Best Dining Credit Cards 2019

Updated June 2019

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

Up to 15%

on Online Dining

Up to 5%

on Dining

S$50

Cash Back Cap per month

  • Enjoy up to S$120 cashback

Up to 15%

on Online Dining

Up to 5%

on Dining

S$50

Cash Back Cap per month

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 Rate26.80%
Principle Annual Fee$193
Supplementary Annual FeeS$96.3
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
HSBC Visa Platinum Credit Card

5%

Cash Back on Dining

S$1= 1X Point

on All Spend

S$600

Min. Spend per month for All months/quarter

Online Promotion: Get a Samsonite T5 Spinner with built-in scale (worth S$560) OR S$150 Cash Back Valid till 31 Jul 2019.

5%

Cash Back on Dining

S$1= 1X Point

on All Spend

S$600

Min. Spend per month for All months/quarter

Online Promotion: Get a Samsonite T5 Spinner with built-in scale (worth S$560) OR S$150 Cash Back Valid till 31 Jul 2019.

Dining Features

  • 5% cash rebate on dining with min. S$600 spend/month for all 3 months in a calendar quarter
  • S$250 cap per account per quarter
  • $1 = 1 Rewards point

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
American Express Platinum Credit Card

Up to 50%

Discounts at Selected Hotels & Restaurants

1-for-1 Drinks

at Select Rooftop Bars and Nightclubs

N.A

N.A

  • Get a Samsonite Sigma 76cm Expandable Spinner
  • Enjoy 1 night stay at Swissotel The Stamford Singapore
  • +1 more

Up to 50%

Discounts at Selected Hotels & Restaurants

1-for-1 Drinks

at Select Rooftop Bars and Nightclubs

N.A

N.A

Other Promotions

  • Get S$50 CapitaLand 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, Google Pay, Samsung 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

10%

Cash Rebate on Dining

S$1 = 2X Points

For all Overseas spend

S$1 = 1X Point

For all local spend

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

10%

Cash Back on Everyday Dining Locally and Overseas

S$30

Cash Back on Dining per month

S$700

Min. Spend per month

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

Up to 3.5%

Cash Back on All Spend

S$125

Cash Back Cap per month

S$0

Min. Spend per month

Online Promotion: Get a Samsonite T5 Spinner with built-in scale (worth S$560) OR S$150 Cash BackValid till 31 Jul 2019.

Up to 3.5%

Cash Back on All Spend

S$125

Cash Back Cap per month

S$0

Min. Spend per month

Online Promotion: Get a Samsonite T5 Spinner with built-in scale (worth S$560) OR S$150 Cash BackValid till 31 Jul 2019.

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

Up to 5%

Cash Back on All Spend

S$300

Cash Back Cap per quarter

S$2000

Min. Spend per month, per quarter

Up to 5%

Cash Back on All Spend

S$300

Cash Back Cap per quarter

S$2000

Min. Spend per month, per quarter

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®

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
  • +1 more

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

Other Promotions

  • Get S$50 CapitaLand Vouchers

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

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

Online Promotion: Get up to S$120 cashback + Instant Digital Card ApprovalValid till 30 Jun 2019.

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

Online Promotion: Get up to S$120 cashback + Instant Digital Card ApprovalValid till 30 Jun 2019.

Dining Features

  • New-To-Bank customers: Get up to S$100 Cashback and instant digital card approval with MyInfo when you apply for SCB Rewards+ Card and S$20 when you spend minimum S$1 within 3 days from approval date
  • 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 Rate26.90%
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

6X STAR$

on All Purchases in Capitaland Malls

Additional 10X STAR$

at Selected Participating Outlets

S$1,200

Max Spend per month

  • Get S$60 CapitaVouchers AND an American Tourister Erie 64/24 luggage
  • Get S$20 CapitaLand Voucher

6X STAR$

on All Purchases in Capitaland Malls

Additional 10X STAR$

at Selected Participating Outlets

S$1,200

Max Spend per month

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

5X Rewards

Discount at Selected Restaurants

5X Rewards

on Online Food Orders

1,000 HSBC Rewards Points/month

Rewards Points Cap

Online Promotion: Get a Samsonite T5 Spinner with built-in scale (worth S$560) OR S$150 Cash Back Valid till 31 Jul 2019.

5X Rewards

Discount at Selected Restaurants

5X Rewards

on Online Food Orders

1,000 HSBC Rewards Points/month

Rewards Points Cap

Online Promotion: Get a Samsonite T5 Spinner with built-in scale (worth S$560) OR S$150 Cash Back Valid till 31 Jul 2019.

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

Up to 5%

Cash Back on Contactless Payments

S$60

Cash Back Cap per month

S$600

Min. Spend per month

  • Enjoy up to S$120 cashback

Up to 5%

Cash Back on Contactless Payments

S$60

Cash Back Cap per month

S$600

Min. Spend per month

Dining Features

  • Online delivery 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 Rate26.80%
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

Up to 50%

Discounts at Participating Restaurants

15%

Discount at Selected European Restaurants

35,000 Miles

Welcome Gift

Online Promotion: Welcome Gift: 35,000 Air MilesValid till 30 Jun 2019.

Up to 50%

Discounts at Participating Restaurants

15%

Discount at Selected European Restaurants

35,000 Miles

Welcome Gift

Online Promotion: Welcome Gift: 35,000 Air MilesValid till 30 Jun 2019.

Dining Features

  • Singapore Marriott Tang Plaza: Enjoy up to 50% off total bill at participating restaurants
  • ENTERTAINER with HSBC: Enjoy over 1,000 1-for-1 deals on dining, hotel, entertainment

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
Maybank Horizon Visa Signature

S$1 = 8X Points

on Dining Spend

S$1 = 1X Point

on All Other Spend

30,000

Cap on Bonus TREATS Points

Online Promotion: Get S$100 Cash Credit with Maybank Credit Cards and CreditAbleValid till 31 Jul 2019.

S$1 = 8X Points

on Dining Spend

S$1 = 1X Point

on All Other Spend

30,000

Cap on Bonus TREATS Points

Online Promotion: Get S$100 Cash Credit with Maybank Credit Cards and CreditAbleValid till 31 Jul 2019.

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

10X Points

on Selected Dining Merchants

12.5% P$ Rebate

at Selected outlets of Paradise Group

1X Point

on All Other Retail Spend

Online Promotion: Get S$100 Cash Credit with Maybank Credit Cards and CreditAbleValid till 31 Jul 2019.

10X Points

on Selected Dining Merchants

12.5% P$ Rebate

at Selected outlets of Paradise Group

1X Point

on All Other Retail Spend

Online Promotion: Get S$100 Cash Credit with Maybank Credit Cards and CreditAbleValid till 31 Jul 2019.

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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