Best Dining Credit Cards in Singapore 2024
updated: Nov 04, 2024
Savour the finest of Singapore's culinary scene with our selection of top dining credit cards. Enjoy exclusive rewards, discounts, and privileges at the city's best restaurants, whether you're a local cuisine enthusiast or a global food explorer.
Best Dining Credit Cards in Singapore
| credit_card | Rewards Points Dining | Cashback Dining | Airmiles Dining | offers_rewards | apply | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
10 points per dollar | Up to 3% | Up to 3.47 miles per S$1.60 spent | eligible_rewards (2) | on_provider_website | eligible rewards (2) on_provider_website | ||||||
10 points per dollar | 2.5% | 4 miles per dollar | N/A | ||||||||
5 points per dollar | 1.24% | 1.45 miles per dollar | eligible_rewards (8) | on_provider_website | eligible rewards (8) on_provider_website | ||||||
15 TREATS Points per S$5 spent | 0.81% | 1.2 miles per dollar | eligible_rewards (3) | on_provider_website | eligible rewards (3) on_provider_website | ||||||
Up to 20 points per dollar | Up to 6% | Up to 6.94 miles per S$1.60 spent | eligible_rewards (2) | on_provider_website | eligible rewards (2) on_provider_website | ||||||
n_a | 2% | n_a | eligible_rewards (1) | on_provider_website | eligible rewards (1) on_provider_website | ||||||
n_a | 6% | n_a | eligible_rewards (9) | on_provider_website | eligible rewards (9) on_provider_website | ||||||
n_a | Up to 8% | n_a | eligible_rewards (5) | on_provider_website | eligible rewards (5) on_provider_website | ||||||
n_a | 8% | n_a | eligible_rewards (2) | on_provider_website | eligible rewards (2) on_provider_website | ||||||
n_a | 10% | n_a | eligible_rewards (4) | on_provider_website | eligible rewards (4) on_provider_website | ||||||
1 point per dollar | n_a | n_a | eligible_rewards (9) | on_provider_website | eligible rewards (9) on_provider_website | ||||||
n_a | n_a | 3 miles per dollar | eligible_rewards (2) | on_provider_website | eligible rewards (2) on_provider_website | ||||||
UNI$ 25 for every S$5 spent | n_a | Up to 10 miles per dollar | eligible_rewards (3) | on_provider_website | eligible rewards (3) on_provider_website | ||||||
UNI$ 15 per S$5 | 2.8% | 6 miles per dollar | N/A | ||||||||
Our Pick for Dining Credit Cards for Rewards Points
American Express Platinum Credit Card
on_provider_website
| Rewards Points Dining | 10 points per dollar |
|---|---|
| Rewards Points Baseline | 2 points per dollar |
eligible_rewards (2)
card_details
HSBC Revolution Credit Card
| Rewards Points Dining | 10 points per dollar |
|---|---|
| Rewards Points Baseline | 1 point per dollar |
card_details
Standard Chartered Rewards+ Credit Card
on_provider_website
| Rewards Points Dining | 5 points per dollar |
|---|---|
| Rewards Points Baseline | 1 point per dollar |
eligible_rewards (8)
card_details
Maybank Horizon Visa Signature Card
on_provider_website
| Rewards Points Dining | 15 TREATS Points per S$5 spent |
|---|---|
| Rewards Points Baseline | 5 TREATS Points per S$5 spent |
eligible_rewards (3)
card_details
American Express Platinum Card
on_provider_website
| Rewards Points Dining | Up to 20 points per dollar |
|---|---|
| Rewards Points Baseline | 2 points per dollar |
eligible_rewards (2)
card_details
Our Picks for Dining Credit Cards for Cashback
CIMB World Mastercard
on_provider_website
| Cashback Dining | 2% |
|---|---|
| Cashback Local | 2% |
eligible_rewards (1)
card_details
Citi Cash Back Card
on_provider_website
| Cashback Dining | 6% |
|---|---|
| Cashback Local | Up to 8% |
eligible_rewards (9)
card_details
HSBC Live+ Credit Card
on_provider_website
| Cashback Dining | Up to 8% |
|---|---|
| Cashback Local | Up to 8% |
eligible_rewards (5)
card_details
Maybank Family & Friends Card
on_provider_website
| Cashback Dining | 8% |
|---|---|
| Cashback Local | 8% |
eligible_rewards (2)
card_details
UOB EVOL Card
on_provider_website
| Cashback Dining | 10% |
|---|---|
| Cashback Local | Up to 10% |
eligible_rewards (4)
card_details
Our Picks for Dining Credit Cards for Miles
HSBC Revolution Credit Card
| Airmiles Dining | 4 miles per dollar |
|---|---|
| Airmiles Local | Up to 4 miles per dollar |
card_details
Maybank Horizon Visa Signature Card
on_provider_website
| Airmiles Dining | 1.2 miles per dollar |
|---|---|
| Airmiles Local | 1.2 miles per dollar |
eligible_rewards (3)
card_details
Citi Rewards Card
on_provider_website
| Airmiles Dining | N/A |
|---|---|
| Airmiles Local | 4 miles per dollar |
eligible_rewards (9)
card_details
KrisFlyer UOB Credit Card
on_provider_website
| Airmiles Dining | 3 miles per dollar |
|---|---|
| Airmiles Local | 3 miles per dollar |
eligible_rewards (2)
card_details
UOB Lady's Card
on_provider_website
| Airmiles Dining | Up to 10 miles per dollar |
|---|---|
| Airmiles Local | Up to 10 miles per dollar |
eligible_rewards (3)
card_details
UOB Lady's Solitaire Card
| Airmiles Dining | 6 miles per dollar |
|---|---|
| Airmiles Local | 6 miles per dollar |
card_details
Why get a Dining Credit Card?
