Why Trust MoneySmart?Let's be honest—with how much Singaporeans love our late night suppers, food delivery has basically become a fixed cost of living. So why let all that spend go to waste on a card that gives you nothing back?
The right credit card can turn your weekly delivery habit into real cashback, miles, or points. But with banks constantly rotating promos, minimum spends, and "new-to-bank" fine print, figuring out which card actually rewards your GrabFood cravings (versus one that just looks good on paper) takes some digging.
Here's a breakdown of the best credit cards for food delivery in Singapore right now, which platforms they actually cover, and how to pick the right one based on how (and where) you order.
Key Takeaways
No single card wins everywhere: UOB One leads for GrabFood loyalists, DBS yuu is built for Foodpanda fans, while HSBC Revolution and Citi Rewards cover cross-platform online spending best.
Cashback vs points/miles comes down to preference: Cashback cards (UOB One, OCBC 365, POSB Everyday) give straightforward monthly rebates, while points cards (HSBC Revolution, Citi Rewards) suit those collecting for travel or vouchers.
Minimum spends can make or break your rewards: Most cards require S$600–S$800/month to unlock top-tier cashback, except HSBC Revolution, which has no minimum spend at all.
How you pay matters: rewards are usually only triggered when your order is coded as "dining" or "online" spend, so paying via e-wallets or top-ups (like GrabPay) may not qualify.
Latest Credit Card Promotions for Food Delivery in Singapore
Here are the freshest credit card promotions and reward offers available in Singapore, highlighting sign-up exclusives, bonus earn rates, and essentials like minimum spend and expiry windows.
1. HSBC Revolution Credit Card
Promotion: Get up to S$400 Cash or 6,140 SmartPoints (worth up to S$499 of Gifts) when you spend S$500 from card account opening date to the end of the following month. Plus, gain entry into a S$15,000 dream holiday lucky draw.
Requirements: Apply via MoneySmart, be a new-to-HSBC cardholder, provide marketing consent, and spend at least S$500 in qualifying transactions.
Validity: Until 12 July
Bonus rewards: Earn up to 20x reward points per S$1 spent on contactless and online transactions—includes dining, shopping, food delivery, ride-hailing (with extra boost if you pair with HSBC Everyday Global Account). No annual fee.
Eligibility: Singaporeans/PRs (min. S$65,000 annual income, or S$30,000 with suitable HSBC relationship balances).
Platforms covered: GrabFood, Foodpanda (via online spend).
2. OCBC 365 Credit Card
Promotion: Get S$250 cash or 3,900 SmartPoints (enough for Apple AirPods Pro 3, worth S$349) when you apply and spend S$400 within 30 days.
Requirements: Apply through MoneySmart, be a new-to-OCBC 365 Cardholder, spend a minimum of S$400 within 30 days of approval.
Validity: Until 8 July
Bonus rewards: 5% cashback on dining—including online food delivery and takeaways—plus 3% cashback on groceries, streaming and ride-hailing. Spend at least S$800/month to unlock cashback rates.
Eligibility: Singaporeans/PRs (min. S$30,000 annual income; S$15,000 if 55+), Foreigners (S$45,000).
Platforms covered: Extends to GrabFood, Foodpanda (under dining and food delivery category).
3. Citi Rewards Card
Promotion: Apply and spend S$500 within 30 days to choose S$400 cash or 6,140 SmartPoints (worth up to S$499 of Gifts), plus a chance for a S$15,000 travel draw.
Requirements: Apply as a new-to-Citibank main cardholder through MoneySmart, activate card and hit S$500 minimum spend within 30 days.
Validity: Valid until 19 July
Bonus rewards: 10x Points on all online spending—including food delivery, groceries, and ride-hailing transactions. Capped at 9,000 bonus points monthly.
Eligibility: Singaporeans/PRs (min. S$30,000), Foreigners (S$42,000).
Platforms covered: Most food delivery platforms when paid online (e.g., GrabFood, Foodpanda).
4. UOB One Card
Promotion: Get S$100 Samsung e-vouchers when you spend a min. of S$1,000 in the first month from card approval and enjoy 10% off at Samsung online store.
Requirements: Apply via MoneySmart, new-to-UOB, spend a minimum of S$1,000 worth of Eligible Transactions in the first month to be eligible for the $100 Samsung e-voucher
Validity: Until 30 September
Bonus rewards: Up to 10% cashback on Grab, McDonald's, Shopee, SimplyGo, and up to 8% cashback on groceries. Cashback tiers based on monthly spending (S$600, S$1,000, or S$2,000 with 10 transactions/month).
Eligibility: Singaporeans/PRs (min. S$30,000), Foreigners (S$40,000).
Platforms covered: GrabFood (part of Grab partner bonus); not specific to Foodpanda, but covers food delivery if transacted via Grab.
For more on rewards cards and maximising your monthly cashback, browse MoneySmart's full credit card promo list.
Comparison Table
Card Name | Rewards Type | Delivery Platform Coverage | Annual Fee (Waiver) | Min. Income (SG/PR | Foreigner) |
UOB One Card | Cashback | GrabFood (up to 10%) | S$196.20 (1st year waiver) | S$30,000 / S$40,000 |
OCBC 365 Credit Card | Cashback | GrabFood, Foodpanda* | S$196.20 (2 yrs waiver, min S$10k p.a.) | S$30,000 (21–54), S$15k (55+), S$45k (Foreigner) |
Citi Rewards Card | Points | Online food delivery (all major) | S$196.20 (waiver available) | S$30,000 / S$42,000 |
HSBC Revolution Credit Card | Points/Miles | GrabFood, Foodpanda | S$0 (No annual fee, ever) | S$65,000 or S$30,000** / S$65,000 |
DBS yuu Visa Card | Cashback/Points | Foodpanda (yuu-partnered) | S$196.20 (1st year waiver) | S$30,000 / S$45,000 |
POSB Everyday Card | Cashback | Online food delivery (daily spend) | S$196.20 (1st year waiver) | S$30,000 / S$45,000 |
*Classified under dining/food delivery. Check eligibility for each platform with OCBC. **Lower requirement applies with sufficient HSBC relationship balance.
