Best Credit Card 1 for 1 Buffet Promotions 2021

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. Our research experts 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: Rebates on essentials with easy fee-waiver
Best Citibank Credit Cards with Buffet Promotions
  • Citi Cash Back: Up to 8% rebate on groceries & petrol, 6% on dining
  • Citi SMRT: Everyday rebates + no minimum spend requirement
  • Citi Lazada: Up to 4 miles per S$1 spend on Lazada
Best DBS & POSB Credit Card with Buffet Promotions
Best HSBC Credit Cards with Buffet Promotions
Best OCBC Credit Cards with Buffet Promotions
  • OCBC 365: 6% rebate on dining, 3% rebate on utilities and travel, Visa Concierge Services
  • 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
  • CIMB Platinum MC: 10% rebate on wine and dine, transport, petrol, health and travel, capped at S$100/month
  • CIMB World MC: Unlimited 2% cashback on wine and dine, entertainment and 50% off green fees
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 Credit Card 1-for-1 Buffet Promotions

VenuePromotionValid Until
Porta1-for-1 3 Course Menu30 June 2021
The White Rabbit1-for-1 Hendrick's Gin & Tonics31 July 2021
Extra Virgin Pizza (Asia Square)1-for-1 pizzas31 July 2021
Clan Cafe1-for-1 mains31 July 2021
Details and eligibility vary and may change. Please check bank website for additional information
Promotions & Details
Porta
  • 1-for-1 3 Course Menu
  • Valid till: 30 June 2021
The White Rabbit
  • 1-for-1 Hendrick's Gin & Tonics
  • Valid till: 31 July 2021
Extra Virgin Pizza (Asia Square)
  • 1-for-1 pizzas
  • Valid till: 31 July 2021
Clan Cafe
  • 1-for-1 mains
  • Valid till: 31 July 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 with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until May 31, 2021)
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend) with min 5 transactions/mo
  • Up to 10% on Grab, Shopee, Dairy Farm Singapore & 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)
  • 0.03% rebate on all spend if no rebate earned for calendar year
  • Up to 20.80% savings at Shell and 24% at SPC
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 with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until May 31, 2021)
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend) with min 5 transactions/mo
  • Up to 10% on Grab, Shopee, Dairy Farm Singapore & 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)
  • 0.03% rebate on all spend if no rebate earned for calendar year
  • Up to 20.80% savings at Shell and 24% at SPC
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: Receive S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until May 31, 2021)
  • 5% savings on rentalcars.com (until June 30, 2021) + use code Flyer60 to get 60% travel insurance (single trip plan) + Up to 9% off all hotel bookings on Agoda (until Dec 31, 2021)
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived
  • 3.0 KF miles/S$1 on spend with SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3.0 KF miles/S$1 on dining & food delivery, online shopping & travel and transport–with min. S$500 annual spend on SIA brands
  • 1.2 KrisFlyer miles/S$1 on general spend, locally & overseas
  • 10,000 annual bonus renewal miles
  • 3,000 welcome miles after first transaction (min S$5)
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 minimum 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: Receive S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until May 31, 2021)
  • 5% savings on rentalcars.com (until June 30, 2021) + use code Flyer60 to get 60% travel insurance (single trip plan) + Up to 9% off all hotel bookings on Agoda (until Dec 31, 2021)
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived
  • 3.0 KF miles/S$1 on spend with SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3.0 KF miles/S$1 on dining & food delivery, online shopping & travel and transport–with min. S$500 annual spend on SIA brands
  • 1.2 KrisFlyer miles/S$1 on general spend, locally & overseas
  • 10,000 annual bonus renewal miles
  • 3,000 welcome miles after first transaction (min S$5)
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 minimum 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

  • Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Receive S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until May 31, 2021)
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 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: Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Receive S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until May 31, 2021)
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 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, Marriott Tang Plaza Hotel20% off total food bill30 Apr 2021
Lobby Lounge, Marriott Tang Plaza Hotel20% off total food bill30 Apr 2021
4 Hands Kitchen20% off total food bill30 June 2021
Lawry's The Prime Rib40% off a la carte menu20 Dec 2021
LeNuS$10 return voucher31 Dec 2021
Crystal Jade La Mian Xiao Long Bao12% cashback31 Dec 2021
Spice Brasserie, Parkroyal on Kitchener Road15% off a la carte menu31 Dec 2021
Si Chuan Dou Hua Restaurant15% off a la carte menu31 Dec 2021
Edge, Pan Pacific Singapore15% off (excluding Sunday brunch)31 Dec 2021
Gordon Grill, Goodwood Park Hotel15% off a la carte food bill30 Dec 2021
Details and eligibility vary and may change. Please check bank website for additional information
Promotions & Details
Marriott Cafe, Marriott Tang Plaza Hotel
  • 20% off total food bill
  • Valid till: 30 Apr 2021
Lobby Lounge, Marriott Tang Plaza Hotel
  • 20% off total food bill
  • Valid till: 30 Apr 2021
4 Hands Kitchen
  • 20% off total food bill
  • Valid till: 30 June 2021
Lawry's The Prime Rib
  • 40% off a la carte menu
  • Valid till: 20 Dec 2021
LeNu
  • S$10 return voucher
  • Valid till: 31 Dec 2021
Crystal Jade La Mian Xiao Long Bao
  • 12% cashback
  • Valid till: 31 Dec 2021
Spice Brasserie, Parkroyal on Kitchener Road
  • 15% off a la carte menu
  • Valid till: 31 Dec 2021
Si Chuan Dou Hua Restaurant
  • 15% off a la carte menu
  • Valid till: 30 Dec 2020
Edge, Pan Pacific Singapore
  • 15% off (excluding Sunday brunch)
  • Valid till: 31 Dec 2021
Gordon Grill, Goodwood Park Hotel
  • 15% off a la carte food bill
  • Valid till: 30 Dec 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 groceries & petrol, 6% on dining
  • Promotions: New Citibank cardmembers get Dyson Cool™ AM07 Tower Fan (worth S$499) or S$350 cash with S$200 min spend within 30 days of card approval (until May 9, 2021)
  • Existing cardholders will receive $30 cash via PayNow
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 8% cashback on grocery
  • 6% cashback on dining
  • Up to 20.88% fuel savings at Esso & Shell and 8% cashback at other petrol stations
  • 0.25% cashback on all other purchases
  • Cashback capped at S$80/month
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 groceries & petrol, 6% on dining
  • Promotions: New Citibank cardmembers get Dyson Cool™ AM07 Tower Fan (worth S$499) or S$350 cash with S$200 min spend within 30 days of card approval (until May 9, 2021)
  • Existing cardholders will receive $30 cash via PayNow
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 8% cashback on grocery
  • 6% cashback on dining
  • Up to 20.88% fuel savings at Esso & Shell and 8% cashback at other petrol stations
  • 0.25% cashback on all other purchases
  • Cashback capped at S$80/month
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 EZ-Reload transactions
  • Promotions: Get S$6 off with S$79 min spend at Shopee (until June 30,2021) and S$5 off S$60 min spend at Lazada (until Apr.27,2021)
  • Receive S$5 Qmoney Cashback* with S$50 min spend at Qoo10 (until May 25,2021)
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 5% cashback on groceries (7.3% for FairPrice Xtra Kallang Wave)
  • 5% on fast food, movies & coffee
  • 3% online shopping, 2% on health & wellness
  • Up to 14% fuel savings at Esso and Shell
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • SimplyGo/ABT compatible
  • S$600 cap on SMRT$ rebate annually
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 5% 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 EZ-Reload transactions
  • Promotions: Get S$6 off with S$79 min spend at Shopee (until June 30,2021) and S$5 off S$60 min spend at Lazada (until Apr.27,2021)
  • Receive S$5 Qmoney Cashback* with S$50 min spend at Qoo10 (until May 25,2021)
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 5% cashback on groceries (7.3% for FairPrice Xtra Kallang Wave)
  • 5% on fast food, movies & coffee
  • 3% online shopping, 2% on health & wellness
  • Up to 14% fuel savings at Esso and Shell
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • SimplyGo/ABT compatible
  • S$600 cap on SMRT$ rebate annually
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 5% 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: Sign up and receive a welcome gift of S$150 Lazada & S$100 RedMart Vouchers with S$250 min spend (until May 26,2021)
  • Get S$8 off on a minimum spend of S$20 for first time user of Lazada mobile app (until June 30,2021)
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived)
  • 4 mi (10pts) per S$1 spend on Lazada
  • 2 mi (5pts) on dining, travel, nightlife, entertainment (including Netflix and Spotify) and commute
  • 0.4 mi (1 pt) on all other spend
  • Shipping rebates on Lazada
  • Complimentary travel insurance
  • No min spend required
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: Sign up and receive a welcome gift of S$150 Lazada & S$100 RedMart Vouchers with S$250 min spend (until May 26,2021)
  • Get S$8 off on a minimum spend of S$20 for first time user of Lazada mobile app (until June 30,2021)
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived)
  • 4 mi (10pts) per S$1 spend on Lazada
  • 2 mi (5pts) on dining, travel, nightlife, entertainment (including Netflix and Spotify) and commute
  • 0.4 mi (1 pt) on all other spend
  • Shipping rebates on Lazada
  • Complimentary travel insurance
  • No min spend required
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
Delibowl Dumpling1-for-1 Soya Beancurd31 Mar 2021
Delibowl Ricebowl1-for-1 Beef Pancakes31 Mar 2021
Enjoy Eating House and Bar1-for-1 Heavenly Signatures31 Mar 2021
Nuodle1-for-1 side dish31 Mar 2021
Le Fusion1-for-1 main course14 Apr 2021
Overrice1-for-1 selected dishes + 10% off total bill with min spend of S$2030 Apr 2021
Cocobolo Poolside Bar & Grill, Park Hotel Clarke Quay1-for-1 BBQ Buffet30 June 2021
Zaffron Kitchen - Indelibly Indian Inside1-for-1 selected dishes30 Sept 2021
Peach Garden1-for-1 on all a la carte Lobster Dishes31 Dec 2021
Details and eligibility vary and may change. Please check bank website for additional information
Promotions & Details
Delibowl Dumpling
  • 1-for-1 Soya Beancurd
  • Valid till: 31 Mar 2021
Delibowl Ricebowl
  • 1-for-1 Beef Pancakes
  • Valid till: 31 Mar 2021
Enjoy Eating House and Bar
  • 1-for-1 Heavenly Signatures
  • Valid till: 31 Mar 2021
Nuodle
  • 1-for-1 side dish
  • Valid till: 31 Mar 2021
Le Fusion
  • 1-for-1 main course
  • Valid till: 14 Apr 2021
Overrice
  • 1-for-1 selected dishes + 10% off total bill with min spend of S$20
  • Valid till: 30 Apr 2021
Cocobolo Poolside Bar & Grill, Park Hotel Clarke Quay
  • 1-for-1 BBQ Buffet
  • Valid till: 30 June 2021
Zaffron Kitchen - Indelibly Indian Inside
  • 1-for-1 selected dishes
  • Valid till: 30 Sept 2021
Peach Garden
  • 1-for-1 on all a la carte Lobster Dishes
  • Valid till: 31 Dec 2021
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

