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 EVOL: Rebates on online and contactless spend with easy fee-waiver
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: 6% rebate on dining, 3% rebate on groceries, 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 rewards credit cards compare to one another in terms of their rewards

Best UOB Credit Card 1-for-1 Buffet Promotions

VenuePromotionValid Until
Long Bar - Raffles Hotel Singapore1-for-1 Singapore Sling31 July 2021
Crystal Jade GO1-for-1 selected dishes with min spend of S$30 (Mon-Fri)31 July 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
The Whiskey Library1-for-1 on all dishes30 Sept. 2021
Sushi Tei1-for-1 Lobster Salad Roll31 March 2022
Shima Restaurant1-for-1 Omakase dinner menu31 July 2022
Details and eligibility vary and may change. Please check bank website for additional information
Promotions & Details
Long Bar - Raffles Hotel Singapore ** on_current="true" 1-for-1 Singapore Sling Valid till: 31 July 2021
**Crystal Jade GO
  • 1-for-1 selected dishes with min spend of S$30 (Mon-Fri)
  • Valid till: 31 July 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
The Whiskey Library
  • 1-for-1 on all dishes
  • Valid till: 30 Sept. 2021
Sushi Tei
  • 1-for-1 Lobster Salad Roll
  • Valid till: 31 March 2022
Shima Restaurant
  • 1-for-1 Omakase dinner menu
  • Valid till: 31 July 2022
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

The UOB One Card is one of the most generous cards offering rebates on everyday essentials, with a flat cashback rate of 5%, and an additional 5% on select merchants (Dairy Farm, Shopee, Grab).
  • Pros
    • Good fit for budgets of at least S$2,000 per month
    • Easy cashback on daily spend
    • Gives rebates for paying bills
    • Cons
      • Doesn't fit high budgets or low/inconsistent budgets
      • Annual fee
      • 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.

      The UOB One Card is one of the most generous cards offering rebates on everyday essentials, with a flat cashback rate of 5%, and an additional 5% on select merchants (Dairy Farm, Shopee, Grab).
      • Pros
        • Good fit for budgets of at least S$2,000 per month
        • Easy cashback on daily spend
        • Gives rebates for paying bills
        • Cons
          • Doesn't fit high budgets or low/inconsistent budgets
          • Annual fee
          • 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

          KrisFlyer UOB Credit Card offers great cashback on Singapore Airlines spend (3mi/S$1) and 1.2mi/S$1 on other spend. It also comes with additional travel privileges.
          • Pros
            • 3 mi per S$1 on SIA, SilkAir, Scoot & KrisShop
            • Up to 3 mi on dining, transport, online shopping & travel
            • Expedited KF Elite Silver status, Scoot privileges
            • 10,000 annual bonus renewal miles
            • Cons
              • Just 1.2 mi on non-category overseas spend
              • No lounge access perks
              • No spend-based fee-waiver
              • 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.

              KrisFlyer UOB Credit Card offers great cashback on Singapore Airlines spend (3mi/S$1) and 1.2mi/S$1 on other spend. It also comes with additional travel privileges.
              • Pros
                • 3 mi per S$1 on SIA, SilkAir, Scoot & KrisShop
                • Up to 3 mi on dining, transport, online shopping & travel
                • Expedited KF Elite Silver status, Scoot privileges
                • 10,000 annual bonus renewal miles
                • Cons
                  • Just 1.2 mi on non-category overseas spend
                  • No lounge access perks
                  • No spend-based fee-waiver
                  • 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 EVOL Card: Cashback on Contactless and Online Spend

                  PROMO: GET APPLE WATCH OR NINTENDO SWITCH
                  In addition to being the first bio-sourced credit card in the region offering discounts on eco-friendly merchants, UOB EVOL Card offers young spender 8% cashback on all online and contactless spend.
                  • Pros
                    • Easy to use cashback card
                    • Annual fee waived with 3 transactions per month
                    • Great for budgets of at least S$600/month
                    • Rewards all online and mobile spend
                    • Cons
                      • Lacks cashback on essentials (ie groceries, bills)
                      • Cashback capped at S$60/mo
                      • Annual fee: S$192.60 (first year- waived)
                      • Subsequently waived after you make 3 transactions monthly
                      • 8% cashback on online and mobile contactless spend
                      • 0.3% cashback on all other spend
                      • S$600 min spend, S$60 cashback cap
                      • Southeast Asia’s first bio-sourced card
                      UOB EVOL Card is a great credit card for young adults. It not only offers an excellent way to earn cashback on online spend, but it also offers great deals to lead a more sustainable life. UOB EVOL is Southeast Asia's first bio-sourced card which supports the green initiative more than just in name, it also offers fully digital access to bank statements and access to various sustainable deals on shopping and dining.


                      Cardholders who reach the S$600 minimum spend requirement earn 8% cashback on two broad categories: any purchases made online and any purchases made with contactless pay apps such as Apple Pay, Google Pay and Samsung Pay. This versatility makes UOB EVOL Card a great choice for just about any type of spend, including entertainment expenses. Cardholders are able to earn up to S$60 in monthly rebates, split across the three categories of online, contactless and general spend. An annual fee of S$192.60 is waived in the first year, and can be avoided later on by making at least 3 transactions with your UOB EVOL Card every month for 12 months.

