Best Credit Card Dining and Buffet Promotions 2022

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, our experts identified the best credit card for dining. with the highest dining rewards rates overall as well as with great restaurant discounts and privileges. Our experts have also found you the best credit card dining promotions in 2022 to help you save more!

Best Miles Credit Cards for Dining
Best Cashback Credit Cards for Dining
Best Dining Credit Cards with No Annual Fee
  • OCBC 365: 6% rebate on dining, 3% rebate on groceries, utilities and travel, Visa Concierge Services
  • HSBC Revolution: 4 miles per S$1 spent online and on contactless payments
  • HSBC Visa Platinum: 5% rebate on groceries, dining & petrol, miles for general
  • CIMB Platinum MC: 10% rebate on wine and dine, transport, petrol, health and travel, capped at S$100/month
Best Dining Credit Cards for Young Adults
  • UOB YOLO: Rebates on online and contactless spend with easy fee-waiver
  • Citi SMRT: 5% everyday rebates w/S$500 min spend
  • Citi Lazada: Up to 4 miles per S$1 spend on Lazada
  • SC Rewards+: 2.9 miles per S$1 overseas, 1.45 for dining
Best High Income Dining Credit Cards
  • Amex Platinum: Elite dining & lifestyle perks in SG
  • OCBC Voyage: Flexible miles redemption, boosted rewards for overseas spend

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 Best High Income Dining Credit Cards

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 dining credit cards that we've found from among over 100 options in Singapore - or take a look at the full list yourself, with instant rewards estimates from our RealValue credit card calculator.

Maybank Horizon Visa Signature: Top Miles for Local Dining

  • Market-leading 3.2 mi/S$1 local dining & transport 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$180.0, 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: 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$180.0, 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.

KrisFlyer UOB Credit Card: Dining Miles for SIA Loyalists

  • Boosted everyday miles w/ SIA perks & privileges
  • Promotions: Receive 3,000 KrisFlyer miles + up to S$150 of cash credit
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
  • 1.2 mi/S$1 on general spend
  • 10,000 annual renewal miles
  • Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more
KrisFlyer UOB Card is an excellent option for young travellers who frequently fly with SIA brands. Cardholders earn 1.2 miles per S$1 general local and overseas spend, boosted to 3 miles for global dining, transport, online shopping & travel bookings with just S$500 SIA spend in a year. Even better, cardholders earn 3 miles per S$1 on their SIA brand purchases (including SIA, SilkAir, Scoot and KrisShop). As such, airline loyalty fuels the rapid accrual of miles rewards.


KF UOB Card is an especially good fit for young adults flying on a budget. Cardholders enjoy privileges with Scoot, SIA's low cost carrier, including free baggage allowance upgrades, complimentary standard seat selection, priority check-in & boarding and booking flexibility waivers. Other perks include S$20 rebate at KrisShop, S$15 worth of Grab rides to and from Changi airport and another S$15 voucher for ChangiWiFi. These benefits are not only practical and convenient–they're also affordable, given KF UOB Card's S$192.6 fee is almost completely offset by its annual 10,000 renewal miles bonus (worth about S$100). As a result, KrisFlyer UOB Card is a great choice for budget travellers who are willing to exclusively fly with SIA brands.

  • Stand-Out: Boosted everyday miles w/ SIA perks & privileges
  • Promotions: Receive 3,000 KrisFlyer miles + up to S$150 of cash credit
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
  • 1.2 mi/S$1 on general spend
  • 10,000 annual renewal miles
  • Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more
KrisFlyer UOB Card is an excellent option for young travellers who frequently fly with SIA brands. Cardholders earn 1.2 miles per S$1 general local and overseas spend, boosted to 3 miles for global dining, transport, online shopping & travel bookings with just S$500 SIA spend in a year. Even better, cardholders earn 3 miles per S$1 on their SIA brand purchases (including SIA, SilkAir, Scoot and KrisShop). As such, airline loyalty fuels the rapid accrual of miles rewards.


KF UOB Card is an especially good fit for young adults flying on a budget. Cardholders enjoy privileges with Scoot, SIA's low cost carrier, including free baggage allowance upgrades, complimentary standard seat selection, priority check-in & boarding and booking flexibility waivers. Other perks include S$20 rebate at KrisShop, S$15 worth of Grab rides to and from Changi airport and another S$15 voucher for ChangiWiFi. These benefits are not only practical and convenient–they're also affordable, given KF UOB Card's S$192.6 fee is almost completely offset by its annual 10,000 renewal miles bonus (worth about S$100). As a result, KrisFlyer UOB Card is a great choice for budget travellers who are willing to exclusively fly with SIA brands.

