Best Dining Credit Cards Singapore 2026
Maximize your dining rewards with Singapore's top restaurant credit cards. Earn exceptional cashback on dining, food delivery, and culinary experiences.
Dining Focus: Cards specifically optimized for restaurant spending, food delivery, and culinary experiences across Singapore's vibrant food scene.
Top Dining Credit Cards Comparison
| Card | Dining Cashback | Cap | Annual Fee | Special Perks |
|---|---|---|---|---|
UOB ONE Card Dining Specialist | Up to 5% | S$500/month | S$80 | Food delivery included |
OCBC 365 Card Dining & Grocery | 6% | S$500/month | S$196 | Grocery cashback too |
DBS Live Fresh Card Student-Friendly | 5% | S$300/month | S$0 | No annual fee |
Citi Cashback Card Dining & Entertainment | 8% | S$500/month | S$196 | Entertainment included |
HSBC Revolution Card Online Dining | 10% | S$150/quarter | S$196 | Online dining focus |
🏆 Best Overall Dining Card
Citi Cashback Card
8% cashback on dining with S$500 monthly cap
Detailed Dining Credit Card Reviews
Citi Cashback Card
Best Overall Dining Rewards
Dining Benefits
- • 8% cashback on dining (including entertainment)
- • S$500 monthly cashback cap
- • Includes restaurants, bars, and cafes
- • Food delivery platforms covered
- • Entertainment venues included
- • No minimum spend required
Card Details
- • Annual fee: S$196 (waived first year)
- • Minimum income: S$30,000
- • Other categories: 0.25% cashback
- • Interest rate: 25.9% p.a.
- • Payment due: 20 days
Best For
Serious food enthusiasts who regularly spend S$500+ monthly on dining and entertainment. The high 8% rate makes this the top choice for frequent diners.
UOB ONE Card
Best for Food Delivery
Dining Benefits
- • Up to 5% cashback on dining
- • S$500 monthly cashback cap
- • Includes food delivery (GrabFood, Foodpanda)
- • Local and international restaurants
- • Coffee shops and hawker centers
- • Requires 3 eligible transactions monthly
Card Details
- • Annual fee: S$80 (waived first year)
- • Minimum income: S$30,000
- • Other categories: Up to 3.33%
- • Foreign transaction fee: No fee
- • Interest rate: 25.9% p.a.
Best For
Food delivery enthusiasts and regular diners who want good rewards across multiple categories. Excellent for those who frequently order GrabFood or Foodpanda.
OCBC 365 Card
Best for Dining + Groceries
Dining Benefits
- • 6% cashback on dining
- • S$500 monthly cashback cap
- • Includes groceries in same category
- • Local restaurants and cafes
- • Food courts and coffee shops
- • Minimum S$600 monthly spend required
Card Details
- • Annual fee: S$196 (not waived)
- • Minimum income: S$30,000
- • Other categories: 0.3% cashback
- • Foreign transaction fee: 3.25%
- • Interest rate: 25.9% p.a.
Best For
Families who spend significantly on both dining and groceries. The combined category makes it easier to reach the minimum spend and maximize rewards.
DBS Live Fresh Card
Best No Annual Fee Option
Dining Benefits
- • 5% cashback on dining
- • S$300 monthly cashback cap
- • Local restaurants and cafes
- • Online food platforms included
- • No minimum spend required
- • Perfect for students and young professionals
Card Details
- • Annual fee: S$0 (permanently waived)
- • Minimum income: S$30,000
- • Other categories: 0.3% cashback
- • Foreign transaction fee: 3.25%
- • Age limit: Under 26 years old
Best For
Young professionals and students under 26 who want excellent dining rewards without annual fees. Great starter card for building credit history while earning rewards.
What Counts as Dining Spending?
✓ Usually Included
- • Restaurants and cafes
- • Food courts and hawker centers
- • Coffee shops (kopitiams)
- • Bars and pubs
- • Food delivery apps (Grab, Foodpanda)
- • Fine dining establishments
- • Fast food chains
- • Hotel restaurants
? Sometimes Included
- • Grocery stores with cafes
- • Entertainment venues with food
- • Hotel room service
- • Airline meal purchases
- • Catering services
- • Food trucks and stalls
- • Corporate cafeterias
- • Theme park restaurants
✗ Usually Excluded
- • Grocery stores (unless specified)
- • Convenience stores
- • Supermarkets
- • Alcohol shops
- • Food manufacturers
- • Vending machines
- • Wholesale food purchases
- • Gift card purchases
Pro Tip
Check with your card issuer for specific merchant category codes (MCC) that qualify for dining rewards. Some merchants may be categorized differently than expected.
How to Maximize Your Dining Rewards
Strategic Spending
- ✓Track Monthly Caps: Monitor your spending to maximize cashback caps
- ✓Use Multiple Cards: Combine cards for different dining categories
- ✓Plan Big Meals: Time expensive dining for months when you haven't hit caps
- ✓Group Payments: Pay for friends and collect cash to maximize spending
Smart Tactics
- 💡Food Delivery: Use dining cards for delivery apps like Grab and Foodpanda
- 💡Business Meals: Use personal dining cards for business entertainment
- 💡Special Occasions: Save dining cards for expensive celebrations
- 💡Quarterly Planning: Plan dining expenses around bonus categories
Credit Cards for Popular Food Platforms
GrabFood
Best Cards:
- • UOB ONE Card (5% cashback)
- • Citi Cashback Card (8% cashback)
- • HSBC Revolution (10% cashback online)
Foodpanda
Best Cards:
- • UOB ONE Card (5% cashback)
- • DBS Live Fresh (5% cashback)
- • HSBC Revolution (10% online)
Deliveroo
Best Cards:
- • HSBC Revolution (10% online)
- • Citi Cashback Card (8% cashback)
- • UOB ONE Card (5% cashback)
WhyQ
Best Cards:
- • HSBC Revolution (10% online)
- • UOB ONE Card (5% cashback)
- • DBS Live Fresh (5% cashback)
Expert Tips for Dining Credit Cards
Maximize Your Rewards
- • Use different cards for different dining types
- • Pay for group dinners to maximize spending
- • Track monthly caps to optimize usage
- • Combine with dining promotions and discounts
Smart Spending
- • Check if delivery platforms qualify
- • Use for both casual and fine dining
- • Consider cards with entertainment included
- • Plan expensive meals around bonus periods
Ready to Maximize Your Dining Rewards?
Compare Singapore's best dining credit cards and start earning exceptional cashback on every meal.