Best Credit Cards for Food Delivery 2022

For those who frequently use food delivery apps/services, our experts researched more than a hundred credit cards in Singapore to find the best credit cards for food delivery transactions. These cards offer individuals various benefits, rewards and rebates for their orders.

Best Cashback Credit Cards


Best Miles-Earning Credit Cards

Best Cashback Credit Cards


Best Miles-Earning Credit Cards

Best Cashback Credit Cards for Food Delivery Purchases

Consumers that are interested in receiving cash rebates for their online food deliver purchases, can earn some of the highest cashback rates with these cashback credit cards. These cards offer great rates for food delivery transactions, offering cardholders the chance to offset the cost of future food delivery expenses.

Top Grab Rebates: UOB One Credit Card

  • Up to 10% rebate on all spend, S$300/quarter
  • Promotions: Receive S$300 Cash via PayNow and win up to S$30,000 worth of prizes with UOB One Card
  • Promo Period: 22 Nov to 31 Dec 2022
  • Plus, apply for this product and score 3x entry into our Score Big Grand Lucky Draw, where you stand to win your share of over S$30,000 worth of exciting prizes!
  • Valid till 18 December 2022. Terms and Conditions apply.
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 5% rebate on general spend, up to S$200/quarter (S$2,000 min spend) with min 5 transactions/mo
  • Up to 10% on Grab, Shopee, Dairy Farm Singapore & select UOB travel, 1% 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 21.15% savings at Shell and 22.66% at SPC
The UOB One Credit Card offers great cashback potential for individuals that consistently spend S$2,000/month. To begin, this card offers 5% on general spend, which includes online purchases such as food delivery services, 10% on Grab & select UOB Travel, and 6% on utilities. earn on their cardholders 5% on all of their general spend. An additional benefit to this card is that individuals that spend less than S$2,000/month can still earn cashback on their purchases–albeit with lower rates and earnings caps–which makes this card more accessible to different consumers.


Despite not having the highest rate on this list, this credit card does offer the highest cashback cap of S$300/quarter (S$100/month), giving high spenders the best opportunity to earn the most cashback in comparison to other credit cards on this list. The UOB One card has an annual fee of S$192.6, which is waived for the first year, granting cardholders the chance to start earning immediate rewards. Overall, this credit card is great for individuals that consistently spend S$2,000/month, as they will earn the most rewards from their purchases.

  • Stand-Out: Up to 10% rebate on all spend, S$300/quarter
  • Promotions: Receive S$300 Cash via PayNow and win up to S$30,000 worth of prizes with UOB One Card
  • Promo Period: 22 Nov to 31 Dec 2022
  • Plus, apply for this product and score 3x entry into our Score Big Grand Lucky Draw, where you stand to win your share of over S$30,000 worth of exciting prizes!
  • Valid till 18 December 2022. Terms and Conditions apply.
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 5% rebate on general spend, up to S$200/quarter (S$2,000 min spend) with min 5 transactions/mo
  • Up to 10% on Grab, Shopee, Dairy Farm Singapore & select UOB travel, 1% 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 21.15% savings at Shell and 22.66% at SPC
The UOB One Credit Card offers great cashback potential for individuals that consistently spend S$2,000/month. To begin, this card offers 5% on general spend, which includes online purchases such as food delivery services, 10% on Grab & select UOB Travel, and 6% on utilities. earn on their cardholders 5% on all of their general spend. An additional benefit to this card is that individuals that spend less than S$2,000/month can still earn cashback on their purchases–albeit with lower rates and earnings caps–which makes this card more accessible to different consumers.


Despite not having the highest rate on this list, this credit card does offer the highest cashback cap of S$300/quarter (S$100/month), giving high spenders the best opportunity to earn the most cashback in comparison to other credit cards on this list. The UOB One card has an annual fee of S$192.6, which is waived for the first year, granting cardholders the chance to start earning immediate rewards. Overall, this credit card is great for individuals that consistently spend S$2,000/month, as they will earn the most rewards from their purchases.

Best Rebates for Everyday Spend: POSB Everyday Card:

POSB Everyday Card
POSB Everyday Card
  • Best for rebates in SG w/ S$800 min. spend
  • Promotions: No promotion currently being offered
  • Read Our Full Review
  • 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
  • 5% cash rebates on online shopping (Amazon, Lazada, Qoo10, Shopee, RedMart & iHerb)
  • 3% cash rebates on dining spend
  • 0.3% cash rebate on all other spend
  • DBS Payment Plan: pay 0% interest, up to 6 months
The POSB Everyday Credit Card is a great option for individuals that want to earn boosted rates on their everyday purchases. Cardholders can earn up to 10% on their foodpanda and Deliveroo purchases with just S$800 spend/month, which is one of the highest rates offered on this list for food delivery purchases. You also get 3% on all dining and 5% on Sheng Siong grocery purchases, which adds even more value across all food purchases. POSB Everyday Card also offers 3% at Watsons and 1% on recurring bills.


