Feeling lazy on a hot Sunday afternoon? Food delivery is the way to go! Maximise the rewards you can earn with these best credit cards for GrabFood, Foodpanda and Deliveroo.
Best for GrabFood: AMEX Ascend Credit Card | UOB One Card
Best for FoodPanda: POSB Everyday Card | UOB Lady’s Card
Best for Deliveroo: Citi Rewards | Maybank Friends & Family Card
There are those days when the sun is too inhumanely hot to dabao food, or days that are filled with back-to-back meetings that walking to the nearest kopitiam for your lunch is simply not possible.
That’s when food delivery becomes your saving grace if you’d rather pay a little more for the premium prices and delivery fees instead of cooking up a bowl of MSG-filled instant noodles. (But, if you do run out of said noodles, make sure to have the best grocery credit cards with you to maximise rewards of your purchases. 😉)
Are you bogged down by the high prices? Don't worry; these dining credit cards can help you earn miles as you spend or offset your purchases with cashback. Find out which credit cards are most effective for each food delivery merchant — GrabFood, Foodpanda and Deliveroo.
Table of contents
- Best credit cards for GrabFood
- Best credit cards for Foodpanda
- Best credit cards for Deliveroo
- Winner: Best overall credit cards for food delivery
Best credit cards for GrabFood
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Credit card
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Credit card type
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Key benefits & requirements
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AMEX KrisFlyer Ascend Card
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Miles
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3.2mpd on Grab
S$200 monthly spend cap
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CIMB World Mastercard
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Cashback
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2% cashback on online food delivery
Min. S$1,000 spend
No cashback cap
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Citi Rewards Card
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Miles
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10X reward points (4mpd) on online food delivery
Bonus 10X reward points capped at S$1,000 monthly spend
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DBS Woman’s World Card
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Miles
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4mpd on all online transactions
S$1,500 monthly spend cap
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KrisFlyer UOB Card
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Miles
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3mpd on food delivery
Min. spend of S$800 on SIA Group per membership year
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Maybank Family & Friends Card
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Cashback
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8% cashback on 5 preferred categories, including dining & food delivery
Min. S$800 monthly spend
S$25 cashback cap per calendar month per category |
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OCBC 365 Card
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Cashback
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5% cashback on online food delivery
Min. S$800 & S$1,600 monthly spend
Capped at S$80 and S$160 monthly respectively
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UOB Lady’s Card / UOB Lady’s Solitaire Card
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Miles
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10X UNI$ per S$5 (4 mpd) on chosen bonus rate category, including dining
No min. Spend
Bonus points/miles capped at:
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UOB One Card
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Cashback
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Up to 15% cashback on food and beverage like GrabFood
Min. S$500 / S$1,000 / S$2,000 monthly spend Min. 5 transactions per statement month Cashback earned in S$50, S$100 or S$200 respectively per quarter
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UOB Preferred Platinum Visa Card
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Miles
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Up to UNI$10 per S%5 (4mpd) on dining & food delivery
S$1,000 spend cap per calendar mont |
See also: Credit Card Promotions – Exclusive on SingSaver (2024)
Best credit cards for Foodpanda
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Credit card
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Credit card type
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Key benefits & requirements
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CIMB World Mastercard
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Cashback
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2% cashback on online food delivery
Min. S$1,000 spend
No cashback cap
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Citi Rewards Card
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Miles
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10X reward points (4mpd) on online food delivery
Bonus 10X reward points capped at S$1,000 monthly spend
|
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DBS Woman’s World Card
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Miles
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4mpd on all online transactions
S$1,500 monthly spend cap
Including Foodpanda promo codes
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KrisFlyer UOB Card
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Miles
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3mpd on food delivery
Min. spend of S$800 on SIA Group per membership year
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Maybank Family & Friends Card
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Cashback
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8% cashback on 5 preferred categories, including dining & food delivery
Min S$800 monthly spend
S$25 cashback cap per calendar month per category
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OCBC 365 Card
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Cashback
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5% cashback on online food delivery
Min. S$800 & S$1,600 monthly spend
Capped at S$80 and S$160 monthly respectively
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POSB Everyday Card
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Cashback
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10% cash rebate on online food deliveries (foodpanda, deliveroo, whyQ)