Best Cashback Credit Cards for Dining

To maximise your spending, consider these dining credit cards. These credit cards stand out both for high rebate rates as well as special dining deals and privileges in Singapore.

UOB One Credit Card: High Flat Rebate for Stable Spenders

  • Up to 10% rebate on all spend, S$300/quarter
  • Promotions: No promotion currently being offered
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend)
  • Up to 10% on Grab & select UOB travel, 6% on utilities bills
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programm
If you regularly spend at least S2,000/month, you could potentially earn 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% general cashback–including for dining locally & overseas–up to S$300/quarter. This rate is boosted to 10% for Grab transactions & select UOB Travel spend and 6% for recurring utilities bills. 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 10% rebate on all spend, S$300/quarter
  • Promotions: No promotion currently being offered
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend)
  • Up to 10% on Grab & select UOB travel, 6% on utilities bills
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programm
If you regularly spend at least S2,000/month, you could potentially earn 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% general cashback–including for dining locally & overseas–up to S$300/quarter. This rate is boosted to 10% for Grab transactions & select UOB Travel spend and 6% for recurring utilities bills. 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.

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

  • 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$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on fast food & food delivery, 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 fast food & food delivery, 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 fast food and restaurant discounts make it an excellent option for frequent diners.

  • 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$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on fast food & food delivery, 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 fast food & food delivery, 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 fast food and restaurant discounts make it an excellent option for frequent diners.

Citi Cash Back Card: Rebates on Global Food & Petrol

  • Up to 8% rebate on groceries & petrol, 6% on dining
  • Promotions: Receive a Dyson V8 (worth S$549), Apple Watch SE (worth S$419) or S$300+$100 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval.
  • $300 Cash Back Welcome Offer if S$800 spend in first 2 months
  • Promotion Period: 18 - 24 May 2022
  • Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval.
  • Reward may be retracted or cancelled if the card is cancelled before this 12-month period.
  • 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 up to 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$800 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$80/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 groceries & petrol, 6% on dining
  • Promotions: Receive a Dyson V8 (worth S$549), Apple Watch SE (worth S$419) or S$300+$100 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval.
  • $300 Cash Back Welcome Offer if S$800 spend in first 2 months
  • Promotion Period: 18 - 24 May 2022
  • Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval.
  • Reward may be retracted or cancelled if the card is cancelled before this 12-month period.
  • 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 up to 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$800 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$80/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.

POSB Everyday Card: Rebates on Essentials + SimplyGo

  • 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
POSB Everyday Card is an excellent all-in-one option for families and those with high spend on essentials. While rebates vary by category, cardholders can typically earn up to 10% cashback on expenses such as online food delivery, dining, groceries, transport, personal care and recurring bills.


Although some of these rates only apply at specific stores, POSB Everyday Card is still very convenient due to its ABT capabilities, which let you 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: 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
POSB Everyday Card is an excellent all-in-one option for families and those with high spend on essentials. While rebates vary by category, cardholders can typically earn up to 10% cashback on expenses such as online food delivery, dining, groceries, transport, personal care and recurring bills.


Although some of these rates only apply at specific stores, POSB Everyday Card is still very convenient due to its ABT capabilities, which let you 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.