  • Best for rebates in SG w/ S$800 min. spend
  • Promotions: Use code 150CASH to get S$150 cashback when you apply and charge min S$800 within 60 days of card approval (until June 30, 2021)
  • Receive 1 S.E.A. Aquarium Child One Day ticket for free when you purchase 2 S.E.A. Aquarium Adult One Day tickets (until July 31,2021)
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived)
  • 10% rebate on online food delivery (foodpanda and Deliveroo) and 3% on other dining spend
  • 5% rebate on groceries (Sheng Siong)
  • 5% rebate on online shopping (Amazon, Lazada and Qoo10)
  • 3% rebate on personal care at Watsons, 2% rebate on transport and fuel (up to 14% fuel savings at Esso and 22.1% SPC)
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • 0.3% cash rebate on all other spend
POSB Everyday Card offers extremely competitive promotional rates across a variety of key spending categories. In fact, cardholders can often earn as much as 8% 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: Best for rebates in SG w/ S$800 min. spend
  • Promotions: Use code 150CASH to get S$150 cashback when you apply and charge min S$800 within 60 days of card approval (until June 30, 2021)
  • Receive 1 S.E.A. Aquarium Child One Day ticket for free when you purchase 2 S.E.A. Aquarium Adult One Day tickets (until July 31,2021)
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived)
  • 10% rebate on online food delivery (foodpanda and Deliveroo) and 3% on other dining spend
  • 5% rebate on groceries (Sheng Siong)
  • 5% rebate on online shopping (Amazon, Lazada and Qoo10)
  • 3% rebate on personal care at Watsons, 2% rebate on transport and fuel (up to 14% fuel savings at Esso and 22.1% SPC)
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • 0.3% cash rebate on all other spend
POSB Everyday Card offers extremely competitive promotional rates across a variety of key spending categories. In fact, cardholders can often earn as much as 8% 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
ABD @ Southbridge1-for-1 Main Course30 Dec 2021
AC Kafe1-for-1 Main Course30 Dec 2021
The Marmalade Pantry1-for-1 Main Course30 Dec 2021
Fat Cow25% Off Total Bill30 Dec 2021
Aglio Olio1-for-1 Main Course30 Dec 2021
AJ's Bar & Beach Dining1-for-1 Main Course/Bucket of Beer/House Beverage30 Dec 2021
Armano1-for-1 Main Course30 Dec 2021
Aris Studio 231-for-1 Main Course30 Dec 2021
Bar on Chulia1-for-1 Main Course/Bottle of House Wine House Beverage30 Dec 2021
Bedrock Bar & Grill25% Off Total Bill30 Dec 2021
Biseryu Japanese Cuisine1-for-1 Main Course30 Dec 2021
Bistro XY1-for-1 Main Course30 Dec 2021
Dark Horse Japanese Tapas Bar1-for-1 Main Course30 Dec 2021
Lè Fusion1-for-1 Main Course30 Dec 2021
Details and eligibility vary and may change. Please check bank website for additional information
Promotions & Details
ABD @ Southbridge
  • 1-for-1 Main Course
  • Valid till: 30 Dec 2021
AC Kafe
  • 1-for-1 Main Course
  • Valid till:30 Dec 2021
The Marmalade Pantry
  • 1-for-1 Main Course
  • Valid till: 30 Dec 2021
Fat Cow
  • 25% Off Total Bill
  • Valid till: 30 Dec 2021
Aglio Olio
  • 1-for-1 Main Course
  • Valid till: 30 Dec 2021
AJ's Bar & Beach Dining
  • 1-for-1 Main Course/Bucket of Beer/House Beverage
  • Valid till: 30 Dec 2021
Armano
  • 1-for-1 Main Course
  • Valid till: 30 Dec 2021
Aris Studio 23
  • 1-for-1 Main Course
  • Valid till: 30 Dec 2021
Bar on Chulia
  • 1-for-1 Main Course/Bottle of House Wine House Beverage
  • Valid till: 30 Dec 2021
Bedrock Bar & Grill
  • 25% Off Total Bill
  • Valid till: 30 Dec 2021
Biseryu Japanese Cuisine
  • 1-for-1 Main Course
  • Valid till: 30 Dec 2021
Bistro XY
  • 1-for-1 Main Course
