Best Credit Card 1 for 1 Buffet Promotions 2020

If you enjoy eating out, you should definitely be taking advantage of your credit card's dining privileges and discounts. Cardholders can typically access discounts of up to 50% off their food bill, free a la carte items, or even return vouchers at local merchants. Most cards also offer 1 for 1 buffet promotions at some of the most exclusive hotels in Singapore. We've identified and organised these deals by bank so you can find out which promotions you can readily take advantage of.

Best UOB Credit Cards with Buffet Promotions
  • UOB One: Highest flat rebate on the market, earn up to $300/qtr
  • KrisFlyer UOB: 3mi/S$1 on dining, transport, shopping & travel
  • UOB YOLO: Up to 8% rebate on weekend dining, entertainment, Grab & more
Best Citibank Credit Cards with Buffet Promotions
Best DBS & POSB Credit Card with Buffet Promotions
Best HSBC Credit Cards with Buffet Promotions
Best OCBC Credit Cards with Buffet Promotions
  • OCBC 365: Rebates on essentials with easy fee-waiver
  • OCBC Voyage: Flexible miles redemption, boosted rewards for local dining
Best Maybank Credit Cards with Buffet Promotions
Best Standard Chartered Credit Cards with Buffet Promotions
Best CIMB Credit Cards with Buffet Promotions
Best American Express Credit Card with Buffet Promotions

Compare Best Credit Cards with Buffet Promotions by Dollar Value

Based on an average monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how best credit cards with buffet promotions compare to one another in terms of their rewards
Best Credit Cards with Buffet Promotions by Estimated 2-Year Dollar Value
Best UOB Cards w/ Buffet Promotions Best Citibank Cards w/ Buffet Promotions Best DBS & POSB Card w/ Buffet Promotions Best HSBC Cards w/ Buffet Promotions Best OCBC Cards w/ Buffet Promotions Best Maybank Cards w/ Buffet Promotions Best SC Cards w/ Buffet Promotions Best CIMB Cards w/ Buffet Promotions Best Amex Card w/ Buffet Promotions

Compare Best Credit Cards with Buffet Promotions by Dollar Value

Based on an average monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how best credit cards with buffet promotions compare to one another in terms of their rewards
Best Credit Cards with Buffet Promotions by Estimated 2-Year Dollar Value

Best UOB Credit Card 1-for-1 Buffet Promotions

VenuePromotionValid Until
The Buffet, M Hotel SG1-for-1 select lunch & dinner buffets30 Apr 2020
Triple Three, Mandarin Orchard Singapore1-for-1 dinner buffet (Sun-Thu)30 Apr 2020
Atrium Restaurant, Holiday Inn SG Atrium1-for-1 lunch & dinner buffet31 May 2020
Cafe Mosaic, Carlton Hotel SG1-for-1 "Meat and Sea" dinner buffet31 May 2020
Window on the Park, Holiday Inn Orchard City1-for-1 lunch & dinner buffet31 May 2020
Cocobolo Poolside Bar + Grill1-for-1 BBQ buffet (Fri & Sat)30 Jun 2020
Sun's Cafe, Hotel Grand Pacific SG1-for-1 buffet30 Dec 2020
Triple Three, Mandarin Orchard Singapore1-for-1 lunch buffet30 Apr 2021
Details and eligibility vary and may change. Please check bank website for additional information
Promotions & Details
The Buffet, M Hotel
  • 1-for-1 select lunch & dinner buffets
  • Valid till: 30 Apr 2020
Triple Three, Mandarin Orchard
  • 1-for-1 dinner buffet (Sun-Thu)
  • Valid till: 30 Apr 2020
Atrium Restaurant, Holiday Inn
  • 1-for-1 lunch & dinner buffet
  • Valid till: 31 May 2020
Cafe Mosaic, Carlton Hotel
  • 1-for-1 "Meat and Sea" dinner buffet
  • Valid till: 31 May 2020
Window on the Park, Holiday Inn
  • 1-for-1 lunch & dinner buffet
  • Valid till: 31 May 2020
Cocobolo Poolside Bar + Grill
  • 1-for-1 BBQ buffet (Fri & Sat)
  • Valid till: 30 Jun 2020
Sun's Cafe, Hotel Grand Pacific
  • 1-for-1 buffet
  • Valid till: 30 Dec 2020
Triple Three, Mandarin Orchard SG
  • 1-for-1 lunch buffet
  • Valid till: 30 Apr 2021
Details and eligibility vary and may change. Please check bank website for additional information

UOB Card Dining Promotions are quite comprehensive, spanning a variety of categories (Gourmet, Online, 1-for-1, After Dark and Casual). It's not surprising, then, how many 1-for-1 buffet promotions are offered, including at high end hotel venues throughout Singapore. As consumers must pay the bill with a UOB Credit Card to qualify, we've reviewed a few options that also offer top rates for dining spend.

UOB One Credit Card: Top Rebate for Stable Spenders

  • Up to 5% rebate on all spend, S$300/quarter
  • Promotions: Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups) via our partnership w/ SGSaver
  • Bonus +5% rebate (up to 10%) on Grab & UOB Travel Planner
  • Bonus +1% rebate (up to 6%) on Singapore Power utilities bill
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend)
  • Up to 10% on Grab & select UOB travel, 6% on utilities bills
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programme
If you maintain a consistent budget of at least S$2k/month, you can potentially earn more than S$1,200/year in rewards with UOB One Card. Cardholders who spend at this level every month earn $300 quarterly rebate (equal to S$100/month), which is equal to 5% flat cashback, though certain categories receive an extra boost (+5% on Grab & select UOB Travel, +1% on utilities). Lower or inconsistent spenders earn at a lower rate, which approximates 3.33% rebate, up to S$100/quarter with S$1k/month spend or S$50/quarter with S$500/month spend.


In terms of dining, UOB One Card not only offers a highly competitive category rate given its structure, but also offers cardholders great perks and privileges regardless of their spending level. Cardholders have access to UOB's Dining Advisor, a comprehensive food guide with restaurant reviews and exclusive discounts at local establishments. Just as with UOB's buffet promotions, these dining deals can be accessed simply by paying the final bill with UOB One. Overall, UOB One Card is one of the best cards on the market for stable spenders–and, if dining perks are a priority for you, you'll still have the opportunity to save at some of Singapore's best restaurant venues.

  • Stand-Out: Up to 5% rebate on all spend, S$300/quarter
  • Promotions: Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups) via our partnership w/ SGSaver
  • Bonus +5% rebate (up to 10%) on Grab & UOB Travel Planner
  • Bonus +1% rebate (up to 6%) on Singapore Power utilities bill
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend)
  • Up to 10% on Grab & select UOB travel, 6% on utilities bills
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programme
If you maintain a consistent budget of at least S$2k/month, you can potentially earn more than S$1,200/year in rewards with UOB One Card. Cardholders who spend at this level every month earn $300 quarterly rebate (equal to S$100/month), which is equal to 5% flat cashback, though certain categories receive an extra boost (+5% on Grab & select UOB Travel, +1% on utilities). Lower or inconsistent spenders earn at a lower rate, which approximates 3.33% rebate, up to S$100/quarter with S$1k/month spend or S$50/quarter with S$500/month spend.


In terms of dining, UOB One Card not only offers a highly competitive category rate given its structure, but also offers cardholders great perks and privileges regardless of their spending level. Cardholders have access to UOB's Dining Advisor, a comprehensive food guide with restaurant reviews and exclusive discounts at local establishments. Just as with UOB's buffet promotions, these dining deals can be accessed simply by paying the final bill with UOB One. Overall, UOB One Card is one of the best cards on the market for stable spenders–and, if dining perks are a priority for you, you'll still have the opportunity to save at some of Singapore's best restaurant venues.

