Best Dining Credit Cards 2019

MoneySmart Exclusive: Get S$250 Cash via PayNow or Grab Codes! Applies to new to bank customers. Claim HereValid till 01 Nov 2019.

Cash Back on Dining, including delivery from FoodPanda & Deliveroo

S$25

Cash Back Cap per category, per month

S$888

Min. Spend per month

MoneySmart Exclusive: Get S$250 Cash via PayNow or Grab Codes! Applies to new to bank customers. Claim HereValid till 01 Nov 2019.

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Dining Features

Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) Unique Reference Number (URN) for your S$250 Gift
8% cash back on your dining spends globally
Get deals locally and worldwide in the palm of your hand. Visit Citi World Privileges
Total min. retail spend of S$888/month, 8% cash back capped at S$25 per category
For retail spend less than S$888 and/or other retail spend categories, 0.25% cash back is awarded, no cap on 0.25% cash back earned

Annual Interest Rate and Fees

Annual Interest Rate	26.90%
Principle Annual Fee	$193
Supplementary Annual Fee	$96.30
Fee Waiver	Available
Minimum Monthly Repayment	1% or S$50, whichever is higher
Interest Free Period	25 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$42,000

Other

Card Association	MasterCard, Visa
Wireless Payment	Visa payWave, MasterCard PayPass, Samsung Pay, Citi Pay

UOB YOLO Credit Card

Up to 8%

Cashback on Dining

Up to S$80

Cash Back Cap

S$600

Min. Spend per month

Up to 8%

Cashback on Dining

Up to S$80

Cash Back Cap

S$600

Min. Spend per month

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Dining Features

Up to 8% cashback on Online, Grab, Dining and Entertainment spend (3% weekday; 8% weekend)
8% cash back on weekend dining and 3% cash back on weekday dining
1-for-1 deals and more at OverEasy, Tanjong Beach Club, The White Rabbit and more
Minimum spend of S$600 per statement month for 8% and 3% cashback, otherwise 0.3% cashback on all other spend
Cashback cap: S$80 per month. S$80 cashback consists of S$60 base cashback and S$20 bonus cashback

Annual Interest Rate and Fees

Annual Interest Rate	25.90%
Principle Annual Fee	$193
Supplementary Annual Fee	N/A
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	21 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$40,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

OCBC 365 Credit Card

Cashback on Everyday Dining (Including Local, Overseas and Online Food Delivery)

S$80

Cashback Cap per month

S$800

Min. Spend per month

Online Promotion: Get S$50 Cash Rebate! Applies to New-To-Bank customers.Valid till 30 Nov 2019.

Cashback on Everyday Dining (Including Local, Overseas and Online Food Delivery)

S$80

Cashback Cap per month

S$800

Min. Spend per month

Online Promotion: Get S$50 Cash Rebate! Applies to New-To-Bank customers.Valid till 30 Nov 2019.

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Dining Features

6% cashback on local and overseas dining, everyday
6% cashback on online food delivery e.g. Deliveroo and Foodpanda
Min. spend of $800/month, cap S$80/month

Annual Interest Rate and Fees

Annual Interest Rate	26.88%
Principle Annual Fee	$193
Supplementary Annual Fee	S$96.30
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Apple Pay, Samsung Pay, Google Pay

Popular Dining Credit Cards

POSB Everyday Card

Up to 15%

on Online Dining

Up to S$80

Cash Rebates cap per month

S$800

Cash Back Cap per month

Online Promotion: Enjoy S$120 cashbackValid till 31 Mar 2020.

Up to 15%

on Online Dining

Up to S$80

Cash Rebates cap per month

S$800

Cash Back Cap per month

Online Promotion: Enjoy S$120 cashbackValid till 31 Mar 2020.

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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 Rate	26.80%
Principle Annual Fee	$193
Supplementary Annual Fee	S$96.30
Fee Waiver	Available
Minimum Monthly Repayment	3.00% or S$50, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	MasterCard Contactless
Wireless Payment	MasterCard Contactless

HSBC Visa Platinum Credit Card

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 (worth S$560) OR S$150 Cash Back with min. spend of $800 in first month of card approval + S$20 worth of Grab rides!Valid till 31 Dec 2019.

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 (worth S$560) OR S$150 Cash Back with min. spend of $800 in first month of card approval + S$20 worth of Grab rides!Valid till 31 Dec 2019.

