9 best credit cards for dining privileges in Singapore for all you food lovers out there

Singaporeans love food. There’s no denying our vibrant food culture considering the long, snaking lines whenever the next ‘it’ cafe (or McDonald’s burger) crops up, with our Instagram feeds being flooded the second something new hits the scene.

And what better way is there to celebrate said food culture than by getting rewarded for it? Yup, we’re talking about credit cards that offer you something in return for all that dining out you’ve been doing. Think amazing advantages such as cashbacks, points or even air miles, all for doing what you love. Uh, score!

Have we piqued your curiosity just yet? If all this talk is already making your stomach rumble (understandable), check out the 9 best credit cards in Singapore for dining privileges that all you foodies need to know about. We swear, your stomach will love you for it,

1. OCBC 365 Credit Card

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With a staggering 6% cashback dining every day, it’s no surprise that the OCBC 365 Credit Card ranks high amongst our best credit cards for dining privileges in Singapore list.

The 6% cashback dining doesn’t even just apply to local food establishments, but overseas ones, too! Oh, and did we mention that it applies for online food delivery services as well? Yup, with this baby, you pretty much have all your bases covered when it comes to satisfying your belly.

Do note, though, that SGD800 minimum spending is required, and that there is a cashback cap of SGD80. Don’t let the large SGD800 sum fool you, though— all of your typical day-to-day purchases can be counted towards your minimum spending, so you should be able to hit it in no time.

It is highly recommended that you apply for this card if you:

  • Are a OCBC 360 savings account user who needs to spend on a OCBC card.
  • Prefer to have a single card for general spending since it also offers rebates on groceries, online shopping, and telco bills.

Am I eligible for the OCBC 365 Credit Card?

All OCBC 365 Credit Card holders have to be 21 and above. They also have to have an annual income of SGD30,000 and above for Singaporeans and Singapore PRs, while foreigners must have an annual income of SGD45,000 and above.

For more information, click here.

Apply for the OCBC 365 Credit Card online here.

2. American Express Platinum Credit Card

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You’re not getting any cashbacks when it comes to the American Express Platinum Credit Card, but what about 50% off the total bill at over 50 restaurants located island-wide? And mind you, these aren’t for places that you haven’t heard about for the life for you. Popular establishments include Spizza, Harry’s and Sky22, as well as dining establishments within top hotels such as the Fairmont Singapore and Swissotel The Stamford Singapore.

Do note that the 50% off only applies when you’re dining with a friend. Those dining alone still can enjoy 15% off, though, and those dining with two friends can get up to 35% off. Those applying for the first time also gets to enjoy a SGD120 rebate, and an auto enrollment for the Frequent Traveler option with waived enrollment fees.

It is highly recommended you apply for this card if you:

  • Have a substantial income and enjoy dining out.
  • Foresee yourself dining out frequently with your partner.

Am I eligible for the American Express Platinum Credit Card?

All American Express Platinum Credit Card holders have to be over 21 years of age. They also have to have an annual income of SGD50,000 and above for Singaporeans and Singapore PRs, while foreigners must have an annual income of SGD60,000 and above.

For more information, click here.

Apply for the American Express Platinum Credit Card here.

3. UOB Yolo Credit Card

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Widely regarded as the card for millennials, the UOB Yolo Credit Card is one of the best credit cards for dining privileges in Singapore – and we’re not surprised at all.

You can get up to 8% cashback on dining and entertainment both locally and overseas and 3% cashback on weekdays. They also offer 0.3% cashback on all other expenses, with there being a 12% rebate for dining all week for new cardholders only. Do note that this 12% rebate only applies for the first three months, though!

A minimum spending of SGD600 is required, with the cashback cap being SGD60. But considering how it also applies to food delivery services, online, and overseas food transactions, we’ll say that it’s probably not too difficult to hit the required amount. You’ll also get to enjoy special promotions at popular hangouts such as Overeasy and The White Rabbit for 1-for-1 drinks promotions, with there being 10-20% discounts for establishments such as Brine, Carousel at Royal Plaza on Scotts, and more!

It is highly recommended you apply for this card if you:

  • Enjoy good food and a night out.

Am I eligible for the UOB Yolo Credit Card?

All UOB Yolo Credit Card holders have to be over 21 years of age. They also have to have an annual income of SGD30,000 and above for Singaporeans and Singapore PRs, while foreigners must have an annual income of SGD40,000 and above.

For more information, click here.

Apply for the UOB Yolo Credit Card here.

4. Citi Cash Back Card

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Hold on to your horses, folks, because you can get up to 8% cashback for dining anywhere in the world with the Citi Cash Back Card. Say what?! Yup, and you can even enjoy up to 10% rebate at selected franchises such as Burger King and Starbucks.

This card does have a rebate cap of SGD25, though, so make sure to plan your dining out excursions carefully. There is also a required minimum spending of SGD888 per month, but it shouldn’t be an issue considering how it applies to non-dining transactions as well. Plus, you’ll get exclusive card member promotions from various upscale restaurants such as The Line at Shangri-La Singapore, La Brasserie at The Fullerton Bay Hotel, and so on.

With pros like these, it’s no wonder the Citi Cash Back Card is considered to be one of the best credit cards for dining privileges in Singapore, really.