KrisFlyer UOB Credit Card: Global Dining Boost for SIA Loyalists

  • Boosted everyday miles w/ SIA perks & privileges
  • Promotions: S$150 cashback with S$1.5k spend in 1st month via our partnership with SGSaver
  • Receive 3,000 KF miles w/ 1st transaction (S$5 min.)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
  • 1.2 mi/S$1 on general spend
  • 10,000 annual renewal miles
  • Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more
Young, budget-conscious travellers willing to travel primarily with SIA can maximise miles rewards with KrisFlyer UOB Card. Cardholders earn 1.2 miles per S$1 general local and overseas spend, elevated to 3 miles for transactions with SIA, SilkAir, Scoot and KrisShop. Those who spend at least S$500/year with SIA brands unlock a boosted 3 miles per S$1 rate on dining, online food delivery, transport, online fashion shopping & travel bookings–fitting spend categories for most young adults, especially those who travel. This S$500 minimimum is quite feasible for those who make 2-3 regional trips annually with SIA.


KF UOB Card also provides perks that complement a budget-friendly travel itinerary. Cardholders receive privileges with Scoot–SIA's most affordable airline–such as free priority check-in & boarding, upgraded baggage allowances, complimentary standard seat selection and flight booking flexibility waivers. With S$100 KrisShop spend, consumers also earn a S$20 rebate. Other perks include S$15 worth of Grab vouchers for trips to and from Changi airport and a S$15 voucher that can be used for ChangiWiFi. There aren't many luxury travel perks (except expedited KF Elite Silver status with S$5k/year SIA spend), but KF UOB Card outshines most other miles cards in terms of convenience and practicality. Even better, the 10,000 annual miles bonus (worth S$100) offsets the S$192.6 fee, making KrisFlyer UOB Card especially affordable.

  • Stand-Out: Boosted everyday miles w/ SIA perks & privileges
  • Promotions: S$150 cashback with S$1.5k spend in 1st month via our partnership with SGSaver
  • Receive 3,000 KF miles w/ 1st transaction (S$5 min.)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
  • 1.2 mi/S$1 on general spend
  • 10,000 annual renewal miles
  • Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more
Young, budget-conscious travellers willing to travel primarily with SIA can maximise miles rewards with KrisFlyer UOB Card. Cardholders earn 1.2 miles per S$1 general local and overseas spend, elevated to 3 miles for transactions with SIA, SilkAir, Scoot and KrisShop. Those who spend at least S$500/year with SIA brands unlock a boosted 3 miles per S$1 rate on dining, online food delivery, transport, online fashion shopping & travel bookings–fitting spend categories for most young adults, especially those who travel. This S$500 minimimum is quite feasible for those who make 2-3 regional trips annually with SIA.


KF UOB Card also provides perks that complement a budget-friendly travel itinerary. Cardholders receive privileges with Scoot–SIA's most affordable airline–such as free priority check-in & boarding, upgraded baggage allowances, complimentary standard seat selection and flight booking flexibility waivers. With S$100 KrisShop spend, consumers also earn a S$20 rebate. Other perks include S$15 worth of Grab vouchers for trips to and from Changi airport and a S$15 voucher that can be used for ChangiWiFi. There aren't many luxury travel perks (except expedited KF Elite Silver status with S$5k/year SIA spend), but KF UOB Card outshines most other miles cards in terms of convenience and practicality. Even better, the 10,000 annual miles bonus (worth S$100) offsets the S$192.6 fee, making KrisFlyer UOB Card especially affordable.

UOB YOLO Card: Cashback for Weekend Spenders

  • Top weekend rebates of up to 8% for social spenders
  • Promotions: Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups) via our partnership w/ SGSaver
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab, select UOB Travel (3% weekdays)
  • 3% online travel & fashion
  • Free travel insurance
If you're a young and social weekend spender, UOB YOLO Card offers an opportunity to max out your cashback rewards while also offering access to great dining deals. Cardholders earn an impressive 8% rebate on weekend dining, entertainment, Grab and select UOB Travel transactions (3% on weekdays) and 3% on online fashion and travel spend. There's a S$600 minimum spend requirement to unlock these rates, but this is lower than the market average. Even better, those who spend just a bit more–$750–on qualifying weekend spend can fully max out the S$60/month rewards cap.


UOB YOLO Card also stands out because of its broad variety of fun perks and privileges. Cardholders enjoy card-specific dining discounts at several casual and elevated restaurants, deals on online food delivery with merchants like Deliveroo, and even 1-for-1 drink promotions at select bars. In terms of entertainment, consumers can also take advantage of discounted event tickets and boosted cashback at Cathay Cineplexes. Overall, UOB YOLO Card is an excellent match for young adults seeking a rewards card that matches their social lifestyle.

  • Stand-Out: Top weekend rebates of up to 8% for social spenders
  • Promotions: Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups) via our partnership w/ SGSaver
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab, select UOB Travel (3% weekdays)
  • 3% online travel & fashion
  • Free travel insurance
If you're a young and social weekend spender, UOB YOLO Card offers an opportunity to max out your cashback rewards while also offering access to great dining deals. Cardholders earn an impressive 8% rebate on weekend dining, entertainment, Grab and select UOB Travel transactions (3% on weekdays) and 3% on online fashion and travel spend. There's a S$600 minimum spend requirement to unlock these rates, but this is lower than the market average. Even better, those who spend just a bit more–$750–on qualifying weekend spend can fully max out the S$60/month rewards cap.


UOB YOLO Card also stands out because of its broad variety of fun perks and privileges. Cardholders enjoy card-specific dining discounts at several casual and elevated restaurants, deals on online food delivery with merchants like Deliveroo, and even 1-for-1 drink promotions at select bars. In terms of entertainment, consumers can also take advantage of discounted event tickets and boosted cashback at Cathay Cineplexes. Overall, UOB YOLO Card is an excellent match for young adults seeking a rewards card that matches their social lifestyle.

Best Citibank Credit Card Dining & Buffet Promotions

VenuePromotionValid Until
Marriott Cafe, SG Marriott Tang Plaza50% off total food bill (lunch buffet)31 Mar 2020
Lime Restaurant, PARKROYAL Pickering20% off on lunch & dinner buffet31 Mar 2020
The Line, Shangri-La Hotel50% off 2nd diner, lunch & dinner buffet31 Mar 2020
The Rose Veranda, Shangri-La HotelUp to 20% off high tea buffet30 Apr 2020
D9 Cakery, Hilton SG50% off 2nd diner, Sat. High Tea Buffet31 May 2020
Atrium Restaurant, Holiday Inn SG1-for-1 lunch & dinner buffet30 Dec 2020
Carousel, Royal Plaza on Scotts20% off total food bill (buffet)30 Dec 2020
Food Capital, Grand Copthorne Waterfront15% off buffet30 Dec 2020
Princess Terrace, Copthorne King's15% off buffet30 Dec 2020
The Orchard Cafe, Orchard Hotel15% off buffet30 Dec 2020
The Buffet, M Hotel SG15% off buffet30 Dec 2020
Town Restaurant, The Fullerton HotelUp to 20% off lunch & dinner buffet30 Dec 2020
Marriott Cafe, SG Marriott Tang PlazaUp to 25% off total food bill (buffet)30 Apr 2021
Details and eligibility vary and may change. Please check bank website for additional information
Promotions & Details
Marriott Cafe, SG Marriott Tang Plaza
  • 50% off total food bill (lunch buffet)
  • Valid till: 31 Mar 2020
Lime Restaurant, PARKROYAL Pickering
  • 20% off on lunch & dinner buffet
  • Valid till: 31 Mar 2020
The Line, Shangri-La Hotel
  • 50% off 2nd diner, lunch & dinner buffet
  • Valid till: 31 Mar 2020
The Rose Veranda, Shangri-La Hotel
  • Up to 20% off high tea buffet
  • Valid till: 30 Apr 2020
Atrium Restaurant, Holiday Inn SG
  • 1-for-1 lunch & dinner buffet
  • Valid till: 30 Dec 2020
D9 Cakery, Hilton SG
  • 50% off 2nd diner, Sat. High Tea Buffet
  • Valid till: 31 May 2020
Carousel, Royal Plaza on Scotts
  • 20% off total food bill (buffet)
  • Valid till: 30 Dec 2020
Food Capital, Grand Copthorne Waterfront
  • 15% off buffet
  • Valid till: 30 Dec 2020
Princess Terrace, Copthorne King's
  • 15% off buffet
  • Valid till: 30 Dec 2020
The Orchard Cafe, Orchard Hotel
  • 15% off buffet
  • Valid till: 30 Dec 2020
The Buffet, M Hotel SG
  • 15% off buffet
  • Valid till: 30 Dec 2020
Town Restaurant, The Fullerton Hotel
  • Up to 20% off lunch & dinner buffet
  • Valid till: 30 Dec 2020
Marriott Cafe, SG Marriott Tang Plaza
  • Up to 25% off total food bill (buffet)
  • Valid till: 30 Apr 2021
Details and eligibility vary and may change. Please check bank website for additional information