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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 Rate	25.90%
Principle Annual Fee	$193
Supplementary Annual Fee	0.0
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$40,000

Other

Card Association	Visa
Wireless Payment	Visa 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

Up to 50%

Discounts at Selected Hotels & Restaurants

1-for-1 Drinks

at Select Rooftop Bars and Nightclubs

N.A

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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 Rate	25.90%
Principle Annual Fee	$321
Supplementary Annual Fee	160.5
Fee Waiver	Not Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	22 days

Minimum Income Requirements

Singaporean	$50,000
Foreigner	$60,000

Other

Card Association	American Express
Wireless Payment	Apple Pay, Samsung Pay, Google Pay

S$200 Next Day Cash + Cashback!

Standard Chartered Unlimited Cashback Credit Card

Up to 1.5%

Cash Back on eligible spend

S$0

Min. Spend per month

Unlimited

Cash Back Cap

MoneySmart Exclusive: Get S$120 Next Day Cash via PayNow + S$80 cashback & Instant digital card approval with MyInfo! Claim hereValid till 23 Oct 2019.

Up to 1.5%

Cash Back on eligible spend

S$0

Min. Spend per month

Unlimited

Cash Back Cap

MoneySmart Exclusive: Get S$120 Next Day Cash via PayNow + S$80 cashback & Instant digital card approval with MyInfo! Claim hereValid till 23 Oct 2019.

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Dining Features

Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) Unique Reference Number (URN) for your S$120 Cash Gift
1.5% cashback on eligible spend
No cashback cap and no minimum spend
Get up to 50% discount at selected dining establishments such as The Fullerton Hotel Singapore, The Fullerton Bay Hotel Singapore, Bedrock Bar & Grill, Fat Cow, Mariott Cafe, Canton Paradise and many more
Enjoy discount privileges at over 3,000 outlets in Asia from dining to shopping among others with The Good Life®, only with Standard Chartered Cards

Annual Interest Rate and Fees

Annual Interest Rate	26.90%
Principle Annual Fee	$193
Supplementary Annual Fee	0.0
Fee Waiver	Available
Minimum Monthly Repayment	1% or S$50, whichever is higher
Interest Free Period

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	MasterCard
Wireless Payment	MasterCard PayPass, Apple Pay, Samsung Pay, Google Pay

Citibank SMRT Card

Cash Back on Selected Fast Food & Coffee Spend

S$600

Cash Back Cap per year

S$300

Min. Spend per month

Online Promotion: Get S$120 cash back when you spend S$1,200 in the first 3 monthsValid till 31 Dec 2019.

Cash Back on Selected Fast Food & Coffee Spend

S$600

Cash Back Cap per year

S$300

Min. Spend per month

Online Promotion: Get S$120 cash back when you spend S$1,200 in the first 3 monthsValid till 31 Dec 2019.

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Dining Features

Up to 5% savings on Fast Food & Coffee. 4.7% + 0.3% (if monthly card spend is at least $300)
Fast Food - BreadTalk, Burger King, KFC, McDonald's, Pizza Hut, PastaMania, Sakae Sushi, Subway, Toastbox only
Coffee - Starbucks, Coffee Bean, Gloria Jean's, Coffee Club, Dome Cafe, TCC only
Savings awarded in SMRT$, capped at 600 SMRT$ every 12 month period

Annual Interest Rate and Fees

Annual Interest Rate	26.90%
Principle Annual Fee	$193
Supplementary Annual Fee	$96.30
Fee Waiver	Available
Minimum Monthly Repayment	1% or S$50, whichever is higher
Interest Free Period	25 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$42,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Samsung Pay, Citi Pay

Get S$250 Cash or Grab Codes!

Citi Rewards Card

S$1= 10X Points

on Online Spend*

S$1 = 1 Point

on All Other Spend

S$192.60

Annual Fee

MoneySmart Exclusive: Get S$250 Cash via PayNow or Grab Codes! Applies to new to bank customers. Claim HereValid till 01 Nov 2019.

S$1= 10X Points

on Online Spend*

S$1 = 1 Point

on All Other Spend

S$192.60

Annual Fee

MoneySmart Exclusive: Get S$250 Cash via PayNow or Grab Codes! Applies to new to bank customers. Claim HereValid till 01 Nov 2019.

