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Credit Card FAQs

Singapore is the most expensive city in the world, and dining at a good restaurant can cost hundreds of dollars a meal. If you don't want to miss out on the latest food trends or meals out with friends, use a dining credit card. This special type of credit card lets you earn cashback or restaurant discounts when you use it to pay for your meals.

Credit cards partner with hundreds of restaurants, food outlets, and even coffee shops to reward loyal customers. In these cases, dining credit card rewards often come in the form of exclusive discounts, 1-for-1 deals, and complimentary dishes when a cardholder is present at the table.

Your card provider's website should have a list of their partner restaurants, as well as the dining promotion cardmembers can enjoy when they pay using their credit card. Pay special attention to the terms and conditions, as these deals are usually not valid on public holidays and certain special occasions. If you don't want to miss out on any new promotions, you can opt in on email communications or SMS notifications from your card provider so you'll be the first to know if there are new restaurants in their dining programme.

Because we know you love a good deal, we keep track of all sorts of dining promotions you can use with your credit card. Visit our blog to see the latest Citibank buffet promotions, OCBC buffet promotions, and other credit card restaurant deals.

Redemption depends on the type of dining credit card you have.

If your card gives rebates on dining spend, it works much like a cashback credit card - a small percentage of your spend gets credited to your account. If the card earns you reward points for dining at partner restaurants, simply accumulate your points as you dine and redeem them for vouchers listed in your card's rewards catalogue.

For credit cards that provide discounts or 1-for-1 deals at partner restaurants, present your card at the time of order or when your bill arrives. They will then apply the discount or offer before you sign the bill. Take note that these discounts typically don't apply on public holidays.

As with any type of credit card, read the fine print before getting too excited about the dining deal you're about to score. You may have to meet certain terms and conditions, such as a minimum monthly purchase, before you can avail of your special privileges.

Do you eat out with friends and family more than three times a week? Do you love sampling different restaurants and queuing up at the hottest new eateries in town? Do meals out take up a significant portion of your disposable income? Then it might be worth your while to apply for a dining credit card, as this will give you cash rebates or discounts every time you order a meal.

There's no doubt that you save more money when you prepare your meals at home. Nevertheless, a big family dinner out or a long lazy brunch with friends is a much-needed respite from the fast pace of daily living. By choosing the right credit card to pay for your meal, eating out in Singapore becomes more affordable and can even earn you valuable rewards.

The best dining credit card depends entirely on your lifestyle. If you eat out at different establishments regularly, it may be best to get a cashback or rewards type of card. That way, you get a small rebate or earn points every time you dine.

If you're not so adventurous and only patronise a few specific restaurants, consider a credit card that will give you up-front discounts or dining deals at your favourite establishments. Just make sure to read the fine print of the promotion, and take note of the days when the deals do not apply.

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