroo. It's also strong for everyday spending, with cashback on groceries and utilities. If you're a regular food delivery user, this is a good choice. Read our full review.

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.