Best Dining Credit Cards 2019

Updated October 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 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.

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$96.30
Fee WaiverAvailable
Minimum Monthly Repayment3.00% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationMasterCard Contactless
Wireless PaymentMasterCard Contactless
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 (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.

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 (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.

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

Up to 50%

Discounts at Selected Hotels & Restaurants

1-for-1 Drinks

at Select Rooftop Bars and Nightclubs

N.A

N.A

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

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.

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 Rate26.90%
Principle Annual Fee$193
Supplementary Annual Fee0.0
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 AssociationMasterCard
Wireless PaymentMasterCard PayPass, Apple Pay, Samsung Pay, Google Pay
Citibank SMRT Card

5%

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.

5%

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.

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 Rate26.90%
Principle Annual Fee$193
Supplementary Annual Fee$96.30
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period25 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$42,000

Other

Card AssociationVisa
Wireless PaymentVisa 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.

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 Rate26.90%
Principle Annual Fee$193
Supplementary Annual Fee$96.30
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period25 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$42,000

Other

Card AssociationMasterCard, Visa
Wireless PaymentMaster PayPass, Visa payWave, Samsung Pay, Citi Pay
CIMB World Mastercard

2%

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.

2%

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.

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 Rate25.90%
Principle Annual Fee$0
Supplementary Annual FeeFree
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$50,000
Foreigner$60,000

Other

Card AssociationMastercard
Wireless PaymentMastercard PayPass
CIMB Visa Infinite

1%

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.

1%

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.

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 Rate25.90%
Principle Annual Fee$0
Supplementary Annual FeeFree
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$120,000
Foreigner$60,000

Other

Card AssociationVisa
Wireless PaymentVisa 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.

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
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.

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 Rate25.90%
Principle Annual Fee$0
Supplementary Annual FeeFree
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 PaymentMastercard 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.

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 Rate25.90%
Principle Annual Fee$0
Supplementary Annual FeeFree
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 PaymentVisa PayWave
Standard Chartered Spree Credit Card

5%

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.

5%

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.

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 Rate26.90%
Principle Annual Fee$193
Supplementary Annual Fee0.0
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
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.

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 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
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.

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 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.

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 Rate26.80%
Principle Annual Fee$193
Supplementary Annual FeeS$96.30
Fee Waiver1 year
Minimum Monthly Repayment3.00% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa
Wireless PaymentVisa Contactless, Apple Pay, Samsung Pay, Google Pay
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