More Details

Dining Features

Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) Unique Reference Number (URN) for your S$250 Gift
10X Rewards on all online purchases (excludes travel-related transactions). Bank's T&Cs apply
10X Rewards capped at 10,000 Points per statement month
10X Rewards = 4 Miles
S$1 spent = 1 Rewards point (All other spend). No minimum spend required, no cap

Annual Interest Rate and Fees

Annual Interest Rate	26.90%
Principle Annual Fee	$193
Supplementary Annual Fee	$96.30
Fee Waiver	Available
Minimum Monthly Repayment	1% or S$50, whichever is higher
Interest Free Period	25 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$42,000

Other

Card Association	MasterCard, Visa
Wireless Payment	Master PayPass, Visa payWave, Samsung Pay, Citi Pay

CIMB World Mastercard

Unlimited cashback on Wine & Dine, Entertainment & Recreation, Automobile and DFS purchases

S$0

Min. spend per month

Unlimited

Cash Rebate cap

Online Promotion: Apply now and get up to S$150 Cash Credit!Valid till 31 Dec 2019.

Unlimited cashback on Wine & Dine, Entertainment & Recreation, Automobile and DFS purchases

S$0

Min. spend per month

Unlimited

Cash Rebate cap

Online Promotion: Apply now and get up to S$150 Cash Credit!Valid till 31 Dec 2019.

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Dining Features

Exclusive dining deals such as extended all-day happy hour at House of MU and Wheeler’s Estate
Up to 20% off total bill from dining merchants at hotels such as The Fullerton Bay Hotel, Marriott, Grand Mercure, One Farrer & more
Up to 50% discount at selected restaurants across the region

Annual Interest Rate and Fees

Annual Interest Rate	25.90%
Principle Annual Fee	$0
Supplementary Annual Fee	Free
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$50,000
Foreigner	$60,000

Other

Card Association	Mastercard
Wireless Payment	Mastercard PayPass

CIMB Visa Infinite

Unlimited Cashback on All Other Spend

Up to 50%

Discount on selected restaurants

UnlimitedUp to 20%

Discount from dining merchants at hotels

Online Promotion: Apply now and get up to S$150 Cash Credit!Valid till 31 Dec 2019.

Unlimited Cashback on All Other Spend

Up to 50%

Discount on selected restaurants

UnlimitedUp to 20%

Discount from dining merchants at hotels

Online Promotion: Apply now and get up to S$150 Cash Credit!Valid till 31 Dec 2019.

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Dining Features

Exclusive dining privileges of up to 50% off at selected restaurants such as Peach Garden Chinese Restaurant, Spizza & La Nonna
Up to 20% off total bill from dining merchants at hotels such as The Fullerton Bay Hotel, Marriott, Grand Mercure, One Farrer & more
Up to 50% discount at selected restaurants across the region

Annual Interest Rate and Fees

Annual Interest Rate	25.90%
Principle Annual Fee	$0
Supplementary Annual Fee	Free
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$120,000
Foreigner	$60,000

Other

Card Association	Visa
Wireless Payment	Visa payWave

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 (worth S$560) OR S$150 Cash Back with min. spend of $800 in first month of card approval + S$20 worth of Grab rides!Valid till 31 Dec 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 (worth S$560) OR S$150 Cash Back with min. spend of $800 in first month of card approval + S$20 worth of Grab rides!Valid till 31 Dec 2019.

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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 Rate	25.90%
Principle Annual Fee	$193
Supplementary Annual Fee	0.0
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$40,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Apple Pay

CIMB Platinum Mastercard

10%

Cash Back on Wine & Dine, Petrol & Transport, Travel

S$800

Min. spend per month

S$100

Cash Back Cap

Online Promotion: Get a free return flight ticket!Valid till 31 Dec 2019.

10%

Cash Back on Wine & Dine, Petrol & Transport, Travel

S$800

Min. spend per month

S$100

Cash Back Cap

Online Promotion: Get a free return flight ticket!Valid till 31 Dec 2019.

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Dining Features

Up to 10% off total bill from dining merchants at hotels such as Fullerton Bay Hotel, One Farrer
15% - 20% off total bill from dining merchants at hotels such as Marriott, Grand Mecure, Concorde

Annual Interest Rate and Fees

Annual Interest Rate	25.90%
Principle Annual Fee	$0
Supplementary Annual Fee	Free
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	Mastercard
Wireless Payment	Mastercard PayPass

CIMB Visa Signature

10%

Cash Back on Beauty & Wellness, Online Shopping, Groceries

S$800

Min. spend per month

S$100

Cash Back Cap

Online Promotion: Get a free return flight ticket!Valid till 31 Dec 2019.