In addition to its many 1-for-1 dining promotions, Citibank also offers deals like up to 20% off total food bills and even return vouchers at restaurants across Singapore. These perks are available through Citi World Privileges, a loyalty programme that also offers merchant savings on travel, shopping and lifestyle spend, as well as at select hotels and bars. Promotions are unlocked simply by paying with a qualifying Citi debit or credit card. In some cases, Citi Prestige and Citi Ultima cardholders can access greater discounted rates..

Citi Cash Back Card: Cashback on Global Food & Petrol

  • Up to 8% rebate on global dining, groceries & petrol
  • Promotions: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, & petrol (any station)
  • Up to 20.88% fuel savings at Esso & Shell
Citi Cash Back Card is one of the best options on the market for consumers who spend a large part of their budget on food and petrol. Cardholders earn 8% cashback on dining, groceries and petrol after S$888 minimum spend, up to S$75/month total (capped at S$25/category). This pairs perfectly with Citi's impressive array of dining deals, as well as its partnership with Esso & Shell. Overall, cardholders can easily enjoy both top rates and savings on food & petrol with Citi Cash Back Card.
  • Stand-Out: Up to 8% rebate on global dining, groceries & petrol
  • Promotions: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, & petrol (any station)
  • Up to 20.88% fuel savings at Esso & Shell
Citi Cash Back Card is one of the best options on the market for consumers who spend a large part of their budget on food and petrol. Cardholders earn 8% cashback on dining, groceries and petrol after S$888 minimum spend, up to S$75/month total (capped at S$25/category). This pairs perfectly with Citi's impressive array of dining deals, as well as its partnership with Esso & Shell. Overall, cardholders can easily enjoy both top rates and savings on food & petrol with Citi Cash Back Card.

Citi SMRT Card: Rebates for Young Professionals

  • Rebates w/ popular merchants, 2% on Auto Top-Ups
  • Promotions: Receive up to S$120 cashback with S$1.2k min. spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Up to 7% rebate on groceries, 5% on fast food, movies & coffee
  • 3% online shopping, 2% on health & wellness
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • SimplyGo/ABT compatible
Young professionals on a tight budget can likely earn more cashback with Citi SMRT Card than with any other card on the market. Cardholders earn up to 7% rebate on dining, 5% on fast food, coffee & movies, 3% for online shopping, and 2% on health and wellness after just S$300 minimum spend–one of the lowest minimums on the market. In fact, people with lower budgets only earn 0.3% less in each category, making Citi SMRT Card extremely competitive for those with limited incomes or inconsistent spending.


Citi SMRT Card's categories are merchant limited for the most part, but these merchants are quite popular. For example, cardholders can still earn rebates on essentially all of their fast food spend, with vendors ranging from McDonald's and KFC to Subway, Pizza Hut, Sakae Sushi and many more. While there's a S$192.6 annual fee, it's waived the 1st 2 years, allowing young adults to advance in their career a bit before having to worry about added costs.

  • Stand-Out: Rebates w/ popular merchants, 2% on Auto Top-Ups
  • Promotions: Receive up to S$120 cashback with S$1.2k min. spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Up to 7% rebate on groceries, 5% on fast food, movies & coffee
  • 3% online shopping, 2% on health & wellness
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • SimplyGo/ABT compatible
Young professionals on a tight budget can likely earn more cashback with Citi SMRT Card than with any other card on the market. Cardholders earn up to 7% rebate on dining, 5% on fast food, coffee & movies, 3% for online shopping, and 2% on health and wellness after just S$300 minimum spend–one of the lowest minimums on the market. In fact, people with lower budgets only earn 0.3% less in each category, making Citi SMRT Card extremely competitive for those with limited incomes or inconsistent spending.


Citi SMRT Card's categories are merchant limited for the most part, but these merchants are quite popular. For example, cardholders can still earn rebates on essentially all of their fast food spend, with vendors ranging from McDonald's and KFC to Subway, Pizza Hut, Sakae Sushi and many more. While there's a S$192.6 annual fee, it's waived the 1st 2 years, allowing young adults to advance in their career a bit before having to worry about added costs.

Citi Lazada Card: Miles for Social Lazada Shoppers

  • Miles & discounts w/ Lazada + dining, entertainment & Grab
  • Promotions: Receive S$150 Lazada Voucher w/ S$1.2k spend in 1st 3 mo
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • Up to 4 miles (10pts) per S$1 spend w/ Lazada
  • Up to 2 miles (5pts) per S$1 on dining, travel, entertainment & transport
  • Receive S$1.99 shipping rebate for Lazada purchases of S$50+ (up to 4x/mo)
  • Exclusive offers & discounts with Lazada
  • Free travel insurance
At first, Citi Lazada Card may seem like just another branded shopping card–however, it also has a fairly competitive rewards rate for dining. Cardholders earn 4 miles per S$1 spend with Lazada, complemented by shipping rebates and card-specific discounts, but also earn 2 miles per S$1 on dining, entertainment, travel and transport. This is a great option for Lazada shoppers who want a credit card they can use beyond their online shopping sprees. Still, rewards are capped at just 4,000 miles/month (about S$40 value-to-consumer) which can be maxed out with as little as S$1,000 spend. As a result, Citi Lazada Card is best fit to Lazada loyalists with a small-to-moderate shopping & social budget.
  • Stand-Out: Miles & discounts w/ Lazada + dining, entertainment & Grab
  • Promotions: Receive S$150 Lazada Voucher w/ S$1.2k spend in 1st 3 mo
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • Up to 4 miles (10pts) per S$1 spend w/ Lazada
  • Up to 2 miles (5pts) per S$1 on dining, travel, entertainment & transport
  • Receive S$1.99 shipping rebate for Lazada purchases of S$50+ (up to 4x/mo)
  • Exclusive offers & discounts with Lazada
At first, Citi Lazada Card may seem like just another branded shopping card–however, it also has a fairly competitive rewards rate for dining. Cardholders earn 4 miles per S$1 spend with Lazada, complemented by shipping rebates and card-specific discounts, but also earn 2 miles per S$1 on dining, entertainment, travel and transport. This is a great option for Lazada shoppers who want a credit card they can use beyond their online shopping sprees. Still, rewards are capped at just 4,000 miles/month (about S$40 value-to-consumer) which can be maxed out with as little as S$1,000 spend. As a result, Citi Lazada Card is best fit to Lazada loyalists with a small-to-moderate shopping & social budget.

