Best Dining Credit Cards 2018

Eating well is one of the most central drivers of happiness in life, and it often involves dining out at restaurants and cafes. If you are looking for ways to make your meals more affordable, we think some of the cards we have reviewed below could be valuable in winning discounts and rewards. To help you out, we’ve analyzed over 100 credit cards in Singapore to narrow down the list of the best dining rewards credit cards.

Table of Contents

Best Cashback Rewards on Food: Citi Cash Back Card

If you love eating well both in and out of home, Citi Cash Back Card, also known to some as Citibank Dividend Card, could help you save a lot of money on all your meals. While it doesn’t cover some other major categories like entertainment, shopping and utility bills, Citi Cash Back’s rebate rates on groceries, dining and Grab rides are some of the highest in the market at 8%. It also does not lose out to any card in terms of petrol cashback, offering a 21% discount. Citi Cash Back also has a decently high cap on monthly cashback at S$100 so you can maximize dollar you earn back. In our view, these factors make the Citi Cash Back Card one of the best cards for foodies.


  • Annual fee: S$192.6, first year waived
  • Up to 20.88% off on petrol at Esso & Shell
  • Promotion: S$120 cash rebate welcome gift
  • 8% cash back on grocery, dining and Grab rides
  • Relatively high cashback cap of S$100 a month
  • Read Our Full Review

Best Cashback Card without Annual Fee: OCBC 365 Card

OCBC 365 Credit Card is a great card to use 365 days all year, just as the name suggests. Its well curated set of rewards on dining (6%), groceries (3%), petrol (22%), online shopping and utilities (3%) pretty cover most of people's everyday needs. While its awards on groceries may lag behind some of its competitors. OCBC 365 card is special in that it'll waiver its annual fee for an annual spend of only S$10,000. If you are an average family that enjoy both dining and dining out, this card will suit your lifestyle quite well.


  • Annual fee: S$192.6, waived for 2 years and subsequently waived for annual spend of only S$10,000
  • Up to 22.2% on petrol
  • Rebates: up to 6% on dining, 3% on online shopping, groceries and recurring monthly bills
  • Read Our Full Review

Best Miles Credit Card for Moderate Spenders: Maybank Horizon Visa Signature Card

Upgraded from Platinum Visa to Visa Signature, Maybank Horizon Platinum Visa Card is an awesome miles credit card for people who want to avoid high annual fees. While its annual fee may seem high at S$180, it actually can be waived every year if you spend just S$1,500 on the card every month (S$18,000 per year). Maybank Horizon Platinum card is also a great card to earn rewards on your dining expenditures.

For every S$1 you spend on dining or on petrol, Maybank Horizon card will award 3.2 miles, which is practically one of the best deals we've seen for these two categories. You can also earn 2 to 3.2 miles per dollar on your travel bookings and on the money you spend overseas. By providing great mile award rates for your travel expense as well as your daily needs, Maybank Horizon helps you build up miles while saving up on the annual fee you would otherwise have to spend with other cards.


  • Annual fee: S$180, waived with S$18,000 of annual spend
  • 3.2 miles for every S$1 spent on petrol, dining, taxi fares and hotel bookings via
  • Bonus: Receive a complimentary Samsonite Orfeo 69cm Spinner worth S$420 when you apply for 2 Maybank Credit Cards and CreditAble
  • 2 miles for S$1 spent on air tickets, travel packages and foreign currency transactions
  • Complimentary access to selected VIP airport lounges & travel insurance
  • Read Our Full Review

Best No Fee Miles Card for Dining: HSBC Revolution Card

HSBC Revolution Card is a great credit card that saves you money on not only your dining expenses, but also on entertainment and online shopping expenditures: each of these three categories offers 2 miles for every S$1. Not only that, HSBC Revolution provides the same 16% off on petrol and 10% off on travel bookings so you can save extra. Together with the promotional welcome offer of S$180 of cash rebate for new customers, we think HSBC Revolution card can generate approximately S$1,990 of dollar value for its users over 2 years. Though it does charge an annual fee of S$160.5, this fee is waived for the first 2 years for everyone, and subsequently waived for those who maintain an annual expenditure of S$12,500 on the card.


  • Annual fee: S$160.5. waived for 2 years, and then waived in subsquently for annual spend of S$12,500
  • 16% off on petrol at Caltex & Shell
  • Welcome Bonus: American Tourister Caravan 70cm TSA luggage (worth S$260) + up to 5% cashback on online spends + S$20 cash rebate for supplementary card
  • Read Our Full Review
  • 2 miles on online spend (shopping and travel bookings), dining, and entertainment
  • Up to 10% off on travel bookings online
  • Promotion: Save up to S$10,000 with 1,000 Entertainer 1-for-1 deals

Best Cashback Card for Singapore Power and Utility Bills: HSBC Visa Platinum Credit Card

While HSBC Visa Platinum Credit Card doesn't have the best reward on dining, it still is a great card to consider because it's so versatile. It compensates for its low 2% rebate on dining with an extremely high 5% cashback on monthly utility bills (the highest we've seen for this category), another respectable 5% cashback on groceries and 21% off on petrol. Not only that, HSBC Visa Platinum card is very unique in that it also earns you 0.4 miles for every S$1 you spend, and could double up as a travel card. Finally, the cherry on top is its 2-year fee waiver plus perpetual waiver with an annual spend of S$12,500 (about S$1,000 a month).


