Best Dining Credit Cards 2020

If you frequently dine at restaurants and cafes–locally or overseas–you can easily make your meals more affordable with the right dining credit card. After analysing 100+ of Singapore's most competitive cards, we've identified those with the highest dining rewards rates overall as well as with great restaurant discounts & privileges.

Best Miles Credit Cards for Dining
Best Cashback Credit Cards for Dining
Best Dining Credit Cards with No Annual Fee
Best Dining Credit Cards for Young Adults
  • UOB YOLO: Up to 8% rebate on weekend dining, entertainment & Grab
  • Citi SMRT: Everyday rebates + no minimum spend requirement
  • SC Rewards+: 2.9 miles per S$1 overseas, 1.45 for dining
  • Citi Lazada: Up to 4.8 miles per S$1 spend on Lazada

Compare Best Dining Credit Cards by Dollar Value

Based on an average monthly spend of S$2,000, we analysed the best dining 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 dining credit cards compare to one another in terms of their rewards
Best Dining Credit Cards in Singapore by Estimated 2-Year Dollar Value
Best Miles Credit Cards for Dining Best Cashback Credit Cards for Dining Best Dining Credit Cards with No Annual Fee Best Dining Credit Cards for Young Adults

Compare Best Dining Credit Cards by Dollar Value

Based on an average monthly spend of S$2,000, we analysed the best dining 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 dining credit cards compare to one another in terms of their rewards
Best Dining Credit Cards in Singapore by Estimated 2-Year Dollar Value

Best Dining Credit Cards for Air Miles

If you want to earn top miles rates on dining locally and overseas, consider these cards.

Maybank Horizon Visa Signature: Top Miles for Local Dining

  • Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • 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
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.

  • Stand-Out: Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • 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
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.

American Express Singapore Airlines Krisflyer Card: Boosted Miles at McDonald's, Starbucks & More

American Express Singapore Airlines KrisFlyer Credit Card
American Express Singapore Airlines KrisFlyer Credit Card
  • Up to 13k+ bonus miles w/ S$5k spend in 3mo
  • Promotions: Spend S$5k in 1st 3mo, receive 7,500 bonus miles
  • 5,000 bonus miles w/ 1st spend
  • S$150 cash credit w/ Singapore Airlines after S$12k spend
  • Read Our Full Review
  • Annual fee: S$176.55, 1-year waiver
  • 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 select merchants (Grab, McDonald's, Starbucks & more)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
If you frequently order food delivery or pick up fast food, you can earn miles with American Express Singapore Airlines KrisFlyer Card at some of the highest rates on the market. Spend at McDonald's, Subway, Starbucks, Deliveroo, Foodpanda and more earns an incredible 3.1 miles per S$1, up to 620 miles/month (achieved with S$200 spend).


Beyond dining, Amex SIA KF Card also rewards consumers with 1.1 miles per S$1 on general spend (2 miles overseas in June & December), 2 miles with SIA brands, and 3.1 miles on Grab rides (also up to 620 miles/month). Cardholders can also earn 13,000+ welcome miles with S$5k spend in the 1st 3 months, which is quite reasonable for the average consumer. The S$176.55 fee is waived the 1st year as well. Ultimately, Amex SIA KF Card is an excellent option for consumers seeking miles for dining spend plus accessible bonus miles.

American Express Singapore Airlines KrisFlyer Credit Card
American Express Singapore Airlines KrisFlyer Credit Card
  • Stand-Out: Up to 13k+ bonus miles w/ S$5k spend in 3mo
  • Promotions: Spend S$5k in 1st 3mo, receive 7,500 bonus miles
  • 5,000 bonus miles w/ 1st spend
  • S$150 cash credit w/ Singapore Airlines after S$12k spend
  • Read Our Full Review
  • Annual fee: S$176.55, 1-year waiver
  • 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 select merchants (Grab, McDonald's, Starbucks & more)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
If you frequently order food delivery or pick up fast food, you can earn miles with American Express Singapore Airlines KrisFlyer Card at some of the highest rates on the market. Spend at McDonald's, Subway, Starbucks, Deliveroo, Foodpanda and more earns an incredible 3.1 miles per S$1, up to 620 miles/month (achieved with S$200 spend).


Beyond dining, Amex SIA KF Card also rewards consumers with 1.1 miles per S$1 on general spend (2 miles overseas in June & December), 2 miles with SIA brands, and 3.1 miles on Grab rides (also up to 620 miles/month). Cardholders can also earn 13,000+ welcome miles with S$5k spend in the 1st 3 months, which is quite reasonable for the average consumer. The S$176.55 fee is waived the 1st year as well. Ultimately, Amex SIA KF Card is an excellent option for consumers seeking miles for dining spend plus accessible bonus miles.