This card does have an annual fee of S$192.6 (waived for the first year), along with a low cashback earnings cap of S$15 per category (max total of S$30). Despite having lower cashback cap earnings rate, this credit card does offer rebates on a wide variety of categories, so consider this credit card if you make a wide variety of monthly purchases.

POSB Everyday Card
POSB Everyday Card
  • Stand-Out: Best for rebates in SG w/ S$800 min. spend
  • Promotions: No promotion currently being offered
  • Read Our Full Review
  • 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
  • 5% cash rebates on online shopping (Amazon, Lazada, Qoo10, Shopee, RedMart & iHerb)
  • 3% cash rebates on dining spend
  • 0.3% cash rebate on all other spend
  • DBS Payment Plan: pay 0% interest, up to 6 months
The POSB Everyday Credit Card is a great option for individuals that want to earn boosted rates on their everyday purchases. Cardholders can earn up to 10% on their foodpanda and Deliveroo purchases with just S$800 spend/month, which is one of the highest rates offered on this list for food delivery purchases. You also get 3% on all dining and 5% on Sheng Siong grocery purchases, which adds even more value across all food purchases. POSB Everyday Card also offers 3% at Watsons and 1% on recurring bills.


This card does have an annual fee of S$192.6 (waived for the first year), along with a low cashback earnings cap of S$15 per category (max total of S$30). Despite having lower cashback cap earnings rate, this credit card does offer rebates on a wide variety of categories, so consider this credit card if you make a wide variety of monthly purchases.

Best Card for Food & Transit: Maybank Family & Friends MasterCard:

  • Up to S$125/mo with just S$800/mo spend
  • Promotions: Get Samsonite Harts 68/25 Spinner worth S$550 when you apply for a new Maybank Credit Card and CreditAble and spend a min. of S$300 for each of the first two consecutive months upon approval (Limited to the first 4,500 approved applicants)
  • Foreigners are eligible for this promotion: Apply for a new Maybank Credit Card an charge a min. of S$350 for each of the first two consequtive months upon approval
  • Subsequent approved applicants will receive S$100 Cash Credit. Terms and Conditions apply
  • Read Our Full Review
  • Annual fee: S$180 (3 years fee waiver)
  • Up to 8% rebate on 5 preferred categories (dining & food delivery, groceries, retail, petrol discounts & online TV streaming)
  • Up to S$125 cashback per month with S$800 min spend
  • 0.3% rebate all other spend
The Maybank Family & Friends Credit Card is a great credit card for low-spenders that make frequent food & transportation transactions. If a cardholder spends a minimum of S$800, they can earn 8% on their dining (including food delivery), grocery, transport, data, and online TV streaming expenditures. Individuals that do not spend S$800/month, can still qualify for 5% rebate on the same categories with just S$500 monthly spend.


This credit card has an annual fee of S$180.0, which is waived for the first 3 years, and waived with S$12,000 annual spend for subsequent years. The option for a fee waiver with annual spend is quite an uncommon feature among similar credit cards. The earnings cap for this credit card is at S$80/month–one of the highest caps on this list. If a cardholder does not typically spend S$12,000 within a calendar year, they can still cover the cost of the annual fee by maxing out their cashback for just 3 months, which is just S$2400 total spend (S$240 cashback).

  • Stand-Out: Up to S$125/mo with just S$800/mo spend
  • Promotions: Get Samsonite Harts 68/25 Spinner worth S$550 when you apply for a new Maybank Credit Card and CreditAble and spend a min. of S$300 for each of the first two consecutive months upon approval (Limited to the first 4,500 approved applicants)
  • Foreigners are eligible for this promotion: Apply for a new Maybank Credit Card an charge a min. of S$350 for each of the first two consequtive months upon approval
  • Subsequent approved applicants will receive S$100 Cash Credit. Terms and Conditions apply
  • Read Our Full Review
  • Annual fee: S$180 (3 years fee waiver)
  • Up to 8% rebate on 5 preferred categories (dining & food delivery, groceries, retail, petrol discounts & online TV streaming)
  • Up to S$125 cashback per month with S$800 min spend
  • 0.3% rebate all other spend
TheMaybank Family & Friends Credit Card is a great credit card for low-spenders that make frequent dining & telecom transactions. If a cardholder spends a minimum of S$800, they can earn 8% on their dining (including food delivery), transport, data, and online TV streaming expenditures. Individuals that do not spend S$800/month, can still qualify for 5% rebate on the same categories with just S$500 monthly spend.


This credit card has an annual fee of S$180.0, which is waived for the first 3 years, and waived with S$12,000 annual spend for subsequent years. The earnings cap for this credit card is at S$80/month, one of the highest earnings caps on this list. If a cardholder does not typically spend S$12,000 within a calendar year, they can still cover the cost of the annual fee by maxing out their cashback for just 3 months, which is just S$2400 total spend (S$240 cashback).