  • Annual fee: S$192.6, waived for 2 years, subsequently waived for an annual spend of at least S$12,500
  • 2% cashback on dining
  • Welcome Bonus: American Tourister Caravan 70cm TSA luggage (worth S$260) + up to 5% cashback on online spends + S$20 cash rebate for supplementary card
  • Read Our Full Review
  • 5% cashback on grocery & utilities like Singapore Power, cable, internet and mobile bills
  • Up to 21% off on petrol at Shell and Caltex
  • Promotion: Save up to S$10,000 with 1,000 Entertainer 1-for-1 deals

Best Miles Card for Luxury Dining Perks: OCBC Voyage Card

You shouldn't judge a book by its cover, but OCBC Voyage Card should be. Made with a special alloy, its unique look and style represent the rare combination of benefits OCBC has put together in this card. We think this card is an ideal choice for luxury diners or busy professionals who have the money to spend and are looking to earn miles quickly. Although it has a rather high annual fee of S$488, OCBC Voyage more than makes up for the fee with 2.3 miles award for S$1 spent on local dining and overseas. Not only that, it comes with various special deals at number of fine dining establishments in Singapore. Lastly, OCBC Voyage is the only card we have seen that allows you to redeem miles for any flight at any time, without a long process time or blacked out dates. We think this feature is perfect for young professionals who may not have much visibility into their schedule weeks in advance; OCBC Voyage will allow you to book your free flight last minute for that vacation you’ve been craving.


  • Annual fee: S$488, no waiver
  • Flexible miles redemption program that allows you to book any flight you want at anytime
  • Slick metal design
  • Promotion: Welcome bonus of 15,000 miles and ability to buy 150,000 KrisFlyer Miles for S$3,210 (S$0.02 per mile)
  • 1 mile per S$1 spent, 2.3 miles for S$1 spent overseas or on local dining
  • Unlimited VIP lounge access, complimentary travel insurance and free airport limo service
  • Read Our Full Review

Highest Flat Rate Cashback Card: UOB One Card

UOB One Card provides one of the highest flat rate cashbacks in the country. If you are able to monitor and manage your expenses on the card, you can maximize savings by using this card. Though somewhat complicated, UOB One Card can save you up to 5% on all of your expenditures as long as you spend just about S$2,000, S$1,000 or S$500 consistently every single month. Therefore, we think UOB One is suitable for people who have high visibility on their monthly expenses. This would most likely include families with large recurring or fixed expenditures like telecom bills or groceries.


  • Annual fee: $192.6, waived 1st year
  • Up to 24% discount on petrol at SPC and Caltex
  • Promotion: Up to S$120 of cash credit for new customers
  • Flat rate cashback of up to 5% (max S$100/month)
  • Extra interest income of up to 3.33% on your UOB One Savings account
  • Read Our Full Review

Best Entertainment Rewards Cashback Card: UOB YOLO Card

The UOB YOLO Card is one of the newest cards in the market. YOLO stands for the popular phrase “You Only Live Once,” and UOB YOLO Card is targeted at young and trendy people who like to live it up. Its motto is “Eat. Drink. Play. Repeat" and the card correspondingly provides 8% cash rebate on weekend dining and entertainment. Not only that, UOB YOLO card also helps you save 3% on all your online fashion and travel transactions. Lastly, UOB YOLO Card is offering free Grab rides on every weekend from now until 31 Dec 2017, a potentially huge source of saving. Besides providing rich cash rebates and savings, UOB YOLO also provides awesome night life perks like priority que at the best clubs in Singapore and 1-for-1 specials at bars. If YOLO if your life motto, we think you will like this card.


  • Annual fee: S$192.6, waived for the 1st year
  • 3% cash rebate on online fashion and travel transactions
  • VIP perks like priority que and free access at best clubs in Singapore, 1-for-1 specials at bars and movie theaters
  • Read Our Full Review
  • 8% cash rebate on weekend dining and entertainment (3% on weekdays)
  • Free Grab rides on weekends until 31 Dec 2017
  • Promotion: Up to S$120 of cash credit for new customers

Highest Cashback on Dining Expense: CIMB Visa Signature Card

CIMB Visa Signature Card boasts the highest reward rate in Singapore on dining; we have not seen any card that matches its 10% cashback on dining expenses. CIMB Visa Signature Card offers admittedly offers a quite limited set of rewards outside of dining (only 0.2% cash rebate on general expenses), but it’s completely free of annual fee or minimum spend requirements. Furthermore, it could double up as a travel card due to its low foreign transaction fee of 1% and complimentary travel insurance. If you are looking to save more on your dining expenses, we highly recommend the CIMB Visa Signgature card.

The only caveat to this card is that its 10% rebate on dining is capped at S$60 a month and requires a monthly spend of S$500 and 8 monthly transactions worth S$30 each. However, this should not be a major problem for most people who go out for dinners and drinks once or twice a week.


  • No annual fee
  • 1% foreign exchange transaction fee

Summary of Best Dining Rewards Credit Cards 2017

In case you want a quick look at our picks, here are ValuePenguin's best dining rewards credit cards for 2017.

Dining Credit cardsDining RewardAnnual Fee
CIMB Visa Signature10%S$0.0
Citibank Cashback Card8%S$192.6
UOB YOLO Card8%S$192.6
OCBC 365 Card6%S$192.6
UOB One Card5%S$192.6
Maybank Horizon Visa Signature Card3.2 milesS$180.0
HSBC Revolution Card2 milesS$160.5

Best Dining Credit Cards by Dollar Value

To help you find the best dining credit card in Singapore, we have prepared a chart below organizing dining credit cards by their 2-year dollar value*. We have estimated an average Singaporean's monthly expenditure patterns through research to model out likely savings from credit cards, assuming an average person spends S$2,000 every month. However, you should remember that this estimate is an approximate value based on an estimate of the average consumer's spending habits, and may differ in actual result depending on your unique set of expenditures.

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

*ValuePenguin calculates the dollar value of rewards based on S$2,000 of monthly spending. We sum the value of points, miles and cashback in dollar terms and subtract the annual fee over a 24-month period. The estimates here are ValuePenguin's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

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