OCBC Voyage: Higher Miles for Local Dining

OCBC Voyage Card
OCBC Voyage Card
  • Flexible miles redemption, boosted rewards for local dining
  • Promotions: Receive 15,000 annual bonus miles
  • 4th hotel night free at select hotels
  • 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
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.

OCBC Voyage Card
OCBC Voyage Card
  • Stand-Out: Flexible miles redemption, boosted rewards for local dining
  • Promotions: Receive 15,000 annual bonus miles
  • 4th hotel night free at select hotels
  • 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
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.

Best Cashback Credit Cards for Dining

These cards stand out both for high rebate rates as well as special dining deals & privileges.

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

  • Best for Rebates in SG & MY w/ S$500 min. spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on dining, groceries, transport, petrol & online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
Maybank Family & Friends Card offers a great way for average consumers–and even lower spenders–to maximise spend in Singapore & Malaysia. Cardholders earn 5% rebate on dining, groceries, transport, petrol and data communications/online TV streaming (& more) after just S$500 spend. Those who spend S$800 earn 8% cashback. Rebates aren't restricted by vendors for the most part, but are limited to spend in Singapore & Malaysia. Overseas purchases earn just 0.3% cashback.


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 dining and restaurant discounts make it an excellent option for frequent diners.

  • Stand-Out: Rebates of up to 8% in SG & MY w/ just S$500–800 spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on dining, groceries, transport, petrol & online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
Maybank Family & Friends Card offers a great way for average consumers–and even lower spenders–to maximise spend in Singapore & Malaysia. Cardholders earn 5% rebate on dining, groceries, transport, petrol and data communications/online TV streaming (& more) after just S$500 spend. Those who spend S$800 earn 8% cashback. Rebates aren't restricted by vendors for the most part, but are limited to spend in Singapore & Malaysia. Overseas purchases earn just 0.3% cashback.


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 dining and restaurant discounts make it an excellent option for frequent diners.

POSB Everyday Card: Rebates on Essentials + SimplyGo

  • Promotional rebates of up to 15% in key spend categories
  • Promotions: Receive S$120 cashback w/ S$800 spend in 2mo
  • 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
  • 15% rebate with select merchants for parking & public transit
  • 5% rebate on select taxis & ride-hailing services
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • SimplyGo/ABT capabilities for public transit fares
POSB Everyday Card is an excellent all-in-one option for families and those with high spend on essentials. While promotional rates vary, cardholders can typically earn up to 15% cashback on categories such as online food delivery, dining, groceries, transport, personal care and recurring bills. Some, but not all, of these spend areas are usually merchant-restricted. However, POSB Everyday Card is still very convenient as it has ABT capabilities, allowing consumers to use it for contactless payment of public transit fares. Overall, if you want an all-in-one card that consistently offers high rates for dining, POSB Everyday Card could be the best option for you.
  • Stand-Out: Promotional rebates of up to 15% in key spend categories
  • Promotions: Receive S$120 cashback w/ S$800 spend in 2mo
  • 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
  • 15% rebate with select merchants for parking & public transit
  • 5% rebate on select taxis & ride-hailing services
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • SimplyGo/ABT capabilities for public transit fares
POSB Everyday Card is an excellent all-in-one option for families and those with high spend on essentials. While promotional rates vary, cardholders can typically earn up to 15% cashback on categories such as online food delivery, dining, groceries, transport, personal care and recurring bills. Some, but not all, of these spend areas are usually merchant-restricted. However, POSB Everyday Card is still very convenient as it has ABT capabilities, allowing consumers to use it for contactless payment of public transit fares. Overall, if you want an all-in-one card that consistently offers high rates for dining, POSB Everyday Card could be the best option for you.

UOB One Credit Card: High Flat Rebate for Stable Spenders

  • Up to 5% rebate on all spend, S$300/quarter
  • 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$180 cashback w/ S$1.5k spend in 1st month + opening UOB One Savings Account
  • 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
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 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.

  • Stand-Out: Up to 5% flat rebate on all spend, S$300/quarter
  • 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$180 cashback w/ S$1.5k spend in 1st month + opening UOB One Savings Account
  • 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
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 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.