Best Rebates for Social Weekend Spend: UOB EVOL Credit Card

  • 8% cashback on online & mobile contactless spend, 0.3% all other spend (max S$60/month)
  • Promotions: No promotion currently being offered
  • Promo Period: 22 Nov to 31 Dec 2022
  • Plus, apply for this product and score 3x entry into our Score Big Grand Lucky Draw, where you stand to win your share of over S$30,000 worth of exciting prizes!
  • Valid till 18 December 2022. Terms and Conditions apply.
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 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
If you are an individual who spends a majority of their budget online and with mobile pay apps such as Apple Pay or Google Pay, then the UOB EVOL Credit Card is a great option for you. Cardholders earn 8% on any purchases made online or with contactless payment apps, up to a monthly cap of S$20 in either category. You can also earn up to another S$20 at the general rate of 0.3%, for a total monthly rewards limit of S$60.


To qualify for this cashback, there is a minimum of S$600 monthly minimum spend that must be met, which is on the higher end in comparison to other credit cards on this list, but very achievable nonetheless. The EVOL Card offers a potential total of S$720 in annual cashback. Its annual fee of S$192.6 is waived for the first year, but if a cardholder maxes out their cashback, they will offset the fee many times over. Overall, this card offers great value for individuals who spend a majority of their budget on social weekend purchases.

  • Stand-Out: 8% cashback on online & mobile contactless spend, 0.3% all other spend (max S$60/month)
  • Promotions: No promotion currently being offered
  • Promo Period: 22 Nov to 31 Dec 2022
  • Plus, apply for this product and score 3x entry into our Score Big Grand Lucky Draw, where you stand to win your share of over S$30,000 worth of exciting prizes!
  • Valid till 18 December 2022. Terms and Conditions apply.
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 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
If you are an individual who spends a majority of their budget online and with mobile pay apps such as Apple Pay or Google Pay, then the UOB EVOL Credit Card is a great option for you. Cardholders earn 8% on any purchases made online or with contactless payment apps, up to a monthly cap of S$20 in either category. You can also earn up to another S$20 at the general rate of 0.3%, for a total monthly rewards limit of S$60.


To qualify for this cashback, there is a minimum of S$600 monthly minimum spend that must be met, which is on the higher end in comparison to other credit cards on this list, but very achievable nonetheless. The EVOL Card offers a potential total of S$720 in annual cashback. Its annual fee of S$192.6 is waived for the first year, but if a cardholder maxes out their cashback, they will offset the fee many times over. Overall, this card offers great value for individuals who spend a majority of their budget on social weekend purchases.

Best Dining & Grocery Card: OCBC 365 Card:

OCBC 365 Credit Card
OCBC 365 Credit Card
  • High travel & dining cashback plus exclusive travel deals
  • Promotions: No promotion currently being offered
  • Read Our Full Review
  • Annual fee: S$192.60 (automatic 2 years 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 Concierge Services
If you want a credit card that offers some of the highest cashback caps on your dining purchases & avoid paying an annual fee, consider the OCBC 365 Credit Card. With just S$800 minimum spend per month, cardholders can start to earn cashback on their purchases. For all dining & food delivery purchases (including GrabFood, Deliveroo, and Foodpanda), cardholders earn a fairly high 6% rebate. Grocery, land transport, recurring bills, and online travel earn a decent 3% rebate. These rebate categories have a shared earnings cap of S$80 per month, giving the cardholder the potential to earn a substantial amount in cashback.


Another benefit to this credit card is its achievable annual fee waiver. Just S$10,000 annual spend (approx. S$833/month) exempts a cardholder from paying the S$192.6 fee. With an S$800 minimum spend to qualify for cashback, S$833 per month is not much of an increase. Overall, if you are interested in earning cashback for your everyday spend, including food delivery, the OCBC 365 Card is a great choice for you.

OCBC 365 Credit Card
OCBC 365 Credit Card
  • Stand-Out: High travel & dining cashback plus exclusive travel deals
  • Promotions: No promotion currently being offered
  • Read Our Full Review
  • Annual fee: S$192.60 (automatic 2 years 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 Concierge Services
If you want a credit card that offers some of the highest cashback caps on your dining purchases, consider the OCBC 365 Credit Card. With just S$800 minimum spend, individuals can start to earn cashback on their purchases. For all dining & food delivery purchases (including GrabFood, Deliveroo, and Foodpanda), cardholders earn a fairly high 6% rebate. Grocery, land transport, recurring bills, and online travel earn a decent 3% rebate. These rebate categories have a shared earnings cap of S$80 per month, giving the cardholder the potential to earn a substantial amount in cashback.


