7 Best Credit Cards for Dining in Singapore (2024 List)

It’s never too difficult to find a good meal in Singapore’s foodie paradise. But the island’s reliance on imports means food costs have been increasing as of late – in some cases, raw ingredients are now double or triple the price.

That makes a good dining credit card all the more invaluable.

So we went on a quest to find out just which credit cards help you save the most money, evaluating them based on:

• Effective cashback or equivalent rewards earn rates
• Minimum spend and suitability for various budgets
• Cashback caps
• Limitations and downsides
• Other benefits

We’ll cover these in our recommendations on the 7 best credit cards for dining in Singapore.

7 Best Credit Cards for Dining in Singapore

We’ve calculated potential savings for the following cards based on cashback caps, assuming your goal is to maximise rewards.

Of course, these are just estimates. You might choose to spend more on other categories from time to time, for example.

Card	Key Features	Min. Spend	Potential Savings on Food
BOC Family Card	10% rebate on dining and movies 5% rebate on Family Club merchants 3% rebate on public transport 3% rebate on supermarkets, online purchases, and hospital bills	$800 monthly	$300 yearly
Citi Cash Back Card	6% cashback on dining worldwide 8% cashback on groceries and petrol worldwide	$800 monthly	$960 yearly
DBS Live Fresh Card	5% cashback on online and visa contactless spend Extra 5% cashback on selected eco-eateries and retailers Up to 15% discount at selected eco-merchants	$600 monthly	$660 yearly
HSBC Revolution Card	10X Reward points on online and contactless spending Extra 1% cashback with linked HSBC Everyday Global Account	None	$300 yearly
Maybank Family & Friends Card	8% cashback globally on your choice of 5 out of 10 categories, including Dining & Food Delivery	$800 monthly	$600 yearly
Maybank Horizon Visa Signature	3.2 MPD on dining, petrol, public transport, Grab, taxi, and Agoda bookings	$300 monthly	N/A
UOB EVOL	8% cashback on mobile contactless spend 8% cashback on online spend	$600 monthly	$480 yearly

1. Bank of China Family Card

Minimum Age	21 yrs old	Income Req.	$30,000 annually
Annual Fee	$203.30	Fee Waiver	One year
Supplementary Card(s)	$101.65	Minimum Spend Required	$800 monthly

First, a caveat: Bank of China isn’t known for great credit cards. Most people avoid BOC unless they already have a savings account there and want a linked card to earn bonus interest.

Still, their 10% debate on dining and movies is hard to pass up. For most Singaporean families, that’s a recurring expense that we’d all love more discounts on.

Potential Savings?

Benefit	Category Cashback Cap	Monthly Spend to Max Cashback
10% rebate on dining and movies	$25/mo	$250
5% rebate on Family Club merchants	$25/mo	$500
3% rebate on public transport	$25/mo	$833.33
3% rebate on supermarkets, online purchases, and hospital bills	$25/mo	$833.33

Hitting max cashback for dining and movies is easy enough.

The other categories are more difficult: the typical family may only spend a couple hundred on public transport at most, so you’ll have to make up the $800 minimum spend with purchases from Family Club merchants. These include Best Denki, POPULAR Bookstore, Unity Pharmacy, Watsons, and Welcia-BHG.

With only a 3% rebate, we also wouldn’t recommend using this card for groceries or online purchases.

Realistically, unless you have recurring hospital bills you need to pay off, you’ll probably only get around $40 – 50 in cashback per month from this card.

Best For

As the name implies, this card is best for families – specifically, families who regularly shop at POPULAR, Best Denki, Watsons, and so on. You’ll find it hard to maximise cashback if you don’t fall in that demographic.

2. Citi Cash Back Card

Minimum Age	21 yrs old	Income Req.	$30,000 annually
Annual Fee	$192.60	Fee Waiver	One year
Supplementary Card(s)	$96.30	Minimum Spend Required	$800 monthly

There are two excellent benefits to the Citi Cash Back Card: first, you’ll get cashback from eligible categories globally, and second, it has a combined cashback cap instead of by category.That means if dining out and/or grocery shopping is a big expense, you could spend all S$800 of the required minimum spend on that. Other cards would need you to monitor your spending across various categories so you don’t exceed the cashback cap.

