Hit the Menu, Hit the Cashback
Singapore’s love affair with food can’t be broken down into anything but a total national pastime. From hawker stalls that’re practically a heritage site, to high‑end bistros that have you wishing you had gone to London for dinner, the city’s culinary skyline is as diverse as it is delicious.
Now that the deliciousness can hit your doorstep every night thanks to delivery apps, the way we spend on food only gets more interesting. It’s not just about choosing the next bite – it’s also about picking the card that turns every mealtime into a reward.
Why Your Card Matters
- Cashback that ruffles your wallet: 5 % cash‑back on every food order.
- Rewards points that can be swapped for food vouchers or free delivery.
- Special offers that let you double‑up: buy one, get one free on certain restaurant chains.
Top Picks for 2023
- Feast‑First Visa Card – Ideal for those who love grabbing a bite in every neighborhood. Offers 5 % cashback on all dining spend, plus a monthly free delivery credit.
- Hawker Hub Mastercard – Designed for the seasoned hawker‑lover. You get 4 % cashback on food delivery orders and a complimentary meal voucher every quarter.
- Urban Gourmet Credit – Because you deserve a little luxury with your lobster. Enjoy 3 % on every restaurant bill and a one‑time free dine‑in experience at top 5 restaurants.
- Bright‑Bite AmEx – For the modern foodie who orders on the go. 6 % reward points on all meal deliveries and a yearly benefit of free express delivery upgrades.
Pro Tip
When you’re choosing a card, avoid the standard “buy‑cashback” junk. Look for flexible redemption—you want points that can stay with you until you, rather than a card that forces you to use them at a single store.
Ready to turn a meal into a magical point‑machine? Flip the card like you flip the fish in the fry‑pan, and let the flavors come rolling with rewards that make every bite feel like a jackpot.
1. At a glance: Best dining and food delivery credit cards in Singapore
Best Dining Credit Cards
Grab your wallet, because the perks for food lovers are about to get a whole lot tastier. Below, we’ve cherry‑picked the top rewards that make every bite a little more delicious and a lot less costly.
AMEX Platinum Credit Card
- Up to 50 % off at AMEX Love Dining restaurants and hotel restaurants.
Citi Cashback Card
- 6 % cashback on dining (min. $800 spend, max $80 cashback).
Citi Rewards Card
- Earn 10X reward points on online food delivery. Your click, your reward!
Standard Chartered Simply Cash Credit Card
- 1.5 % flat cashback on dining, plus extra discounts under the “The Good Life” benefits program.
Standard Chartered Smart Credit Card
- 6 % cashback on fast food, coffee and toast joints. Yes, even that greasy donut counts!
DBS Vantage Visa Infinite Card
- 1.5 % cashback on dining and up to 20 % off at selected restaurants.
POSB Everyday Card
- 10 % cash rebate on food delivery from foodpanda, Deliveroo, WhyQ (min. $800 spend, cap $15 Daily).
OCBC 365 Card
- 6 % cashback on dining & online food delivery (min. $800 spend, max $80 cashback).
Maybank Horizon Card
- 8X TREATS reward points for local restaurants (min. $300 spend).
HSBC Visa Infinite Card
- Up to 50 % off at four hotel restaurants and 1‑for‑1 deals via Entertainer with HSBC.
CIMB World Mastercard
- 2 % cashback on dining & online food delivery (min. $1,000 spend, no cap).
UOB One Card
- Up to 15 % rebate at Cold Storage, Giant, GrabFood and more.
- Up to 50 % off dining via UOB dining privileges.
There you have it—no fancy jargon, just plain fun. Pick the card that fits your appetite and life, and let every meal be a little more rewarding. Bon appétit!
2. American Express Platinum Credit Card
Why Foodies Love the AMEX Platinum Card’s Love Dining Deal
Picture this: you’re strolling through the city, craving a bite that screams luxury, and then you remember that you’ve got the AMEX Platinum playing backstage. That’s when the Love Dining program steps in, turning every meal into a VIP experience with generous discounts and the convenience of the Platinum Concierge.