Min. S$800 monthly spend
Capped at $15 Daily$
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UOB Lady’s Card / UOB Lady’s Solitaire Card
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Miles
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10X UNI$ per S$5 (4 mpd) on chosen bonus rate category, including dining
No min. spend
Bonus points/miles capped at:
|
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UOB Preferred Platinum Visa Card
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Miles
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Up to UNI$10 per S$5 (4mpd) on dining & food delivery
S$1,000 spend cap per calendar month |
Best credit cards for Deliveroo
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Credit card
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Credit card type
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Key benefits & requirements
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CIMB World Mastercard
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Cashback
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2% cashback on online food delivery
Min. S$1,000 spend
No cashback cap
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Citi Rewards Card
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Miles
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10X reward points (4mpd) on online food delivery
Bonus 10X reward points capped at S$1,000 monthly spend
|
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DBS Woman’s World Card
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Miles
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4mpd on all online transactions
S$1,500 monthly spend cap
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KrisFlyer UOB Card
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Miles
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3mpd on food delivery
Min. spend of S$800 on SIA Group per membership year
|
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Maybank Family & Friends Card
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Cashback
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8% cashback on 5 preferred categories, including dining & food delivery
Min S$800 monthly spend
S$25 cashback cap per calendar month per category |
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OCBC 365 Card
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Cashback
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5% cashback on online food delivery
Min. S$800 & S$1,600 monthly spend
Capped at S$80 and S$160 monthly respectively
|
|
POSB Everyday Card
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Cashback
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10% cash rebate on online food deliveries (foodpanda, deliveroo, whyQ)
Min. S$800 monthly spend
Capped at $15 Daily$
|
|
UOB Lady’s Card / UOB Lady’s Soitaire Card
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Miles
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10X UNI$ per S$5 (4 mpd) on chosen bonus rate category, including dining
No min. spend
Bonus points/miles capped at:
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|
UOB Preferred Platinum Visa Card
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Miles
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Up to UNI$10 per S$5 (4mpd) on dining & food delivery
S$1,000 spend cap per calendar mont
|
Winner: Best overall credit cards for food delivery
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Best for
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Credit card
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For miles
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UOB Lady’s Card / UOB Lady’s Solitaire Card
Citi Rewards Card |
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For cashback
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Maybank Family & Friends Card
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For GrabFood
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AMEX KrisFlyer Ascend Card
UOB One Card |
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For Foodpanda
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POSB Everyday Card
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For Deliveroo
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POSB Everyday Card
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For miles: UOB Lady’s Card / UOB Lady’s Solitaire Card
The UOB Lady’s and UOB Lady’s Solitaire Cards have been all the hype lately, and for good reason. [Update!] Recently, UOB announced that they will have increased their miles rate from 10X UNI$ per S$5 (4mpd) to 25X UNI$ per S$5 (10 mpd) on the category(ies) that you choose when you pair your card with a UOB Lady's Savings Account.
All other spend earns the base 1X UNI$ per S$5 (2 mpd). You’ll also earn the base rate once you hit the bonus rate spend cap.
UOB Lady’s Card — able to choose 1 category per quarter and has a bonus rate spend cap of S$1,000 per month
UOB Lady’s Solitaire Card — able to choose 2 categories per quarter and has a bonus rate spend cap of S$2,000 per month
Here are the categories offered for these cards:
- Beauty and Wellness — cosmetic stores, drug stores, health and beauty stores
- Fashion — department stores, retail stores and shopping websites that sell clothes, shoes and bags as its main business activity
- Dining — restaurants, fast food restaurants and online food delivery
- Family — grocery stores and baby & kids stores
- Travel — airlines, hotels & resorts bookings and duty-free stores
- Transport — fuel stations, taxi rides and local commuter transport
- Entertainment — bars, taverns, lounges, cinemas and ticketing servicing providers
Do note that these cards earn you miles in blocks of S$5 per transaction, meaning if you spend S$4.99 you won’t be able to earn any miles on that transaction.
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SingSaver Exclusive Offer: Get rewarded when you apply for select UOB Credit Cards via SingSaver!
Get S$400 cash via PayNow or Dyson Airstrait (worth S$799) when you are one of the first 3 eligible applicants at 2pm daily to sucessfully apply for selected UOB credit cards and make a min. spend of S$500 within the first 30 days of card approval. Remaining applicants will get S$95 Cash via PayNow. Promotion is valid for new-to-UOB credit cardmembers only. Valid till 31 August 2026. T&Cs apply.
UOB Welcome Offer: Get S$100 Samsung e-vouchers or 10% discount on Samsung Singapore transactions via online store on top of SingSaver exclusive rewards when you apply for a UOB credit card and spend a min. of S$1,000 in the first month from the card’s approval. Valid till 31 August 2026. T&Cs apply.