Citi Cash Back Card: Rebates on Global Food & Petrol

  • Up to 8% rebate on global dining, groceries & petrol
  • Promotions: Earn S$120 cash rebate w/ S$1,200 spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, & petrol (any station)
  • Up to 20.88% fuel savings at Esso & Shell
Citi Cash Back Card is 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.
  • Stand-Out: Up to 8% rebate on global dining, groceries & petrol
  • Promotions: Earn S$120 cash rebate w/ S$1,200 spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, & petrol (any station)
  • Up to 20.88% fuel savings at Esso & Shell
Citi Cash Back Card is 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.

Best No-Fee Dining Credit Cards

These credit cards provide an affordable way to earn rewards on everyday dining.

OCBC 365 Card: No-Fee Rebates on Essentials

  • Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Earn S$50 rebate w/ card approval
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, Visa Signature Privileges
OCBC 365 Card is the 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.

  • Stand-Out: Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Earn S$50 rebate w/ card approval
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, Visa Signature Privileges
OCBC 365 Card is the 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.

HSBC Revolution: Miles for Local Dining & Entertainment

  • Up to 2mi/S$1 spend on online insurance & bill-pay
  • Promotions: Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
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.
  • Stand-Out: Up to 2mi/S$1 spend on online insurance & bill-pay
  • Promotions: Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
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.

HSBC Visa Platinum: No-Fee Cashback + Miles

  • Rebates on local food & petrol, miles for general spend
  • Promotions: Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$12,500 annual spend
  • 5% cashback on local dining. groceries & petrol (up to S$250/quarter)
  • 0.4 miles per S$1 general spend, unlimited
  • Up to 21% fuel savings with Caltex, Shell (including 5% card rebate)
HSBC Visa Platinum Card is 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.
  • Stand-Out: Rebates on local food & petrol, miles for general spend
  • Promotions: Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$12,500 annual spend
  • 5% cashback on local dining. groceries & petrol (up to S$250/quarter)
  • 0.4 miles per S$1 general spend, unlimited
  • Up to 21% fuel savings with Caltex, Shell (including 5% card rebate)
HSBC Visa Platinum Card is 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.

CIMB Platinum MasterCard: Rebates on Dining & Transport

CIMB Platinum Mastercard
CIMB Platinum Mastercard
  • Up to 10% cashback on medical, transport, dining & more
  • Promotions: Receive free return flight from select destination w/ min. S$600 spend/mo for 3mo
  • Read Our Full Review
  • Annual fee: Free
  • 10% cashback on medical, transport, dining & overseas travel
  • 10% cashback on select electronics/furnishings vendors
  • CIMB 0% Interest i.Pay Instalment Plan
CIMB Platinum MasterCard 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.

CIMB Platinum Mastercard
CIMB Platinum Mastercard
  • Stand-Out: Up to 10% cashback on medical, transport, dining & more
  • Promotions: Receive free return flight from select destination w/ min. S$600 spend/mo for 3mo
  • Read Our Full Review
  • Annual fee: Free
  • 10% cashback on medical, transport, dining & overseas travel
  • 10% cashback on select electronics/furnishings vendors
  • CIMB 0% Interest i.Pay Instalment Plan
CIMB Platinum MasterCard 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.

Best Dining Credit Cards for Young Adults

If you're a young adult interested in great rewards for dining out, consider the cards below.

UOB YOLO Card: Cashback on Weekend Dining & Entertainment

  • Up to 8% cashback on weekend dining, entertainment & Grab
  • Promotions: Receive up to S$180 cashback w/ S$1.5k spend in 1st month + opening UOB One Savings Account
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab (3% weekdays)
  • 3% online travel & fashion
  • Free travel insurance
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.

  • Stand-Out: Up to 8% cashback on weekend dining, entertainment & Grab
  • Promotions: Receive up to S$180 cashback w/ S$1.5k spend in 1st month + opening UOB One Savings Account
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab (3% weekdays)
  • 3% online travel & fashion
  • Free travel insurance
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.

Citi SMRT Card: Easy Cashback on Fast Food & More

  • Rebates w/ popular merchants, 2% on Auto Top-Ups
  • Promotions: Earn S$120 cash rebate w/ S$1,200 spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Up to 7% rebate on groceries, 5% on fast food, movies & coffee
  • 3% online shopping, 2% on health & wellness
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • SimplyGo/ABT compatible
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.

  • Stand-Out: Rebates w/ popular merchants, 2% on Auto Top-Ups
  • Promotions: Earn S$120 cash rebate w/ S$1,200 spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Up to 7% rebate on groceries, 5% on fast food, movies & coffee
  • 3% online shopping, 2% on health & wellness
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • SimplyGo/ABT compatible
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.

