Best Dining Credit Cards 2018

Updated November 2018

Want to dine out without having to break the bank? Get a card with the best dining discounts and privileges and save while you enjoy a great meal. Compare the best dining credit cards right here!

Popular Dining Credit Cards

POSB Everyday Card
Excellent
POSB Everyday Card
Excellent

Up to 15%

on Online Dining

Up to 5%

on Dining

S$50

Cash Back Cap per month

  • Enjoy 10% cash rebates on overseas spend
  • Online Exclusive: Up to 20% cash rebates

Dining Features

  • Up to 15% cash rebates on dining with a min spend of S$800
  • Up to 15% cash rebates on online food delivery and online food catering
  • Up to 5% cash rebates on restaurants, cafes, fast food outlets, food courts and more
  • Cash rebates capped at S$50 per calendar month

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee96.3
Fee WaiverAvailable
Minimum Monthly Repayment3% or $80, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationMasterCard
Wireless PaymentMasterCard PayPass, Apple Pay, Samsung Pay, Google Pay
American Express Platinum Credit Card
Excellent
American Express Platinum Credit Card
Excellent

Up to 50%

Discounts at Selected Hotels & Restaurants

1-for-1 Drinks

at Select Rooftop Bars and Nightclubs

N.A

N.A

  • Get S$20 NTUC Vouchers

Dining Features

  • Love Dining @ Restaurants: 50%, 35%, 15% savings when dining with 1 friend, 2 friends, and alone respectively
  • Enjoy savings at artfully curated restaurants and Singapore's finest hotels with Love Dining
  • Love Dining @ Hotels: Discounts applicable for groups up to 19 pax at Raffles Hotel Singapore, Shangri-La Hotel Singapore, The St. Regis and more
  • With Love Dining @ Hotels, receive a complimentary The Far Card Classic Membership
  • Eligible for use with Apple Pay

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$321
Supplementary Annual Fee160.5
Fee WaiverNot Available
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period22 days

Minimum Income Requirements

Singaporean$50,000
Foreigner$60,000

Other

Card AssociationAmerican Express
Wireless PaymentApple Pay, Samsung Pay, Google Pay
Bank of China Zaobao Credit Card
Excellent
Bank of China Zaobao Credit Card
Excellent

10%

Cash Rebate on Dining

S$1 = 2X Points

For all Overseas spend

S$1 = 1X Point

For all local spend

Dining Features

  • 10% Cash Rebate on dining
  • 12% Cash Rebate at BreadTalk

Annual Interest Rate and Fees

Annual Interest Rate28.88%
Principle Annual Fee$190
Supplementary Annual Fee$95
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationUnionPay
Wireless PaymentN/A
Bank of China Family Card
Excellent
Bank of China Family Card
Excellent

10%

Cash Back on Everyday Dining Locally and Overseas

S$30

Cash Back on Dining per month

S$700

Min. Spend per month

Dining Features

  • 10% cashback on Dining Locally and Overseas
  • Cashback cap at $100 per month where cap is at S$30 per month for dining and movie

Annual Interest Rate and Fees

Annual Interest Rate28.88%
Principle Annual Fee$190
Supplementary Annual Fee$95
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationVisa
Wireless PaymentN/A
HSBC Advance Credit Card
Very Good
HSBC Advance Credit Card
Very Good

Up to 3.5%

Cash Back on All Spend

S$125

Cash Back Cap per month

S$0

Min. Spend per month

  • Option 1: Get a Samsonite Astra 55cm luggage (worth S$350)
  • Option 2: S$100 Cash Back

Dining Features

  • 1.5% Cash Back on all purchases with no minimum spend / 2.5% Cash Back on all purchases with $2,000 minimum spend per month. Capped at $70 per month
  • For HSBC Advance banking customers: 2.5% Cash Back on all purchases with no minimum spend / 3.5% Cash Back on all spend with S$2,000 minimum spend per month. Capped at S$125 per month

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee0.0
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay
UOB One Card
Very Good
UOB One Card
Very Good

