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    Humans are a social animal and every time we decide to get together with family, friends, or loved ones, there is usually some food involved. Whether it’s going out for a romantic dinner or catching up with friends at your favorite restaurant, food is an integral part of our social lives. There will be times where dining out can be run quite a huge tab. The thought of the bill alone can curb our appetite but having the right credit card can help immensely. These dining credit cards can help you save a pretty penny the next time you go out for dinner or lunch. Dining out isn’t necessarily cheap in Singapore, so any amount saved is good news. There are several credit cards in Singapore that offer great perks and benefits when it comes to dining. Whatever cuisine you may be craving for, these credit cards allow you to save money and make the dining experience with your friends, family, and loved ones a pleasurable experience.

    Some people have a predisposition to a particular type of dining credit card but what makes the cut for best dining credit cards is a holistic approach on not just the dining benefits offered by the card but how the card can enrich your lives in other fields as well. Below, we present to you our pick of the best dining credit cards in Singapore, based on the perks and discounts available. Read on to find the right dining card for you.

    Best Credit Cards for Dining Promotion in Singapore

    Here are some of the top dining credit cards that we think give you the best perks for the expenses charged to your card:

    1. Citi Cash Back Card

    2. This is a cashback credit card and aptly named so. The card gives cashback on a wide variety of expenses such as online payments, local dining, overseas dining, and entertainment. The card earns extra cashback apart from the flat rate it offers. The additional cashback is capped to S$25 per month but the cashback can still be earned through the flat rate.

      Dining Deals on Citi Cash Back Card

      You will get the following benefits on the Citi Cash Back Card:

      • Cashback earned: The card gives you an 8% cashback on dining expenses incurred at any restaurant, café or eatery across the globe. Even Foodpanda deliveries count as dining expenses. The flat rate of cashback offered is 0.25% whereas the additional cashback rate of 7.75% is credited the following month.
      • Unlimited earnings: There is no cap on the flat rate of cashback earned.
      • Cashback for other expenses: The card earns a cashback of 8% not just for dining but also for grocery expenses incurred at any supermarket across the globe. Again, the flat rate offered is 0.25% whereas the additional cashback of 7.75% is credited the following month.
      • Fuel: Citi Cash Back cardholders can also enjoy savings of up to 20.88% on fuel expenses incurred at Esso Petrol Stations.
      • Promotions: The card offers a promotional cashback rate of 20% on all Grab rides until the 6th of July, 2017 following which the cashback rates will become 8% for all Grab Rides.

      Disadvantages of the card

      Here are some components where the card doesn’t do too well:

      • Spend requirement: Unfortunately, the card requires you to meet a minimum spend criteria. If the statement balance of the card does not exceed S$888 a month, then the cashback earned is only 0.25%.
      • Capped cashback: The cashback earned per month through the additional rate of 7.75% is capped to S$25 per month. The flat rate of 0.25% has no cap.
    3. POSB Everyday Card

    4. This is a cashback credit card as well and as the name suggests, is intended for everyday use. The card gives cashback on a wide variety of expenses such as utility bill payments, local dining, overseas expenditure, and groceries. The card earns extra cashback apart from the flat rate it offers. The additional cashback is capped to S$25 per month but the cashback can still be earned through the flat rate.

      Dining Deals on POSB Everyday Card

      You will get the following benefits on the POSB Everyday Card:

      • Cashback earned: The card gives you a 14% cashback on online food delivery expenses incurred either on a weekday or a weekend. The cashback earned on dining expenses incurred on weekdays is 3% whereas dining expenses incurred on the weekends earns a 9% cashback.
      • Save up to 50%: The card offers exclusive 1 for 1 deals at select restaurants across Singapore.
      • Cashback for other expenses: The card earns a cashback not just for dining but also up to 5% cashback for grocery expenses, 3% for health and beauty products and 1% for utility bill payments.
      • Fuel: Citi Cash Back cardholders can also enjoy savings of up to 20.1% on fuel expenses incurred at SPC Petrol Stations.
      • Usability: The card can be linked to your savings account and also be used as an ATM card. You can also use it as an EZ-link card.

      Requirements

      Here are some components where the card doesn’t do too well:

      • Spend requirement: Unfortunately, the card requires you to meet a minimum spend criteria. If the statement balance of the card does not exceed S$600 a month, then the cashback earned is only 0.3%.
      • Capped cashback: The cashback earned per month is capped to S$50 per month.
      • Promotional: The 14% cashback on online food delivery is only promotional and lasts till 30 September 2017.
    5. CIMB Visa Signature Card

    6. This is a cashback credit card and overseas benefits when used overseas as well. The card has a tie-up with a slew of merchants offering perks and privileges within Singapore and across the region in countries such as Thailand and Indonesia. The card not only gives cashback on local dining, but also on online shopping. The card also offers a flat rate of 0.2% cashback on all other expenses charged to the card.