Crazy “Group” Discounts That Make the Checkout Even Better
They’ve broken it down into sweet tiers:
- Two people: 50% off the total bill.
- Three people: 35% off.
- Four people: 25% off.
- And if you’re a party of five or more, you still snag a 20% cut.
So grab a buddy (or the whole squad) and watch that bill shrink.
What’s on the Menu? 22 Hotel Restaurants + 19 Off‑Premises Gems
Here’s a taste‑of‑the-sum list of dining spots you can access:
- Anti:dote – Fairmont Singapore
- Wan Hao Chinese Restaurant – Marriott Tang Plaza
- Crossroads Bar – Paradox Singapore (Merchant Court at Clarke Quay)
- SKAI Restaurant – Swissotel The Stamford
- Brasserie Les Saveurs – St. Regis
- SKIRT – W Singapore (Sentosa Cove)
- Peach Garden – OCBC Centre
- Sen of Japan
- Si Chuan Dou Hua Restaurant
- The Kongsee
- Verdandah @ Rael’s
- Xin Cuisine Chinese Restaurant
- Sky 22
- Lawry’s The Prime Rib
- Wooloomooloo Steakhouse
- La Nonna
- Alegria
- Napoleon Food & Wine Bar
These places range from high‑end hotel spots to street‑style tastants, all ready to deliver a meal you’ll brag about.
Love Dining vs. HSBC Entertainer: The Big Picture
Both programs basically give you one‑for‑one and percentage‑based discounts, so they’re pretty similar. But the details matter:
- HSBC’s Entertainer app is a free download for every HSBC card holder, yet full discounts happen only for Visa Infinite and Premier Mastercard customers.
- AMEX’s Love Dining is exclusively for the Platinum Card—no app, just the concierge. Book through the concierge, play with your Platinum, and you’re golden.
In short: if you’re a Platinum member, treat yourself to Love Dining’s mega‑discounts. It’s all about the convenience and the brag‑worthy savings.
3. Citi Cashback Card
Citi’s Cash‑Back Card: Still a Good Bite for Food Lovers
Why Grab It?
6% cashback whenever you chow down at restaurants, cafés, or fast‑food spots. It’s still a tasty deal, but a couple of clauses keep it from being the ultimate foodie card.
Catch One: You have to spend
Each month you need to hit a $800 minimum.
If you can’t hit that, you’ll only enjoy a measly 0.25% back – almost like putting a teaspoon of salt on a big steak.
Plus, you can earn up to $80 a month, which translates roughly to $1,000–$1,333 worth of meals.
Catch Two: No Delivery Bonus
Order via Deliveroo, Foodpanda, or any food‑delivery service? Sorry, no cashback will follow that parcel. It only kicks in when you actually walk into the joint.
Who Qualifies?
- MCC 5811 – Caterers
- MCC 5812 – Eating Places, Restaurants
- MCC 5814 – Fast Food Restaurants
Bonus Dining Vouchers for 2023
Citi keeps the perks fresh and fun with annual dining gift cards that are good until December 31, 2023.
- Elfuego: S$10 off every S$120 spent
- Yonehachi: S$5 return voucher with any spend
- Beauty In The Pot: S$10 return voucher with any spend
4. Citi Rewards Card
Meet the Citi Rewards Card—Your Online Shopping Buddy
Thinking of turning your couch into a money‑making machine? The Citi Rewards Card is designed for digital hustlers who treat their browser like a cash register.
Why this card is a win for net‑native spenders
- 10X minty‑fresh rewards for online food delivery—so your meal orders come back with a bonus of points.
- Supercharged points for everything else you order online: groceries, gadgets, Grab rides, Gojek deliveries… the list goes on.
- Enjoy Citi World Privileges, a handy stash of perks that includes dining discounts and other sweet deals.
