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Best credit cards for dining in Singapore (2026)

On the spending below, the Maybank Family & Friends pays about S$1,086 a year after its annual fee, ahead of the OCBC 365 at S$1,034. We ranked 27 cards using each bank's published rates, caps and minimum spend.

Last verified 27 Oct 2026 against each bank's own terms.

  1. Maybank

    Maybank Family & Friends

    Cashback1st year fee waived

    S$1,086/yr

    S$1,283 cashback a year

    − S$196 fee

    Dining & delivery at 8% · Groceries at 6%

  2. OCBC

    OCBC 365

    Cashback1st year fee waived

    S$1,034/yr

    S$1,231 cashback a year

    − S$196 fee

    Dining, groceries, transport, petrol at 6% · Everything else at 0.25%

  3. UOB

    UOB One

    Cashback1st year fee waived

    S$892/yr

    S$1,088 cashback a year

    − S$196 fee

    Quarterly cashback S$200 · Extra: supermarkets at 4.67%

  4. Citi

    Citi Cash Back

    Cashback1st year fee waived

    S$764/yr

    S$960 cashback a year

    − S$196 fee

    Dining & delivery at 6% · Supermarkets at 6%

  5. HSBC

    HSBC Revolution

    Miles

    S$681/yr

    45,425 miles a year ≈ S$681

    No annual fee

    Contactless/online at bonus merchants at 3.33 mpd · Everything else at 0.33 mpd

  6. HSBC

    HSBC Live+

    Cashback1st year fee waived

    S$651/yr

    S$847 cashback a year

    − S$196 fee

    Dining, delivery & shopping at 5% · Everything else at 0.3%

  7. UOB

    UOB Lady's

    Miles1st year fee waived

    S$623/yr

    54,624 miles a year ≈ S$819

    − S$196 fee

    Chosen category: Dining at 4 mpd · Everything else at 0.4 mpd

  8. UOB

    UOB EVOL

    Cashback

    S$573/yr

    S$573 cashback a year

    No annual fee

    Online at 10% · Telco & streaming at 10%

  9. Standard Chartered

    SC Journey

    Miles

    S$462/yr

    43,872 miles a year ≈ S$658

    − S$196 fee

    Other local spend at 1.2 mpd · Ride-hailing & food delivery (online) at 3 mpd

  10. DBS

    DBS Woman's World

    Miles1st year fee waived

    S$443/yr

    42,624 miles a year ≈ S$639

    − S$196 fee

    Online spend at 4 mpd · In-store spend at 0.4 mpd

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What to look for

Dining bonuses differ on what counts: some cards include food delivery apps, some need a minimum total spend in the month, and a few only pay the bonus on mobile payments. This ranking uses someone who spends S$800 a month eating out and S$250 on delivery.

The spending we used

CategoryPer month
DiningS$800
Food deliveryS$250
GroceriesS$400
Ride-hailing & taxisS$150
Bus & MRTS$80
Online shoppingS$300
Foreign currencyS$100
Mobile, internet & streamingS$120
Everything elseS$300
TotalS$2,500

Annual fees are subtracted. Miles are valued at 1.5¢ each. Mobile-payment-only bonuses are not counted unless you switch them on in the finder. How we calculate.

Common questions

What are the best credit cards for dining in Singapore?

On our test profile the top card is the Maybank Family & Friends from Maybank, at about S$1,086 a year after fees. The best card for you depends on your own mix of spending, which you can enter in the card finder.

How are these cards ranked?

By estimated yearly value after the annual fee, using each card's published earn rates, caps and minimum spend. Miles are valued at 1.5 cents. Welcome offers, promotions and single-merchant deals are not counted.

Does any bank pay for its position?

No. The order comes only from the calculation. card.sg is not paid by any bank to list or rank cards.

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