                      PROMO: GET APPLE WATCH OR NINTENDO SWITCH
                      In addition to being the first bio-sourced credit card in the region offering discounts on eco-friendly merchants, UOB EVOL Card offers young spender 8% cashback on all online and contactless spend.
                      • Pros
                        • Easy to use cashback card
                        • Annual fee waived with 3 transactions per month
                        • Great for budgets of at least S$600/month
                        • Rewards all online and mobile spend
                        • Cons
                          • Lacks cashback on essentials (ie groceries, bills)
                          • Cashback capped at S$60/mo
                          • Annual fee: S$192.60 (first year- waived)
                          • Subsequently waived after you make 3 transactions monthly
                          • 8% cashback on online and mobile contactless spend
                          • 0.3% cashback on all other spend
                          • S$600 min spend, S$60 cashback cap
                          • Southeast Asia’s first bio-sourced card

                          UOB EVOL Card is a great credit card for young adults. It not only offers an excellent way to earn cashback on online spend, but it also offers great deals to lead a more sustainable life. UOB EVOL is Southeast Asia's first bio-sourced card which supports the green initiative more than just in name, it also offers fully digital access to bank statements and access to various sustainable deals on shopping and dining.


                          Cardholders who reach the S$600 minimum spend requirement earn 8% cashback on two broad categories: any purchases made online and any purchases made with contactless pay apps such as Apple Pay, Google Pay and Samsung Pay. This versatility makes UOB EVOL Card a great choice for just about any type of spend, including entertainment expenses. Cardholders are able to earn up to S$60 in monthly rebates, split across the three categories of online, contactless and general spend. An annual fee of S$192.60 is waived in the first year, and can be avoided later on by making at least 3 transactions with your UOB EVOL Card every month for 12 months.

                          Best Citibank Credit Card Dining & Buffet Promotions

                          VenuePromotionValid Until
                          Town Restaurant, The Fullerton Hotel Singapore1 dines free with every 3 paying adults for Sunday Brunch30 Sept 2021
                          Jade Restaurant, The Fullerton Hotel Singapore1 dines free with every 3 paying guests for Dinner Set Menu30 Sept 2021
                          Lawry's The Prime Rib40% off a la carte menu20 Dec 2021
                          Gordon Grill, Goodwood Park Hotel15% off a la carte food bill30 Dec 2021
                          Atrium Restaurant, Holiday Inn Singapore Atrium1-for-1 buffet31 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
                          The Salon, Hotel Fort Canning1-for-1 mains31 Dec 2021
                          Details and eligibility vary and may change. Please check bank website for additional information
                          Promotions & Details
                          Town Restaurant, The Fullerton Hotel Singapore
                          • 1 dines free with every 3 paying adults for Sunday Brunch
                          • Valid till: 30 Sept 2021
                          Jade Restaurant, The Fullerton Hotel Singapore
                          • 1 dines free with every 3 paying guests for Dinner Set Menu
                          • Valid till: 30 Sept 2021
                          Lawry's The Prime Rib
                          • 40% off a la carte menu
                          • Valid till: 20 Dec 2021
                          Gordon Grill, Goodwood Park Hotel on_current="true" 15% off a la carte food bill Valid till: 30 Dec 2021
                          Atrium Restaurant, Holiday Inn Singapore Atrium
                          • 1-for-1 buffet
                          • Valid till: 31 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 2021
                          Edge, Pan Pacific Singapore
                          • 15% off (excluding Sunday brunch)
                          • Valid till: 31 Dec 2021
                          The Salon, Hotel Fort Canning
                          • 1-for-1 mains
                          • Valid till: 31 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

                          Citi Cash Back Card offers highest petrol cashback on the market – 20.88%, followed by 8% on groceries and 6% on dining. In addition, the cashback rates apply both at home and abroad.
                          • Pros
                            • Great dining and groceries rewards
                            • High petrol discounts
                            • Cons
                              • Lacks shopping and entertainment rewards
                              • Not suitable for lower budgets
                              • Annual fee: S$192.60 (first year- waived)
                              • 8% cashback on groceries
                              • 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 Cash Back Card offers highest petrol cashback on the market – 20.88%, followed by 8% on groceries and 6% on dining. In addition, the cashback rates apply both at home and abroad.
                              • Pros
                                • Great dining and groceries rewards
                                • High petrol discounts
                                • Cons
                                  • Lacks shopping and entertainment rewards
                                  • Not suitable for lower budgets
                                  • Annual fee: S$192.60 (first year- waived)
                                  • 8% cashback on groceries
                                  • 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