BOC Family Card: Cashback for Dining & Cinema

Bank of China Family Card
Bank of China Family Card
  • Top cashback in practical categories like transit & medical
  • Promotions: No promotion currently being offered
  • Annual fee: S$203.3
  • 10% rebate on dining & movie theaters, capped at S$25/month
  • 5% rebate w/ Family Club Merchants (Best Denki, POPULAR & more) capped at S$25/month
  • 3% rebate on public transport (MRT trains & SBS/SMRT Buses via SimplyGo), capped at S$25/month
  • 3% rebate on local supermarkets, online retail & hospitals, capped at S$25/month
BOC Family Card is a great option for individuals who have a diversified budget, and also enjoy earning rewards on their dining and cinema purchases. With this card, individuals can earn a 10% rebate on both dining & movie purchases. In addition, they can earn 5% with Family Club merchants like Best Denki, Watsons and more, 3% on MRT trains and SBS/SMRT Buses, and 3% on local supermarkets, online retail and hospital bills. These 4 categories have a respective cap of S$25/month, which is great for those with diversified spending. With the correct spend distribution, cardholders can earn up to S$100/month.
Bank of China Family Card
Bank of China Family Card
  • Stand-Out: Top cashback in practical categories like transit & medical
  • Promotions: No promotion currently being offered
  • Annual fee: S$203.3
  • 10% rebate on dining & movie theaters, capped at S$25/month
  • 5% rebate w/ Family Club Merchants (Best Denki, POPULAR & more) capped at S$25/month
  • 3% rebate on public transport (MRT trains & SBS/SMRT Buses via SimplyGo), capped at S$25/month
  • 3% rebate on local supermarkets, online retail & hospitals, capped at S$25/month
BOC Family Card is a great option for individuals who have a diversified budget, and also enjoy earning rewards on their dining and cinema purchases. With this card, individuals can earn a 10% rebate on both dining & movie purchases. In addition, they can earn 5% with Family Club merchants like Best Denki, Watsons and more, 3% on MRT trains and SBS/SMRT Buses, and 3% on local supermarkets, online retail and hospital bills. These 4 categories have a respective cap of S$25/month, which is great for those with diversified spending. With the correct spend distribution, cardholders can earn up to S$100/month.

Best No-Fee Dining Credit Cards

Looking for credit cards in Singapore that are suitable for dining and offer an easy fee waiver? Consider these credit cards that provide an affordable way to earn rewards on everyday dining.

OCBC 365 Card: No-Fee Rebates on Essentials

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$192.6, 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.

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$192.6, 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 4mi/S$1 spend on online insurance & bill-payy
  • Promotions: Get SGD200 cashback when you spend at least SGD500 plus get up to SGD150 cashback when you apply for supplementary cards
  • If you're an existing cardholder, you'll be eligible to receive SGD50 cashback
  • Applicants must submit card application between 1 May - 31 July 2022
  • 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 4mi/S$1 spend on online insurance & bill-pay
  • Promotions: Get SGD200 cashback when you spend at least SGD500 plus get up to SGD150 cashback when you apply for supplementary cards
  • If you're an existing cardholder, you'll be eligible to receive SGD50 cashback
  • Applicants must submit card application between 1 May - 31 July 2022
  • 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: Get SGD200 cashback when you spend at least SGD500 plus get up to SGD150 cashback when you apply for supplementary cards
  • If you're an existing cardholder, you'll be eligible to receive SGD50 cashback
  • Applicants must submit card application between 1 May - 31 July 2022
  • 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: Get SGD200 cashback when you spend at least SGD500 plus get up to SGD150 cashback when you apply for supplementary cards
  • If you're an existing cardholder, you'll be eligible to receive SGD50 cashback
  • Applicants must submit card application between 1 May - 31 July 2022
  • 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
  • 10% rebate on wine and dine, transport, petrol, health and travel, capped at S$100/month
  • Promotions: No promotion currently being offered
  • 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: 10% rebate on wine and dine, transport, petrol, health and travel, capped at S$100/month
  • Promotions: No promotion currently being offered
  • 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 earning great rewards when dining at your favourite fast food joints, cafes, restaurants and even ordering on food delivery platforms, consider the cards below. We have also found you the best credit card dining promotions in 2022 to help you save even more!

UOB YOLO Card: Cashback on Weekend Dining & Entertainment

  • 8% cashback on online & mobile contactless spend, 0.3% all other spend (max S$60/month)
  • Promotions: No promotion currently being offered
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab, select UOB Travel (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 & select UOB Travel on weekends (3% on weekdays), as well as 3% 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: 8% cashback on online & mobile contactless spend, 0.3% all other spend (max S$60/month)
  • Promotions: No promotion currently being offered
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab, select UOB Travel (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 & select UOB Travel on weekends (3% on weekdays), as well as 3% 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

  • 5% everyday rebates w/S$500 min spend
  • Promotions: No promotion currently being offered
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Up to 5% rebate on groceries, 5% online shopping
  • EZ-Reload functionality with 5% 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 and transit. Cardholders earn up to 5% rebate on groceries, and 5% online. Citi SMRT Card is also EZ-Link compatible and offers 5% rebates on Auto Top-Ups.


