Excellent! ROSHI has found 43 Dining cards for you.

ICBC Horoscope Credit Card

3.8Good to Excellent

2%Cash Back on Selected Shopping and Dining

3%Cash Back on Overseas Spend

3 yearsAnnual Fee Waiver

  • Up to 6 free visits to VIP lounges located worldwide
Apply Now

On ICBC's website

Card Features

  • Up to 3% unlimited cash back on all overseas spending
  • Complimentary access to Dragon Pass Lounges. Such as Plaza Premium Lounge, SATS Premier Lounge and more
  • Sign-up for your card today and get 6 DragonPass Points in your account. Valid till 31 Dec 2019
  • 3 years Annual Fee Waiver

Annual Interest Rate and Fees

  • Anual Interest Rate24.00%

  • Principle Annual Fee$150

  • Supplementary Annual FeeS$75

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period25 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$30,000.00

Other

  • Card AssociationUnionPay

  • Wireless PaymentQuickPass

HSBC Revolution Credit Card

3.2Good to Excellent
PROMOSamsonite T5 68cm Spinner or SGD150 cashback + SGD20 Grab rides Valid till 31st Dec 2020

S$1= 5X Pointson Online, Dining and Entertainment

S$1= 1X Pointon All Other Spend

1 Point = 0.4 MilesRewards to Miles Conversion for Selected Airline Partners

  • 2 year annual fee waiver
Apply Now

On HSBC's website

Card Features

  • 5X Rewards points (or 2 air miles) per $1 spent on Online, Local Dining and Entertainment transactions
  • $1 = 1 Reward point. No minimum spend and earn as many Rewards points as you like
  • Access over 1,000 1-for-1 deals through ENTERTAINER with HSBC at just S$5

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$150

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period20 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$40,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Apple Pay

Citi SMRT Card

3.8Good to Excellent

5%Cash Back at Selected Grocery Stores

S$600Cash Back Cap per year

S$300Min. Spend per month

  • 2 years fee waiver for Principal and two (2) Supplementary cards
Apply Now

On Citibank's website

Card Features

  • Up to 5% savings on Groceries. 2.7% + 2% (for transactions above $50) + 0.3% (if monthly card spend is at least $300)
  • Up to 5% savings on Fast Food, Movies & Coffee. 4.7% + 0.3% (if monthly card spend is at least $300)
  • Up to 3% savings on Online Shopping. 2.7% + 0.3% (if monthly card spend is at least $300)
  • Up to 2% EZ-Reload Auto Top-up. 0.3% + 1.7% (If top-up more than $30. If $30 or less, 0.7% awarded instead)
  • Savings awarded in SMRT$. SMRT$ can be redeemed for cash rebate or vouchers

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$193

  • Supplementary Annual Fee$96.30

  • Fee WaiverAvailable

  • Minimum Monthly Repayment1% or S$50, whichever is higher

  • Interest Free Period25 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$42,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Samsung Pay

American Express The Platinum Card

4.5Good to Excellent

S$1.60 = 20 Pointsfor first S$16,000 spent at participating Platinum EXTRA Partners

Exclusive Accessto the Tower Club, Pall Mall London and more

1 Point = 0.625 MilesRewards to Miles Conversion for Singapore Airlines and more

  • 75,000 Membership Rewards® Points Welcome Bonus*
Apply Now

On American Express's website

Card Features

  • Exclusive access to Platinum Vibes at Marina at Keppel Bay, Tower Club, Pall Mall London, among others
  • Enjoy an annual 2D/1N stay in the St. Regis or W Hotel Singapore as a Membership anniversary gift
  • Up to 50% savings at selected hotels and restaurants such as Marriott, St. Regis, Lawry’s and TWG among others
  • Receive S$800 Travel Credits annually (S$400 Air Travel Credit + S$400 Lodging Credit) by booking through The Platinum Concierge
  • Earn 20 Membership points per S$1.60 spent at Platinum EXTRA partners, capped at S$16,000 spent

Annual Interest Rate and Fees

  • Anual Interest RateN/A

  • Principle Annual Fee$1712

  • Supplementary Annual Fee$160.50 (First 2 Supplementary Cards fee permanently waived)

  • Fee WaiverNot Available

  • Minimum Monthly RepaymentN/A

  • Interest Free PeriodN/A

Minimum Income Requirements

  • Singaporean$200,000.00

  • Foreigner$200,000.00

Other

  • Card AssociationAmerican Express

  • Wireless PaymentN/A

UOB Lady’s Card

4.5Good to Excellent

S$5 = 10X UNI$on One Category

S$5 = 1X UNI$on All Other Spend

1 UNI$ = 2 MilesRewards to Miles Conversion

Apply Now

On UOB's website

Card Features

  • 10X UNI$ on your chosen rewards category
  • e-Commerce Protection on online purchases
  • UOB Lady’s LuxePay Plan: 6 or 12-month instalment plan with no interest or processing fees