Where the cherry on top hides
The Citi Rewards Card site proudly boasts 10X rewards for online groceries and shopping. But when you dig into the fine print, there’s an odd twist—*no concrete online food delivery MCC codes are listed under the bonus programme.
Seems a bit fishy, right?
How the points game works
- No monthly spend cap—feel free to shop away.
- However, you’re capped at 10,000 reward points each month through the 10X bonus scheme.
Bottom line: if you’re all about swiping on your phone and watching your points scroll up, this card’s the ticket. Just keep an eye on that 10,000‑point ceiling and a little mystery around the food delivery codes. Cheers to happy shopping!
5. Standard Chartered Simply Cash Credit Card
Meet the “Simply Zen” Card That’s as Easy as a Sunday Brunch
*What’s the deal?
*Standard Chartered’s “Simply Cash” credit card isn’t about flashy status; it’s all about keeping it tidy and rewarding your everyday spend. Grab 1.5% cash‑back on pretty much every purchase you’re allowed to earn on—think restaurants, food delivery apps, and your favorite online shops.
*Where it falls short
*Like a fridge full of groceries, you’ll find the usual “do‑not‑spend‑here” categories: bill payments, school tuition, bank fees, government levies, and topping up your GrabPay wallet. Those won’t get the cash‑back love.
*The Dining Dream Bonus
*If you love to eat out, this card has a sweet side‑kick: it unlocks discounts through Standard Chartered’s “The Good Life” benefits program. The perks are sweet as a dessert, and here’s the scoop for local spots—valid until the end of 2023.
*Discount Highlights (Singapore)
*Why It Makes Sense
*No jargon, no surprises—just a straight‑forward coupon for your wallet. Whether you’re heading to a chic bistro or grabbing a quick bite, the card doesn’t ask you to sift through complicated terms. It’s the kind of card that says, “Enjoy your meal, and here’s a bite of cash back.”
*Final Scoop
*If simplicity is your mantra, the “Simply Cash” card turns every plate and checkout into a tiny celebration, making your everyday spending feel like a win.
6. Standard Chartered Smart Credit Card
Hungry for Deals? Grab 6% Cashback on Fast Food (and More!)
Whether you’re a gourmet at posh eateries or a burger‑connoisseur who prefers the greasy side of life, the Standard Chartered Smart Credit Card has a treat up its sleeve.
Why This Card’s a Foodie’s Dream
- 6% cashback at fast‑food giants: think Burger King, KFC, McDonald’s, and Subway – every bite counts.
- 6% cashback at cozy coffee & toast spots: qualify at Fun Toast, Toast Box, and Ya Kun Kaya Toast.
Best part? No minimum spend required! You don’t have to splurge on a fancy appetizer just to pocket that 6% off your next Big Mac.
More than Just Food
Beyond the crunchy bonuses, the card unlocks a treasure trove of offers across dining, lifestyle, and more via Standard Chartered’s “The Good Life” programme. (Similar perks also available on the Simply Cash Credit Card)
How to Make the Most of This Deal
- Link your Smart Credit Card to the “The Good Life” app.
- Swipe at your favourite fast‑food joint or breakfast spot.
- Watch your cashback pile up – no fuss, no hassle.
Next time you’re tempted by a greasy burger or a steaming cup of joe, remember: With the Smart Credit Card, you can snag straight 6% back. It’s not just a card—it’s a foodie’s ticket to free money!
7. CIMB World Mastercard
Why the CIMB World Mastercard Is Your Dining Delight
Picture this: you’re plate‑full at a trendy café or ordering a late‑night feast from your favorite delivery app, and every bite earns you 2 % back. That’s the sweet spot the CIMB World Mastercard offers—you just need to spend a minimum of $1,000 a month on the card, and there’s no top‑limit on how much cashback you can rack up. No monthly cap, no “biggest spender” title needed.
Eligible Food Delivery Platforms
- Deliveroo
- Foodpanda
- GrabFood
- WhyQ
- AirAsia Food
Comparing the Cash‑Back Game
Here’s the quick rundown:
- CIMB: 2 % cashback, unlimited—earn as much as your appetite (and spend) allows.