Best DBS & POSB Credit Card Buffet Promotions

VenuePromotionValid Until
Town Restaurant, The Fullerton Hotel1-for-1 lunch & dinner buffet27 Apr 2020
Asian Market Cafe, Fairmont SG1-for-1 lunch & dinner buffet30 Apr 2020
CLOVE, Swissôtel The Stamford1-for-1 lunch & dinner buffet30 Apr 2020
The Clifford Pier, The Fullerton Bay Hotel1-for-1 dinner buffet27 May 2020
Marriott Cafe, SG Marriott Tang Plaza50% off dinner buffet30 Jun 2020
Cafe Mosaic, Carlton Hotel SG50% off lunch & dinner buffet30 Dec 2020
Coleman's Cafe, Peninsula Excelsior1-for-1 weekend lunch & dinner buffet30 Dec 2020
Triple Three, Mandarin Orchard SG1-for-1 lunch buffet or 50% off 2nd dinner30 Dec 2020
Carousel, Royal Plaza on Scotts20% off total food bill31 Dec 2020
Element Restaurant, Amara SG1-for-1 lunch buffet or 50% off 2nd dinner31 Dec 2020
Details and eligibility vary and may change. Please check bank website for additional information
Promotions & Details
Town Restaurant, The Fullerton Hotel
  • 1-for-1 lunch & dinner buffet
  • Valid till: 27 Apr 2020
Asian Market Cafe, Fairmont SG
  • 1-for-1 lunch & dinner buffet
  • Valid till: 30 Apr 2020
CLOVE, Swissôtel The Stamford
  • 1-for-1 lunch & dinner buffet
  • Valid till: 30 Apr 2020
The Clifford Pier, The Fullerton Bay Hotel
  • 1-for-1 dinner buffet
  • Valid till: 27 May 2020
Marriott Cafe, SG Marriott Tang Plaza
  • 50% off dinner buffet
  • Valid till: 30 Jun 2020
Cafe Mosaic, Carlton Hotel SG
  • 50% off lunch & dinner buffet
  • Valid till: 30 Dec 2020
Coleman's Cafe, Peninsula Excelsior
  • 1-for-1 weekend lunch & dinner buffet
  • Valid till: 30 Dec 2020
Triple Three, Mandarin Orchard SG
  • 1-for-1 lunch buffet or 50% off 2nd dinner
  • Valid till: 30 Dec 2020
Carousel, Royal Plaza on Scotts
  • 20% off total food bill
  • Valid till: 31 Dec 2020
Element Restaurant, Amara SG
  • 1-for-1 lunch buffet or 50% off 2nd dinner
  • Valid till: 31 Dec 2020
Details and eligibility vary and may change. Please check bank website for additional information

DBS credit cardholders can enjoy 1-for-1 buffet promotions at many of Singapore's high-end hotels. Consumers should keep in mind, however, that each of these promotions has a different set of terms and conditions specific to that restaurant venue. For example, there are typically limitations on the number of guests on a reservation, and some restaurants require cardholders to make reservations at least 2 days in advance. Take care to read through the details associated with a promotion so you can be sure to avoid extra costs and complications. Here are a few DBS & POSB credit cards you can use to pay for the final bill.

POSB Everyday Card: Top Promotional Rebates on Essentials

  • Promotional rebates of up to 15% in key spend categories
  • Promotions: S$220 cashback w/ promo code "SHOP220" via our partnership with SGSaver
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% on groceries
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • SimplyGo/ABT capabilities for public transit fares
POSB Everyday Card offers extremely competitive promotional rates across a variety of key spending categories. In fact, cardholders can often earn as much as 15% rebate in select spend areas. Frequent rewards-eligible categories include online food delivery, groceries, petrol, personal care and recurring bills. Some, but not all, of these categories are merchant restricted; this is also true regarding rewards caps and minimum spending requirements. In all cases, however, POSB Everyday Card offers consumers a great way to earn competitive rates on their daily expenditures, including less-rewarded categories like health and electric.
  • Stand-Out: Promotional rebates of up to 15% in key spend categories
  • Promotions: S$220 cashback w/ promo code "SHOP220" via our partnership with SGSaver
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% on groceries
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • SimplyGo/ABT capabilities for public transit fares
POSB Everyday Card offers extremely competitive promotional rates across a variety of key spending categories. In fact, cardholders can often earn as much as 15% rebate in select spend areas. Frequent rewards-eligible categories include online food delivery, groceries, petrol, personal care and recurring bills. Some, but not all, of these categories are merchant restricted; this is also true regarding rewards caps and minimum spending requirements. In all cases, however, POSB Everyday Card offers consumers a great way to earn competitive rates on their daily expenditures, including less-rewarded categories like health and electric.

Best HSBC Credit Card Buffet Promotions

VenuePromotionValid Until
The Square, Novotel SG Clarke Quay25% off buffet24 Mar 2020
The Salon, Hotel Fort Canning15% off Easter in the Park lunch buffet12 Apr 2020
Asian Market Cafe, Fairmont Singapore1-for-1 lunch & dinner buffet30 Apr 2020
21 on Rajah, Days Hotel25% off buffet for 230 Dec 2020
Food Exchange25% off buffet or brunch for 230 Dec 2020
Four Points Eatery1-for-1 buffet30 Dec 2020
Shin Minori Japanese Restaurant1-for-1 Omizu lunch buffet30 Dec 2020
The Carnivore25% off buffet for 230 Dec 2020
Town Restaurant, The Fullerton HotelUp to 20% off weekday lunch & dinner buffet30 Dec 2020
Window on the Park, Holiday Inn Orchard City1-for-1 lunch & dinner buffet28 Feb 2021
Details and eligibility vary and may change. Please check bank website for additional information
Promotions & Details
The Square, Novotel SG Clarke Quay
  • 25% off buffet
  • Valid till: 24 Mar 2020
The Salon, Hotel Fort Canning
  • 15% off Easter in the Park lunch buffet
  • Valid till: 12 Apr 2020
Asian Market Cafe, Fairmont Singapore
  • 1-for-1 lunch & dinner buffet
  • Valid till: 30 Apr 2020
21 on Rajah, Days Hotel
  • 25% off buffet for 2
  • Valid till: 30 Dec 2020
Food Exchange
  • 25% off buffet or brunch for 2
  • Valid till: 30 Dec 202
Four Points Eatery
  • 1-for-1 buffet
  • Valid till: 30 Dec 2020
Shin Minori Japanese Restaurant
  • 1-for-1 Omizu lunch buffet
  • Valid till: 30 Dec 2020
The Carnivore
  • 25% off buffet for 2
  • Valid till: 30 Dec 2020
Town Restaurant, The Fullerton Hotel
  • Up to 20% off weekday lunch & dinner buffet
  • Valid till: 30 Dec 2020
Window on the Park, Holiday Inn Orch. City
  • 1-for-1 lunch & dinner buffet
  • Valid till: 28 Feb 2021
Details and eligibility vary and may change. Please check bank website for additional information

If you're planning on taking advantage of an HSBC buffet promotion, you may need to call ahead and specifically quote "HSBC Dining Privileges" when you make your reservations. During the call, check to make sure your reservation doesn't fall within a blackout date–many restaurants will not offer promotions on holidays and select special occasions. If you've finalized your plans and booked your lunch or dinner, be sure to bring your HSBC credit card and use it to pay the bill.