A dining card gives additional bonuses – cashback, miles, or rewards – when you make dining-related transactions. They include fast food restaurants, cafes, pubs and bars, caterers and takeaways.
Things to look out for when choosing a Dining Credit Card
When selecting a dining credit card, there are several key factors to consider to ensure it suits your preferences and needs. Here's what to look out for:
Dining rewards and cashback
Check the card's rewards or cashback rates specifically for dining expenses. A higher rebate rate can help you maximise your benefits when dining out.
Promotions and discounts
Look for promotions, discounts, and offers the card provides at dining establishments, including special deals on buffets, high tea, and online food delivery.
Types of dining
Consider the types of dining the card covers – from fine dining to fast food – to make sure it matches your dining preferences.
Partner merchants
See if the card has partnerships with specific restaurants, cafes, or food delivery platforms you frequent.
Exclusions/limitations for merchant or dining promotions
Be aware of any exclusions, limitations, or blackout dates for promotions, as well as minimum spending requirements to qualify.
Online food delivery benefits
Assess the card's annual fee and evaluate whether the dining benefits and rewards justify the cost.
What are the types of dining promotions you can enjoy?
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:
- 1-for-1 deals
- Buffet promotions
- High Tea promotions
- Online Food delivery promotions
Who should get a Dining Credit Card?
A dining credit card is suitable for individuals who frequently dine out, order food delivery, or have a passion for exploring culinary experiences. Here are some types of people who can benefit from getting a dining credit card:
Frequent diners
Individuals who eat out regularly, whether for business or pleasure, can make the most of a dining credit card's rewards and cashback benefits.
Online food delivery users
If you often order food delivery, a dining credit card with promotions tailored to online food orders can help you save on your favourite meals.
For those with frequent social gatherings
If you frequently meet friends, family, or colleagues for meals, a dining credit card can make these gatherings more cost-effective and enjoyable.
Frequently asked questions for Dining Credit Cards
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 Card, OCBC 365 Credit Card, and UOB EVOL Card.
How do dining credit cards work?
Here are a few criteria types that dining credit cards might have:
- Minimum spend required to qualify for the cashback
- Monthly cap on the cashback or bonus miles/rewards points you receive from dining or food delivery
- Merchant category code (MCC) eligibility of dining/food delivery vendors
- Different rates for weekday or weekend dining
What are the advantages of using a credit card for dining?
Dining credit cards usually offer cashback, miles, 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.
Do all 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.
Can I get rebates on overseas dining spend?
This varies depending on the dining credit card you get. For example, the Citi Cash Back Card gives you 6% cashback on dining at restaurants and cafes worldwide, while the Citi Rewards Card gives you 4 miles per S$1 spent on all online dining or food delivery transactions.
If you plan to spend more on dining overseas, check on the eligible dining transactions in the terms and conditions before you apply. Moreover, foreign transaction fees (of around 3.25%) will apply to overseas transactions like overseas dining.
In that case, you can consider travel credit cards like Citi PremierMiles (2 mpd), DBS Altitude (2.2 mpd), OCBC 90°N (2.1 mpd), and others. Even though their miles earn rates might not be the highest compared to other miles credit cards, they help you avoid unnecessary foreign transaction fees and earn miles on overseas spend directly instead.
What are the fees involved when using dining credit cards?
Dining credit cards may charge annual fees and late payment fees if you’re not disciplined in paying your monthly bills on time. That said, 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 I have?
This depends on the size of your dining expenditure, and your ability to pay your credit card bills on time.
For most, one dining credit card is enough to cover individual dining and food delivery expenses.
However, you can consider having multiple dining credit cards if you tend to spend more on dining and frequently hit the rebate cap of your dining card. Or perhaps, you pay for all your family’s dining and food delivery expenses and exceed the rebate cap of one credit card alone. In that case, multiple dining credit cards will make sense too.
But as a general recommendation, avoid spending beyond your means – especially if you decide to take up an extra dining credit card or two.