Standard Chartered Rewards+ : Miles for Small Dining Budgets

  • Up to 2.9mi/S$1 overseas, 1.45mi on dining
  • Promotions: Receive up to S$80 cashback w/ approval
  • Receive up to S$50 cashback on electric bill w/ OEM sign-up w/ select retailers
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 10 pts (2.9 mi) per S$1 overseas, 5 pts (1.45 mi) on dining
  • 1 pt (0.29 mi) per S$1 general spend
  • Free travel insurance & Fullerton Hotel dining privileges
  • Up to 19.8% fuel savings with Caltex
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 than 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. For this reason, this card is especially great for young adults with smaller budgets.
  • Stand-Out: Up to 2.9mi/S$1 overseas, 1.45mi on dining
  • Promotions: Receive up to S$80 cashback w/ approval
  • Receive up to S$50 cashback on electric bill w/ OEM sign-up w/ select retailers
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 10 pts (2.9 mi) per S$1 overseas, 5 pts (1.45 mi) on dining
  • 1 pt (0.29 mi) per S$1 general spend
  • Free travel insurance & Fullerton Hotel dining privileges
  • Up to 19.8% fuel savings with Caltex
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 than 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. For this reason, this card is especially great for young adults with smaller budgets.

Citi Lazada Card: Miles for Lazada & Local Dining

  • Miles & Discounts w/ Lazada + dining, entertainment & Grab
  • Promotions: Receive S$150 Lazada Voucher w/ S$1.2k spend in 1st 3 mo
  • Receive free 1-Year LiveUp Membership (worth S$59.90)
  • Annual fee: S$192.6, 1-year waiver
  • Up to 4.8 miles (12pts) per S$1 spend w/ Lazada
  • Up to 4 miles (5pts) per S$1 on dining, travel, entertainment & transport
  • Receive S$1.99 shipping rebate for Lazada purchases of S$50+ (up to 4x/mo)
  • Exclusive offers & discounts with Lazada
  • Free travel insurance
Local, social spenders–especially those who like to shop online–can certainly benefit from Citi Lazada Card. Cardholders earn 2 miles (5pts) per S$1 spend on local dining, entertainment, travel and transport. This means that foodies can accrue miles for spend on everything from caterers & fast food restaurants to bars, taverns & sit-down restaurants, all without having to worry about meeting a minimum spend requirement.


Citi Lazada does primarily serve as an online shopping card, however. Cardholders earn an impressive 4.8 miles per S$1 spend with Lazada, and can also enjoy exclusive offers and discounts. Even more, orders of S$50+ are eligible for a S$1.99 shipping rebate (up to 4x/month), which translates to up to 4% additional cashback on the purchase. It's worth mentioning that total rewards are capped at just 4,000 miles (10,000pts) per month, however, which is roughly equal to S$40 value-to-consumer. A frequent Lazada shopper can max this out after S$833 spend. As a result, Citi Lazada Card is a great choice for consumers with a roughly S$1k monthly budget for online shopping and local dining & social spend.

  • Stand-Out: Miles & Discounts w/ Lazada + dining, entertainment & Grab
  • Promotions: Receive S$150 Lazada Voucher w/ S$1.2k spend in 1st 3 mo
  • Receive free 1-Year LiveUp Membership (worth S$59.90)
  • Annual fee: S$192.6, 1-year waiver
  • Up to 4.8 miles (12pts) per S$1 spend w/ Lazada
  • Up to 4 miles (5pts) per S$1 on dining, travel, entertainment & transport
  • Receive S$1.99 shipping rebate for Lazada purchases of S$50+ (up to 4x/mo)
  • Exclusive offers & discounts with Lazada
Local, social spenders–especially those who like to shop online–can certainly benefit from Citi Lazada Card. Cardholders earn 2 miles (5pts) per S$1 spend on local dining, entertainment, travel and transport. This means that foodies can accrue miles for spend on everything from caterers & fast food restaurants to bars, taverns & sit-down restaurants, all without having to worry about meeting a minimum spend requirement.


Citi Lazada does primarily serve as an online shopping card, however. Cardholders earn an impressive 4.8 miles per S$1 spend with Lazada, and can also enjoy exclusive offers and discounts. Even more, orders of S$50+ are eligible for a S$1.99 shipping rebate (up to 4x/month), which translates to up to 4% additional cashback on the purchase. It's worth mentioning that total rewards are capped at just 4,000 miles (10,000pts) per month, however, which is roughly equal to S$40 value-to-consumer. A frequent Lazada shopper can max this out after S$833 spend. As a result, Citi Lazada Card is a great choice for consumers with a roughly S$1k monthly budget for online shopping and local dining & social spend.

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

Carrie Arndt

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

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