It is highly recommended you apply for this card if you:

  • Spend a lot on food, whether it comes to dining out or delivery.

Am I eligible for the Citi Cash Back Card?

All Citi Cash Back Card holders have to be over 21 years of age. They also have to have an annual income of SGD30,000 and above for Singaporeans and Singapore PRs, while foreigners must have an annual income of SGD42,000 and above.

For more information, click here.

Apply for the Citi Cash Back Card here.

5. POSB Everyday Card

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Voted as Singapore’s most owned, utilised, and desired credit card, the POSB Everyday Card is great for all you food lovers out there, too. Offering 9% cashback for dining on weekends and 3% cashback for dining on weekdays, this bad boy also gets 14% cashback for food delivery services such as Foodpanda, Deliveroo, and more. Score!

It can even double as an ATM card, and a reloadable EZ-link card for those that prefer to travel light. A minimum spending of SGD600 is required, though it really shouldn’t pose too much of a problem to hit it since day-to-day expenses can go towards this minimum spending as well.

It is highly recommended you apply for this card if you:

  • Have a big family who enjoys spending on dining and delivery as well.

Am I eligible for the POSB Everyday Card?

All POSB Everyday Card holders have to be over 21 years of age. They also have to have an annual income of SGD30,000 and above for Singaporeans and Singapore PRs, while foreigners must have an annual income of SGD45,000 and above.

For more information, click here.

Apply for the POSB Everyday Card here.

6. CIMB Visa Signature Card

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A 10% cash rebate when you head out to wine and dine is precisely what cemented CIMB Visa Signature Card as one of the top contenders when it comes to being one of the best credit cards for dining privileges in Singapore. You also get 0.2% cashback on other expenses, 1% foreign transaction fee, and complimentary travel insurance!

A minimum spending of SGD500 is required (easy peasy), with there being a cap of SGD60 per month. All of this is precisely what makes it so useful for frequent travelers who adore food. Hmm, sounds familiar, doesn’t it?

It is highly recommended you apply for this card if you:

  • Travel a lot, and make it a point to eat out frequently whilst doing so.

Am I eligible for the CIMB Visa Signature Card?

All CIMB Visa Signature card holders have to be over 21 years of age. They also have to have an annual income of SGD30,000 and above for Singaporeans and Singapore PRs, though those aged 55 years and above can do so at SGD15,000.

For more information, click here.

Apply for the CIMB Visa Signature Card here.

7. HSBC Revolution Credit Card

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A credit card with no minimum spending required to get rewarded? Yes, please! Well, that’s what you’ll get with the HSBC Revolution Credit Card. This bad boy offers 5x reward points on dining, entertainment, and online purchases, which is the equivalent to two miles for every dollar spent. Neat!

The lower salary requirement, no minimum, and no cap makes this particularly feasible for those looking for an more affordable credit card option while still wanting to gain some rewards from frequent usage.

It is highly recommended you apply for this card if you:

  • Love traveling as much as you do eating.

Am I eligible for the HSBC Revolution Credit Card?

All HSBC Revolution Credit Card holders have to be at least 21 years of age. They also have to have an annual income of SGD30,000 and above for Singaporeans and Singapore PRs, while foreigners must have an annual income of SGD40,000 and above.

For more information, click here.

Apply for the HSBC Revolution Credit Card here.

8. Maybank Horizon Visa Signature Card

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A closely guarded secret, or a highly underrated card? From what we know about it, we will have to say it is more of the latter. Earn up to 3.2 air miles for every dollar you spend on dining. And that’s not all! This even applies to money spent on taxi fares, hotel bookings, and even petrol costs.

Unfortunately, dining isn’t included in this aspect, but you can also earn up to two air miles for every dollar spent on petrol, cab fares, and hotel bookings made through select travel sites. Still, the air miles will probably pay for your flight ticket to a foreign land where you can chow down on some great eats, so your tummy will still be satisfied, all the same.

It is highly recommended you apply for this card if:

  • Are a frequent diner who loves to travel and prefers air miles over rebates.

Am I eligible for the Maybank Horizon Visa Signature Card?

All Maybank Horizon Visa Signature Card holders have to be at least 21 years of age. They also have to have an annual income of SGD50,000 and above for Singaporeans and Singapore PRs, while foreigners must have an annual income of SGD60,000 and above.

For more information, click here.

Apply for the Maybank Horizon Visa Signature Card here.

9. Bank Of China Family Card

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This hidden gem is, undoubtedly, one of the best credit cards for dining privileges in Singapore. With 10% cash rebate on both local and overseas dining and a 5% rebate on supermarket purchases, your stomach (and wallet!) will be absolutely content.

Do note that their dining cashback is capped at SGD30 per month, though, and you are required to spend SGD700 a month. Still, the fact that you’re able to get cashback on groceries, online shopping and even telco bills makes it an extremely versatile card that will make a great addition to any food junkie’s wallet.

It is highly recommended you apply for this card if:

  • Dine out and eat in both frequently. Particularly great for those with big families!

Am I eligible for the Bank Of China Family Card?

All Bank Of China Family Card holders have to be at least 21 years of age. They also have to have an annual income of SGD30,000 and above for Singaporeans and Singapore PRs, while foreigners must have an annual income of SGD60,000 and above.

For more information, click here.

Apply for the Bank Of China Family Card here.