Citi also offers up to 20.88% in fuel savings at Esso and Shell stations locally, so that’s an extra perk if you’re one to scour the island for the best food.

Potential Savings?

Benefit	Combined Cashback Cap	Monthly Spend to Max Cashback
6% on dining worldwide	$80/mo	$1,333.33
8% on groceries worldwide	$80/mo	$1,000
8% on petrol worldwide	$80/mo	$1,000

You’ll get the most value out of this card if you spend more on groceries, of course.

But if you split your spending evenly between dining out and groceries, you can still net around $70 cashback monthly on $1,000 spending per month.

To sweeten the pot, Citi also offers S$300 cashback as a welcome gift when you spend S$800 in the first two months.

Best For

Those who spend $800 or more on dining out and groceries, and who don’t want the hassle of monitoring their food expenses.

3. DBS Live Fresh Card

Minimum Age	21 yrs old	Income Req.	S$30,000 annually
Annual Fee	$192.60	Fee Waiver	One year
Supplementary Card(s)	$96.30	Minimum Spend Required	$600 monthly

Marketed as Singapore’s “first eco-friendly credit card,” the DBS Live Fresh Card incentivises environmentally-friendly habits with “green cashback.” You’ll get extra rebates when you transact with participating eco-friendly merchants like Just Dabao, The Summerhouse, and Open Farm Community.

Heck, even the card itself is made of 85.5% recycled plastic.

As far as dining is concerned, there are only five eco-eateries listed. There are a number of grocers as well, though.

Potential Savings?

Benefit	Category Cashback Cap	Monthly Spend to Max Cashback
5% on online spend	$20/mo	$400
5% on Visa contactless spend	$20/mo	$400
5% on sustainable spend	$15/mo	$300
0.3% on all other spend	$20/mo	$6,666.67

Some of these categories overlap. For example, you might choose Visa contactless payment at one of the partnered “eco-friendly merchants.” In those cases, you’ll earn 10% cashback split between the two categories.

You’ll get max value from this card if you spend mostly on eco-friendly merchants. Most report getting around $30 – 40 cashback monthly. The list includes bus/train rides via SimplyGo, but be sure you actually frequent the other stores before applying for the card.

Best For

Eco-conscious shoppers.

4. HSBC Revolution Card

Minimum Age	21 yrs old	Income Req.	$30,000 annually
Annual Fee	$0	Fee Waiver	N/A
Supplementary Card(s)	$0	Minimum Spend Required	$0

This isn’t strictly a card for dining – you get 10X Reward Points on all online and contactless payments. But the fact that it’s a Visa card means you can use it at just about any restaurant that accepts credit cards.

What we like most about this card is the fact that it charges no annual fees and doesn’t require a minimum spend for you to start earning rewards. You’ll even get $30 cashback for every supplementary card you apply for (up to 5 cards) – and again, those are free.

Potential Savings?

Benefit	Monthly Spend to Max Bonus Points
10X Reward Points	$1,000/mo

You can redeem the points for things like cash vouchers, home appliances, miles, or hotel stays. With the 10X Reward Points rate, each dollar spent is worth 4 MPD or about 2.5 – 3.5% cashback.

If you max out the bonus points every month, that’s at least $300 in cashback on dining per year.

Best For: Those looking for a low-maintenance starter credit card.

5. Maybank Family & Friends Card

Minimum Age	21 yrs old	Income Req.	$30,000 annually
Annual Fee	$180	Fee Waiver	Three years
Supplementary Card(s)	$0	Minimum Spend Required	$800 monthly

The Maybank Family & Friends Card allows you to choose the five categories you spend most on. Options include:

1. Groceries
2. Dining & Food Delivery
3. Transport
4. Data Communication & Online TV Streaming
5. Retail & Pets
6. Online Fashion
7. Entertainment
8. Pharmacy
9. Sports & Sport Apparels
10. Beauty & Wellness

The range of categories means you can get 8% cashback not only on food, but also on things like your broadband plan, public transport, Grab rides, Netflix subscription, and vitamins.

