Best Dining Credit Cards 2019

Eating well is one of the most central drivers of happiness in life, and it often involves dining out at restaurants and cafes. If you are looking for ways to make your meals more affordable, some of the dining credit cards we have reviewed below could be valuable in winning discounts and rewards at restaurants in Singapore and overseas.

Best Dining Credit Cards
Best for CashbackUOB OneUp to 5% flat rebate capped at S$300/quarter
Citi Cash BackUp to 8% rebate on dining & groceries
Best for MilesMB Horizon3.2 miles per S$1 on local food & transport
OCBC VoyageBoosted 1.6 miles per S$1 on local dining
Lower SpendersCiti SMRTUp to 5% rebate on food + EZ-Link, no minimum
MB F&FUp to 8% rebate on fast food in Singapore & Malaysia
Dining & EntertainmentHSBC Revolution2 miles per S$1 on food, entertainment & online
UOB YOLOUp to 8% rebate on dining, Grab & entertainment
Family & EssentialsOCBC 365Up to 6% rebates on dining & essentials, fee-waiver
HSBC V. Platinum5% rebate on local dining, groceries & petrol

Best Cashback Credit Cards for Dining

The following cards stand out not only for their high rebate rates on dining, but also for special dining deals & privileges.

Best Flat Rebate Card for Stable Spenders: UOB One Card

Consider this if you want to maximise your cash rebate and spend about S$2,000 per month

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Earn an additional 5% rebate (up to 10%) on Grab rides, food & top-ups
  • Receive up to 6% rebate on Singapore Power utilities bill
  • Receive up to S$150 cashback with S$1,500 spend in 1st month

If you regularly spend at least S2,000/month, you could potentially earn up to S$1,200/year with UOB One Card. Cardholders earn based on a tiered rebate system, based on their minimum spend within a quarter. Those with consistent S$2,000/month spend earn 5% cashback on all of purchases–including dining locally & overseas–up to S$300/quarter. Lower spenders earn 3.33% cashback up to S$50 or S$100/quarter (depending on spend level).

UOB One Card’s high flat rebate is great for earning on dining, but the card also comes with a few extra food-related perks. Cardholders earn up to an extra 10% rebate through the UOB SMART$ Programme. Every transaction with select vendors like BreadTalk, Cold Storage & more earns 1 SMART$ (equal to S$1), which can be used to offset future purchases. Even better, this spend also counts towards the monthly minimum. Another perk is access to “Epicurean Delights” via Dining Advisor, which offers discounts & freebies with restaurants, foodpanda, deliveroo and more. Ultimately, if you want top rebates on all of your spend–including when you dine out–UOB Card is the best option for you.

Read Our Full Review

  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate, up to S$300/quarter (S$2,000 min spend)
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programme
  • Up to 24% fuel savings with SPC, 20.8% with Shell
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate, up to S$300/quarter (S$2,000 min spend)
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programme
  • Up to 24% fuel savings with SPC, 20.8% with Shell

Best Rebate Card for Dining, Grocery & Petrol: Citi Cash Back Card

Consider this if you spend mostly on food and petrol

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • Up to S$120 cash rebate welcome gift

Citi Cash Back Card is the best card on the market if you want cashback on both food and petrol. Cardholders earn 8% cashback on dining, groceries, and petrol worldwide. These rates are higher than those offered by most competitors, and cardholders earn both locally and overseas. While there’s an S$888 minimum spend requirement, food and transport make up nearly half of the average consumer’s budget, so it’s fairly reasonable to achieve. In addition, cardholders can earn up to S$75/month total, which is one of the higher earning potentials on the market. Ultimately, Citi Cash Back Card is the perfect choice if you want top rates on food and transport.

Read Our Full Review

  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, & petrol (any station)
  • Up to 20.88% fuel savings at Esso & Shell
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, & petrol (any station)
  • Up to 20.88% fuel savings at Esso & Shell

Best No-Fee Cashback Card for Dining, Medical & Transport: CIMB Platinum MasterCard

CIMB Platinum Mastercard
CIMB Platinum Mastercard

Consider this if you want a specialised rebate credit card for dining, health & transport

Annual Income Requirement Singaporean & Singapore PR: S$30,000. Singaporean & Singapore PR, aged 55 years and above: S$15,000. Applicants who do not meet the minimum income requirement can submit a minimum Fixed Deposit Collateral of S$10,000
Foreigner Income Requirement N/A
Promotions:
  • Up to 10% off bookings with Expedia & Booking, 8% with Agoda

CIMB Platinum MasterCard is an excellent, no-fee cashback option for those who spend about S$200/month on dining. While this is not an especially high amount, cardholders earn a market-leading 10% rebate up to this level (dining rewards are capped at S$20/month). This is a perfect card if you are an occasional diner and also spend on these categories, which also earn a 10% rebate: medical, transport & petrol, travel spend in foreign currency, and transactions with select electronics and furnishings vendors.

