Best Dining Credit Cards in Singapore 2025

The UOB One Card is a strong contender for those who frequently indulge in "fast" food, particularly McDonald's and GrabFood, offering up to 20% cashback for new cardmembers. Its broad cashback categories, spanning online shopping, groceries, and utilities, make it a versatile choice for everyday spending. The card's tiered cashback system, coupled with petrol savings and potential interest earnings with the UOB One Account, provides significant value for consistent spenders.

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The American Express® Platinum Credit Card is tailored for those who appreciate fine dining, offering up to 50% savings through the Love Dining by Platinum programme. Its exclusive benefits, including statement credits for trending restaurants and bespoke bar experiences with Chillax by Platinum, create a premium dining lifestyle. The card's generous rewards programme, with points that never expire and a permanent miles transfer fee waiver, adds to its allure for discerning cardholders.

The POSB Everyday Card is ideal for those who frequently order food delivery, offering a substantial 10% cashback on platforms like FoodPanda, Deliveroo, and WhyQ. Its robust cashback offerings extend to daily essentials, groceries, and utilities, making it a valuable card for everyday spending. The card's uncapped cashback and extensive merchant partnerships add to its appeal for budget-conscious consumers.

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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.

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.

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.