- Citi: 6 % cashback, but only up to $80 a month. After that, it’s all‑or‑nothing.
If you’re in the trenches of hosting dinner parties for clients, friends, or that once‑in‑a‑lifetime family reunion, the CIMB card is the one that will keep you laughing all the way to your bank statement. Treat your wallet to the best deal on every bite you buy.
So next time your taste buds call, answer back with the CIMB World Mastercard—your culinary companion that pays you back when you pay forward.
8. DBS Vantage Visa Infinite Card
DBS Vantage Visa‑Infinite Card — What’s New in 2023?
Hey foodies and deal hunters! If you’re a DBS Vantage cardholder, you’ll notice a few tweaks to the rewards that were already pretty sweet. Here’s the lowdown (and a few extra perks that make the changes a no‑brainer).
Cashback (A Bit of a Shake‑Up)
Last year, every bite you took with the card earned you 4% cash‑back on dining — capped at just $2,000 per month. In 2023, that’s been trimmed down to 1.5 miles or 1.5% cash‑back for every S$1 spent locally.
Dining Offers That Treat Your Wallet
No worries! Even though the straight‑up cashback is lower, the card comes with a bunch of dining discounts that can make up for it. Check out these must‑try deals:
- 20% off à‑la card menu at Alegria.
- 15% off à‑la card menu at Shima Restaurant.
- 15% off for the à‑la card menu, Mon‑Wed, at L’Entrecôte The Steak and Fries Bistro.
- Score a 15% discount on food, plus a free welcome prosecco at MONTI.
- 15% off the buffet at Oscar’s Restaurant, Conrad Centennial Singapore.
Other Perks
There’s no monthly minimum spend requirement on the Vantage card, which is great if you’re more of a “spend when it’s a good deal” type. Still, if you’re looking to snag the Visa Infinite status, be prepared: the card is an elite one, requiring a minimum annual income of S$120,000.
Bottom line: the cashback is a bit lower, but the dining offers and no‑minimum‑spend rule make the card still worth eating into (pun intended!). Enjoy your meals and happy hunting for those discounts.
9. POSB Everyday Card
Get Your Daily Dose of Rewards with the POSB Everyday Card
Who says staying in has to be boring? Order something tasty from your favorite delivery app and the POSB Everyday Card rewards you with a 10% cash rebate—that’s basically a foodie treat on the house.
Which Delivery Apps? You Name It:
- Foodpanda
- Deliveroo
- WhyQ
And that’s not all. If you decide to dine out (but not fast food), you still get a 3% cashback on restaurants, bars, cocktail lounges, and caterers.
How to Unlock Your Rebate Jackpot
At least $800 spent on the card each month? You’re in the game. You’ll earn up to $15 cashback for each category—food delivery or dining-in. With the 10% rate, that caps at $150 for delivery, or 3% on up to $500 if you keep it strictly dining‑in.
Cook‑Up Rewards at Costco-Style (Sheng Siong) and RedMart
Tired of ordering in? Grab groceries at:
- Sheng Siong – 5% cash rebate on up to S$600 per month. No minimum spend required.
- RedMart – 8% cash rebate, but you still need to meet the $800 monthly spend requirement.
So whether you’re feeding yourself with takeout or hunting for fresh ingredients at the supermarket, the POSB Everyday Card keeps the savings flowing. Just remember to stick to the $800 rule and you’ll enjoy a sweet little thank‑you from your bank every month.
10. OCBC 365 Credit Card
OCBC 365 Credit Card Feasts on Your Foodie Lifestyle
Ever wonder how to turn every bite of your meal into a tidy little cash‑back prize?
The OCBC 365 Credit Card has you covered—especially if you love dining, ordering in, or whipping up a home-cooked spread.
What You Earn
- 6% cashback on restaurants, cafés, fast‑food joints, caterers, and even those tasty online food deliveries.
- 3% cashback when you shop for groceries to keep the kitchen stocked.