If you also like to dine out at sit-down establishments, Citi SMRT Card offers discounts up to 25% 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.

  • Stand-Out: 5% everyday rebates w/S$500 min spend
  • Promotions: No promotion currently being offered
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Up to 5% 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 and transit. Cardholders earn up to 5% rebate on groceries, and 5% online. Citi SMRT Card is also EZ-Link compatible and offers 5% rebates on Auto Top-Ups.


If you also like to dine out at sit-down establishments, Citi SMRT Card offers discounts up to 25% 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.

Citi Lazada Card: Miles for Lazada & Local Dining

  • Miles & discounts w/ Lazada + dining, entertainment & Grab
  • Promotions: No promotion currently being offered
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • Up to 4 miles (10pts) per S$1 spend w/ Lazada
  • Up to 2 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 4 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$1k 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: No promotion currently being offered
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • Up to 4 miles (10pts) per S$1 spend w/ Lazada
  • Up to 2 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 4 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$1k 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.

Standard Chartered Rewards+ : Miles for Small Dining Budgets

  • 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.
  • 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.

Best Dining Credit Cards for High Income Earners

Suitable for the affluent who love food, wealthy Singaporeans can enjoy top-notch dining perks and rates with these credit cards suitable for dining.

American Express Platinum Card: Luxury Local Dining Perks

  • Annual fee: S$321
  • 0.69 miles (1.25 pts) per S$1 spend
  • Up to 3.44 miles (6.25 pts) per S$1 spend w/ Platinum EXTRA Partners
  • No conversion fees
  • Dining Perks: Love Dining, Amex Selects & Chillax programme
  • Lifestyle Perks: Platinum Wellness spa privileges & complimentary green fees
American Express Platinum Card offers some of the most remarkable dining privileges for local Singaporeans on the market. Cardholders enjoy up to 50% off at high-end restaurants and buffets through Love Dining, complimentary cocktails at trendy bars with the Chillax programme, and additional special discounts via Amex Selects. Amex Platinum is even the official card partner of the Michelin Guide Singapore, providing cardholders with invitations to exclusive guest chef dinners. Beyond these dining perks, cardholders also enjoy local luxuries such as up to 40% off at elite spas and waived green fees at highly regarded fairways.


Amex Platinum Card also allows consumers to earn miles for their luxury spend. General purchases earn just 0.69 miles (1.25 pts) per S$1, but spend with Platinum EXTRA Partners–primarily designer fashion, watch and jewellery brands–earns an elevated 3.44 miles (6.25 pts). This is ideal for affluent shoppers who may feel restrained by typical shopping cards' rewards cap. While there is a S$321 annual fee, wealthier Singaporeans–especially those who frequently dine out–may feel that Amex Platinum's perks outweigh its cost.

  • Annual fee: S$321
  • 0.69 miles (1.25 pts) per S$1 spend
  • Up to 3.44 miles (6.25 pts) per S$1 spend w/ Platinum EXTRA Partners
  • No conversion fees
  • Dining Perks: Love Dining, Amex Selects & Chillax programme
  • Lifestyle Perks: Platinum Wellness spa privileges & complimentary green fees
American Express Platinum Card offers some of the most remarkable dining privileges for local Singaporeans on the market. Cardholders enjoy up to 50% off at high-end restaurants and buffets through Love Dining, complimentary cocktails at trendy bars with the Chillax programme, and additional special discounts via Amex Selects. Amex Platinum is even the official card partner of the Michelin Guide Singapore, providing cardholders with invitations to exclusive guest chef dinners. Beyond these dining perks, cardholders also enjoy local luxuries such as up to 40% off at elite spas and waived green fees at highly regarded fairways.


Amex Platinum Card also allows consumers to earn miles for their luxury spend. General purchases earn just 0.69 miles (1.25 pts) per S$1, but spend with Platinum EXTRA Partners–primarily designer fashion, watch and jewellery brands–earns an elevated 3.44 miles (6.25 pts). This is ideal for affluent shoppers who may feel restrained by typical shopping cards' rewards cap. While there is a S$321 annual fee, wealthier Singaporeans–especially those who frequently dine out–may feel that Amex Platinum's perks outweigh its cost.

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

Additional Resources

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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.