HSBC Revolution: Miles for Online & Social Spend

  • Up to 2mi/S$1 spend on online insurance & bill-payy
  • Promotions: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
Online shoppers with substantial social spend may want to consider HSBC Revolution Card. Cardholders earn an unlimited 2 miles per S$1 spend on local dining and entertainment, as well as on online shopping (including transit and bill pay). There are also no minimum spend requirements, so consumers can earn immediately regardless of their budget size. The S$160.5 fee is waived with S$12,500 annual spend, making it fairly easy for the average consumer to earn without worrying about added costs.
  • Stand-Out: Up to 2mi/S$1 spend on online insurance & bill-pay
  • Promotions: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
Online shoppers with substantial social spend may want to consider HSBC Revolution Card. Cardholders earn an unlimited 2 miles per S$1 spend on local dining and entertainment, as well as on online shopping (including transit and bill pay). There are also no minimum spend requirements, so consumers can earn immediately regardless of their budget size. The S$160.5 fee is waived with S$12,500 annual spend, making it fairly easy for the average consumer to earn without worrying about added costs.

HSBC Visa Platinum: Cashback for Food & Petrol, Miles for All Else

  • Rebates on local food & petrol, miles for general spend
  • Promotions: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$12,500 annual spend
  • 5% cashback on local dining, groceries & petrol (up to S$250/quarter)
  • 0.4 miles per S$1 general spend, unlimited
  • Up to 21% fuel savings with Caltex, Shell (including 5% card rebate)
HSBC Visa Platinum Card is a great option for people who spend a great deal on local food & petrol and who might be interested in earning hybrid rewards. Cardholders earn 5% cashback on local dining, groceries and petrol after just S$600 monthly spend. Earnings are capped at S$250/quarter, which is equal to about S$83/month. All other purchases earn 0.4 miles per S$1. While this rate is fairly low, there are no minimum spend requirements and miles earnings are uncapped. Finally, cardholders can avoid paying the S$180.0 annual fee with just S$12,500 spend. Overall, HSBC Visa Platinum offers a great way for local spenders to earn both cashback and miles on daily spend.
  • Stand-Out: Rebates on local food & petrol, miles for general spend
  • Promotions: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$12,500 annual spend
  • 5% cashback on local dining, groceries & petrol (up to S$250/quarter)
  • 0.4 miles per S$1 general spend, unlimited
  • Up to 21% fuel savings with Caltex, Shell (including 5% card rebate)
HSBC Visa Platinum Card is a great option for people who spend a great deal on local food & petrol and who might be interested in earning hybrid rewards. Cardholders earn 5% cashback on local dining, groceries and petrol after just S$600 monthly spend. Earnings are capped at S$250/quarter, which is equal to about S$83/month. All other purchases earn 0.4 miles per S$1. While this rate is fairly low, there are no minimum spend requirements and miles earnings are uncapped. Finally, cardholders can avoid paying the S$180.0 annual fee with just S$12,500 spend. Overall, HSBC Visa Platinum offers a great way for local spenders to earn both cashback and miles on daily spend.

Best OCBC Credit Card Buffet Promotions

VenuePromotionValid Until
Cocobolo Poolside Bar + Grill, Park Hotel1-for-1 BBQ buffet31 Mar 2020
The Square Restaurant, Novotel SG25% off lunch & dinner buffet31 Mar 2020
Window on the Park, Holiday Inn SG1-for-1 buffet lunch & dinner31 Mar 2020
The Line, Shangri-La Hotel15% off wkday lunch & dinner buffet30 Apr 2020
Carousel, Royal Plaza on Scotts20% off total food bill31 Dec 2020
Sun's Cafe, Hotel Grand Pacific SG1-for-1 Peranakan lunch & dinner buffet30 Dec 2020
[email protected], Hotel Jen Orchardgateway15% off lunch & dinner buffet31 Jan 2021
Details and eligibility vary and may change. Please check bank website for additional information
Promotions & Details
Cocobolo Poolside Bar + Grill, Park Hotel Clarke Quay
  • 1-for-1 BBQ buffet
  • Valid till: 31 Mar 2020
The Square Restaurant, Novotel SG Clarke Quay
  • 25% off lunch & dinner buffet
  • Valid till: 31 Mar 2020
Window on the Park, Holiday Inn SG Orchard City
  • 1-for-1 buffet lunch & dinner
  • Valid till: 31 Mar 2020
The Line, Shangri-La Hotel
  • 15% off wkday lunch & dinner buffet (10% off wknds)
  • Valid till: 30 Apr 2020
Carousel, Royal Plaza on Scotts
  • 20% off total food bill
  • Valid till: 31 Dec 2020
Sun's Cafe, Hotel Grand Pacific
  • 1-for-1 Peranakan lunch & dinner buffet
  • Valid till: 30 Dec 2020
[email protected], Hotel Jen Orchardgateway
  • 15% off lunch & dinner buffet
  • Valid till: 31 Jan 2021
Details and eligibility vary and may change. Please check bank website for additional information

OCBC Dining & Entertainment Deals are organized into several specific categories: Asian, Bars and Wine, Cafes and Dessert, Chinese, International, Japanese and Korean, Western and European, 1-for-1, Free Dish and Catering. As apparent, cardholders have access to far more than buffet promotions at hotels. From discounts to free dishes, OCBC's deals allow consumers to easily access savings simply by paying with a qualifying credit or debit card. We've reviewed a few of the best OCBC credit cards for dining below.

OCBC 365 Card: No-Fee Everyday Rebates

  • Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Free S$100 Grab Food Voucher (new customers) via our partnership with SGSaver
  • Free S$50 cash w/ S$300 min. spend in 1st mo (existing customers)
  • Boost to 6% cashback on groceries & at convenience stores
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, Visa Signature Privileges
OCBC 365 Card is the best no-fee credit card for daily spend currently available. Cardholders earn a competitive 6% rebate on dining and online food delivery, as well as 3% on groceries, land transport, online travel bookings and recurring bills. Consumers must spend S$800 to unlock these rates, but at about this budget level (S$833/month) cardholders also unlock a full fee waiver. Earnings are capped at S$80/month, allowing consumers to earn up to S$960/year. Overall, OCBC 365 Card is an outstanding everyday card for average consumers who don't want to pay an annual fee.
  • Stand-Out: Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Free S$100 Grab Food Voucher (new customers) via our partnership with SGSaver
  • Free S$50 cash w/ S$300 min. spend in 1st mo (existing customers)
  • Boost to 6% cashback on groceries & at convenience stores
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, Visa Signature Privileges
OCBC 365 Card is the best no-fee credit card for daily spend currently available. Cardholders earn a competitive 6% rebate on dining and online food delivery, as well as 3% on groceries, land transport, online travel bookings and recurring bills. Consumers must spend S$800 to unlock these rates, but at about this budget level (S$833/month) cardholders also unlock a full fee waiver. Earnings are capped at S$80/month, allowing consumers to earn up to S$960/year. Overall, OCBC 365 Card is an outstanding everyday card for average consumers who don't want to pay an annual fee.

OCBC Voyage: Boosted Miles for Local Dining

OCBC Voyage Card
OCBC Voyage Card
  • Boosted miles rewards for local dining spend
  • Promotions: Receive 15,000 annual bonus miles
  • Read Our Full Review
  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.3 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
If you spend a varying amount of time at home and abroad, you may be able to benefit from OCBC Voyage Card. Cardholders earn a fairly standard 1.2 miles per S$1 locally, but this is boosted to a more impressive 1.6 miles per S$1 on local dining. OCBC Voyage's overseas rate is also quite competitive at 2.3 miles per S$1. As a result, cardholders who frequently travel but may find themselves at home for extended periods are most likely to benefit from this card.


OCBC Voyage Card stands out for more than its rates, however; it also offers quite luxurious travel perks. Cardholders enjoy unlimited lounge access, free limo transfers and 30% off green fees across Asia. In addition, its Voyage Exchange programme offers priority access to local and international events and assistance in securing reservations at exclusive reservations. While the annual fee is quite high at S$488, this cost may be validated by the card's privileges and boosted local rate.