                                  Citi SMRT is a great fit for young professionals who often commute to work. You can earn 5% cashback on groceries, online spend, taxis and EZ-Link Auto top-up, all with S$500 min monthly spend.
                                  • Pros
                                    • Good rewards rates for modest budgets
                                    • SMRT$ rewards on EZ-Reload transactions
                                    • Cons
                                      • Not suitable for higher budgets
                                      • Lacks travel and overseas rewards
                                      • Annual fee: S$192.60 (first 2 years- waived)
                                      • 5% cashback on groceries and online spend
                                      • 5% on EZ-Link Auto Top-Up SimplyGo
                                      • 5% on Taxis and private-hire rides
                                      • Up to 14% fuel savings at Esso and Shell
                                      • 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 SMRT is a great fit for young professionals who often commute to work. You can earn 5% cashback on groceries, online spend, taxis and EZ-Link Auto top-up, all with S$500 min monthly spend.
                                      • Pros
                                        • Good rewards rates for modest budgets
                                        • SMRT$ rewards on EZ-Reload transactions
                                        • Cons
                                          • Not suitable for higher budgets
                                          • Lacks travel and overseas rewards
                                          • Annual fee: S$192.60 (first 2 years- waived)
                                          • 5% cashback on groceries and online spend
                                          • 5% on EZ-Link Auto Top-Up SimplyGo
                                          • 5% on Taxis and private-hire rides
                                          • Up to 14% fuel savings at Esso and Shell
                                          • 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

                                          PROMO: GET S$250 IN LAZADA & REDMART VOUCHERS
                                          Citi Lazada Card is great for frequent Lazada shoppers looking to earn miles on their spend. Cardholders earn 4mi/S$1 on Lazada spend and 2mi/S$1 on dining, travel, entertainment and commute spend.
                                          • Pros
                                            • 4 mi (10pts) per S$1 spend on Lazada
                                            • 2 mi (5pts) on dining, transport & more
                                            • Shipping rebates & exclusive Lazada deals
                                            • Cons
                                              • Rewards capped at 4k mi (10k pts) per month
                                              • S$192.60 fee waived just 1 year
                                              • General spend earns 0.4 mi per S$1
                                              • 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.
                                              PROMO: GET S$250 IN LAZADA & REDMART VOUCHERS
                                              Citi Lazada Card is great for frequent Lazada shoppers looking to earn miles on their spend. Cardholders earn 4mi/S$1 on Lazada spend and 2mi/S$1 on dining, travel, entertainment and commute spend.
                                              • Pros
                                                • 4 mi (10pts) per S$1 spend on Lazada
                                                • 2 mi (5pts) on dining, transport & more
                                                • Shipping rebates & exclusive Lazada deals
                                                • Cons
                                                  • Rewards capped at 4k mi (10k pts) per month
                                                  • S$192.60 fee waived just 1 year
                                                  • General spend earns 0.4 mi per S$1
                                                  • 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
                                                  Zaffron Kitchen - Indelibly Indian Inside1-for-1 selected dishes30 Sept 2021
                                                  Anouska’s (Duxton Reserve)1-for-1 on all dishes30 Sept 2021
                                                  Peach Garden1-for-1 on all a la carte Lobster Dishes31 Dec 2021
                                                  The Cocoa Trees1-for-1 on selected items31 Dec 2021
                                                  Wan He Lou1-for-1 Set Menu31 Dec 2021
                                                  Central Thai1-for-1 Pineapple Rice4 July 2022
                                                  Details and eligibility vary and may change. Please check bank website for additional information
                                                  Promotions & Details
                                                  Zaffron Kitchen - Indelibly Indian Inside
                                                  • 1-for-1 selected dishes
                                                  • Valid till: 30 Sept 2021
                                                  Anouska’s (Duxton Reserve)
                                                  • 1-for-1 on all dishes
                                                  • Valid till: 30 Sept 2021
                                                  Peach Garden
                                                  • 1-for-1 on all a la carte Lobster Dishes
                                                  • Valid till: 31 Dec 2021
                                                  The Cocoa Trees
                                                  • 1-for-1 on selected items
                                                  • Valid till: 31 Dec 2021
                                                  Wan He Lou
                                                  • 1-for-1 Set Menu
                                                  • Valid till: 31 Dec 2021
                                                  Central Thai
                                                  • 1-for-1 Pineapple Rice
                                                  • Valid till: 4 July 2022
                                                  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