Up to 5%

Cash Back on All Spend

S$300

Cash Back Cap per quarter

S$2000

Min. Spend per month, per quarter

  • Get up to $170 cash credit when you apply online and for the One Account

Dining Features

  • Up to 5% cash rebate on all spend each quarter (min. spend $2,000/month for all 3 months)
  • Up to 3.33% cash rebate on all spend each quarter (min. spend $500/month or $1,000/month for all 3 months)
  • Enjoy up to 50% off with UOB dining privileges (e.g. 1-for-1 buffet at Marriott Café Buffet, Orchard Café and Café Mosaic)

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee1st supplementary card free; $96.30 for subsequent cards
Fee WaiverAvailable
Minimum Monthly Repayment3% of S$50, whichever is higher
Interest Free Period21 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay
American Express The Platinum Card®
Very Good
American Express The Platinum Card®
Very Good

Up to 50%

Discounts at Marriott, St. Regis, and more

Up to 50%

Discounts at Lawry's, TWG, and more

No Expiry Date

on Membership Rewards Points

  • 75,000 Membership Rewards® Points
  • Enjoy Over S$1,200 Worth of Complimentary Hotel Stays And Credits

Dining Features

  • Exclusive access to Platinum Vibes at Marina at Keppel Bay
  • Up to 50% savings at selected hotels such as Marriott, St. Regis, and W Singapore among others
  • Up to 50% savings at selected restaurants such as Lawry’s, Sen of Japan, and TWG among others
  • S$1.60 = 2 Membership Rewards points on all other spend

Annual Interest Rate and Fees

Annual Interest RateN/A
Principle Annual Fee$1,712
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
Foreigner$200,000

Other

Card AssociationAmerican Express
Wireless PaymentN/A
Standard Chartered Rewards+ Credit Card
Very Good
Standard Chartered Rewards+ Credit Card
Very Good

S$1= 5X Points

on Local Dining Spend

S$1= 1X Point

on All Other Spend

1 Point = 0.29 Miles

Rewards to Miles Conversion

MoneySmart Exclusive: Free up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit
  • Get 15% cashback with Grab
  • +2 more

Other Promotions

  • Up to 50% off dining at The Fullerton Hotel
  • Enjoy 1-for-1 Platinum Movie Suites Tickets with Cathay Cineplexes

Dining Features

  • Get up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit when you apply for SCB Rewards+ Card via MoneySmart
  • Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) 11 digit Reference Number on the Thank You Page upon completion on or before 30 Nov 2018 for your S$50 Cash Gift. Full T&Cs here
  • 10X Rewards Points per S$1 spent in foreign currency, including online spends
  • 5X Rewards Points per S$1 spent in Singapore Dollars for local dining transactions
  • 1X Rewards Points per S$1 on all other spends
  • Rewards Points capped at 20,000 points per year

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual FeeN/A
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationVisa
Wireless PaymentVisa Paywave, Apple Pay, Samsung Pay, Google Pay
American Express CapitaCard
Very Good
American Express CapitaCard
Very Good

6X STAR$

on All Purchases in Capitaland Malls

Additional 10X STAR$

at Selected Participating Outlets

S$1,200

Max Spend per month

  • Get S$20 NTUC Voucher

Dining Features

  • S$1 = 5 STAR$ on all spend
  • S$1 = 10 STAR$ at CapitaLand Malls on eligible purchases
  • All STAR$ earned are credited directly into your CAPITASTAR account, capped at S$1,200 per calendar month
  • 5,000 STAR$ = S$5 CapitaVoucher / 10,000 STAR$ = S$10 CapitaVoucher / 50,000 STAR$ = S$50 CapitaVoucher

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$171
Supplementary Annual Fee85.6
Fee WaiverAvailable
Minimum Monthly Repayment3% or $50, whichever is higher
Interest Free Period22 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationAmerican Express
Wireless PaymentApple Pay, Samsung Pay, Google Pay
HSBC Revolution Credit Card
Very Good
HSBC Revolution Credit Card
Very Good

