Compare Dining Credit Cards in Singapore

- April 30, 2021

Having a credit card with high rewards at restaurants can help you earn more points, discounts, and exclusive dining experiences. Our credit card tool compares over a hundred of Singapore's best credit cards to calculate which ones offer the highest rewards value on your dining spend.

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{"defaultRewardsCategory":"dining","defaultRewardsType":"all","defaultUserIncome":"60000","defaultUserSpendTotal":"2000","defaultCardIssuer":"","endpoint":"http:\/\/mongogateway.valuechampion.sg\/Gateway","defaultSort":"value","linkSource":"affiliate"}

If you want a closer look at our analysis of credit cards in the dining category, check out our comprehensive list of top picks in Singapore below.

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 utilities and travel, Visa Concierge Services
  • HSBC Revolution: 2 miles per S$1 local dining, entertainment & online
  • HSBC Visa Platinum: 5% rebate on food & 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 essentials with easy fee-waiver
  • Citi SMRT: Everyday rebates + no minimum spend requirement
  • 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 local dining

How to Choose a Dining Credit Card

Few credit cards are specifically named or branded as "dining credit cards", but there is definitely a variation in how effective cards are at earning rewards for the money you spend on restaurants and other eateries. The best cards for dining rewards often give you good rewards rates on other categories as well. For instance, the UOB One card gets you the same 5% rebate on all spend (including dining) for up to S$300 in rewards per quarter.

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

Some cards actually make a distinction between types of restaurants. For instance, Maybank's Family & Friends card earns up to 8% cash back on fast food and food deliveries, but doesn't offer rewards on fine dining at the same rate.

Besides this, credit cards also differentiate between whether you're spending to eat locally or in other currencies abroad. To get an accurate picture of potential rewards value from our tool, we recommend you use the "dining" category for all local eating (including deliveries and fast food) and put your expected spend on eating abroad into the "overseas" category.

Finally, keep in mind that the unique perks and exclusive experiences that some card issuers offer are difficult to quantify and do not factor into the values we provide. If you see that a certain card issuer offers a great roster of experiences, it may be worth getting one of their cards even if the rewards rates don't quite work out as the best available to you.

Frequently Asked Questions

The answer depends upon where and how often you pay for dining. For dining in local restaurants, we recommend a low-cost card like the CIMB Platinum Mastercard, with its 10% rebate on dining (among other categories). If you're looking for a card that will extend your earning power on meals purchased abroad, consider something like the KrisFlyer UOB Card, which offers boosted miles on global dining. And if you value exclusive dining perks and experiences, a card such as American Express Platinum may be well worth the fee.

There are a few credit cards in Singapore that give good value for almost any type of budget. These include the UOB One Credit Card with its flat rebate on all categories and the POSB Everyday Card with frequent promotional rates on essential household spending. However, it's often more efficient to choose a credit card that fits your biggest area of spending. For instance, travel and dining enthusiasts may find better value with more specific rewards credit cards.

Virtually every fast food restaurant brand takes credit cards, no different than any other store you'll find. However, earning rewards on fast food expenses will depend on the terms and conditions of the card you use. Some cards distinguish between fast food and other restaurants, offering different rewards rates for each category or even none at all.