Cumulatively, cardholders can earn up to S$100/month after an S$800 minimum monthly spend requirement. In addition, there's no annual fee, making CIMB Platinum MC an excellent option for those seeking top cashback rates for small-to-moderate dine-out budgets.

Read Our Full Review

  • Annual fee: Free
  • 10% cashback on medical, transport & petrol, dining, overseas travel & select electronics/furnishings vendors
  • CIMB 0% Interest i.Pay Instalment Plan
  • Annual fee: Free
  • 10% cashback on medical, transport & petrol, dining, overseas travel & select electronics/furnishings vendors
  • CIMB 0% Interest i.Pay Instalment Plan

Best Air Miles Credit Cards for Dining

Whether you’re a frequent traveller or simply want to earn miles, the following cards offer great ways to maximise miles rewards for dining spend.

Best Card for Earning Miles Locally: Maybank Horizon Visa Signature Card

Consider this if you want to maximise miles earned on dining and petrol

Annual Income Requirement S$50,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)

Maybank Horizon Visa Signature Card stands out for offering the highest local miles rate across all travel cards–more than doubling the rates offered by most competitors. Cardholders earn 3.2 miles per S$1 on local dining, petrol, taxis & Grab, and hotel bookings with Agoda. This makes it exceptionally easy to maximise earnings when you’re dining and driving within Singapore. Maybank Horizon Card offers a great travel & overseas rate too–every S$1 spend on air tickets, travel packages and in foreign currency earns 2 miles. Cardholders also enjoy free travel insurance and airport lounge access.

Maybank Horizon Card is especially great because of its easy fee waiver. While most travel cards charge S$250+ fees (with luxury cards reaching S$600+), Maybank Horizon Card’s S$180.0 fee is waived 3 years, and subsequently with just S$18,000 annual spend. That’s equal to about S$1,500/month, which is reasonable considering local food & transport make up nearly half of the average consumer’s budget. Overall, if you want no-fee miles for local dining, Maybank Horizon Card will make the most of your money.

Read Our Full Review

  • Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance
  • 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

Best Card for Flexible Miles Redemption: OCBC Voyage Card

Consider this if you want flexible miles redemption and dine out frequently

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000
Promotions:
  • Earn S$50 rebate w/ card approval
  • Up to 7% off worldwide hotel bookings with Agoda

OCBC Voyage Card is excellent for people with shifting travel schedules because of its flexible miles redemption policies and boosted local rewards rate (great for frequent travellers who may end up spending extended periods at home). Cardholders earn 1.2 miles per S$1 locally and 1.6 miles per S$1 on local dining–few traditional travel cards offer such a bump locally. Overseas spend also earns 2.4 miles per S$1, which is one of the higher rates on the market. All miles earned can be redeemed at any time with no black-out dates, without conversion fees, and with minimal processing time.

In addition to allowing travellers to make more of their dining spend when at home, OCBC Voyage Card stands out for its top-notch perks. Cardholders enjoy unlimited airport lounge access, free limo transfers and golfing privileges throughout SE Asia. Even more, the card comes with Voyage Exclusive discounts with up to 20% off at select high end restaurants both locally and abroad. While the card has a S$488 fee, its reflected in the top-notch perks and high rewards rates. Ultimately, if you’re a frequent traveller but enjoy dining out when at home, OCBC Voyage Card is one of the best options out there.

Read Our Full Review

  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.4 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
  • Up to 19% fuel savings with Caltex
  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.4 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
  • Up to 19% fuel savings with Caltex

Best Dining Credit Cards for Low Spenders

The following credit cards are great for low spenders because they have no minimum spend requirements or have an easy fee-waiver, plus high rates for dining spend.

Best Rebate Card for Young Professionals on a Budget: Citi SMRT Card

Consider this if you want to earn cashback on your daily commute on public transit

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • Up to S$120 cash rebate welcome gift

If you’re a young professional on a budget, Citi SMRT Card is the absolute option on the market–not only is there no minimum spend requirement (so you can begin earning immediately), there’s also high rates on everything from food & transit to entertainment. Cardholders earn up to 7% rebate on groceries, 5% on coffee, movies & fast food dining, 3% online and 2% on health & wellness. Citi SMRT Card is also EZ-Link compatible and offers 2% rebates on Auto Top-Ups.