                                                  PROMO: USE CODE AUGFLASH TO GET S$300 CASHBACK
                                                  With POSB Everyday Card, cardholders enjoy great rebates on essentials, such as 10% cashback on online food delivery, 5% on online shopping and 21.8% in fuel savings.
                                                  • Pros
                                                    • Benefits highly diversified spend with large food budgets
                                                    • Great fit for commuters seeking a convenient, an all-in-one card
                                                    • Cons
                                                      • Not suitable for consistent spend of S$2k+/mo
                                                      • Lacks travel rewards
                                                      • Has an annual fee
                                                      • Annual fee: S$192.60 (first year - waived)
                                                      • 10% cash rebates on online food delivery (foodpanda, Deliveroo and WhyQ ) and 3% on other dining spend
                                                      • 8% cash rebates on fuel (up to 21.8% at SPC)
                                                      • 5% cash rebates on groceries (Sheng Siong)
                                                      • 5% cash rebates on online shopping (Amazon, Lazada, Qoo10, Shopee, RedMart & iHerb)
                                                      • 3% cash rebates on personal care at Watsons
                                                      • 1% cash rebates on recurring bills with select merchants (capped at S$1/month)
                                                      • 0.3% cash rebate on all other spend
                                                      • DBS Payment Plan: pay 0% interest, up to 6 months
                                                      POSB Everyday Card offers extremely competitive promotional rates across a variety of key spending categories. In fact, cardholders can often earn as much as 10% 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.
                                                      PROMO: USE CODE AUGFLASH TO GET S$300 CASHBACK
                                                      With POSB Everyday Card, cardholders enjoy great rebates on essentials, such as 10% cashback on online food delivery, 5% on online shopping and 21.8% in fuel savings.
                                                      • Pros
                                                        • Benefits highly diversified spend with large food budgets
                                                        • Great fit for commuters seeking a convenient, an all-in-one card
                                                        • Cons
                                                          • Not suitable for consistent spend of S$2k+/mo
                                                          • Lacks travel rewards
                                                          • Has an annual fee
                                                          • Annual fee: S$192.60 (first year - waived)
                                                          • 10% cash rebates on online food delivery (foodpanda, Deliveroo and WhyQ ) and 3% on other dining spend
                                                          • 8% cash rebates on fuel (up to 21.8% at SPC)
                                                          • 5% cash rebates on groceries (Sheng Siong)
                                                          • 5% cash rebates on online shopping (Amazon, Lazada, Qoo10, Shopee, RedMart & iHerb)
                                                          • 3% cash rebates on personal care at Watsons
                                                          • 1% cash rebates on recurring bills with select merchants (capped at S$1/month)
                                                          • 0.3% cash rebate on all other spend
                                                          • DBS Payment Plan: pay 0% interest, up to 6 months

                                                          POSB Everyday Card offers extremely competitive promotional rates across a variety of key spending categories. In fact, cardholders can often earn as much as 10% 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
                                                          Swissôtel Merchant Court, Singapore - Ellenborough Market Café1-for-1 Lunch Buffet (Mon-Fri)31 July 2021
                                                          ABV @ Southbridge1-for-1 Main Course30 Dec 2021
                                                          AC Kafe1-for-1 Main Course30 Dec 2021
                                                          Aurora Bistro & Bar1-For-1 Main menu item30 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
                                                          Hotel Grand Pacific Singapore – Sun’s Café1-for-1 A La Carte Peranakan Buffet Lunch & Dinner30 Dec 2021
                                                          Shin Minori Japanese Restaurant1-For-1 Omizu Lunch Buffet30 Dec 2021
                                                          Details and eligibility vary and may change. Please check bank website for additional information
                                                          Promotions & Details
                                                          Swissôtel Merchant Court, Singapore - Ellenborough Market Café
                                                          • 1-for-1 Lunch Buffet (Mon-Fri)
                                                          • Valid till: 31 July 2021
                                                          ABV @ Southbridge
                                                          • 1-for-1 Main Course
                                                          • Valid till: 30 Dec 2021
                                                          AC Kafe
                                                          • 1-for-1 Main Course
                                                          • Valid till: 30 Dec 2021
                                                          Aurora Bistro & Bar
                                                          • 1-For-1 Main menu item
                                                          • 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
                                                          Hotel Grand Pacific Singapore – Sun’s Café
                                                          • 1-for-1 A La Carte Peranakan Buffet Lunch & Dinner
                                                          • Valid till: 30 Dec 2021
                                                          Shin Minori Japanese Restaurant
                                                          • 1-For-1 Omizu Lunch Buffet
                                                          • 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

                                                          PROMO: GET UP TO S$200 CASHBACK IN 1ST MO.
                                                          HSBC Revolution Credit Card
                                                          HSBC Revolution Credit Card
                                                          HSBC Revolution offers 4mi/S$1 on online and contactless spend, food delivery and travel. Additional benefits include the option to choose rewards in miles or cashback and no annual fee.
                                                          • Pros
                                                            • Great rewards on local dining and entertainment
                                                            • Online shopping perks
                                                            • No-fee card
                                                            • Cons
                                                              • Lacks rewards for frequent travellers who spend large amounts overseas
                                                              • Not suitable for low budgets
                                                              • Annual fee: none
                                                              • 4 miles (10 points) per S$1 spend online and via contactless payments (airlines, food delivery and retail)
                                                              • 0.4 miles (1 point) per S$1 on all other spend (non-contactless payment)
                                                              • No minimum spend requirement and no annual fee
                                                              • 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.
                                                              PROMO: GET UP TO S$200 CASHBACK IN 1ST MO.
                                                              HSBC Revolution Credit Card
                                                              HSBC Revolution Credit Card
                                                              HSBC Revolution offers 4mi/S$1 on online and contactless spend, food delivery and travel. Additional benefits include the option to choose rewards in miles or cashback and no annual fee.
                                                              • Pros
                                                                • Great rewards on local dining and entertainment
                                                                • Online shopping perks
                                                                • No-fee card
                                                                • Cons
                                                                  • Lacks rewards for frequent travellers who spend large amounts overseas
                                                                  • Not suitable for low budgets
                                                                  • Annual fee: none
                                                                  • 4 miles (10 points) per S$1 spend online and via contactless payments (airlines, food delivery and retail)
                                                                  • 0.4 miles (1 point) per S$1 on all other spend (non-contactless payment)
                                                                  • No minimum spend requirement and no annual fee
                                                                  • 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