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$193

  • Supplementary Annual FeeS$96.30

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period21 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$40,000.00

Other

  • Card AssociationMastercard

  • Wireless PaymentMasterCard PayPass, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

UOB Preferred Platinum Visa Card

4.5Good to Excellent

S$5 = 10X UNI$on Online Shopping, Entertainment & Contactless Payments

S$5 = 1X UNI$on All Other Spend

1 UNI$ = 2 MilesRewards to Miles Conversion

Apply Now

On UOB's website

Card Features

  • 10X UNI$ on online purchases and entertainment
  • 10X UNI$ on Visa payWave
  • Earn SMART$ rebates at over 400 participating outlets and use it to offset your next purchase

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$193

  • Supplementary Annual Fee96.3

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period21 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$40,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

UOB YOLO Credit Card

3.5Good to Excellent

Up to 8%on Online, Grab, Dining and Entertainment spend

Up to S$80Cash Back Cap per month

S$600Min. Spend per month

Apply Now

On UOB's website

Card Features

  • Up to 8% cash back on Online, Grab, Dining and Entertainment spend (3% weekday; 8% weekend)
  • Up to 28% off at ZALORA, Lazada and more
  • Up to 18% off at Expedia, Agoda and more
  • Free Travel Insurance Coverage when you charge your travel tickets to your card (Up to $500,000)
  • 0.3% cash back on all other spend
  • Minimum spend of S$600 per statement month for 8% and 3% cashback, otherwise 0.3% cashback earned on all spend.
  • Total cash back capped at S$80 per month, consisting of S$20 bonus cash back and S$60 base cash back

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$193

  • Supplementary Annual FeeN/A

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period21 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$40,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

UOB One Card

4.3Good to Excellent

Up to 10%rebate on Grab

S$300Cash Back Cap per quarter

S$2000Min. Spend per month

Apply Now

On UOB's website

Card Features

  • Up to 5% cash rebate on all spend for spend above S$2,000/month per quarter (up to 3.33% cash rebate for spend of $500 or $1,000 monthly)
  • Up to 24% savings on fuel purchases at SPC and 20.8% at Shell Stations
  • Up to 10% additional SMART$ rebate with UOB SMART$ Rebate Programme at over 400 participating merchants
  • Up to 6% rebate on Singapore Power utilities bill

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$193

  • Supplementary Annual Fee1st supplementary card free, $96.30 for subsequent cards

  • Fee Waiver1 year fee waiver

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period21 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$40,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

Standard Chartered Platinum Visa/MasterCard Credit Card

3.8Good to Excellent

S$1 = 2X Pointson All Spend when you open a SCB Current Account

S$1 = 1X Pointon All Other Spend

1 Point = 0.4 MilesRewards to Miles Conversion

  • Higher rewards on credit card spend
Apply Now

On Standard Chartered's website

Card Features

  • Earn up to 300 additional Rewards Points per month on your other banking relationships in deposits, mortgages, investments and online transactions
  • Enjoy exclusive Platinum privileges from leading hotels, golf courses, restaurants and merchants
  • 24-hour Concierge to help you with travel arrangements, reservations, shopping and gift services

Annual Interest Rate and Fees

  • Anual Interest Rate26.90%

  • Principle Annual Fee$193

  • Supplementary Annual FeeN/A

  • Fee WaiverAvailable

  • Minimum Monthly Repayment1% or S$50, whichever is higher

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$60,000.00

Other

  • Card AssociationMasterCard, Visa

  • Wireless PaymentMasterCard PayPass, Visa payWave, Apple Pay, Samsung Pay, Google Pay

Standard Chartered Visa Infinite Credit Card

3.6Good to Excellent

S$1 = 1.4 MilesLocal Spend

S$1 = 3 MilesOverseas Spend

35,000 MilesWelcome Gift

Apply Now

On Standard Chartered's website

Card Features

  • Get 35,000 Miles when you apply for SCB Visa Infinite Credit Card via MoneySmart
  • $1 = 1.4 miles (Local)
  • $1 = 3 miles (Overseas)
  • Up to six complimentary visits each year with the Priority Pass lounge programme
  • Complimentary Travel Accident Insurance coverage of up to S$1,000,000

Annual Interest Rate and Fees

  • Anual Interest Rate26.90%

  • Principle Annual Fee$589

  • Fee WaiverNot Available

  • Minimum Monthly Repayment1% or S$50, whichever is higher

  • Interest Free Period22 days

Minimum Income Requirements

  • Singaporean$150,000.00

  • Foreigner$150,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave

  • Dining Basics

  • FAQs

  • Ask Away

How Exactly Does a Dining Credit Card Work?