While most rewards categories are merchant-restricted, the vendors are quite popular. Fast food dining, for example, includes McDonald’s, Pizza Hut, KFC, Starbucks, Subway, Burger King, Breadtalk and many more. If you also like to dine out at sit-down establishments, Citi SMRT Card offers discounts up to 50% with select restaurants through its Gourmet Pleasures programme. Overall, Citi SMRT Card is an excellent dining card for lower spenders because there’s no minimum spend and food rebate rates are quite high.

Read Our Full Review

  • Annual fee: S$192.6, 2-year waiver
  • Up to 7% rebate on groceries, 5% on fast food, movies & coffee, 3% online shopping, 2% on health & wellness
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • Up to 14% fuel savings with Esso & Shell
  • Annual fee: S$192.6, 2-year waiver
  • Up to 7% rebate on groceries, 5% on fast food, moves & coffee, 3% online shopping, 2% on health & wellness
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • Up to 14% fuel savings with Esso & Shell

Best Cashback Card for Spend in Singapore & Malaysia: Maybank Family & Friends MasterCard

Consider this if you spend a lot of time in both Singapore and Malaysia

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)

If you spend about S$500–S$1,500/month, Maybank Family & Friends Card offers a great way to maximise spend in Singapore & Malaysia. Cardholders earn 5% rebate on fast food, groceries, transport and more after just S$500 spend–or 8% with S$1,000 spend. Rebates are restricted to select vendors but they’re quite popular. For example, fast food alone includes foodpanda, KFC, McDonald’s and Pizza Hut; groceries includes Cold Storage, Giant, TESCO, NTUC Fairprices and many more.

Maybank Family & Friends Cardholders also have access to special lifestyle and dining privileges. These include discounts of up to 20% at all kinds of establishments, from bakeries to hotel restaurants and beyond. In addition, Maybank F&F Card’s S$180.0 fee is waived 3 years, then with just S$12,000 annual spend. Because of the low minimums and fee-waiver, this is a great card for lower spenders; the high rewards rates on fast food and restaurant discounts make it an excellent option for frequent diners.

Read Our Full Review

  • Annual fee: S$180.0, 3-year waiver, subsequently with S$12,000 annual spend
  • 8% rebate on groceries, transport, fast food, health & wellness with select merchants in Singapore & Malaysia, after S$1,000 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
  • Fuel savings up to 20.88% with select petrol merchants (inc. 8% rebate)
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$12,000 annual spend
  • 8% rebate on groceries, transport, fast food, health & wellness with select merchants in Singapore & Malaysia, after S$1,000 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
  • Fuel savings up to 20.88% with select petrol merchants (inc. 8% rebate)

Miles for Dining & Overseas: Standard Chartered Rewards+ Card

Standard Chartered Rewards+ Credit Card
Standard Chartered Rewards+ Credit Card

Consider this if you want a credit card for dining & foreign currency or overseas spending

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive up to S$80 cashback w/ approval
  • Receive up to S$68 cashback on electric bill w/ OEM sign-up w/ select retailers

If you currently have a specialised card, such as a shopper card, you may be earning base cashback rates as low as 0.3% on dining. With Standard Chartered Rewards+ Card, you can earn top rates on dining without worrying about minimum spend requirements. Cardholders earn 2.9 miles per S$1 overseas and 1.45 for dining, which is higher what’s offered by many alternatives. Earnings, however, are capped at just 8,000 miles/year (worth about S$80.0), so this card is best fit for smaller budgets. In fact, if you’re spending about S$250–S$350/month on dining, but are currently earning at base rate, SC Rewards+ Card can increase your earnings by almost 5x. If you’re looking for a supplementary dining card, this could be the right option for you.

Read Our Full Review

  • Annual fee: S$192.6, 1-year waiver
  • 10 pts (2.9 mi) per S$1 overseas, 5 pts (1.45 mi) on dining, 1 pt (0.29 mi) on general spend
  • Free travel insurance & Fullerton Hotel dining privileges
  • Up to 19.8% fuel savings with Caltex
  • Annual fee: S$192.6, 1-year waiver
  • 10 pts (2.9 mi) per S$1 overseas, 5 pts (1.45 mi) on dining, 1 pt (0.29 mi) on general spend
  • Free travel insurance & Fullerton Hotel dining privileges
  • Up to 19.8% fuel savings with Caltex

Best Credit Cards for Dining & Entertainment

Dining & entertainment often go hand-in-hand; these cards allow you to maximise rewards for both.