                                                                  PROMO: GET UP TO S$200 CASHBACK IN 1ST MO.
                                                                  HSBC Visa Platinum Credit Card
                                                                  HSBC Visa Platinum Credit Card
                                                                  HSBC Visa Platinum is a great family card, offering 5% cashback on dining, groceries and fuel, as well as exclusive discounts at Shopee Mum's Club.
                                                                  • Pros
                                                                    • Great local dining & groceries rewards
                                                                    • Suitable for moderate budgets (S$1,600+/month)
                                                                    • Cashback & miles rewards
                                                                    • Cons
                                                                      • Limited miles & travel perks
                                                                      • Not suitable for frequent online shoppers
                                                                      • 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.
                                                                      PROMO: GET UP TO S$200 CASHBACK IN 1ST MO.
                                                                      HSBC Visa Platinum Credit Card
                                                                      HSBC Visa Platinum Credit Card
                                                                      HSBC Visa Platinum is a great family card, offering 5% cashback on dining, groceries and fuel, as well as exclusive discounts at Shopee Mum's Club.
                                                                      • Pros
                                                                        • Great local dining & groceries rewards
                                                                        • Suitable for moderate budgets (S$1,600+/month)
                                                                        • Cashback & miles rewards
                                                                        • Cons
                                                                          • Limited miles & travel perks
                                                                          • Not suitable for frequent online shoppers
                                                                          • 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
                                                                          Peony Jade @ Keppel Club1-for-1 Abalone & Lobster Luxe Set Menu31 July 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
                                                                          Akira Back, JW Marriott Hotel Singapore South Beach10% off total bill19 April 2022
                                                                          Window on the Park, Holiday Inn1-for-1 à la carte Lunch & Dinner Buffet30 April 2022
                                                                          La Scala, The Capitol Kempinski Hotel10% off à la carte items (15% off for OCBC Voyage)Valid till: 30 April 2022
                                                                          Frieda, The Capitol Kempinski Hotel10% off à la carte items (15% off for OCBC Voyage)Valid till: 30 April 2022
                                                                          Details and eligibility vary and may change. Please check bank website for additional information
                                                                          Promotions & Details
                                                                          Peony Jade @ Keppel Club
                                                                          • 1-for-1 Abalone & Lobster Luxe Set Menu
                                                                          • Valid till: 31 July 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
                                                                          Akira Back, JW Marriott Hotel Singapore South Beach
                                                                          • 10% off total bill
                                                                          • Valid till: 19 April 2022
                                                                          Window on the Park, Holiday Inn
                                                                          • 1-for-1 à la carte Lunch & Dinner Buffet
                                                                          • Valid till: 30 April 2022
                                                                          La Scala, The Capitol Kempinski Hotel
                                                                          • 10% off à la carte items (15% off for OCBC Voyage)
                                                                          • Valid till: 30 April 2022
                                                                          Frieda, The Capitol Kempinski Hotel
                                                                          • 10% off à la carte items (15% off for OCBC Voyage)
                                                                          • Valid till: 30 April 2022
                                                                          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

                                                                          OCBC 365 Card offers great rebates on everyday spend and some of the highest rebates on petrol (22.1% at Caltex and 20.2% at Esso). Given that its annual fee is waived, its rewards rates are some of the best on the market.
                                                                          • Pros
                                                                            • 6% rebate on dining, 3% on groceries, transport, recurring bills, online travel
                                                                            • Fee waiver with S$10,000 annual spend
                                                                            • Up to 22.1% fuel savings at Caltex, 20.2% at Esso
                                                                            • Cons
                                                                              • 0.3% rebate on general spend
                                                                              • 0.3% rebate on EZ-Link & Transitlink is capped at S$0.6/month
                                                                              • High S$800 minimum spend requirement
                                                                              • Annual fee: S$192.60 (automatic annual fee waiver with min annual spend of S$10,000)
                                                                              • 6% rebate on local, overseas 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 365 Card offers great rebates on everyday spend and some of the highest rebates on petrol (22.1% at Caltex and 20.2% at Esso). Given that its annual fee is waived, its rewards rates are some of the best on the market.
                                                                              • Pros
                                                                                • 6% rebate on dining, 3% on groceries, transport, recurring bills, online travel
                                                                                • Fee waiver with S$10,000 annual spend
                                                                                • Up to 22.1% fuel savings at Caltex, 20.2% at Esso
                                                                                • Cons
                                                                                  • 0.3% rebate on general spend
                                                                                  • 0.3% rebate on EZ-Link & Transitlink is capped at S$0.6/month
                                                                                  • High S$800 minimum spend requirement
                                                                                  • Annual fee: S$192.60 (automatic annual fee waiver with min annual spend of S$10,000)
                                                                                  • 6% rebate on local, overseas 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