Another benefit to this credit card is its achievable annual fee waiver. Just S$10,000 annual spend (approx. S$833/month) exempts a cardholder from paying the S$192.6 fee. With an S$800 minimum spend to qualify for cashback, S$833 per month is not much of an increase. Overall, if you are interested in earning cashback for your everyday spend, including food delivery, the OCBC 365 Card is a great choice for you.

Best Card for Digital & FX Transactions: OCBC Frank Credit Card

OCBC FRANK Credit Card
OCBC FRANK Credit Card
  • 6% rebate on FX, online, and mobile purchases after just S$600 monthly spend
  • Promotions: No promotion currently being offered
  • Read Our Full Review
  • Annual fee: S$80 (waived for two years)
  • Automatic annual fee waiver with min annual spend of S$10,000
  • 6% rebate on online and app spend
  • 6% rebate on mobile contactless payments (Apple Pay, Samsung Pay, Google Pay, Garmin Pay and Fitbit Pay)
  • 6% rebate on foreign currency spend
  • 0.3% cashback on all other spend
  • Monthly cashback capped at S$75
The OCBC Frank Credit Card is a great choice for low-spending consumers who want to earn rewards for their digital purchases. With just S$600 minimum spend, one of the lowest requirements on this list, cardholders can begin to earn 6% on their online purchases (including food delivery) & 6% on their FX and mobile contactless transactions. What makes this credit card even better is that cardholders can still earn rewards on these categories even if they can not meet the minimum spend requirement. A 0.3% rate is applied to all purchases, including those in the boosted rate categories if the cardholder does not meet the minimum spend requirement.


This credit card has a low annual fee of S$80, which is waived for the first 2 years, and subsequently waived with S$10,000 annual spend. Each spend category listed above has a maximum earnings cap of S$25, which means a cardholder can earn a total of S$75 cashback each month. Overall, this card offers low-spending consumers an opportunity to start earning on their purchases at a much lower minimum threshold than other credit cards.

OCBC FRANK Credit Card
OCBC FRANK Credit Card
  • Stand-Out: 6% rebate on FX, online, and mobile purchases after just S$600 monthly spend
  • Promotions: No promotion currently being offered
  • Read Our Full Review
  • Annual fee: S$80 (waived for two years)
  • Automatic annual fee waiver with min annual spend of S$10,000
  • 6% rebate on online and app spend
  • 6% rebate on mobile contactless payments (Apple Pay, Samsung Pay, Google Pay, Garmin Pay and Fitbit Pay)
  • 6% rebate on foreign currency spend
  • 0.3% cashback on all other spend
  • Monthly cashback capped at S$75
The OCBC Frank Credit Card is a great choice for low-spending consumers who want to earn rewards for their digital purchases. With just S$600 minimum spend, one of the lowest requirements on this list, cardholders can begin to earn 6% on their online purchases (including food delivery) & 6% on their FX and mobile contactless transactions. What makes this credit card even better is that cardholders can still earn rewards on these categories even if they can not meet the minimum spend requirement. A 0.3% rate is applied to all purchases, including those in the boosted rate categories if the cardholder does not meet the minimum spend requirement.


This credit card has a low annual fee of S$80, which is waived for the first 2 years, and subsequently waived with S$10,000 annual spend. Each spend category listed above has a maximum earnings cap of S$25, which means a cardholder can earn a total of S$75 cashback each month. Overall, this card offers low-spending consumers an opportunity to start earning on their purchases at a much lower minimum threshold than other credit cards.

Best Miles-Earning Credit Cards for Food Delivery Transactions

For individuals who prefer earning miles instead of cashback/rebates, below is a list of credit cards that offer some of the best mile rates for food delivery related purchases. For frequent fliers, these credit cards are a great way to quickly accrue miles that can be used towards future travel expenditures.

Best Miles Card for Online & Shopping: CITI Rewards Card

  • Annual fee: S$192.60 (first year- waived)
  • 4 miles (10X Rewards) per S$1 offline fashion shopping and department stores
  • 4 miles (10X Rewards) per S$1 online (inc. food delivery, online grocery & ride-hailing services)
  • 1X reward point for every S$1 on all other spending
  • No minimum spend required
  • Rewards points conversion rates: 4,400 points = S$10 cash rebate, 25,000 points = 10,000 miles
  • 10X rewards are capped at 10,000 pts per month
  • 10X rewards excludes travel purchases online and non-fashion purchases offline
The Citi Rewards Credit Card is a great choice for individuals that want to earn miles on their online transactions. For every S$1 that is spent online, including food delivery purchases, cardholders earn a substantial 4 miles, which is among the highest miles rates on this list. There is no minimum spend required to start earning miles, so you can start earning on your GrabFood, Deliveroo, Foodpanda, etc. purchases immediately. Along with earnings for online spend, cardholders also earn 4 miles/S$1 spend on their fashion retail purchases.