OCBC Voyage Card
OCBC Voyage Card
  • Stand-Out: Boosted miles rewards for local dining spend
  • Promotions: Receive 15,000 annual bonus miles
  • Read Our Full Review
  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.3 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
If you spend a varying amount of time at home and abroad, you may be able to benefit from OCBC Voyage Card. Cardholders earn a fairly standard 1.2 miles per S$1 locally, but this is boosted to a more impressive 1.6 miles per S$1 on local dining. OCBC Voyage's overseas rate is also quite competitive at 2.3 miles per S$1. As a result, cardholders who frequently travel but may find themselves at home for extended periods are most likely to benefit from this card.


OCBC Voyage Card stands out for more than its rates, however; it also offers quite luxurious travel perks. Cardholders enjoy unlimited lounge access, free limo transfers and 30% off green fees across Asia. In addition, its Voyage Exchange programme offers priority access to local and international events and assistance in securing reservations at exclusive reservations. While the annual fee is quite high at S$488, this cost may be validated by the card's privileges and boosted local rate.

Best Maybank Credit Card Buffet Promotions

VenuePromotionValid Until
Asian Market Cafe, Fairmont SG3rd adult dines free, lunch & dinner buffet30 Dec 2020
CLOVE, Swissôtel The Stamford3rd adult dines free, lunch & dinner buffet30 Dec 2020
21 on Rajah, Days Hotel10% off total food bill31 Dec 2020
Atrium, Holiday Inn SG1-for-1 lunch & dinner buffet31 Dec 2020
Carousel, Royal Plaza on Scotts20% off total food bill31 Dec 2020
Edge, Pan Pacific SG10% off total bill31 Dec 2020
Ginger, PARKROYAL on Beach Road15% off total food bill31 Dec 2020
Marriott Cafe, SG Marriott Tang Plaza15% off total food bill31 Dec 2020
Song of India1-for-1 lunch buffet31 Dec 2020
Spices Cafe15% off total food bill (buffet), 4th adult dines free31 Dec 2020
Details and eligibility vary and may change. Please check bank website for additional information
Promotions & Details
Asian Market Cafe, Fairmont SG
  • 3rd adult dines free, lunch & dinner buffet
  • Valid till: 30 Dec 2020
CLOVE, Swissôtel The Stamford
  • 3rd adult dines free, lunch & dinner buffet
  • Valid till: 30 Dec 2020
21 on Rajah, Days Hotel
  • 10% off total food bill
  • Valid till: 31 Dec 2020
Atrium, Holiday Inn SG
  • 1-for-1 lunch & dinner buffet
  • Valid till: 31 Dec 2020
Carousel, Royal Plaza on Scotts
  • 20% off total food bill
  • Valid till: 31 Dec 2020
Edge, Pan Pacific SG
  • 10% off total bill
  • Valid till: 31 Dec 2020
Ginger, PARKROYAL on Beach Road
  • 15% off total food bill
  • Valid till: 31 Dec 2020
Marriott Cafe, SG Marriott Tang Plaza
  • 15% off total food bill
  • Valid till: 31 Dec 2020
Song of India
  • 1-for-1 lunch buffet
  • Valid till: 31 Dec 2020
Spices Cafe
  • 15% off total food bill (buffet), 4th adult dines free
  • Valid till: 31 Dec 2020
Details and eligibility vary and may change. Please check bank website for additional information

Maybank's dining perks extend from buffets to Michelin-listed restaurants, members of the Paradise Group, and far beyond. Consumers can access these promotions by paying with their Maybank credit card. Cardholders should check into the details of a given offer, however, as there are occasionally limitations on eligible days, meals, and total party size. Here are a few great Maybank cards to consider.

Maybank Family & Friends MasterCard: Top Rebates in SG & MY

  • Best for rebates in SG & MY w/ S$500 min. spend
  • Promotions: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on fast food & food delivery, groceries, transport, petrol & online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
Maybank Family & Friends Card offers both lower and average spenders highly competitive rates across nearly all key spend categories. Cardholders earn 5% rebate in both Singapore & Malaysia on fast food & food delivery, groceries, petrol, transport and online TV streaming/data communications with just S$500 minimum spend. This rate is boosted to 8% across the board with S$800 minimum spend. Those who spend just a bit more–S$1,000/month–are exempt from the S$180.0 annual fee (waived with S$12k spend) and can simultaneously max out the S$80/month cashback cap. Maybank F&F Card, then, is an excellent card for people with a roughly S$500–S$1k local monthly budget.
  • Stand-Out: Best for rebates in SG & MY w/ S$500 min. spend
  • Promotions: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on fast food & food delivery, groceries, transport, petrol & online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
Maybank Family & Friends Card offers both lower and average spenders highly competitive rates across nearly all key spend categories. Cardholders earn 5% rebate in both Singapore & Malaysia on fast food & food delivery, groceries, petrol, transport and online TV streaming/data communications with just S$500 minimum spend. This rate is boosted to 8% across the board with S$800 minimum spend. Those who spend just a bit more–S$1,000/month–are exempt from the S$180.0 annual fee (waived with S$12k spend) and can simultaneously max out the S$80/month cashback cap. Maybank F&F Card, then, is an excellent card for people with a roughly S$500–S$1k local monthly budget.

Maybank Horizon Visa Signature: Top Miles on Local Essentials

  • Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance
If you're a local spender that still wants to maximise miles earnings, consider Maybank Horizon Visa Signature Card. Cardholders earn a market-leading 3.2 miles per S$1 spend on local dining, transport (taxis & Grab), petrol and hotel bookings with Agoda. These rates are much higher than the 1.2 miles per S$1 offered by most other travel cards. Even more, MB Horizon's overseas rates are also quite competitive, at 2 miles per S$1 on travel packages, air tickets and foreign currency spend. This balance makes it a great card for people with primarily local budgets and occasionally go on vacations.


Beyond its rates, MB Horizon also stands out by offering an easy fee-waiver. Cardholders are exempt from paying the S$180.0 fee for 3 years and subsequently, with S$18,000 annual spend. That's equal to about S$1,500/month, which is reasonable for the average consumer. As a result, local spenders who want to rapidly accrue miles without paying a fee should definitely consider MB Horizon Card.

  • Stand-Out: Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance
If you're a local spender that still wants to maximise miles earnings, consider Maybank Horizon Visa Signature Card. Cardholders earn a market-leading 3.2 miles per S$1 spend on local dining, transport (taxis & Grab), petrol and hotel bookings with Agoda. These rates are much higher than the 1.2 miles per S$1 offered by most other travel cards. Even more, MB Horizon's overseas rates are also quite competitive, at 2 miles per S$1 on travel packages, air tickets and foreign currency spend. This balance makes it a great card for people with primarily local budgets and occasionally go on vacations.


Beyond its rates, MB Horizon also stands out by offering an easy fee-waiver. Cardholders are exempt from paying the S$180.0 fee for 3 years and subsequently, with S$18,000 annual spend. That's equal to about S$1,500/month, which is reasonable for the average consumer. As a result, local spenders who want to rapidly accrue miles without paying a fee should definitely consider MB Horizon Card.

