Best Dining Credit Cards 2026
Love dining out? Pay for your meals with these credit cards for air miles, rewards or cashback.
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We found 20 credit cards for you!
FASTER REWARD FULFILMENT | UNLIMITED 1.6% CASHBACK
APPLY NOW for Citi Cash Back+ Card
on Citibank's secure site
FASTER REWARD FULFILMENT | 10X POINTS FOR SPENDS
APPLY NOW for Citi Rewards Card
on Citibank's secure site
Get up to 3 NVIDIA Shares
APPLY NOW for Standard Chartered Simply Cash Credit Card and Bonus$aver Account
on Standard Chartered's secure site
Earn 1.6% unlimited cashback
APPLY NOW for OCBC INFINITY Cashback Card
on OCBC's secure site
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Unlimited Cashback
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APPLY NOW for American Express True Cashback Card
on American Express's secure site
FASTER REWARD FULFILMENT | UP TO 8% CASHBACK
APPLY NOW for Citi Cash Back Card
on Citibank's secure site
Earn Stockback | First in Singapore!
APPLY NOW for Trust Freedom Credit Card
on Trust Bank's secure site
Get up to 3 NVIDIA Shares
APPLY NOW for Standard Chartered Journey Credit Card and Bonus$aver Account
on Standard Chartered's secure site
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Ideal for Dining and Lifestyle
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APPLY NOW for American Express Platinum Credit Card
on American Express's secure site
High Spend on Dining
APPLY NOW for OCBC 365 Credit Card
on OCBC's secure site
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APPLY NOW for NTUC Link Credit Card by Trust
on Trust Bank's secure site
APPLY NOW for DCS Flex Visa Platinum Card
on DCS's secure site
APPLY NOW for Circles Zerofy Visa Cashback Card
on Circles.Life's secure site
Earn up to 10% Bonus Cashback
Earn up to 10X Rewards Points
Annual Fee Waived
Up to 30k Miles Offer
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SINGLE APPLICATION JOURNEY
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1.5% Unlimited Cashback
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Best Dining Cards to Earn High Cashback
| Card | Dining Cashback / Key Benefit | Spend Requirement | Cashback Cap | Other Highlights |
|---|---|---|---|---|
| HSBC Live+ Card | Up to 8% cashback on dining, shopping, and entertainment (local and overseas) | $600 monthly spend | $250 per quarter | Extra deals through the HSBC Live+ Dining Programme and first-year fee waiver |
| OCBC 365 Credit Card | 5% cashback on dining, including delivery, local, and overseas spend | $800 minimum monthly spend | $80 monthly cashback cap ($160 with higher spend) | Good for families and individuals spending on groceries, petrol, streaming, and more |
| UOB EVOL Card | 10% cashback on online and mobile contactless dining spend | $800 per month to qualify for top rates | $30 for online/mobile spend, $100 overall monthly cap | Annual fee waived with just three monthly transactions |
| Citi Cash Back Card | 6% cashback on dining and groceries | At least $800 a month | $80 cashback cap per month; higher caps with more categories combined | Suitable for users who combine dining with grocery spending |
Who should consider cashback cards?
These are ideal for cardholders who can consistently meet minimum monthly spend and want to maximise straightforward rebates on both in-restaurant and online food delivery transactions.
Best Dining Cards to Earn Airline Miles
| Card | Miles Earn Rate / Key Benefit | Spend Requirement | Cap / Limit | Other Highlights |
|---|---|---|---|---|
| HSBC Revolution Card | Earn up to 4 miles per $1 on online and contactless dining spend | No minimum spend | 10X points promotion until March 2026 | No annual fee; great for frequent online diners and moderate to high spenders |
| UOB Lady’s Card | Earn 4 miles per $1 (10X UNI$) when “Dining” is selected as your preferred category | Select Dining as bonus category | Up to $1,000 per month eligible spend | Flexible category changes every quarter for different bonus rewards |
| KrisFlyer UOB Credit Card | 3 miles per $1 on dining and food delivery | After $1,000 annual spend on Singapore Airlines, Scoot, or KrisShop | Per 2025 updates, accelerated rate is 2.4 miles per $1 | Check the latest terms before applying as earn rates may change |
Who should consider miles cards?
Best for users who love to travel and want to collect air miles from daily dining, including online delivery. Watch for ongoing changes in miles earn rates and required airline spend.
Best Dining Cards for Fine Dining & Deals
| Card | Dining Perk / Key Benefit | Fee / Spend Requirement | Cap / Offer | Other Highlights |
|---|---|---|---|---|
| American Express The Platinum Card | Up to 50% savings at curated fine-dining restaurants through the Love Dining programme | S$1,744 annual fee | S$200 fashion & dining credit (from Jan 2026) | Luxury hotel and travel benefits, premium event access, and exclusive membership perks |
| POSB Everyday Card | Many 1-for-1 dining deals with popular merchants such as Peach Garden and Brotzeit | Up to 10% rebates on online food delivery with $800 monthly spend | S$100 first-year fee waived | Good fit for users who want everyday dining promos and food delivery savings |
| DBS Vantage Visa Infinite | Exclusive dining privileges at over 80 upscale restaurants in Singapore | S$599.50 annual fee, waived for $60,000 spend | Access to premium dining and hotel-related member benefits | Includes additional member perks and hotel deals |
Who should consider fine dining cards?
These work best for users who regularly dine at premium or partners’ restaurants and are keen to maximise value from exclusive deals and privileges.
FAQs on Dining Credit Cards
Which is the best dining credit card in Singapore?
- When it comes to picking the best dining credit card in Singapore, there isn’t one card that’s perfect for everyone. The best choice hinges on what you value most: high cashback, airline miles, or exclusive fine-dining privileges. Singapore’s 2026 credit card landscape brings fresh offers and updates, but the top picks still fall into these three main categories—cashback, miles earners, and cards with premium dining deals.
Overall best cards include HSBC Live+, OCBC 365 and HSBC Revolution. Which credit card is best for dining and groceries in Singapore?
- If you want a credit card that delivers strong rewards on both dining and groceries in Singapore, you’ll quickly find there’s no one-size-fits-all “best” option. Instead, for 2026, a handful of all-rounder cards top the list, offering competitive cashback on both categories—often on the same card—if you meet minimum spend criteria. For those who shop at specific supermarket brands or have niche dining habits, category-specialist cards might outperform, but most Singaporeans will get the best value by choosing a versatile all-rounder.
The best overall cards for dining and groceries are the OCBC 365 Credit Card and Citi Cash Back Card. Where can I earn cashback on dining?
- On top of discounts and 1-for-1 rewards, you can enjoy cashback when you dine out with your credit card for dining. The cashback depends on the credit card. Take note that most cashback rewards have a minimum spending requirement and cap. There are, however, credit cards that offer unlimited cashback. For a more comprehensive comparison, check out the best credit cards in Singapore.
Can I get cashback on overseas dining spend?
- Yes, you can get cashback when dining overseas. Simply use our dining credit card comparison tool to find out how you can earn up to 8% cashback.