This card does have an annual fee of S$192.50, which is waived for the first year. As for miles earnings, this card has a 4,000 mile cap per month (approx. S$40), which is about average for credit cards of this type. This cap is not category specific, which means cardholders can earn continuous miles on their delivery expenditures.

  • Stand-Out: Up to 4mi/S$1 spend on fashion retail & all online spend
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 4 miles (10X Rewards) per S$1 offline fashion shopping and department stores
  • 4 miles (10X Rewards) per S$1 online (inc. food delivery, online grocery & ride-hailing services)
  • 1X reward point for every S$1 on all other spending
  • No minimum spend required
  • Rewards points conversion rates: 4,400 points = S$10 cash rebate, 25,000 points = 10,000 miles
  • 10X rewards are capped at 10,000 pts per month
  • 10X rewards excludes travel purchases online and non-fashion purchases offline
The Citi Rewards Credit Card is a great choice for individuals that want to earn miles on their online transactions. For every S$1 that is spent online, including food delivery purchases, cardholders earn a substantial 4 miles, which is among the highest miles rates on this list. There is no minimum spend required to start earning miles, so you can start earning on your GrabFood, Deliveroo, Foodpanda, etc. purchases immediately. Along with earnings for online spend, cardholders also earn 4 miles/S$1 spend on their fashion retail purchases.


This credit card does have an annual fee of S$192.50, which is waived for the first year. As for miles earnings, this card has a 4,000 mile cap per month (approx. S$40). This cap is not category specific, which means cardholders can earn continuous miles on their delivery expenditures.

Best Card for SIA Loyalists +Luxury Perks: American Express Singapore Airlines KrisFlyer Ascend Card

  • Access to Hilton Honors Silver & Krisflyer Elite Gold status
  • Promotions: Receive up to 27,000 KrisFlyer Miles
  • Receive 20,800 KrisFlyer miles with min. spending of S$1,000 within the first month of Card approval + Receive 5,000 KrisFlyer miles upon first transaction on card (for first-time American Express Singapore Airlines Credit Card applicants) + Earn 1,200 KrisFlyer miles based on the S$1,000 spending above (based on 1.2 KrisFlyer miles per S$1 spent locally)
  • A min. spend of S$1,000 must be made within first month of card approval
  • Promotion valid only for new card members
  • Promotion period: 1 - 30 November 2022
  • Read Our Full Review
  • Annual fee: S$337.05
  • 1.2 miles per S$1 local & overseas spend, 2 miles overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.2 miles per S$1 spend on Grab transactions (up to 640 mi/mo)
  • 4 free lounge visits/year, free annual hotel night, travel insurance
  • Access to Hilton Honors Silver & Krisflyer Elite Gold status
The Amex SIA KrisFlyer Ascend Credit Card is a valuable mile-earning card for seasonal travelers who want to have access to luxury perks. With this credit card, consumers can earn 1.2 miles/S$1 spent locally & overseas (2 miles/S$1 spent overseas in June & December). Additionally, cardholders can enjoy 2 miles/S$1 spent with SIA brands, and 3.2 miles/S$1 spent on Grab transactions (including GrabFood, Deliveroo, and Foodpanda). While these rates are similar to the Amex SIA KrisFlyer card, the Amex SIA KrisFlyer Ascend card offers luxury benefits. These include 4 free lounge visits worldwide, and an annual free hotel night.


This credit card has an annual fee of S$337.05, which is the highest annual fee on this list, however, considering the value of the luxury perks associated with this credit card, the annual fee is quite worth it. There is no earnings cap to the amount of miles a cardholder can earn, with the exception of Grab/food delivery transactions, which are capped at 640 miles/month. This means that high-spending individuals will be able to earn limitless miles each month on their purchases. Overall, this is a solid miles-earning credit card that offers individuals unmatched luxury perks.

  • Stand-Out: Up to 4mi/S$1 spend on fashion retail & all online spendUnlimited lounge access, free travel insurance & bonus hotel nightsUp to 8% cashback on groceries & petrol, 6% on dining5% everyday rebates w/S$500 min spendEarn 2mi/S$1 overseas, 2 free lounge visits/yrMiles for student spend + foodie perks
  • Promotions: Receive up to 27,000 KrisFlyer Miles
  • Receive 20,800 KrisFlyer miles with min. spending of S$1,000 within the first month of Card approval + Receive 5,000 KrisFlyer miles upon first transaction on card (for first-time American Express Singapore Airlines Credit Card applicants) + Earn 1,200 KrisFlyer miles based on the S$1,000 spending above (based on 1.2 KrisFlyer miles per S$1 spent locally)
  • A min. spend of S$1,000 must be made within first month of card approval
  • Promotion valid only for new card members
  • Promotion period: 1 - 30 November 2022
  • Read Our Full Review
  • Annual fee: S$337.05
  • 1.2 miles per S$1 local & overseas spend, 2 miles overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.2 miles per S$1 spend on Grab transactions (up to 640 mi/mo)
  • 4 free lounge visits/year, free annual hotel night, travel insurance
  • Access to Hilton Honors Silver & Krisflyer Elite Gold status
The Amex SIA KrisFlyer Ascend Credit Card is a valuable mile-earning card for seasonal travelers who want to have access to luxury perks. With this credit card, consumers can earn 1.2 miles/S$1 spent locally & overseas (2 miles/S$1 spent overseas in June & December). Additionally, cardholders can enjoy 2 miles/S$1 spent with SIA brands, and 3.2 miles/S$1 spent on Grab transactions (including GrabFood, Deliveroo, and Foodpanda). While these rates are similar to the Amex SIA KrisFlyer card, the Amex SIA KrisFlyer Ascend card offers luxury benefits. These include 4 free lounge visits worldwide, and an annual free hotel night.