Best Standard Chartered Credit Card Buffet Promotions

VenuePromotionValid Until
The Courtyard, The Fullerton Hotel15% off select buffets30 Dec 2020
Town Restaurant, The Fullerton Hotel20% off weekday lunch & dinner buffet30 Dec 2020
Details and eligibility vary and may change. Please check bank website for additional information
Promotions & Details
The Courtyard, The Fullerton Hotel
  • 15% off select buffets
  • Valid till: 30 Dec 2020
Town Restaurant, The Fullerton Hotel
  • 20% off weekday lunch & dinner buffet
  • Valid till: 30 Dec 2020
Details and eligibility vary and may change. Please check bank website for additional information

Standard Chartered offers a variety of dining discounts through its The Good Life programme. These perks include everything from return vouchers on fast food purchases to extra savings at high-end restaurants. Standard Chartered has a special partnership with The Fullerton Hotel, however, that allows cardholders to enjoy top-of-the-line discounts at The Courtyard and Town Restaurant. If you're interested in unlocking these deals, consider the credit cards below.

Standard Chartered Rewards+ : Miles for Small Dining Budgets

  • Up to 2.9mi/S$1 overseas, 1.45mi on dining
  • Promotions: Receive Jabra Elite Active 75T Wireless Earbuds + S$20 cashback w/ MyInfo application (via partnership w/ SGSaver)
  • S$50 Grab vouchers for existing customers
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 10 pts (2.9 mi) per S$1 overseas, 5 pts (1.45 mi) on dining
  • 1 pt (0.29 mi) per S$1 general spend
  • Free travel insurance & Fullerton Hotel dining privileges
  • Up to 19.8% fuel savings with Caltex
Standard Chartered Rewards+ Card pairs well with specialised shopper cards as it offers a boosted dining rate, rather than the typical 0.3% base rate. Cardholders earn 2.9 miles per S$1 overseas and 1.45 miles for dining (equal to about 2.9% and 1.45% rebate, respectively). Earnings are capped at just 8,000 miles/year, however, which is very low (about S$80 in value-to-consumer). Still, SC Rewards+ Card may be a match if you have a dining budget of S$250-S$350/month and your current card only rewards dining at its base rate.
  • Stand-Out: Up to 2.9mi/S$1 overseas, 1.45mi on dining
  • Promotions: Receive Jabra Elite Active 75T Wireless Earbuds + S$20 cashback w/ MyInfo application (via partnership w/ SGSaver)
  • S$50 Grab vouchers for existing customers
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 10 pts (2.9 mi) per S$1 overseas, 5 pts (1.45 mi) on dining
  • 1 pt (0.29 mi) per S$1 general spend
  • Free travel insurance & Fullerton Hotel dining privileges
  • Up to 19.8% fuel savings with Caltex
Standard Chartered Rewards+ Card pairs well with specialised shopper cards as it offers a boosted dining rate, rather than the typical 0.3% base rate. Cardholders earn 2.9 miles per S$1 overseas and 1.45 miles for dining (equal to about 2.9% and 1.45% rebate, respectively). Earnings are capped at just 8,000 miles/year, however, which is very low (about S$80 in value-to-consumer). Still, SC Rewards+ Card may be a match if you have a dining budget of S$250-S$350/month and your current card only rewards dining at its base rate.

Standard Chartered Unlimited Cashback Card: Flat, Uncapped Rebates

  • 1.5% unlimited cashback w/ no min. spend requirement
  • Promotions: Receive Jabra Elite Active 75T Wireless Earbuds + S$20 cashback w/ MyInfo application (via partnership w/ SGSaver)
  • S$50 Grab vouchers for existing customers
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • Up to 21% fuel savings with Caltex
Standard Chartered Unlimited Cashback Card offers high-earners the opportunity to reach their full rewards potential, without having to track merchants or spend categories. Cardholders earn an unlimited 1.5% cashback locally and overseas, with no minimum spend requirement. Because there are no caps, consumers can continue earning beyond the typical S$60-80/month rewards limit imposed by most rebate cards. Consumers must spend about S$7k+/month to take full advantage of these feature, however, so average spenders might prefer a capped rewards card. However, affluent individuals with very high budgets can ultimately earn more with SC Unlimited Cashback Card.
  • Stand-Out: 1.5% unlimited cashback w/ no min. spend requirement
  • Promotions: Receive Jabra Elite Active 75T Wireless Earbuds + S$20 cashback w/ MyInfo application (via partnership w/ SGSaver)
  • S$50 Grab vouchers for existing customers
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • Up to 21% fuel savings with Caltex
Standard Chartered Unlimited Cashback Card offers high-earners the opportunity to reach their full rewards potential, without having to track merchants or spend categories. Cardholders earn an unlimited 1.5% cashback locally and overseas, with no minimum spend requirement. Because there are no caps, consumers can continue earning beyond the typical S$60-80/month rewards limit imposed by most rebate cards. Consumers must spend about S$7k+/month to take full advantage of these feature, however, so average spenders might prefer a capped rewards card. However, affluent individuals with very high budgets can ultimately earn more with SC Unlimited Cashback Card.

Best CIMB Credit Card Buffet Promotions

VenuePromotionValid Until
Carousel, Royal Plaza on Scotts20% off total food bill31 Dec 2020
Edge, Pan Pacific SG10% off total bill for lunch & dinner31 Dec 2020
[email protected], Grand Mercure SG Roxy20% off total food bill31 Dec 2020
Marriott Cafe, SG Marriott Tang Plaza15% off buffets31 Dec 2020
Details and eligibility vary and may change. Please check bank website for additional information
Promotions & Details
Carousel, Royal Plaza on Scotts
  • 20% off total food bill
  • Valid till: 31 Dec 2020
Edge, Pan Pacific SG
  • 10% off total bill for lunch & dinner
  • Valid till: 31 Dec 2020
[email protected], Grand Mercure SG Roxy
  • 20% off total food bill
  • Valid till: 31 Dec 2020
Marriott Cafe, SG Marriott Tang Plaza
  • 15% off buffets
  • Valid till: 31 Dec 2020
Details and eligibility vary and may change. Please check bank website for additional information

With CIMB Deals, cardholders can enjoy discounts at a variety of restaurants, including at high-end hotel buffets. However, consumers should note that the promotions offered cannot be stacked with other discounts, promotions, privileges, coupons or vouchers. This does not mean that consumers won't earn cashback for their purchase, however. If you want to maximise rewards for dining while also enjoying these discounts, consider the cards below.

CIMB Platinum MasterCard: Cashback on Dining, Transport & More

  • Up to 10% cashback on transport, dining, medical & more
  • Promotions: Receive S$50 cash credit w/ S$200 monthly spend for 1st 2mo
  • Read Our Full Review
  • Annual fee: Free
  • 10% cashback on medical, transport, dining & overseas travel
  • 10% cashback on select electronics/furnishings vendors
  • CIMB 0% Interest i.Pay Instalment Plan
CIMB Platinum MasterCard offers cardholders up to 10% cashback on dining, transport, petrol, medical & overseas travel spend, after reaching a S$800 minimum spend requirement. This rate is one of the highest on the market. However, categories are individually capped at S$20, which can be maxed out with just S$200 spend. Consumers with diversified, evenly distributed budgets can then max out S$100/month rewards with S$1,000 spend. People with larger or more focused budgets, however, may be better off with an alternative card. Nonetheless, CIMB Platinum MasterCard is completely free, so cardholders never have to worry about recouping card expenses.
  • Stand-Out: Up to 10% cashback on transport, dining, medical & more
  • Promotions: Receive S$50 cash credit w/ S$200 monthly spend for 1st 2mo
  • Read Our Full Review
  • Annual fee: Free
  • 10% cashback on medical, transport, dining & overseas travel
  • 10% cashback on select electronics/furnishings vendors
  • CIMB 0% Interest i.Pay Instalment Plan
CIMB Platinum MasterCard offers cardholders up to 10% cashback on dining, transport, petrol, medical & overseas travel spend, after reaching a S$800 minimum spend requirement. This rate is one of the highest on the market. However, categories are individually capped at S$20, which can be maxed out with just S$200 spend. Consumers with diversified, evenly distributed budgets can then max out S$100/month rewards with S$1,000 spend. People with larger or more focused budgets, however, may be better off with an alternative card. Nonetheless, CIMB Platinum MasterCard is completely free, so cardholders never have to worry about recouping card expenses.

