Dining credit cards

Dining out is a favourite leisure activity for many Singaporeans. But it can be expensive, unless you have the right credit card. Choose a credit card which gives you access to not only exclusive privileges (such as reserved or preferred seating) but also to cashback, discounts or extra air miles on dining spend.

Standard Chartered Unlimited Cashback Credit Card

On Standard Chartered's website

Standard Chartered Unlimited Cashback Credit Card

Highlights

  • Honeymoon of 3% cashback on foreign currency spend
  • 1.5% cashback on all other spending worldwide
  • No cap in your way of more cashback and no min spend

Finty Rewards

  • $30 cash upon getting your card, even for existing SC cardholders

Bank promo

  • $80 cashback, no min spend ($20 cashback for existing SC cardholders)
American Express Platinum Credit Card

On American Express' website

American Express Platinum Credit Card

Highlights

  • Earn up to 10 points per $1.60 spend at partner merchants across major brands, retail outlets and restaurants
  • All other purchases still earn you 2 points per $1.60 spend
  • Points won’t expire on you
  • Redeem points as miles or over 200 fabulous rewards in fine dining, fashion, or electronics
  • Dining, nightlife, golf, and travel privileges like a boss 

Bank promo

  • Samsonite Sigma 76cm Expandable Spinner Luggage worth $600
HSBC Advance Credit Card

On HSBC's website

HSBC Advance Credit Card

Highlights

  • Up to 3.5% cashback on spending worldwide, no min spend
  • Yes please to exclusive retail, dining, entertainment, travel, and hotel privileges

Finty Rewards

  • $10 cash upon getting your card, even for existing HSBC cardholders

Bank promo

  • Samsonite T5 68cm Spinner Luggage worth $560 or $150 cashback ($30 cashback for existing HSBC cardholders)
OCBC 365 Credit Card

On OCBC's website

OCBC 365 Credit Card

Highlights

  • 6% rebate on local and overseas dining every day and for online food delivery
  • 3% rebate on local, overseas and online groceries, travel, land transport and recurring bills
  • Save up to 23% at Caltex and 20.4% at Esso on petrol, as well as 5% Cashback at all other petrol stations
  • All other purchases still get you 0.3% rebate
  • Up to $500,000 travel insurance coverage and up to $400 coverage for baggage loss

Finty Rewards

  • $10 cash upon getting your card, even for existing OCBC cardholders

Bank promo

  • $50 cash rebate
Citi Prestige Credit Card

On Citi's website

New

Citi Prestige Credit Card

Highlights

  • Earn 5 points (2 miles) per $1 overseas spend and 3.25 points (1.3 miles) per $1 local spend
  • No cap on points and miles won’t expire on you
  • A concierge team to support your lifestyle at home and abroad 
  • Complimentary 4th night stay hurray
  • Earn miles or reward points when you pay your tax, rent, condominium management fee, school fee or electricity bill with Citi PayAll on the Citi Mobile® App

Finty Rewards

  • $10 cash upon getting your card, even for existing Citi cardholders

Bank promo

  • 62,500 points (25,000 miles)
Citi Cash Back Card (Visa)

On Citi's website

Citi Cash Back Card (Visa)

Highlights

  • 8% cashback at all F&B outlets worldwide daily 
  • 8% cashback at all supermarkets worldwide daily
  • Up to 20.88% fuel savings at Esso and Shell, and 8% cashback at all other petrol stations
  • All other purchases still get you 0.25% rebate, no cap

Finty Rewards

  • $10 cash upon getting your card, even for existing Citi cardholders

Bank promo

  • $120 cash back
OCBC Frank Credit Card

On OCBC's website

OCBC Frank Credit Card

Highlights

  • Feel cool flashing your card with over 120 hip designs to choose from
  • 6% rebate on your online shopping, including Grab rides! Woohoo!
  • 5% rebate on local entertainment from Fri to Sun, 3% on other days
  • 5% rebate at selected cafés from Fri to Sun, 3% on other days
  • 3% rebate on your 1st 2 NETS FlashPay Auto Top-Ups

Finty Rewards

  • $10 cash upon getting your card, even for existing OCBC cardholders

Bank promo

  • $50 cash rebate
HSBC Visa Platinum Credit Card

On HSBC's website

HSBC Visa Platinum Credit Card

Highlights

  • 5% rebate local grocers and on your recurring TV, internet, and mobile bills
  • Save 20.2% at Caltex and 18.30% at Shell on petrol
  • 2% rebate at local restaurants
  • Earn 1 point per $1 spend for rewards on top of cash rebate

Finty Rewards

  • $10 cash upon getting your card, even for existing HSBC cardholders

Bank promo

  • Samsonite T5 68cm Spinner Luggage worth $560 or $150 cashback ($30 cashback for existing HSBC cardholders)
HSBC Revolution Credit Card