This credit card has an annual fee of S$337.05, which is the highest annual fee on this list, however, considering the value of the luxury perks associated with this credit card, the annual fee is quite worth it. There is no earnings cap to the amount of miles a cardholder can earn, with the exception of Grab/food delivery transactions, which are capped at 640 miles/month. This means that high-spending individuals will be able to earn limitless miles each month on their purchases. Overall, this is a solid miles-earning credit card that offers individuals unmatched luxury perks.

Best Card for Lower Budget SIA Travelers: Amex Singapore Airlines Krisflyer Credit Card

  • Earn rewards for SIA spend, no transfer fees or processing times
  • Promotions: Receive up to 17,000 KrisFlyer Miles
  • 10,900 KrisFlyer Miles (min spend of S$1,000) + 5,000 KrisFlyer Miles (for first transaction for first-time AMEX Singapore Airlines Credit Card applicants) + 1,100 KrisFlyer Miles (based on 1.1 KrisFlyer Miles per S$1 spent for the S$1,000 spend above
  • A min. spend of S$1,000 must be made within first month of card approval
  • Promotion valid only for new card members
  • Promotion period: 1 - 30 November 2022
  • Read Our Full Review
  • Annual fee: S$176.55 (first year- waived)
  • 1.1 miles per S$1 local & overseas spend, 2 mi overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.1 miles per S$1 spend on Grab transactions (up to 620 mi/mo)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
The Amex Singapore Airlines Krisflyer Credit Card offers great rewards for consumers who frequently spend on grab & SingaporeAirline brands. Cardholders can earn 3.1 miles/S$1 on Grab purchases and 2 miles/S$1 spent on SIA brands (SingaporeAir online & app, SilkAir, Krishop in-flight & online). Additionally, 1.1 miles are earned for every S$1 spent locally and overseas (2 miles/S$1 spent overseas in June & December), which is among the highest earning rates for miles cards on this list.


This card has an annual fee of S$176.55, which is waived for the first year. There is no cap to the amount of miles that a cardholder can earn, except for the miles earned on Grab transactions (capped at 620 miles/month). This provides a great opportunity for individuals who frequently fly with Singapore Airlines, as there is no limit to the amount of monthly miles they can earn on SIA purchases. Overall, this credit card provides value for consumers who enjoy earning miles to cashback on all of their spend.

  • Stand-Out: Earn rewards for SIA spend, no transfer fees or processing times
  • Promotions: Receive up to 17,000 KrisFlyer Miles
  • 10,900 KrisFlyer Miles (min spend of S$1,000) + 5,000 KrisFlyer Miles (for first transaction for first-time AMEX Singapore Airlines Credit Card applicants) + 1,100 KrisFlyer Miles (based on 1.1 KrisFlyer Miles per S$1 spent for the S$1,000 spend above
  • A min. spend of S$1,000 must be made within first month of card approval
  • Promotion valid only for new card members
  • Promotion period: 1 - 30 November 2022
  • Read Our Full Review
  • Annual fee: S$176.55 (first year- waived)
  • 1.1 miles per S$1 local & overseas spend, 2 mi overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.1 miles per S$1 spend on Grab transactions (up to 620 mi/mo)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
The Amex Singapore Airlines Krisflyer Credit Card offers great rewards for consumers who frequently spend on grab & SingaporeAirline brands. Cardholders can earn 3.1 miles/S$1 on Grab purchases and 2 miles/S$1 spent on SIA brands (SingaporeAir online & app, SilkAir, Krishop in-flight & online). Additionally, 1.1 miles are earned for every S$1 spent locally and overseas (2 miles/S$1 spent overseas in June & December), which is among the highest earning rates for miles cards on this list.


This card has an annual fee of S$176.55, which is waived for the first year. There is no cap to the amount of miles that a cardholder can earn, except for the miles earned on Grab transactions (capped at 620 miles/month). This provides a great opportunity for individuals who frequently fly with Singapore Airlines, as there is no limit to the amount of monthly miles they can earn on SIA purchases. Overall, this card provides value for consumers who enjoy earning miles to cashback on all of their spend.