                                                                                  PROMO: GET 15,000 VOYAGE MILES
                                                                                  OCBC Voyage Card is a good option for wealthy customers whose spending will elevate their rewards rates and lower annual fees. In addition, the card offers many travel perks.
                                                                                  • Pros
                                                                                    • 2.2 miles per S$1 overseas and dining spend
                                                                                    • 1.3 miles per S$1 local general
                                                                                    • 15,000 annual bonus renewal miles (worth S$150)
                                                                                    • Unlimited lounge access, free travel insurance, limo transfers, golfing privileges & more
                                                                                    • Up to 19% fuel savings with Caltex
                                                                                    • Cons
                                                                                      • High S$488 annual fee (no waiver)
                                                                                      • Recurring bills ineligible for rewards
                                                                                      • Access to limo transfers requires S$3,000 minimum spend
                                                                                      • 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.

                                                                                      PROMO: GET 15,000 VOYAGE MILES
                                                                                      OCBC Voyage Card is a good option for wealthy customers whose spending will elevate their rewards rates and lower annual fees. In addition, the card offers many travel perks.
                                                                                      • Pros
                                                                                        • 2.2 miles per S$1 overseas and dining spend
                                                                                        • 1.3 miles per S$1 local general
                                                                                        • 15,000 annual bonus renewal miles (worth S$150)
                                                                                        • Unlimited lounge access, free travel insurance, limo transfers, golfing privileges & more
                                                                                        • Up to 19% fuel savings with Caltex
                                                                                        • Cons
                                                                                          • High S$488 annual fee (no waiver)
                                                                                          • Recurring bills ineligible for rewards
                                                                                          • Access to limo transfers requires S$3,000 minimum spend
                                                                                          • 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
                                                                                          Rendezvous Hotel Singapore, Straits Café15% off dine-in buffet and a la carte menu30 Dec 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
                                                                                          Tenkaichi Yakiniku1-for-1 Set Menu31 Dec 2021
                                                                                          Details and eligibility vary and may change. Please check bank website for additional information
                                                                                          Promotions & Details
                                                                                          Rendezvous Hotel Singapore, Straits Café
                                                                                          • 15% off dine-in buffet and a la carte menu
                                                                                          • Valid till: 30 Dec 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
                                                                                          Tenkaichi Yakiniku
                                                                                          • 1-for-1 Set Menu
                                                                                          • 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

                                                                                          PROMO: GET S$100 CASH CREDIT
                                                                                          Maybank F&F is one of the most flexible cashback cards on the market, allowing customers to select 5 cashback categories on which they will earn 8% cashback, all with S$800 min monthly spend.
                                                                                          • Pros
                                                                                            • Good for budgets of S$800/month
                                                                                            • Awards 8% cashback on 5 categories of your choice
                                                                                            • 3 year annual fee waiver
                                                                                            • Great to use in Singapore, Malaysia, Indonesia and the Philippines
                                                                                            • Cons
                                                                                              • Merchant restrictions
                                                                                              • Lacks miles & travel perks
                                                                                              • Annual fee: S$180 (3 years fee waiver)
                                                                                              • Up to 8% rebate on 5 preferred categories (fast food & food delivery, groceries, transport, petrol discounts & online TV streaming)
                                                                                              • Up to S$125 cashback per month with S$800 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.
                                                                                              PROMO: GET S$100 CASH CREDIT
                                                                                              Maybank F&F is one of the most flexible cashback cards on the market, allowing customers to select 5 cashback categories on which they will earn 8% cashback, all with S$800 min monthly spend.
                                                                                              • Pros
                                                                                                • Good for budgets of S$800/month
                                                                                                • Awards 8% cashback on 5 categories of your choice
                                                                                                • 3 year annual fee waiver
                                                                                                • Great to use in Singapore, Malaysia, Indonesia and the Philippines
                                                                                                • Cons
                                                                                                  • Merchant restrictions
                                                                                                  • Lacks miles & travel perks
                                                                                                  • Annual fee: S$180 (3 years fee waiver)
                                                                                                  • Up to 8% rebate on 5 preferred categories (fast food & food delivery, groceries, transport, petrol discounts & online TV streaming)
                                                                                                  • Up to S$125 cashback per month with S$800 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

                                                                                                  PROMO: GET S$100 CASH CREDIT
                                                                                                  Maybank Horizon Visa Signature is a great travel companion offering 3.2mi/S$1 on dining, petrol, public transit and Agoda bookings.
                                                                                                  • Pros
                                                                                                    • High spend on local dining & transport
                                                                                                    • Great for local spend and miles rewards on travel
                                                                                                    • 3 years fee waiver
                                                                                                    • Cons
                                                                                                      • Doesn't reward overseas spend
                                                                                                      • Few travel perks & privileges
                                                                                                      • Lacks in rewards for essentials (ie groceries)
                                                                                                      • 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.