  • Valid till: 30 Dec 2021
Dark Horse Japanese Tapas Bar
  • 1-for-1 Main Course
  • Valid till: 30 Dec 2021
Lè Fusion
  • 1-for-1 Main Course
  • Valid till: 30 Dec 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: All new cardholders will receive S$170 cashback with S$500 min spend + S$30 cashback when you apply with MyInfo via Singpass (until June 30,2021)
  • Read Our Full Review
  • Annual fee: none
  • 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
  • 16% off petrol at Caltex and 14% off at Shell
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: All new cardholders will receive S$170 cashback with S$500 min spend + S$30 cashback when you apply with MyInfo via Singpass (until June 30,2021)
  • Read Our Full Review
  • Annual fee: none
  • 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
  • 16% off petrol at Caltex and 14% off at Shell
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: All new cardholders will receive S$170 cashback with S$500 min spend + S$30 cashback when you apply with MyInfo via Singpass (until June 30,2021)
  • Read Our Full Review
  • Annual fee: S$192.60 (waived for two years)
  • 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: All new cardholders will receive S$170 cashback with S$500 min spend + S$30 cashback when you apply with MyInfo via Singpass (until June 30,2021)
  • Read Our Full Review
  • Annual fee: S$192.60 (waived for two years)
  • 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
Millennium Hotels and Resorts30% off total bill31 Mar 2021
Princess Terrace, Copthorne King's Hotel Singapore15% off total bill31 Mar 2021
The Orchard Cafe, Orchard Hotel Singapore30% off total bill31 Mar 2021
Mezza9, Grand Hyatt Singapore30% off 2 or 3 course lunch31 July 2021
Sun's Café, Hotel Grand Pacific1-for-1 Peranakan buffet lunch and dinner31 Dec 2021
Mo Bar, Mandarin Oriental, Singapore15% off total food bill30 Dec 2021
Cherry Garden, Mandarin Oriental, Singapore15% off total food bill30 Dec 2021
Man Fu Yuan, InterContinental Singapore20% off total bill30 Dec 2021
Ash & Elm, InterContinental Singapore20% off total bill30 Dec 2021
Colony, The Ritz-Carlton, Millenia Singapore15% off total bill30 Dec 2021
Marriott Cafe, Singapore Marriott Tang Plaza Hotel15% off total food bill31 Dec 2021
Lobby Bar, Sheraton Towers Singapore15% off total bill31 Dec 2021
Details and eligibility vary and may change. Please check bank website for additional information
Promotions & Details
Millennium Hotels and Resorts
  • 30% off total bill
  • Valid till: 31 Mar 2021
Princess Terrace, Copthorne King's Hotel Singapore
  • 15% off total bill
  • Valid till: 31 Mar 2021
The Orchard Cafe, Orchard Hotel Singapore
  • 30% off total bill
  • Valid till: 31 Mar 2021
Mezza9, Grand Hyatt Singapore
  • 30% off 2 or 3 course lunch
  • Valid till: 31 July 2021
Sun's Café, Hotel Grand Pacific
  • 1-for-1 Peranakan buffet lunch and dinner
  • Valid till: 31 Dec 2021
Mo Bar, Mandarin Oriental, Singapore
  • 15% off total food bill
  • Valid till: 30 Dec 2021
Cherry Garden, Mandarin Oriental, Singapore
  • 15% off total food bill
  • Valid till: 30 Dec 2021
Man Fu Yuan, InterContinental Singapore
  • 20% off total bill
  • Valid till: 30 Dec 2021
Ash & Elm, InterContinental Singapore
  • 20% off total bill
  • Valid till: 30 Dec 2021
Colony, The Ritz-Carlton, Millenia Singapore
  • 15% off total bill
  • Valid till: 30 Dec 2021
Marriott Cafe, Singapore Marriott Tang Plaza Hotel
  • 15% off total food bill
  • Valid till: 31 Dec 2021
Lobby Bar, Sheraton Towers Singapore
  • 15% off total bill
  • Valid till: 31 Dec 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