How to Choose: Cashback vs Miles vs Rewards Cards for Food Delivery
When picking a credit card for food delivery in Singapore, it's crucial to understand how cashback, miles, and rewards (points) cards differ—especially in how they reward your orders from GrabFood and Foodpanda.
Cashback credit cards
What they offer: Cashback cards return a percentage of your spend directly as cash rebates on your monthly statement.
How they work for food delivery: If your card includes "dining" or "online food delivery" as a cashback category, you'll typically receive a set percentage back on those transactions. For example:
UOB One Card gives up to 10% cashback on Grab (including GrabFood) and tiered cashback based on monthly spend and number of transactions.
OCBC 365 Credit Card offers 5% cashback on dining (including food delivery and takeaways) when you meet the minimum monthly spend.
Best for:
Large households placing frequent or high-value food orders
Users who want simple, visible rebates without tracking points or juggling conversion rates
Deal chasers who structure their spend to hit monthly requirements
Actionable tip: Cashback is often "capped" per month, and you may need to meet minimum spends. Always confirm that food delivery transactions are recognised under the correct category to qualify.
Miles credit cards
What they offer: Miles cards reward you with air miles (usually convert points to miles), best for those collecting towards travel redemptions.
How they work for food delivery: Spending on food delivery, if coded as "online" or "dining," can earn bonus points convertible to miles. For instance:
HSBC Revolution Credit Card earns up to 20x reward points (convertible to miles) on eligible online food delivery.
Citi Rewards Card gives 10x points—which you can transfer to frequent flyer miles—on food delivery apps paid online.
Best for:
Regular travellers or planning for future trips
People who value miles over straight cash savings
Users who consistently hit bonus earning conditions
Actionable tip: Not all food delivery spend always qualifies for maximum rewards—check whether your platform and payment method are recognised by your bank for high earn rates.
Rewards (points) credit cards
What they offer: Points cards award you rewards points for every dollar spent. These points can be exchanged for vouchers, gifts, cashback, or converted to miles.
How they work for food delivery:
Citi Rewards Card and HSBC Revolution Credit Card both let you rack up points quickly for online orders (including food delivery).
Points are often capped monthly (e.g., Citi Rewards Card caps bonus points at 9,000/month on online spend).
Best for:
Users who enjoy flexibility—points can be used for shopping, travel, and more
Those who want a long-term stash of points for big redemptions
Deal seekers who maximise regular online spend across categories
Actionable tip: Always review the expiry rules for points and check if your preferred food delivery apps, when paid via credit card, are included in the points bonusing list.
Best Credit Cards for Major Food Delivery Apps and User Types
Choosing the best credit card for your food delivery habits makes a real difference—whether you're a GrabFood devotee, Foodpanda power-user, or a deal-seeking student. Here's a quick guide to the standout options available, segmented by platform and user type.
Top credit cards by food delivery app
GrabFood
UOB One Card
Why: Earn up to 10% cashback on Grab (including GrabFood), provided you hit the right spend/transaction tiers monthly. Cashback is on actual Grab transactions—not top-ups.
Promo highlight: S$100 Samsung e-vouchers when you spend a min. of S$1,000 in the first month from card approval
Eligibility: S$30,000 annual income for Singaporeans/PRs.
Note: Best for users who can plan and commit to monthly thresholds.
Foodpanda
DBS yuu Visa Card
Why: Up to 18% cash rebates (or 10 miles per dollar) at yuu merchants, including Foodpanda, if you hit minimum S$800/month and transact at four yuu-partnered merchants.
First-year fee waiver; annual fee thereafter applies.
Note: Link to the yuu app for rebates. Great for frequent Foodpanda users who also shop at associated supermarkets (like Cold Storage).
POSB Everyday Card
Why: Up to 10% cashback on dining and daily delivery, including Foodpanda, once you meet S$800 minimum monthly spend.
Eligibility: S$30,000 annual income for Singaporeans/PRs.
Note: Ideal for families looking for rebates on groceries and regular online orders.
Best cards by user type
Students and young professionals
HSBC Revolution Credit Card
No annual fee, points for online/transit/dining.
Entry-level income with HSBC Everyday Global account is S$30,000, making this accessible with a side hustle or first job.
Families
OCBC 365 Credit Card
5% cashback on dining—including food delivery—plus groceries and recurring bills.
Waived annual fee for first 2 years and reasonable S$800 monthly spend to unlock cashback.
Eligibility: S$30,000 annual income for Singaporeans/PRs (lower if 55+).
Well-rounded for families who cover a lot of household spend on credit.
Deal-seekers and value hunters
DBS yuu Visa Card
Up to 18% rebates at Foodpanda/yuu partners for high spenders. No expiry on yuu Points.
For those who don't mind tracking multiple platforms to unlock multi-merchant rewards.
POSB Everyday Card
Broad cashback for families and anyone focused on maximizing rebates on food delivery, groceries, and utility payments.
Frequent travellers
HSBC Revolution Credit Card
Rewards can be converted to miles (up to 8 miles per S$1, with EGA pairing), and strong online spend rewards cover food delivery as well as travel bookings.
Single card for daily food order and future travel.
Citibank Rewards Card
Build up points on all online food delivery and convert them to frequent flyer miles or shopping vouchers.
Great for those who prefer rewards variety.