And while this card caps your cashback by category, it also has one of the highest combined cashback caps as far as the market goes.

Potential Savings?

Benefit	Category Cashback Cap	Monthly Spend to Max Cashback
8% cashback on groceries	$25/mo	$312.50
8% cashback on dining & food delivery	$25/mo	$312.50
8% cashback on a category of your choice	$25/mo	$312.50
8% cashback on a category of your choice	$25/mo	$312.50
8% cashback on a category of your choice	$25/mo	$312.50

Hitting the cashback caps for your five chosen categories won’t be too difficult if you’ve got a partner (or a family). You get a free supplementary card, and the 8% cashback rate applies even if you (or a family member) are across the border.

Best For

Those looking for cashback on a variety of everyday expenses, including dining.

6. Maybank Horizon Visa Signature Card

Minimum Age	21 yrs old	Income Req.	$30,000 annually
Annual Fee	$180	Fee Waiver	Three years
Supplementary Card(s)	$0	Minimum Spend Required	$300 monthly

Want to earn miles every time you eat out? That’s what the Horizon Visa Signature is for.

You get 3.2 miles (or 8X TREATS Points) for every dollar you charge to the card at restaurants, along with a few other categories.

Unlike typical miles cards though, it isn’t as worthwhile putting travel expenses on the card. You also won’t get as many travel perks, like limo rides from the airport or free VIP lounge access.

Potential Rewards?

Category	TREATS Points	Miles-per-Dollar (MPD)
Dining	8 points/dollar	3.2
Petrol	8 points/dollar	3.2
Public transport, Grab, and taxis	8 points/dollar	3.2
Agoda hotel bookings	8 points/dollar	3.2
Air tickets	5 points/dollar	2
Travel packages from any travel agency	5 points/dollar	2
Cruise packages	5 points/dollar	2
Foreign currency transactions	5 points/dollar	2

There’s no cap on the miles you can earn, but note that bonus points are capped at 30,000 per month (or about S$4,285 in spending if you only spend on 8X point categories). TREATS points are also only valid for a year. The sweet spot here seems to be $18,000 in annual spending on the 8X categories. You’ll get an automatic annual fee waiver at this point while still keeping under the bonus rewards cap.

Best For

Frequent travellers who like eating out and typically spend about $1,500 – 2,000 monthly on dining, petrol, transport, and Agoda hotel bookings.

7. UOB EVOL Card

Minimum Age	21 yrs old	Income Req.	$30,000 annually
Annual Fee	$192.60	Fee Waiver	One year
Supplementary Card(s)	$96.30 (waived for two years)	Minimum Spend Required	$600 monthly

Like the HSBC Revolution Card, this isn’t strictly a card for dining. But it takes HSBC’s offer up a notch by offering 8% rebates on all mobile contactless and online spending.

The UOB EVOL Card also has an automatic fee waiver if you make 3 purchases a month for 12 consecutive months before your annual fee date. Not quite as low-maintenance as the HSBC Revolution Card, but it rewards consistent users.

Potential Savings?

Benefit	Category Cashback Cap	Monthly Spend to Max Cashback
8% on mobile contactless spend	$20/mo	$250
8% on online spend	$20/mo	$250
0.3% on all other spend	$20/mo	$6,666.67

Online spending includes in-app purchases via Deliveroo, GrabFood, and FoodPanda. You can even use this card for public transport rides via SimplyGo, as they’d fall under mobile contactless spending.

Considering the low cashback caps, you’ll always exceed those before you fulfill the minimum spend requirement. That puts this card’s effective cashback rate between 6.7 – 0.8%, depending on how much you go past the minimum spend.

Simply put: it doesn’t pay to spend much more than $600 on this card. Track your spending closely.

Best For

Diners who can split their spending between mobile contactless and online spend – and charge almost exactly $600 to the card per month.