5X Rewards

Discount at Selected Restaurants

5X Rewards

on Online Food Orders

1,000 HSBC Rewards Points/month

Rewards Points Cap

MoneySmart Exclusive: Get 6,000 Miles or 15,000 Points when you apply via MoneySmart
  • Enjoy over 1,000 1-for-1 deals through ENTERTAINER with HSBC

Dining Features

  • 5X Rewards points (or 2 air miles) per $1 spent on Local Dining and Entertainment transactions
  • Includes restaurants, cafes, and fast food outlets
  • Excludes dining merchants within hotels
  • Access over 1,000 1-for-1 deals through ENTERTAINER with HSBC and up to 15% off at over 50 dining outlets

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$150
Supplementary Annual Fee0.0
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay
DBS Live Fresh Card
Very Good
DBS Live Fresh Card
Very Good

Up to 5%

Cash Back on Contactless Payments

S$60

Cash Back Cap per month

S$600

Min. Spend per month

  • Online Exclusive: Up to S$150 cashback
  • Win a pair of SQ Suites return tickets to one of these 5 locations

Dining Features

  • Online shopping and payment via contactless methods get 5% cashback
  • Contactless Payments: Visa payWave, Apple Pay, Samsung Pay, Google Pay

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$128
Supplementary Annual Fee64.2
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay
HSBC Visa Infinite Credit Card
Very Good
HSBC Visa Infinite Credit Card
Very Good

Up to 50%

Discounts at Participating Restaurants

15%

Discount at Selected European Restaurants

35,000 Miles

Welcome Gift

Dining Features

  • Up to 50% off total bill at participating restaurants at Singapore Marriott Tang Plaza Hotel
  • Enjoy the best of European dining at over 50 leading restaurants island-wide with 15% off food bill and 20% off monthly wine-pairing gourmet events

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$650
Supplementary Annual Fee0.0
Fee WaiverNot Available
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$120,000
Foreigner$120,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay
Bank of China Qoo10 World Mastercard®
Very Good
Bank of China Qoo10 World Mastercard®
Very Good

5%

Rebate on Local Dining

S$80

Rebate Cap per month

S$600

Min. Spend per month

  • Unlimited rebate on Overseas Spend
  • Enjoy up to 15% rebate

Dining Features

  • 5% Rebate on Local Dining with an overall min. spend of S$600 per month
  • 0.3% Rebate on all transactions with an overall min. spend of S$300 per month
  • Cash rebate cap of S$40 on all other transactions including dining per month
  • All rebates in form of Qmoney where 1 Qmoney = S$1

Annual Interest Rate and Fees

Annual Interest Rate28.88%
Principle Annual Fee$190
Supplementary Annual Fee$95
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationMastercard
Wireless PaymentN/A
Maybank Horizon Visa Signature
Very Good
Maybank Horizon Visa Signature
Very Good

S$1 = 8X Points

on Dining Spend

S$1 = 1X Point

on All Other Spend

30,000

Cap on Bonus TREATS Points

Dining Features

  • Earn 3.2 air miles (8X TREATS Points) for every S$1 spent on selected dining merchants
  • Min spend: S$300/month
  • Capped at 30,000 Bonus TREATS Points per month
  • 1X TREATS Point with no minimum spend

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$180
Supplementary Annual FeeComplimentary
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$20, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$50,000
Foreigner$60,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Samsung Pay
Maybank World Mastercard
Very Good
Maybank World Mastercard
Very Good

10X Points

on Selected Dining Merchants

12.5% P$ Rebate

at Selected outlets of Paradise Group

1X Point

on All Other Retail Spend

  • Get a Samsonite Orfeo 69cm Spinner (worth S$420)

Dining Features

  • Earn 10X TREATS Points (or 4 air miles) for every S$1 spent on selected dining merchants
  • Enjoy 12.5% P$ rebate on food bill at participating restaurants at Paradise Group

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$240
Supplementary Annual FeeFree
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$20, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$80,000
Foreigner$80,000

Other

Card AssociationMasterCard
Wireless PaymentMasterCard PayPass
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