  • High travel & dining cashback plus exclusive travel deals
  • Promotions: Earn up to S$120 cashback on your insurance by signing up for monthly recurring payments with your OCBC 365 credit card (until June 30,2021)
  • Read Our Full Review
  • Annual fee: S$192.60 (automatic annual fee waiver with min annual spend of S$10,000)
  • 6% rebate on dining & online food delivery
  • 3% rebate on local, overseas and online groceries
  • 3% rebate on land transport, utilities (telco and electricity bills) & online travel
  • 5% rebate on petrol (up to 22.1% fuel savings at Caltex and 20.2% with Esso)
  • 0.3% cashback on all other spend
  • 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: High travel & dining cashback plus exclusive travel deals
  • Promotions: Earn up to S$120 cashback on your insurance by signing up for monthly recurring payments with your OCBC 365 credit card (until June 30,2021)
  • Read Our Full Review
  • Annual fee: S$192.60 (automatic annual fee waiver with min annual spend of S$10,000)
  • 6% rebate on dining & online food delivery
  • 3% rebate on local, overseas and online groceries
  • 3% rebate on land transport, utilities (telco and electricity bills) & online travel
  • 5% rebate on petrol (up to 22.1% fuel savings at Caltex and 20.2% with Esso)
  • 0.3% cashback on all other spend
  • 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