Where the Money Comes From (MCC Codes)
- MCC 5812 – Restaurants and Eating Places
- MCC 5814 – Fast Food Restaurants
- MCC 5811 – Caterers
- MCC 5411 – Grocery Stores
Online food delivery? No official MCC, but OCBC confirms that any food order processed via Visa or Mastercard online falls under the dining cashback umbrella. Think of it as the restaurant being a virtual shop.
Getting the Cash in Your Pocket
- Spend at least $800 a calendar month to unlock the perks.
- Cashback tops out at $80 each month, which means you could spend up to $1,333 on eating out or ordering in each month and still keep your savings afloat.
Burrps of a Special Deal
If the idea of Burrple Beyond has been gnawing at you, now’s the moment to bite. From now until December 31, 2023, there’s a limited‑time offer for new OCBC 365 card holders:
- Apply online for the card.
- Make at least 5 qualifying transactions within the first 30 days after your card’s approval.
- Receive a 1‑year Burpple Beyond Premium membership (worth S$99) absolutely free.
So, ready to let your wallet taste the rewards? Grab the OCBC 365 and let the savings serve you—one delicious bite at a time.
11. Maybank Horizon Card
Maybank Horizon Visa Signature Card: The Point‑tastic Dining Delight
Ever dreamt of earning points while you’re munching on your favourite local dish? The Maybank Horizon Visa Signature Card turns that dream into reality with a juicy 8x TREATS reward points for every dollar spent at local restaurants.
How It Works
- Spend at least $300 a month to unlock the points.
- You can earn a maximum of 30,000 TREATS points each month.
What Can You Do with TREATS Points?
Points aren’t just a fancy number in your account—they’re your ticket to a variety of perks:
- Retail vouchers at selected merchants
- Stylish TWG tea sets
- Delicious Fullerton Hotel cakes
- Fabulous Fullerton Hotel staycations
- OSIM massagers for that blissful unwind
- Redeem for miles on flights
- Grab cinema tickets for the latest blockbuster
Curious about the full treasure trove? Dive into Maybank’s TREATS points rewards catalogue for all the juicy details.
The Unique Dining Feature
Unlike other cards that cover a wide range of eateries, the Horizon card focuses on one particular coding—MCC 5812. This means all your point-earning feast must be at participating dining merchants under this classification.
So next time you’re craving a plate of local delights, remember: with the Horizon card, every bite becomes a step closer to tasty rewards and unforgettable experiences.
12. HSBC Visa Infinite Card
HSBC Visa Infinite vs AMEX Platinum: Which Dining Card Wins?
Picture yourself strolling into a fancy hotel, a toast in hand, and knowing that 50% of your bill is already paid for. That’s the kind of sweet spot you get with the HSBC Visa Infinite – an elite card that treats you like a VIP at the table.
Ultra‑Chic Hotel Dining
- Goodwood Park Hotel
- Fairmont Singapore
- Singapore Marriott Tang Plaza Hotel
- Swissôtel The Stamford
Each of these high‑end hotels offers a half‑off treat on select meals, so you can dine like a celebrity without breaking your bank account.
Entertainer with HSBC – The Full Package
Owning the Visa Infinite unlocks the premium tier of HSBC’s “Entertainer” program. Throw in the mobile app, and you’re looking at one‑for‑one deals and sweeping discounts at over 200 merchants island‑wide. Think of it as a foodie passport – just swipe, scan, and enjoy.
Note: Standard access to Entertainer comes with any HSBC card, but you’re short on the full buffet of restaurants unless you’ve got the Infinite version.
Show, Don’t Tell… The Income Game
It turns out money matters when it comes to card club membership:
- The HSBC Visa Infinite demands a minimum annual income of $120,000 – it’s clear that this is a top‑tier baller.
- AMEX Platinum had a lower threshold of $80,000, but that’s gone out the window. The new wording says: “subject to minimum income and internal assessment,” meaning there’s no hard line—just a grey area biggest spenders can slip into.