Worth mentioning: Citi Rewards
Citi Rewards is another notable miles card worth mentioning when you order food delivery. It earns you 10X Rewards per S$1 spend (4mpd) on online and shopping purchases, rides with Grab, Gojek and more, online food delivery and on online groceries — basically all online transactions.
This is how you earn miles:
- 1X Base Rewards Point (0.4 mpd)
- 9X Bonus Rewards Points (3.6 mpd)
💡Pro-tip: Pair your Citi Rewards card with the Instarem amaze Card which automatically converts all spending to online spending.
This makes it a great card for overseas spend too as the Instarem Amaze card doesn’t charge you any foreign currency fees and allows you to earn an extra 1 InstaPoint per S$1 (worth 1% cashback) in foreign currency transactions.
The card, however, does have a spending cap bonus rate of S$1,000 per month. Any spending over that earns you a base miles rate of 1X Reward per S$1 spend (0.4 mpd).
📱Score a Super Smartphone Upgrade📱: Be the first eligible applicant at 3PM and 9PM to apply for Citi Credit Cards to score a reward upgrade to the latest smartphone worth over S$1,800! Valid till 28 September 2026. T&Cs apply.
💰Citi Credit Card + Banking Bundle Offer💰: Score upsized S$500 Cash via PayNow in place of exisiting rewards when you apply for a Citi Credit Card, make a minimum spend of S$500 and hold a valid Citi banking account (existing or newly opened) by the end of the month following card approval. Valid till 30 September 2026. T&Cs apply.
SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Citi Rewards Card:
Receive S$400 Cash via PayNow, The Morning Coffee Machine + 20 Capsules Bundle (worth S$660), 25,000 Max Miles by HeyMax (worth S$450), Dyson Airstrait™ straightener (worth S$799), or Dyson V8 Cyclone Vacuum Cleaner (worth S$559) upon activating and spending a minimum of S$500 within 30 days of card approval. This card offer is exclusively available on SingSaver. Valid till 30 September 2026. T&Cs apply.
Or, upgrade your rewards when you top up as low as S$100. Valid till 30 September 2026. T&Cs apply.
- S$100 for a Dyson Airwrap™ multi-styler and dryer (worth S$799); or
- S$150 for a Dyson Clean+Wash Hygiene hard floor cleaner (worth S$729); or
- S$200 for an Apple iPad (A16) 11" 128GB WiFi (worth S$649); or
- S$340 for Apple AirPods Max 2 (worth S$749); or
- S$580 for an Apple MacBook Neo (A18 Pro) 256GB w/ Magic Keyboard (worth S$999); or
- S$740 for an Apple iPad Air (M4) 11" 128GB WiFi (worth S$1,149)
For cashback: Maybank Family & Friends Card
On the Maybank Family & Friends Card, you’ll be able to earn 8% cashback on food deliveries, as long as you choose it as one of your 5 preferred spending categories:
- Groceries
- Dining & food delivery
- Transport
- Data communication & online TV streaming
- Retail & pets
- Online fashion
- Entertainment
- Pharmacy
- Sports & sports apparels
- Beauty & wellness
The catch though, is that there is a minimum spend of S$800 to hit per month. There’s also a cashback cap of S$125 in total per calendar month, capped at S$25 per category.
If you don’t hit the minimum spend, exceed the cashback cap or spend on non-selected categories, you’ll earn a base cashback rate of 0.3%.
For GrabFood spend: AMEX KrisFlyer Ascend Card
With the AMEX KrisFlyer Ascend card, there is a dedicated bonus rate that you can earn for all spendings on Grab, including GrabFood.
Earn 3.2 KrisFlyer miles on Grab for every S$1 spent on eligible Grab Singapore transactions, up to S$200 spend in each calendar month. For all other local spend, like Foodpanda and Deliveroo orders, you’ll earn 1.2 mpd, with no miles cap.
Worth mentioning: UOB One
If you’re a big fan of GrabFood, you’ll be thrilled to know that you can get up to 15% cashback (new to UOB card customers) and up to 10% cashback (existing cardmembers) specifically on GrabFood, as well as groceries, shopping, health & beauty, transport & travel and utilities.