  • Boosted miles rewards for local dining spend
  • Promotions: Get 15% off total bill at Yang Ting, The St. Regis (until June 30,2021)
  • Get 15% off one-night stay in Deluxe room at Sheraton Towers Singapore (until June 28,2021)
  • Get 15% off Pan Pacific Hotels Group (until Mar.31, 2021)
  • Read Our Full Review
  • Annual fee: S$488 (with 15,000 VOYAGE Miles)
  • 2.2 miles per S$1 overseas and dining spend
  • 1.3 miles per S$1 local spend
  • 1 mile per S$1 spend on AXS Pay + Earn transactions
  • Up to 19% fuel savings with Caltex
  • No miles conversion fees and no black-out dates
  • Unlimited lounge access, free travel insurance and VISA Infinite Exclusive Benefits
  • 2 complimentary limo transfers/mo with S$5,000 min spend (local or overseas)
  • eCommerce purchase protection
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.

  • Stand-Out: Boosted miles rewards for local dining spend
  • Promotions: Get 15% off total bill at Yang Ting, The St. Regis (until June 30,2021)
  • Get 15% off one-night stay in Deluxe room at Sheraton Towers Singapore (until June 28,2021)
  • Get 15% off Pan Pacific Hotels Group (until Mar.31, 2021)
  • Read Our Full Review
  • Annual fee: S$488 (with 15,000 VOYAGE Miles)
  • 2.2 miles per S$1 overseas and dining spend
  • 1.3 miles per S$1 local spend
  • 1 mile per S$1 spend on AXS Pay + Earn transactions
  • Up to 19% fuel savings with Caltex
  • No miles conversion fees and no black-out dates
  • Unlimited lounge access, free travel insurance and VISA Infinite Exclusive Benefits
  • 2 complimentary limo transfers/mo with S$5,000 min spend (local or overseas)
  • eCommerce purchase protection
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
Cocobolo Poolside Bar + Grill1-for-1 BBQ buffet30 June 2021
Atrium, Holiday Inn SG1-for-1 lunch & dinner buffet31 Dec 2021
Carousel, Royal Plaza on Scotts20% off total food bill31 Dec 2021
Straits Kitchen, Grand Hyatt Singapore25% off lunch buffet31 Dec 2021
Details and eligibility vary and may change. Please check bank website for additional information
Promotions & Details
Cocobolo Poolside Bar + Grill
  • 1-for-1 BBQ buffet
  • Valid till: 30 June 2021
Atrium, Holiday Inn SG
  • 1-for-1 lunch & dinner buffet
  • Valid till: 31 Dec 2021
Carousel, Royal Plaza on Scotts
  • 20% off total food bill
  • Valid till: 31 Dec 2021
Straits Kitchen, Grand Hyatt Singapore
  • 25% off lunch buffet
  • Valid till: 31 Dec 2021
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

Maybank Family & Friends Card
Maybank Family & Friends Card
  • Up to S$30/quarter with just S$300/month spend
  • Promotions: Get S$100 cash credit with Maybank Credit Card and CreditAble when you charge and withdraw min of S$250 for each of the 2 consecutive months upon card approval (until June 30,2021)
  • Read Our Full Review
  • Annual fee: S$180 (3 years fee waiver)
  • Up to 8% rebate on fast food & food delivery, groceries, transport, petrol discounts & 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 Family & Friends Card
Maybank Family & Friends Card
  • Stand-Out: Up to S$30/quarter with just S$300/month spend
  • Promotions: Get S$100 cash credit with Maybank Credit Card and CreditAble when you charge and withdraw min of S$250 for each of the 2 consecutive months upon card approval (until June 30,2021)
  • Read Our Full Review
  • Annual fee: S$180 (3 years fee waiver)
  • Up to 8% rebate on fast food & food delivery, groceries, transport, petrol discounts & 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

Maybank Horizon Visa Signature Card
Maybank Horizon Visa Signature Card
  • Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Get S$100 cash credit with Maybank Credit Card and CreditAble when you charge and withdraw min of S$250 for each of the 2 consecutive months upon card approval (until June 30,2021)
  • Read Our Full Review
  • Annual fee: S$180 (waived for three years)
  • Subsequent annual fee is waived with min annual spend of S$18,000
  • 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.