Dining credit cards work in much the same way as any other credit card. The main difference is that you earn rewards for restaurants and food-related businesses rather than from other places.

You can earn a multitude of rewards from cashback to miles. You will also gain certain discounts at specified places. There are some requirements involved, such as the following:

  • You must reach a minimum spend to gain the cashback or discount offer
    The rewards rates are different during weekdays and weekends
    There’s a monthly cap on how much cashback you can receive

How can I Choose the Best Credit Card for Dining Purposes?

The best card will depend on where you tend to dine out the most. You want to find a card that fits your typical monthly spending habits as well as provides benefits for the places you go to most often.

On top of those things, take note of the deals and fees you will need to deal with. When you find the card with the best of these options, you will have found your ideal dining credit card!

Best Dining Credit Cards in Singapore (2020)

Provider PromotionPromotionValid Until
DBS 1 for 1 Dinner PromotionSeasonal Tastes (The Westin Singapore)31-12-2020More Details
UOB 1 for 1 Dinner PromotionEscape Restaurant & Lounge, One Farrer Hotel31-12-2020More Details
OCBC 1 for 1 Buffet PromotionHoliday Inn Singapore Atrium, Atrium Restaurant31-01-2021More Details
Citibank 1 for 1 Buffet PromotionAsian Market Café, CLOVE and Plate @ Carlton
City Hotel
31-12-2020More Details
AMEX 1 for 1 Buffet PromotionAtrium Restaurant, Holiday Inn Singapore Atrium31-12-2020More Details

Dining Credit Card Promotions

Promotional offers are extremely versatile. There are options for people who eat small portions to those who prefer buffets and all-you-can-eat options. Make sure to pick a credit card that fits your needs. Take a look at two of them now:

Buffet Promotions
If you happen to enjoy a buffet, then this promotion type is for you! You can get anywhere up to 50% off certain buffets during public holidays or even some weekends. Each venue has a different promotion with a different bank. Make sure to check out all the options before landing one!
High Tea Promotions
High tea is quite different from a buffet but equally as valuable if that is the type of dining that you’re more interested in. Credit cards with high tea promotions offer discounts varying from 5% and 50%, depending on where you look.

Main Advantages of Dining Credit Cards

The rewards points you earn on top of your discounts can be cashed in for anything from air miles to cash. Most dining credit cards offer both discounts and rewards points from a single purchase.

What are Credit Card Dining Privileges?

Credit cards can reward you in a variety of ways when it comes to restaurant meals and bar drinks. You can get rewards such as cashback, miles, discounts, etc.

If you’re the type of person who loves eating out and looking into new places to eat, consider getting a credit card that suits your needs.

How Do I Redeem Offers and Promotions?

It will depend on what type of reward you are trying to redeem. Some restaurants will simply give you a discount right away and you won’t need to do anything other than use the right credit card. In other cases, you may earn rewards points depending on how much you spend with that card. Others even provide you with a free meal after spending a certain amount.

Make sure you know how the rewards system of your credit card works so that you can utilize it properly when you go out to eat.

Can I Earn Cashback with a Dining Credit Card?

Yes, certain dining credit cards offer cashback rewards. Typically, you will have a minimum spend that you must reach before earning the cashback reward. Most cards also have a maximum cashback, though a few are unlimited.

What Will I Gain from Using a Credit Card for Dining?

You can gain either rewards points or cashback prizes from using a credit card for dining. On top of those, most dining credit cards will also offer exclusive discounts at specified restaurants.

How Will I Redeem These Promotions?

Each credit card follows a specific rewards program. You can easily keep track of your points or rewards by checking this system after making your purchases. Take note that some promotions require you to register your credit card on their website before you can redeem them.

Is There an Overseas Cashback Dining Option?

Yes, there are tons! To learn about them, simply check out our dining credit card comparison tool and find out which offers the best cashback rewards!

What Things Should I Take Note of While Utilizing My Dining Credit Card?

Keep a close eye on what restaurants your bank has promotions with. On top of that, look out for holiday or weekend promotions that may give you additional rewards.

Lastly, look out for a possible expiry date on your rewards. Many credit cards have them, so ensure that you spend your points before they expire.

What Fees Should I Expect with My Dining Credit Card?

The main fees to watch out for are annual fees and penalty fees. You can learn all about them in the terms and conditions of your card. Make sure to check this out before buying the card!

How Many Dining Credit Cards Should I Have at Once?

It depends on if you can keep up with more than one card at a time. You will typically need to spend a certain amount each month on each credit card. If you believe you can keep up with both and that you go to the dining locations where you can redeem points for both cards, go for it!

Does My Dining Credit Card Apply to Online Food Deliveries as Well?

Again, it depends on each credit card. However, most dining credit cards apply to online food delivery services as well.

Have a question? Ask us about anything!

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