So… Which Card Should You Pick?
If you’re all about half‑price tastiness at upscale hotels and want the full range of deals through the Entertainer app, the HSBC Visa Infinite is your go‑to. It’s a high‑pay, high‑return kind of card.
On the flip side, if you’re after a card that feels as prestigious as a VIP pass but with a bit more breathing room on the earnings side, the AMEX Platinum takes the wheel—especially now that they’ve dropped the hard minimum and left the door open for a wider crowd.
Bottom line: Both cards are a culinary dream for food lovers. Your choice hinges on income flexibility and how deep you want your dining perks to dive. Cheers to making your next dinner a bit more dazzling!
13. UOB One Card
UOB One Card: The Cash‑Back Carnival in Singapore
If you’re still wondering where the best cashback in town lives, meet the UOB One Card. It’s the VIP of rebate rewards—primed to knock you out of the park when you hit the right spend thresholds.
Who’s on the Menu for a 15% Sweet‑Spot?
Picture this: you get a 15% rebate on your purchases at a handful of familiar places—think Dairy Farm International’s Cold Storage, CS Fresh, Giant, Guardian, 7‑Eleven, and a bunch of other store buddies. And if you love ordering in, Grab’s GrabFood will also trigger that generous payoff.
Let’s Talk Numbers (and the Slightly Skippish Math)
The math behind those juicy percentages is a tad gnarly. It involves a mix of minimum spend caps and tiered rates, so it’s not a straight‑up “cash back 15%” ticket. You’ll want to check the fine print if you’re a math‑lover or just curious about how the calculator got those numbers. A deeper break‑down lives in the full review of best cashback credit cards in Singapore (you know, where we go over all the geeky details).
Eat Like a Million Bucks: Dining Deals
What’s a cashback card if not a sidekick for skimming a few laughs on meals? With the UOB One Card, you’re in for up to 50% off at a slew of prime dining perks. Think a winning combo of:
- Marriott Café Buffet (the full-on buffet fun, but with your wallet happier)
- Orchard Café (tie yourself in with some local flavors)
- Café Mosaic (where we serve up a mosaic of dishes, and your credit card sticks out these savings)
So, whether you’re buying groceries, grabbing a quick bite, or treating your friends to a feast, the UOB One Card is ready to hand out some serious cash‑back smiles.
14. Bonus tips: How can I save more money on dining?
How to Score Tasty Savings on Your Feasts in 2023
Think you need a fancy credit card to dine out smartly? Think again! Switch tactics and keep more dough in your pocket while still enjoying delicious grub.
1. Order for Pickup, Not Delivery
- Why bother with delivery? Skip the courier cost by grabbing your meal at the counter.
- Pay with your card on the spot—many takeout apps let you use a credit or debit card for pickup bookings, earn cashback, rewards, or airline miles.
- Especially handy if the vendor is a hawker that doesn’t accept card payments—in that case, get a little extra your way.
2. Grab a Welcome Voucher Directly from the Shop
- Don’t dismiss delivery vibes; they’re often convenient.
- If a spot offers a first‑time customer discount on its own site, give it a whirl. You’ll get the sweet spot of the freebie and enjoy the treasuring of a direct dish.
- Think of it as a “welcome” handshake from the restaurant.
3. Secret Deals on Your Bank Site
- Credit cards often have exclusive dining promos—talk deals, 1‑for‑1 meals, or discounted prices at chic eateries.
- Haven’t decided what to eat? Browse those perk pages; they’re like a treasure hunt for tasty bargains.
- Scan once, munch twice! Some cards let you use the same payment card for complimentary drinks or dessert at the same location.
Want to Cancel a Card? Check Out These Banks
- Citibank, DBS, Standard Chartered, HSBC, and others—each has its own cancellation flow.
- When you’re off the edge of finance, some perks get rewounded or frozen.
Enjoy your food, save your stash, and remember: a clever card usage is less about savings and more about monetizing the snack time.