Maybank Horizon Visa Signature Card
Maybank Horizon Visa Signature Card
  • Stand-Out: Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Get S$100 cash credit with Maybank Credit Card and CreditAble when you charge and withdraw min of S$250 for each of the 2 consecutive months upon card approval (until June 30,2021)
  • Read Our Full Review
  • Annual fee: S$180 (waived for three years)
  • Subsequent annual fee is waived with min annual spend of S$18,000
  • 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
NamNam1-for-1 Premium Selection12 Mar 2021
Sheraton Towers - Afternoon Tea1-for-1 Afternoon Tea31 Mar 2021
Town Restaurant, The Fullerton Hotel15% off a la carte weekday lunch/dinner food bill30 Dec 2021
The Courtyard, The Fullerton Hotel Singapore15% off a la carte food bill30 Dec 2021
Mikuni20% off total food bill30 Dec 2021
Clove20% off food bill30 Dec 2021
La TaperiaS$20 off with min spend of S$10031 Dec 2021
RISE Restaurant20% off total bill31 Jan 2022
Origin + Bloom15% off total bill31 Jan 2022
Details and eligibility vary and may change. Please check bank website for additional information
Promotions & Details
NamNam
  • 1-for-1 Premium Selection
  • Valid till: 12 Mar 2021
Sheraton Towers - Afternoon Tea
  • 1-for-1 Afternoon Tea
  • Valid till: 31 Mar 2021
Town Restaurant, The Fullerton Hotel
  • 15% off a la carte weekday lunch/dinner food bill
  • Valid till: 30 Dec 2021
The Courtyard, The Fullerton Hotel Singapore
  • 15% off a la carte food bill
  • Valid till: 30 Dec 2021
Mikuni
  • 20% off total food bill
  • Valid till: 30 Dec 2021
Clove
  • 20% off food bill
  • Valid till: 30 Dec 2021
La Taperia
  • S$20 off with min spend of S$100
  • Valid till: 31 Dec 2021
RISE Restaurant
  • 20% off total bill
  • Valid till: 31 Jan 2022
Origin + Bloom
  • 15% off total bill
  • Valid till: 31 Jan 2022
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 Apple AirPods Pro (worth S$379) OR S$300 cash via PayNow with S$300 min spend within 30 days of card approval (until May 16, 2021)
  • Existing cardholders will receive $30 cash via PayNow
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived)
  • 10 pts (2.9 mi) per S$1 overseas, 5 pts (1.45 mi) on dining, 1 pt (0.29 mi) on 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 Apple AirPods Pro (worth S$379) OR S$300 cash via PayNow with S$300 min spend within 30 days of card approval (until May 16, 2021)
  • Existing cardholders will receive $30 cash via PayNow
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived)
  • 10 pts (2.9 mi) per S$1 overseas, 5 pts (1.45 mi) on dining, 1 pt (0.29 mi) on 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 Apple AirPods Pro (worth S$379) OR S$300 cash via PayNow with S$300 min spend within 30 days of card approval (until May 16, 2021)
  • Existing cardholders will receive $30 cash via PayNow
  • Read Our Full Review
  • Annual fee: S$192.60 (waived for two years)
  • Unlimited 1.5% cashback on all spend
  • Caltex petrol discounts up to 21%
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 this 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 Apple AirPods Pro (worth S$379) OR S$300 cash via PayNow with S$300 min spend within 30 days of card approval (until May 16, 2021)
  • Existing cardholders will receive $30 cash via PayNow
  • Read Our Full Review
  • Annual fee: S$192.60 (waived for two years)
  • Unlimited 1.5% cashback on all spend
  • Caltex petrol discounts up to 21%
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 this 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
Sahara Bar & Restaurant50% off 2nd Main Course31 Mar 2021
Restaurant Beurre50% off 2nd Main Course31 Mar 2021
Solo Ristorante50% off 2nd Main Course31 Mar 2021
The Courtyard, The Fullerton Hotel1 dines free with 3 paying adults31 Mar 2021
Andaz Singapore25% off lunch and dinner30 Apr 2021
Charcoal Thai1-for-1 Mookata Set31 May 2021
Chillax Seafood20% off total bill31 May 2021
The Bar, Oakwood Premier Amtd Singapore20% off total bill31 Dec 2021
Resorts World Sentosa10% off food bill31 Dec 2021
Atrium Restaurant1-for-1 buffet / 15% off à la carte menu31 Dec 2021
Details and eligibility vary and may change. Please check bank website for additional information
Promotions & Details
Sahara Bar & Restaurant
  • 50% off 2nd Main Course
  • Valid till: 31 Mar 2021
Restaurant Beurre
  • 50% off 2nd Main Course
  • Valid till: 31 Mar 2021
Solo Ristorante
  • 50% off 2nd Main Course
  • Valid till: 31 Mar 2021
The Courtyard, The Fullerton Hotel
  • 1 dines free with 3 paying adults
  • Valid till: 31 Mar 2021
Andaz Singapore
  • 25% off lunch and dinner
  • Valid till: 30 Apr 2021
Charcoal Thai
  • 1-for-1 Mookata Set
  • Valid till: 31 May 2021
Chillax Seafood
  • 20% off total bill
  • Valid till: 31 May 2021
The Bar, Oakwood Premier Amtd Singapore
  • 20% off total bill
  • Valid till: 31 Dec 2021
Resorts World Sentosa
  • 10% off food bill
  • Valid till: 31 Dec 2021
Atrium Restaurant
  • 1-for-1 buffet /15% off à la carte menu
  • Valid till: 31 Dec 2021
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