Best Miles Card for Local Dining & Entertainment: HSBC Revolution Card

Consider this if you spend mostly on shopping, dining and entertainment

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive Samsonite T5 68cm Spinner luggage or S$150 cashback

HSBC Revolution Card offers one of the best ways to earn miles locally. In fact, cardholders earn 2 miles per S$1 spend on local dining & entertainment, including everything from restaurants, cafes, and fast food outlets to clubs, pubs, bars, and more. Online spend is also rewarded 2 miles per S$1, and includes travel bookings, transit purchases and even bill pay–almost always excluded by alternative cards. Finally, HSBC Revolution Card comes with a fee-waiver; the S$160.5 fee is waived 2 years and then with just S$12,500 annual spend. Overall, HSBC Revolution Card is an excellent way to earn no-fee miles for local social spend.

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  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
  • Up to 20.2% fuel savings with Caltex, 14% with Shell
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
  • Up to 20.2% fuel savings with Caltex, 14% with Shell

Best Rebate Card for Social Weekend Spenders: UOB YOLO Card

Consider this if you are a young adult looking for discounts and perks on dining, entertainment and travel spending

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive up to S$150 cashback with S$1,500 spend in 1st month

UOB YOLO Card is the ideal card for social weekend spenders and comes with promotions specifically tailored to young adults. Cardholders earn up to 8% on dining, entertainment & Grab rides on weekends (3% on weekdays), as well as for online fashion and travel spend. There’s a S$600 minimum spend requirement, but this amount is fairly standard, and cardholders can earn up to S$60/month.

UOB YOLO Card stands out as a dining & entertainment card not only for its high rewards rate, but also for its promotions and privileges. Cardholders can enjoy 1-for-1 drink & dining specials, discounts at popular restaurants and merchants like deliveroo, and special privileges through Visa Foodie Trail. There are also plenty of entertainment perks, including annual parties featuring popular music artists, freebies at nightclubs, and discounted movie tickets. Overall, UOB YOLO Card is great for young adults with high social spend on weekends, with added dining perks.

Read Our Full Review

  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab, online travel & fashion (3% weekdays)
  • Free travel insurance
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab, online travel & fashion (3% weekdays)
  • Free travel insurance

Best Dining Credit Cards for Family & Essential Spend

The following credit cards not only stand out for their high dining rebates, but also for rewards on essentials, allowing you to consolidate your wallet.

Best No-Fee Rebate Card for Everyday Spend: OCBC 365 Card

Consider this if you are looking for a credit card for general day-to-day use

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Earn S$50 rebate w/ card approval
  • Receive S$40 cashback for sign-up w/ select electricity retailers

OCBC 365 Card is the absolute best no-fee rebate card on the market for everyday essentials. Cardholders earn up to 6% rebate on dining & online food delivery and 3% on groceries, travel bookings, land transport and recurring bills. Essentially, you can earn some of the highest rates for dining on the market, while also earning top rebates in a variety of spend categories. Even better, there are no merchant restrictions, which is rather rare amongst top dining cards.

It’s worth mentioning that OCBC 365 Card has a S$800 minimum spend requirement, which at first, may seem quite high. However, because of its flexibility, it’s easy to consolidate nearly all of your spend onto OCBC 365 Card, making this requirement much more reasonable. In addition, if you spend about S$833/month (S$10,000/year), you are exempt from the S$192.6 fee. Overall, OCBC 365 Card is a great no-fee option if you want high dining rates, but also want the convenience of a single card to reward nearly all of your spend.

Read Our Full Review

  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, Visa Signature Privileges
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, Visa Signature Privileges

Cashback + Miles for Dining, Groceries & Petrol: HSBC Visa Platinum Card

Consider this if you spend at least S$600/month and want to earn both cash rebates and miles

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive Samsonite T5 68cm Spinner luggage or S$150 cashback

HSBC Visa Platinum Card is one of the few cards on the market that allows consumers to earn both cashback and miles. Cardholders earn 5% rebate on local dining, groceries and petrol–key spend categories for most consumers–after S$600 spend. All other spend earns 0.4 miles per S$1, with no minimum requirement. Cardholders can earn up to S$250/quarter (about S$83/month), which is quite respectable, and the S$180.0 fee is waived with S$12,500 annual spend. Overall, if you want to earn both miles and cashback for spend on essentials like food & petrol, HSBC Visa Platinum Card is certainly worth considering.