                                                                                                      PROMO: GET S$100 CASH CREDIT
                                                                                                      Maybank Horizon Visa Signature is a great travel companion offering 3.2mi/S$1 on dining, petrol, public transit and Agoda bookings.
                                                                                                      • Pros
                                                                                                        • High spend on local dining & transport
                                                                                                        • Great for local spend and miles rewards on travel
                                                                                                        • 3 years fee waiver
                                                                                                        • Cons
                                                                                                          • Doesn't reward overseas spend
                                                                                                          • Few travel perks & privileges
                                                                                                          • Lacks in rewards for essentials (ie groceries)
                                                                                                          • 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
                                                                                                          Town Restaurant, The Fullerton Hotel Singapore1 dines free with every 3 paying adults for Sunday Brunch30 Sept 2021
                                                                                                          Jade, The Fullerton Hotel Singapore1 dines free with every 3 paying guests30 Sept 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
                                                                                                          Singapore Marriott Tang Plaza Hotel - Crossroads15% off total food bill31 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
                                                                                                          Town Restaurant, The Fullerton Hotel Singapore
                                                                                                          • 1 dines free with every 3 paying adults for Sunday Brunch
                                                                                                          • Valid till: 30 Sept 2021
                                                                                                          Jade, The Fullerton Hotel Singapore
                                                                                                          • 1 dines free with every 3 paying guests
                                                                                                          • Valid till: 30 Sept 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
                                                                                                          Singapore Marriott Tang Plaza Hotel - Crossroads
                                                                                                          • 15% off total food bill
                                                                                                          • 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

                                                                                                          Standard Chartered Rewards+ is a great option for frequent travellers looking to earn miles. You can get 10pts/S$1 on retail, dining and travel spend abroad and 5pts/S$1 on dining in Singapore.
                                                                                                          • Pros
                                                                                                            • People with S$250-350/month dining & overseas budget
                                                                                                            • Supplementary card for lower spend areas
                                                                                                            • Cons
                                                                                                              • People seeking to maximise rewards for everyday spend
                                                                                                              • Those with cards that already reward dining & overseas
                                                                                                              • People who spend S$350+/month on dining alone
                                                                                                              • 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 Rewards+ is a great option for frequent travellers looking to earn miles. You can get 10pts/S$1 on retail, dining and travel spend abroad and 5pts/S$1 on dining in Singapore.
                                                                                                              • Pros
                                                                                                                • People with S$250-350/month dining & overseas budget
                                                                                                                • Supplementary card for lower spend areas
                                                                                                                • Cons
                                                                                                                  • People seeking to maximise rewards for everyday spend
                                                                                                                  • Those with cards that already reward dining & overseas
                                                                                                                  • People who spend S$350+/month on dining alone
                                                                                                                  • 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