CIMB Platinum Mastercard
CIMB Platinum Mastercard
  • 10% rebate on wine and dine, transport, petrol, health and travel, capped at S$100/month
  • Promotions: New cardholders get S$120 cash credit with S$500 min spend for two consecutive months following card approval (until July 31, 2021)
  • Read Our Full Review
  • Annual fee: free for life
  • 10% cashback on dining, medical, transport, petrol & overseas travel
  • 10% cashback on select electronics/furnishings vendors
  • Unlimited 0.2% cashback on all other spend
  • 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 Platinum Mastercard
CIMB Platinum Mastercard
  • Stand-Out: 10% rebate on wine and dine, transport, petrol, health and travel, capped at S$100/month
  • Promotions: New cardholders get S$120 cash credit with S$500 min spend for two consecutive months following card approval (until July 31, 2021)
  • Read Our Full Review
  • Annual fee: free for life
  • 10% cashback on dining, medical, transport, petrol & overseas travel
  • 10% cashback on select electronics/furnishings vendors
  • Unlimited 0.2% cashback on all other spend
  • 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

CIMB World Mastercard
CIMB World Mastercard
  • Unlimited 2% cashback on wine and dine, entertainment and 50% off green fees
  • Promotions: New cardholders get S$120 cash credit with S$500 min spend for two consecutive months following card approval (until July 31, 2021)
  • Read Our Full Review
  • Annual fee: free for life
  • 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.
CIMB World Mastercard
CIMB World Mastercard
  • Stand-Out: Unlimited 2% cashback on wine and dine, entertainment and 50% off green fees
  • Promotions: New cardholders get S$120 cash credit with S$500 min spend for two consecutive months following card approval (until July 31, 2021)
  • Read Our Full Review
  • Annual fee: free for life
  • 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: Get a B&O Beoplay E8 3rd Gen (worth S$499) with S$5,000 min spend in first 3 months + enjoy S$30 statement credit for every S$60 spent at Love Dining merchants, capped at S$150 (until June 30,2021)
  • Enjoy a S$30 statement credit for every S$60 spent at Love Dining merchants, capped at S$150 (until June 30, 2021)
  • 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: Get a B&O Beoplay E8 3rd Gen (worth S$499) with S$5,000 min spend in first 3 months + enjoy S$30 statement credit for every S$60 spent at Love Dining merchants, capped at S$150 (until June 30,2021)
  • Enjoy a S$30 statement credit for every S$60 spent at Love Dining merchants, capped at S$150 (until June 30, 2021)
  • 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

Zoryana Melesh

Zoryana is a Senior Research Analyst at ValueChampion, who focuses on evaluating credit cards, savings and fixed deposits in Singapore. She holds a BA in Political Science and an MPA in International Finance and Economic Policy, both from Columbia University. Prior to joining ValueChampion, Zoryana worked in treasury management consulting.

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