CIMB World MasterCard: Rebates for Affluent Socialites

  • Unlimited 1.5% rebate, boosted for leisure spend
  • Promotions: Receive S$50 cash credit w/ S$200 monthly spend for 1st 2mo
  • Read Our Full Review
  • Annual fee: Free
  • Unlimited 2% cashback on wine & dine, entertainment, recreation, automobile & parking, petrol, and duty-free stores spend (locally & overseas)
  • Unlimited 1.5% cashback on all other spend
  • 50% off green fees at select fairways in Asia
  • Free travel insurance, access to MasterCard Airport Experiences
  • CIMB 0% Interest i.Pay Instalment Plan
Affluent social spenders can earn unlimited cashback at top rates with CIMB World MasterCard. Cardholders earn 1.5% cashback on general spend, boosted to 2% (with no minimum requirement) on wine & dine, entertainment, automobile & parking, petrol, recreation and spend at duty-free stores. These rates are higher than those offered by nearly any other unlimited cashback card. Additional perks include free travel insurance and 50% off green fees at fairways across Asia. Because CIMB World MasterCard is completely free, cardholders can maximise rewards for leisure spend without worrying about added expense.
  • Stand-Out: Unlimited 1.5% rebate, boosted for leisure spend
  • Promotions: Receive S$50 cash credit w/ S$200 monthly spend for 1st 2mo
  • Read Our Full Review
  • Annual fee: Free
  • Unlimited 2% cashback on wine & dine, entertainment, recreation, automobile & parking, petrol, and duty-free stores spend (locally & overseas)
  • Unlimited 1.5% cashback on all other spend
  • 50% off green fees at select fairways in Asia
  • Free travel insurance, access to MasterCard Airport Experiences
  • CIMB 0% Interest i.Pay Instalment Plan
Affluent social spenders can earn unlimited cashback at top rates with CIMB World MasterCard. Cardholders earn 1.5% cashback on general spend, boosted to 2% (with no minimum requirement) on wine & dine, entertainment, automobile & parking, petrol, recreation and spend at duty-free stores. These rates are higher than those offered by nearly any other unlimited cashback card. Additional perks include free travel insurance and 50% off green fees at fairways across Asia. Because CIMB World MasterCard is completely free, cardholders can maximise rewards for leisure spend without worrying about added expense.

Best American Express Credit Card Buffet Promotions

Venues w/ Eligible BuffetsLove Dining Discount
  • Asian Market Cafe, Fairmont Singapore
  • Marriott Cafe, SG Marriott Tang Plaza
  • Ellenborough Market Cafe, Swissôtel Merchant Ct
  • CLOVE, Swissôtel The Stamford
  • The Kitchen Table, W Singapore Sentosa
  • 1 Diner: Up to 15% off bill
  • 2 Diners: 50% off bill
  • 3 Diners: Up to 35% off bill
  • 4 Diners: 25% off bill
  • 5-10 Diners: 20% off bill
Details and eligibility vary, including by venue in some cases, and may change. Please check bank website for additional information
Amex Love Dining Programme
Venues w/ Eligible Buffets
  • Asian Market Cafe, Fairmont Singapore
  • Marriott Cafe, SG Marriott Tang Plaza
  • Ellenborough Market Cafe, Swissôtel Merchant Ct
  • CLOVE, Swissôtel The Stamford
  • The Kitchen Table, W Singapore Sentosa
Love Dining Discount
  • 1 Diner: Up to 15% off bill
  • 2 Diners: 50% off bill
  • 3 Diners: Up to 35% off bill
  • 4 Diners: 25% off bill
  • 5-10 Diners: 20% off bill
Details and eligibility vary, including by venue in some cases, and may change. Please check bank website for additional information

American Express's Love Dining programme is only accessible to certain cardholders, such as those with Amex Centurion Card, Amex Platinum Card, and Amex Reserve Credit Card. These cards tend to be pricey, but come with a variety of luxury perks. Through Love Dining, consumers can enjoy up to 50% off their total food bill at some of Singapore's most exclusive restaurants.

American Express Platinum Credit Card: Elite Local Dining Privileges

  • Exclusive local lifestyle & dining perks
  • Promotions: Receive 13,750 miles (25k pts) w/ S$6k spend in 1st 3 mo
  • Receive 13,750 miles (25k pts) w/ another S$6k spend in following 3 mo
  • Read Our Full Review
  • Annual fee: S$321
  • 0.69 miles (1.25 pts) per S$1 spend
  • Up to 3.44 miles (6.25 pts) per S$1 spend w/ Platinum EXTRA Partners
  • No conversion fees
  • Dining Perks: Love Dining, Amex Selects & Chillax programme
  • Lifestyle Perks: Platinum Wellness spa privileges & complimentary green fees
Affluent Amex loyalists who prioritise luxury dining & lifestyle perks might be interested in American Express Platinum Credit Card. Cardholders earn at an admittedly low rate–0.69 miles (1.25 pts) per S$1 general spend–but this rate is elevated to up to 3.44 miles (6.25 pts) per S$1 spend with select boutiques and luxury merchants (IWC, The Hour Glass & more).


Amex Platinum Credit Card's most impressive features, however, are its exclusive dining and lifestyle perks. Cardholders enjoy a myriad of special restaurant offers and privileges through Love Dining, American Express Selects, and the Amex Chillax programme. In addition, the consumers can access discounts on spa services through Platinum Wellness and complimentary green fees through Platinum Golf. There is a S$321 annual fee, but this cost is fairly tame compared to the most expensive luxury cards. However, because there are no real travel benefits, Amex Platinum Credit Card is best fit for those who prioritise top-of-the-line perks that can be enjoyed in local, day-to-day life.

  • Stand-Out: Exclusive local lifestyle & dining perks
  • Promotions: Receive 13,750 miles (25k pts) w/ S$6k spend in 1st 3 mo
  • Receive 13,750 miles (25k pts) w/ another S$6k spend in following 3 mo
  • Read Our Full Review
  • Annual fee: S$321
  • 0.69 miles (1.25 pts) per S$1 spend
  • Up to 3.44 miles (6.25 pts) per S$1 spend w/ Platinum EXTRA Partners
  • No conversion fees
  • Dining Perks: Love Dining, Amex Selects & Chillax programme
  • Lifestyle Perks: Platinum Wellness spa privileges & complimentary green fees
Affluent Amex loyalists who prioritise luxury dining & lifestyle perks might be interested in American Express Platinum Credit Card. Cardholders earn at an admittedly low rate–0.69 miles (1.25 pts) per S$1 general spend–but this rate is elevated to up to 3.44 miles (6.25 pts) per S$1 spend with select boutiques and luxury merchants (IWC, The Hour Glass & more).


Amex Platinum Credit Card's most impressive features, however, are its exclusive dining and lifestyle perks. Cardholders enjoy a myriad of special restaurant offers and privileges through Love Dining, American Express Selects, and the Amex Chillax programme. In addition, the consumers can access discounts on spa services through Platinum Wellness and complimentary green fees through Platinum Golf. There is a S$321 annual fee, but this cost is fairly tame compared to the most expensive luxury cards. However, because there are no real travel benefits, Amex Platinum Credit Card is best fit for those who prioritise top-of-the-line perks that can be enjoyed in local, day-to-day life.

Learn More About How to Find the Best Credit Card for You

Carrie Arndt

Carrie is a Senior Analyst at ValueChampion, specialising in credit cards in Singapore. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research.

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