10%

Cash Back on Beauty & Wellness, Online Shopping, Groceries

S$800

Min. spend per month

S$100

Cash Back Cap

Online Promotion: Get a free return flight ticket!Valid till 31 Dec 2019.

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Dining Features

Up to 10% off total bill from dining merchants at hotels such as Fullerton Bay Hotel, One Farrer
15% - 20% off total bill from dining merchants at hotels such as Marriott, Grand Mecure, Concorde

Annual Interest Rate and Fees

Annual Interest Rate	25.90%
Principle Annual Fee	$0
Supplementary Annual Fee	Free
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	Visa
Wireless Payment	Visa PayWave

Standard Chartered Spree Credit Card

Cash Back on Eligible Spend with up to S$100 cap

S$0

Min. Spend per month

S$60

Cash Back Cap per month

Online Promotion: Get up to S$100 CashbackValid till 31 Oct 2019.

Cash Back on Eligible Spend with up to S$100 cap

S$0

Min. Spend per month

S$60

Cash Back Cap per month

Online Promotion: Get up to S$100 CashbackValid till 31 Oct 2019.

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Dining Features

3% cashback on all online spends in foreign currency and vPost spends
2% cashback on all online spends in local currency, contactless and mobile payments
1% cashback on all other retail transactions

Annual Interest Rate and Fees

Annual Interest Rate	26.90%
Principle Annual Fee	$193
Supplementary Annual Fee	0.0
Fee Waiver	Available
Minimum Monthly Repayment	1% or S$50, whichever is higher
Interest Free Period

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Apple Pay, Samsung Pay, Google Pay

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$100 CashbackValid till 31 Oct 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$100 CashbackValid till 31 Oct 2019.

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Dining Features

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 Rate	26.90%
Principle Annual Fee	$193
Supplementary Annual Fee	N/A
Fee Waiver	Available
Minimum Monthly Repayment	1% or S$50, whichever is higher
Interest Free Period

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	Visa
Wireless Payment	Visa Paywave, Apple Pay, Samsung Pay, Google Pay

HSBC Revolution Credit Card

5X Rewards

Discount at Selected Restaurants

5X Rewards

on Online Food Orders

1 Point = 0.4 Miles

Rewards to Miles Conversion for Selected Airline Partners

Online Promotion: Get a Samsonite T5 Spinner (worth S$560) OR S$150 Cash Back with min. spend of $800 in first month of card approval + S$20 worth of Grab rides!Valid till 31 Dec 2019.

5X Rewards

Discount at Selected Restaurants

5X Rewards

on Online Food Orders

1 Point = 0.4 Miles

Rewards to Miles Conversion for Selected Airline Partners

Online Promotion: Get a Samsonite T5 Spinner (worth S$560) OR S$150 Cash Back with min. spend of $800 in first month of card approval + S$20 worth of Grab rides!Valid till 31 Dec 2019.

More Details

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 Rate	25.90%
Principle Annual Fee	$150
Supplementary Annual Fee	0.0
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$40,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Apple Pay

DBS Live Fresh Card

Up to 10%

Cash Back on Contactless Payments

S$80

Cash Back Cap per month

S$600

Min. Spend per month

Online Promotion: Enjoy up to S$180 cashbackValid till 31 Mar 2020.

Up to 10%

Cash Back on Contactless Payments

S$80

Cash Back Cap per month

S$600

Min. Spend per month

Online Promotion: Enjoy up to S$180 cashbackValid till 31 Mar 2020.

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Dining Features

Earn 5% cashback when you dine and pay via Visa contactless with a minimum spend of S$600 per calendar month
Earn 5% cashback when you order your food online (e.g. Deliveroo, foodpanda) with a minimum spend of S$600 per calendar month

Annual Interest Rate and Fees

Annual Interest Rate	26.80%
Principle Annual Fee	$193
Supplementary Annual Fee	S$96.30
Fee Waiver	1 year
Minimum Monthly Repayment	3.00% or S$50, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	Visa
Wireless Payment	Visa Contactless, Apple Pay, Samsung Pay, Google Pay