Read Our Full Review

  • Annual fee: S$192.6, 2-year waiver, subsequently with S$12,500 annual spend
  • 5% cashback on local dining. groceries & petrol (up to S$250/quarter)
  • 0.4 miles per S$1 general spend, unlimited
  • Up to 21% fuel savings with Caltex, Shell (including 5% card rebate)
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$12,500 annual spend
  • 5% cashback on local dining & groceries (up to S$250/quarter)
  • 0.4 miles per S$1 general spend, unlimited
  • Up to 21% fuel savings with Caltex, Shell

High Rebate Rates for Essential Spend: POSB Everyday Card

POSB Everyday Card
POSB Everyday Card

Consider this if you are a busy homemaker who want to maximise savings on groceries, cosmetics, pharmaceutical, medical and petrol bills

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Receive S$120 cashback w/ S$800 spend in 2mo

POSB Everyday Card is an excellent all-in-one option for families and those with high spend on essentials. Cardholders earn up to 15% cashback on online food delivery & catering and 5% on dining & groceries–some of the highest food-related rates on the market, making POSB Everyday Card an excellent dining card option. In addition, cardholders earn 10% on taxis & overseas spend, 3% on wellness, and 1% on recurring bills. Most categories have a S$800 minimum requirement, but earnings are individually capped (rather than as an aggregate), allowing for a potential S$200+ in monthly rewards–unparalleled by alternative cards.

It’s worth mentioning that many of POSB Everyday Card’s categories are merchant restricted. Dining, online food delivery, and catering, however, are not–all spend in these categories earns rebate, regardless of vendor. In addition to this flexibility, cardholders also enjoy extra convenience as POSB Everyday Card is EZ-Link compatible. Overall, if you want an all-in-one card with especially high rates for dining, POSB Everyday Card could be the best option for you.

Read Our Full Review

  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 10% rebate on overseas spend
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • Up to 20.1% fuel savings with SPC, 10% on ComfortDelGro taxi rides
  • EZ-Link functionality
  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 10% rebate on overseas spend
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • Up to 20.1% fuel savings with SPC, 10% on ComfortDelGro taxi rides
  • EZ-Link functionality

Summary of Best Dining Credit Cards 2019

Below, we've prepared a summary of our picks for the best dining credit cards 2019.

CardBest for...Annual Fee
Citi Cash BackFood & TransportS$192.6
UOB OneBest Flat RebateS$192.6
Maybank HorizonMiles for Local SpendS$180.0 (waiver)
OCBC VoyageFlexible MilesS$488.0
Citi SMRTEZ-Link & Young ProfessionalsS$192.6
Maybank F&FSpend in Singapore & MalaysiaS$180.0 (waiver)
HSBC RevolutionSocial & Online SpendS$160.5 (waiver)
UOB YOLOWeekend Social SpendS$192.6
OCBC 365Everyday Spend, Easy WaiverS$192.6 (waiver)
CardBest for...Annual Fee
Citi Cash BackFood & TransportS$192.6
UOB OneBest Flat RebateS$192.6
Maybank HorizonMiles for Local SpendS$180.0 (waiver)
OCBC VoyageFlexible MilesS$488.0
Citi SMRTEZ-Link & Young ProfessionalsS$192.6
Maybank F&FSpend in Singapore & MalaysiaS$180.0 (waiver)
HSBC RevolutionSocial & Online SpendS$160.5 (waiver)
UOB YOLOWeekend Social SpendS$192.6
OCBC 365Everyday Spend, Easy WaiverS$192.6 (waiver)

Compare the Best Dining Credit Cards by Dollar Value

To help you find the best dining credit card in Singapore, we have prepared a chart below organizing dining credit cards by their 2-year dollar value*. We have estimated an average Singaporean's monthly expenditure patterns through research to model out likely savings from credit cards, assuming an average person spends S$2,000 every month. However, you should remember that this estimate is an approximate value based on an estimate of the average consumer's spending habits, and may differ in actual result depending on your unique set of expenditures.

A graph displaying how best dining credit cards compare to one another in terms of their rewards
Best Dining Credit Cards in Singapore by Estimated 2-Year Dollar Value

*ValueChampion calculates the dollar value of rewards based on S$2,000 of monthly spending. We sum the value of points, miles and cashback in dollar terms and subtract the annual fee over a 24-month period. The estimates here are ValueChampion's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Carrie Arndt

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

Comments and Questions

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