On HSBC's website

HSBC Revolution Credit Card

Highlights

  • Earn 5 points per $1 spend on online shopping, local dining, and local entertainment
  • All other purchases still earn you 1 point per $1 spend
  • Enough points can get you cash, items, or vouchers for dining, shopping, or travel

Finty Rewards

  • $10 cash upon getting your card, even for existing HSBC cardholders

Bank promo

  • Samsonite T5 68cm Spinner Luggage worth $560 or $150 cashback ($30 cashback for existing HSBC cardholders)
Citibank SMRT Card

On Citi's website

Citibank SMRT Card

Highlights

  • Up to 7% rebate at selected grocers
  • Up to 15% rebate at selected cafés
  • 5% rebate at Popular and Toys'R'Us
  • Up to 2% rebate on your EZ-Reload with no convenience fee
  • Rebates are redeemed as vouchers or offset your next purchase 

Finty Rewards

  • $10 cash upon getting your card, even for existing Citi cardholders

Bank promo

  • $120 cash back

Q&As about Dining credit cards

Who should consider a dining credit card?

If eating out is a big part of your way of life, you need to consider one of the credit cards listed on this page, either as your main card, or as an adjunct card that you remember to bring out when paying your restaurant bill in order to extract the best advantages.

You don’t need to be a regular user of upmarket restaurants in order to benefit. There are cards available to suit users of fast food services, or those who like to grab a coffee on their way to work.

Frequent diners and big spenders will need to look for a card with a high rebate cap, or no cap at all on the amount of cashback they can earn in a month or year.

At which kind of eateries can I earn benefits with a dining credit card?

Most dining cashback cards reward dining at all restaurants, cafés, bars and fast food delivery services, worldwide. A few may focus on fast food and coffee outlets only.

Restaurants located within hotels may be excluded with some cards. But other cards specifically select restaurants located within a single hotel (e.g. Singapore Marriott Tang Plaza) for particularly high discounts.

Are there credit cards which give cashback on dining, to the exclusion of other benefits?

No. Dining, or Dining & Leisure, is likely to be just one of the spending categories you can choose from. Other categories may include groceries, petrol, travel, entertainment and shopping, and it may be possible to select more than one cashback category.

What other dining benefits can I expect in addition to cashback?

Some dining cards include free membership of exclusive dining discount and privilege programs like Palate, Love Dining, The Far Card, and Citi Gourmet Pleasures. Other possibilities are invitations to special gourmet events with accompanying discounts, or 1-for-1 specials on meals and drinks.

What kind of non-dining benefits can I expect in addition to cashback?

As well as cashback on dining and other spending, you may receive one or more of the following benefits:

  • Petrol discounts
  • A sign-up or first purchase gift of cash or merchandise
  • Free Grab rides
  • Air miles or rewards points
  • One or two years annual fee waiver

Will I get a cashback or discount on dining in Singapore only?

The cashback usually applies wherever in the world you choose to dine. However, onsite discounts may be limited to restaurants in Singapore only, or to particular restaurant chains globally.

What are typical cashback or discount percentages on dining?

A typical cashback would fall between 5% and 10% for dining in restaurants and cafés, and up to 14% for online fast food delivery services. You may get a higher rebate for weekend dining.

It’s possible to receive an on-the-spot discount of between 20% and 50% at selected dining establishments (although the higher rate is more likely to apply only at more expensive upmarket restaurants).

While it is tempting simply to choose the card offering the highest percentage rebate, you need to consider other factors, such as the annual fee, any minimum spending conditions and whether there is a cap on the amount of rebate you can earn.

Is there any limit to the amount I can earn as cashback?

A few cards have no limit on the amount of cashback you can accumulate in a single month, quarter or year. Many cards do limit your earnings however, to $60 per month, for example. After this cap is reached, the rebate percentage may drop significantly (e.g. to 0.25%) or disappear altogether.

Is there a minimum spend in order to earn a cashback?

Some cards do not allocate any cashback on individual purchases below $10. Many cards will have a minimum amount to be spent each month in order to qualify for the rebate (e.g. $600 for each month in the quarter). Occasionally, the terms will stipulate that there must be a minimum number of transactions of a certain size each month, such as at least six transactions of no less than $30 each.

How often will the cashback be credited to my account?

Typically, each quarter’s cashback is credited in the second month of the following quarter.

Are there other types of dining benefit cards, other than cashback cards?

Yes. Rather than offering a cashback, some dining cards offer air miles at a higher rate on dining purchases. You could also receive other benefits, such as complimentary travel insurance and airport lounge access, with a card that focuses on a combination of air miles, dining and travel.

How much does it cost to have a dining card?

A cashback dining card is likely to have an annual fee in the region of $160 to $195, although some cards have no fee and others give a fee waiver for up to two years.

An air miles card with boosted miles on dining expenditure could cost as little as $180 or as much as $488, depending on the quantity and type of any additional benefits attached.

As always, the cost of the card needs to be weighed against the value of the benefits and rewards, and other possible fees (such as foreign currency transaction fees) and interest charges need to be taken into account.

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