Best Miles Card for Travel & General Spend: UOB Krisflyer Credit Card

  • Boosted everyday miles w/ SIA perks & privileges
  • Promotions: Receive up to 32,000 miles and win up to S$30,000 worth of prizes with KrisFlyer UOB Credit Card
  • Promo period: 22 Nov - 31 Dec 2022
  • Plus, apply for this product and score 3x entry into our Score Big Grand Lucky Draw, where you stand to win your share of over S$30,000 worth of exciting prizes!
  • Valid till 18 December 2022. Terms and Conditions apply
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived
  • 3.0 KF miles/S$1 on spend with SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3.0 KF miles/S$1 on dining & food delivery, online shopping & travel and transport–with min. S$500 annual spend on SIA brands
  • 1.2 KrisFlyer miles/S$1 on general spend, locally & overseas
  • 10,000 annual bonus renewal miles
The Krisflyer UOB Credit Card is a great miles-earning card for SIA consumers. Cardholders earn 3 miles/S$1 spent on dining, transport, online shopping, travel bookings, and SIA brands. In addition to this, cardholders can earn 1.2 miles/S$1 spent for general purchases. In comparison to other mile-earning credit cards on this list, the Krisflyer card offers 1 less mile for every S$1 spent on food delivery purchases, however it does offer 3X the miles for general spend. Essentially, the Krisflyer card offers miles for practically all purchases, including those that do not qualify for the other miles-earning cards.


This card has an annual fee of S$192.60, which is waived for the first year. Upon renewal of the credit card, cardholders are given 10,000 miles (approx. S$100 worth). In order to qualify for miles, an individual must spend a minimum of just S$500/yr on SIA brands. Overall, this credit card is a great option for individuals who frequently make SIA expenditures, and want to earn miles on almost all of their purchases.

  • Stand-Out: Boosted everyday miles w/ SIA perks & privileges
  • Promotions: Receive up to 32,000 miles and win up to S$30,000 worth of prizes with KrisFlyer UOB Credit Card
  • Promo period: 22 Nov - 31 Dec 2022
  • Plus, apply for this product and score 3x entry into our Score Big Grand Lucky Draw, where you stand to win your share of over S$30,000 worth of exciting prizes!
  • Valid till 18 December 2022. Terms and Conditions apply
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived
  • 3.0 KF miles/S$1 on spend with SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3.0 KF miles/S$1 on dining & food delivery, online shopping & travel and transport–with min. S$500 annual spend on SIA brands
  • 1.2 KrisFlyer miles/S$1 on general spend, locally & overseas
  • 10,000 annual bonus renewal miles
The Krisflyer UOB Credit Card is a great miles-earning card for SIA consumers. Cardholders earn 3 miles/S$1 spent on dining, transport, online shopping, travel bookings, and SIA brands. In addition to this, cardholders can earn 1.2 miles/S$1 spent for general purchases. In comparison to other mile-earning credit cards on this list, the Krisflyer card offers 1 less mile for every S$1 spent on food delivery purchases, however it does offer 3X the miles for general spend. Essentially, the Krisflyer card offers miles for practically all purchases, including those that do not qualify for the other miles-earning cards.


This card has an annual fee of S$192.60, which is waived for the first year. Upon renewal of the card, cardholders are given 10,000 miles (approx. S$100 worth). In order to qualify for miles, an individual must spend a minimum of just S$500/yr on SIA brands. Overall, this credit card is a great option for individuals who frequently make SIA expenditures, and want to earn miles on almost all of their purchases.

Best Local Dining, Entertainment & Online Card: HSBC Revolution

  • Up to 4mi/SGD for contactless payment
  • Promotions: Receive S$200 cashback when you make min. S$500 spend upon card approval. Valid till 31 Dec 2022. T&Cs apply
  • Supplementary card promo: Get up to S$150 cashback when you apply for supplementary cards. This promotion is not valid in conjunction with other HSBC supplementary credit card sign up gift promotions. Valid till 31 Dec 2022
  • Read Our Full Review
  • No annual fee
  • Earn up to 4 miles, equivalent to up to 10X reward points or up to 2.5% cashback for every S$1 spent
  • Points can be redeemed for miles through Mileage Programme in blocks of 10,000 Points for 4,000 miles
  • Receive complimentary access to the ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide
The HSBC Revolution card is a great option for individuals that shop local & online. With absolutely no minimum spend requirement to start earning, cardholders can earn 2 miles/S$1 spent on local dining & entertainment, and online purchases. An added benefit is that this card is one of the only credit cards on this list that does not have a monthly earnings limit, so individuals with high budgets can benefit greatly from this card. Included in eligible online spend is food delivery, travel bookings, recurring bills, and transit payments, which gives cardholders even more opportunity to earn on their expenditures.