                                                                                                                  Standard Chartered Unlimited Cashback Card offers flat cashback rate of 1.5% on all spend, and 5% promotional cashback rate for new customers within the first 3 months.
                                                                                                                  • Pros
                                                                                                                    • Unlimited 1.5% flat cashback
                                                                                                                    • No minimum spend requirement
                                                                                                                    • Up to 21% fuel savings with Caltex
                                                                                                                    • Cons
                                                                                                                      • Must spend S$7,000/month to get good value
                                                                                                                      • No boosted rates in specific categories
                                                                                                                      • No travel perks
                                                                                                                      • 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.
                                                                                                                      Standard Chartered Unlimited Cashback Card offers flat cashback rate of 1.5% on all spend, and 5% promotional cashback rate for new customers within the first 3 months.
                                                                                                                      • Pros
                                                                                                                        • Unlimited 1.5% flat cashback
                                                                                                                        • No minimum spend requirement
                                                                                                                        • Up to 21% fuel savings with Caltex
                                                                                                                        • Cons
                                                                                                                          • Must spend S$7,000/month to get good value
                                                                                                                          • No boosted rates in specific categories
                                                                                                                          • No travel perks
                                                                                                                          • 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
                                                                                                                          Cali1-for-1 main course31 Dec 2021
                                                                                                                          Marriott Cafe, Singapore Marriott Tang Plaza Hotel15% off total food bill31 Dec 2021
                                                                                                                          Crossroads, Singapore Marriott Tang Plaza Hotel15% off total food bill31 Dec 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
                                                                                                                          Cali
                                                                                                                          • 1-for-1 main course
                                                                                                                          • Valid till: 31 Dec 2021
                                                                                                                          Marriott Cafe, Singapore Marriott Tang Plaza Hotel
                                                                                                                          • 15% off total food bill
                                                                                                                          • Valid till: 31 Dec 2021
                                                                                                                          Crossroads, Singapore Marriott Tang Plaza Hotel
                                                                                                                          • 15% off total food bill
                                                                                                                          • Valid till: 31 Dec 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
                                                                                                                          With CIMB Platinum MasterCard you can earn 10% cashback on travel, transport, health and dining expenses. Additional perk – no annual fee for life.
                                                                                                                          • Pros
                                                                                                                            • Awards cashback for global transport
                                                                                                                            • Cashback for medical expenses and travel spend in foreign currency
                                                                                                                            • No annual fee credit card
                                                                                                                            • Cons
                                                                                                                              • Doesn't award cashback on everyday essentials
                                                                                                                              • No cashback on online spend
                                                                                                                              • 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
                                                                                                                              With CIMB Platinum MasterCard you can earn 10% cashback on travel, transport, health and dining expenses. Additional perk – no annual fee for life.
                                                                                                                              • Pros
                                                                                                                                • Awards cashback for global transport
                                                                                                                                • Cashback for medical expenses and travel spend in foreign currency
                                                                                                                                • No annual fee credit card
                                                                                                                                • Cons
                                                                                                                                  • Doesn't award cashback on everyday essentials
                                                                                                                                  • No cashback on online spend
                                                                                                                                  • 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 offers unlimited 2% cashback on dining, entertainment, and duty free spend and 1.5% unlimited cashback on all other spend. Additional benefit: golf perks.
                                                                                                                                  • Pros
                                                                                                                                    • Great fit for big leisure budgets
                                                                                                                                    • Rewards dining, entertainment and duty free shopping
                                                                                                                                    • Perks for avid golfers
                                                                                                                                    • No-fee & maintenance free cashback card
                                                                                                                                    • Cons
                                                                                                                                      • Lack cashback on essentials (ie groceries, bills)
                                                                                                                                      • Doesn't reward airline & hotel spend
                                                                                                                                      • Doesn't fit monthly budgets of S$3,000/month and below
                                                                                                                                      • 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 offers unlimited 2% cashback on dining, entertainment, and duty free spend and 1.5% unlimited cashback on all other spend. Additional benefit: golf perks.
                                                                                                                                      • Pros
                                                                                                                                        • Great fit for big leisure budgets
                                                                                                                                        • Rewards dining, entertainment and duty free shopping
                                                                                                                                        • Perks for avid golfers
                                                                                                                                        • No-fee & maintenance free cashback card
                                                                                                                                        • Cons
                                                                                                                                          • Lack cashback on essentials (ie groceries, bills)
                                                                                                                                          • Doesn't reward airline & hotel spend
                                                                                                                                          • Doesn't fit monthly budgets of S$3,000/month and below
                                                                                                                                          • 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
                                                                                                                                          • Atrium Restaurant, Holiday Inn Singapore
                                                                                                                                          • Wooloomooloo Steakhouse, Swissôtel The Stamford
                                                                                                                                          • Oscar's, Conrad Centennial Singapore
                                                                                                                                          • Asian Market Cafe, Fairmont Singapore
                                                                                                                                          • Marriott Cafe, Singapore Marriott Tang Plaza Hotel
                                                                                                                                          • Ellenborough Market Cafe, Swissôtel Merchant Court
                                                                                                                                          • 1 Diner: 15% off bill
                                                                                                                                          • 2 Diners: 50% off bill
                                                                                                                                          • 3 Diners: 35% off bill
                                                                                                                                          • 4 Diners: 25% off bill
                                                                                                                                          • 5-20 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
                                                                                                                                          • Atrium Restaurant, Holiday Inn Singapore
                                                                                                                                          • Wooloomooloo Steakhouse, Swissôtel The Stamford
                                                                                                                                          • Oscar's, Conrad Centennial Singapore
                                                                                                                                          • Asian Market Cafe, Fairmont Singapore
                                                                                                                                          • Marriott Cafe, Singapore Marriott Tang Plaza Hotel
                                                                                                                                          • Ellenborough Market Cafe, Swissôtel Merchant Court
                                                                                                                                          Love Dining Discount
                                                                                                                                          • 1 Diner: 15% off bill
                                                                                                                                          • 2 Diners: 50% off bill
                                                                                                                                          • 3 Diners: 35% off bill
                                                                                                                                          • 4 Diners: 25% off bill
                                                                                                                                          • 5-20 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

                                                                                                                                          PROMO: GET FREE 1NIGHT STAY AT FULLERTON HOTEL
                                                                                                                                          American Express Platinum Credit Card is a luxury card offering great deals (up to 50% off) on premium dining and lifestyle. S$1.60 spend earns 10 membership points or 5.5 miles.
                                                                                                                                          • Pros
                                                                                                                                            • Exclusive local privileges
                                                                                                                                            • Great local dining discounts and rewards on designer brands
                                                                                                                                            • Cons
                                                                                                                                              • Lacks luxury travel perks
                                                                                                                                              • Limited miles accrual
                                                                                                                                              • 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.

                                                                                                                                              PROMO: GET FREE 1NIGHT STAY AT FULLERTON HOTEL
                                                                                                                                              American Express Platinum Credit Card is a luxury card offering great deals (up to 50% off) on premium dining and lifestyle. S$1.60 spend earns 10 membership points or 5.5 miles.
                                                                                                                                              • Pros
                                                                                                                                                • Exclusive local privileges
                                                                                                                                                • Great local dining discounts and rewards on designer brands
                                                                                                                                                • Cons
                                                                                                                                                  • Lacks luxury travel perks
                                                                                                                                                  • Limited miles accrual
                                                                                                                                                  • 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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