There are 3 kinds of cashback UOB offers:
- Base cashback (all cardmembers) — 3.33%
- Additional cashback (all cardmembers)— Min. S$500 / S$1,000 spend, capped at S$100 per month
- Enhanced cashback (new-to-UOB cardmembers only) — Min S$2,000 spend, capped at S$100 per month for the first 2 quarters
The quarterly cashback you earn depends on how much qualifying spend you satisfy each month — S$500, S$1,000 or S$2,000 per month, with a minimum of 5 transactions per statement month.
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For 3 consecutive months
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Min S$500 / S$1,000 spend per month
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Min S$2,000 spend per month
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Base cashback
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3.33%
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3.33%
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Additional cashback
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5%
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6.67%
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Enhanced cashback (for new-to-UOB cardmembers only)
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6.67%
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5%
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Total cashback earned
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Existing UOB cardmembers: 10%
New-to-UOB card members: 15% |
Existing UOB cardmembers: 10%
New-to-UOB card members: 15% |
This means that on GrabFood, you will earn an additional 5% cashback in quarterly cash rebates as long as you’re a new-to-UOB cardholder applying for the UOB One card.
SingSaver Exclusive Offer: Get rewarded when you apply for select UOB Credit Cards via SingSaver!
Get S$200 cash via PayNow or Samsonite Straren Spinner 67/24 (worth S$600) when you are one of the first 2 eligible applicants at 2pm and 10pm daily to sucessfully apply for selected UOB credit cards and make a min. spend of S$500 within the first 30 days of card approval. Remaining applicants will get S$95 Cash via PayNow. Promotion is valid for new-to-UOB credit cardmembers only. Valid till 30 September 2026. T&Cs apply.
UOB Welcome Offer: Get S$100 Samsung e-vouchers or 10% discount on Samsung Singapore transactions via online store on top of SingSaver exclusive rewards when you apply for a UOB credit card and spend a min. of S$1,000 in the first month from the card’s approval. Valid till 30 September 2026. T&Cs apply.
For Foodpanda & Deliveroo: POSB Everyday Card
If you’re looking to earn points, the POSB Everyday Card ranks as one of the top contenders, and it also has a dedicated rewards section for food deliveries for FoodPanda and Deliveroo.
For dining, you’ll receive up to 10% cash rebates on online food delivery at FoodPanda, Deliveroo and WhyQ. For other dining spend excluding fast food, you’ll earn 3% cash rebates.
However, you’ll have to spend a minimum of S$800 every month to earn the maximum rebates. There is also a cap of S$30 POSB Daily$ per calendar month, capped at S$15 per category.
Here are other categories you can earn cash rebates on:
- 5% cash rebates on Sheng Shiong groceries
- 5% cash rebates on utility bills
- 5% cash rebates on public transport (SimplyGo)
- 3% cash rebates at Watsons, Pet Lovers Centre
- 0.3% cash rebates on all other spend
- 5% cash rebates on online shopping
- 8% cash rebates at POPULAR physical & online stores
- 3% cash rebates on phone bills
- Up to 20.1% fuel savings at SPC
SingSaver Exclusive Offer: Get rewarded when you apply for select DBS/POSB Credit Cards via SingSaver!
Enjoy S$288 Cash, S$310 Grab Voucher, 18,000 HeyMax Miles (worth S$324), Morning Mini Bundle + 20 Capsules Bundle (worth S$425), or Samsonite STRAREN Spinner 67/24 (worth S$600) when you apply and spend a minimum of S$500 within 30 days of card approval. Use promo code SINGSAVER. Valid till 30 September 2026. T&Cs apply.
Or, upgrade your rewards when you top up as low as S$150. Valid till 30 September 2026. T&Cs apply.
- S$150 for a Dyson V8 Cyclone vacuum (worth S$559); or
- S$200 for a Dyson Airstrait (worth S$799); or
- S$200 for Sony WH-1000XM6 Earphone (worth S$649); or
- S$350 for an Apple iPad A16 11-inch (worth S$649)
Welcome Offer: Get up to S$200 cashback on Cashline when you select “Cashline” in your application on the DBS/POSB website (except foreigners) and have a minimum S$188 closing balance accumulated for Cashline withdrawals in the first two statement months upon account opening. Valid till 30 September 2026. T&Cs apply.
Read these next:
Best Cashback Credit Cards in Singapore (2023)
Best Unlimited Cashback Credit Cards in Singapore (2023)
Best Miles Credit Cards in Singapore (2023)
Best Rewards Credit Cards in Singapore (2023)
Best Credit Cards For Your Fast Food Cravings at McDonald's
The Real Cost: Food Delivery in Singapore
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