This credit card has an annual fee of S$160.50 (waived for the first 2 years). Individuals that spend at least S$1,050/month will benefit even more from this card as they will meet the S$12,500 minimum annual spend required to waive the annual fee for subsequent years. Additionally, miles earned on transit Top-Ups are the only category with a monthly earnings cap (400 miles). Overall, the HSBC Revolution Credit Card offers great value to individuals who prefer unlimited mile-earning rewards on their online & local dining expenditures.

  • Stand-Out: Up to 4mi/SGD for contactless payment
  • Promotions: Receive S$200 cashback when you make min. S$500 spend upon card approval. Valid till 31 Dec 2022. T&Cs apply
  • Supplementary card promo: Get up to S$150 cashback when you apply for supplementary cards. This promotion is not valid in conjunction with other HSBC supplementary credit card sign up gift promotions. Valid till 31 Dec 2022
  • Read Our Full Review
  • No annual fee
  • Earn up to 4 miles, equivalent to up to 10X reward points or up to 2.5% cashback for every S$1 spent
  • Points can be redeemed for miles through Mileage Programme in blocks of 10,000 Points for 4,000 miles
  • Receive complimentary access to the ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide
The HSBC Revolution card is a great option for individuals that shop local & online. With absolutely no minimum spend requirement to start earning, cardholders can earn 2 miles/S$1 spent on local dining & entertainment, and online purchases. An added benefit is that this card is one of the only credit cards on this list that does not have a monthly earnings limit, so individuals with high budgets can benefit greatly from this card. Included in eligible online spend is food delivery, travel bookings, recurring bills, and transit payments, which gives cardholders even more opportunity to earn on their expenditures.


This credit card has an annual fee of S$160.50 (waived for the first 2 years). Individuals that spend at least S$1,050/month will benefit even more from this card as they will meet the S$12,500 minimum annual spend required to waive the annual fee for subsequent years. Additionally, miles earned on transit Top-Ups are the only category with a monthly earnings cap (400 miles). Overall, the HSBC Revolution Credit Card offers great value to individuals who prefer unlimited mile-earning rewards on their online & local dining expenditures.

Best Miles Card for Online & Contactless Spend: UOB Preferred Platinum Credit Card

UOB Preferred Platinum Visa Card
UOB Preferred Platinum Visa Card
  • Up to 4k miles/month for online & mobile spend
  • Promotions: No promotion currently being offered
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 4 miles (2 UNI$) per S$1 online & mobile contactless spend
  • UOB SMART$ Rebate Programme
  • UOB Dining & Year-Round Privileges
For cardholders who want to earn miles for their online & mobile contactless spend, consider the UOB Preferred Platinum Credit Card. Cardholders can earn 4 miles/S$1 for various types of online spend, including online food delivery services. Additionally, this credit card offers 4 miles/S$1 for all mobile contactless spend (excluding Visa payWave), and 0.4 miles on all other spend. Cardholders are also given access to UOB’s SMART$ Programme, which provides cashback opportunities at over 300 outlets in SG.


This card has an annual fee of S$192.60, which is waived for the first year. Miles earnings are capped at 4,000 miles per month (equivalent to S$40), which is relatively average in comparison to other earnings caps on this list. Overall, this credit card offers great value for digital-friendly consumers who prefer miles to cashback or rebates.

UOB Preferred Platinum Visa Card
UOB Preferred Platinum Visa Card
  • Stand-Out: Up to 4k miles/month for online & mobile spend
  • Promotions: No promotion currently being offered
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 4 miles (2 UNI$) per S$1 online & mobile contactless spend
  • UOB SMART$ Rebate Programme
  • UOB Dining & Year-Round Privileges
For cardholders who want to earn miles for their online & mobile contactless spend, consider the UOB Preferred Platinum Credit Card. Cardholders can earn 4 miles/S$1 for various types of online spend, including online food delivery services. Additionally, this card offers 4 miles/S$1 for all mobile contactless spend (excluding Visa payWave), and 0.4 miles on all other spend. Cardholders are also given access to UOB’s SMART$ Programme, which provides cashback opportunities at over 300 outlets in SG.


This card has an annual fee of S$192.60, which is waived for the first year. Miles earnings are capped at 4,000 miles per month (equivalent to S$40), which is relatively average in comparison to other earnings caps on this list. Overall, this card offers great value for digital-friendly consumers who prefer miles to cashback or rebates.

Other Ways to Save on Food Delivery

Check out our page on the latest food delivery promo codes in Singapore. These codes allow you to get various such as order discounts, free delivery, etc on your food delivery purchases. If you are looking for credit cards that offer similar, but broader, benefits, take a look at our list of the best dining credit cards and the best credit cards for online shopping. These are some of the best cards on the market that may be better suited for your spending behaviour.

Read More:

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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