      Dining Deals on CIMB Visa Signature Card

      You will get the following benefits on the CIMB Visa Signature card:

      • Cashback earned: The card gives you a 10% cashback on dining expenses charged to the card. The card does not limit the cashback to only dining at restaurants. Cardholders can also visit any nightclub and earn a cashback of 10%.
      • Shopping: Shopping just got easier with the CIMB Visa Signature card. This card gives up to 10% cash rebate on online shopping expenses charged to the card.
      • Cashback for other expenses: The card earns a flat rate of cashback of 0.2% on all other expenses incurred.
      • Overseas use: The card allows you to save additional costs on overseas use by waiving their administrative fee on overseas transactions.
      • Deals: The card has tie-ups with over 1,000 merchants across Singapore, Thailand and Indonesia giving you access to a slew of perks and discounts.
      • Affordable: The card has a lifetime waiver on the annual fee which makes it a very affordable card.

      Limitation

      Here are some components where the card doesn’t do too well:

      • Spend requirement: To earn the 10% cashback, you must charge a minimum of S$500 to the card in a calendar month.
      • Capped cashback: The cashback earned is 0.2% with the additional 9.8% being capped at S$60 per month.
    7. UOB Yolo Card

    8. This credit card cates to Singaporean youth. The card not only gives you a cashback of up to 8% on dining expenses but also a cashback of 8% on entertainment expenses charged to the card. The expenses charged both locally and overseas qualify for the cash rebate. The card also offers free weekend rides in Grab Taxi thereby making your commute on the weekends a more affordable experience.

      Dining Deals on UOB Yolo Card

      The following benefits are available on the UOB Yolo Card:

      • Cashback earned: You can earn up to 8% cashback on dining and entertainment expenses incurred both in Singapore and overseas during the weekends. Dining and entertainment expenses incurred on weekdays fetches a 3% rebate. For expenses incurred on online shopping or online travel booking, you get 3% cashback.
      • Free taxi rides: You have to make at least one dining related transaction or entertainment related transaction through the week and use the promocode UOBYOLO, when paying for your Grab taxi rides during the week. Doing so will fetch you one free grab ride on the weekend. The Grab ride will not be worth more than S$10.
      • Dining discounts: The card gives you a range of benefits and perks such as free dinner for one and discounts of up to 15% on dining expenses incurred at popular choices such as Sakae, Shangri-la Hotel, Seoul Garden, Haagen Dazs, Japan Food Town, and Full of Luck Club.
      • Mobile payment: You no longer need to carry your card around. You can link your UOB Yolo card to UOB Mighty, Apple Pay, Android Pay, or Samsung Pay and pay using your mobile phone instead of using the physical credit card.
      • Link to UOB One Account: You can link the UOB Yolo credit card to your UOB One account. Doing so will allow you to earn extra interest on the account when you charge your card for at least S$500 per month.
      • Annual fees: The primary card comes at S$192.60 per year and the supplementary has an annual fee of S$96.30. The fee is waived for the first year for primary cards, whereas the fee for the first supplementary card is permanently waived.

      Limitation

      Here are some components where the card doesn’t do too well:

      • Spend requirement: To enjoy higher cash rebates on the card, you need to spend at least S$600 every calendar month. Failure to do so will only fetch you a cashback of just 0.3%. Cashback earned is capped at S$60 per calendar month.
      • Low rebate rate on other transactions: This card is useful only when dining, entertainment and online travel and fashion shopping make up the bulk of your expenses. Using your card for other expenses such as groceries, departmental store purchases and utility bill payments will give you just 0.3% cashback.
    9. OCBC 365 Card

    10. There’s no rewards for guessing when you can use this card. The card is meant for daily use and offers attractive rates of cashback on various expenses. From dining to online shopping or for the more serious expenses such as utility bill payments, the card offers something for every type of expense. Rebates on this card can go as high as 6%.

      Advantages of the card – The benefits available on the OCBC 365 Card are listed here:

      • Cashback: The card gives you a cash rebate of up to 6% on weekend dining expenses incurred in Singapore. The card earns a cash rebate of 3% for dining expenses incurred on weekdays and 3% for overseas dining expenses. Other categories that can fetch you a 3% cash rebate are online shopping charges, grocery expenses and recurring telco payments. Fuel expenses also earn a 5% cash rebate at all petrol stations except Caltex. Expenses incurred at Caltex fetches you a 6% cash rebate.
      • Quality service: The card gives you access to the Visa Signature Concierge service which is available 24 hours a day, 7 days a week and will assist you in making restaurant reservations, flight and hotel reservations, car rental requests, and booking tickets for exclusive events among others.
      • Additional rebates: The card offers you a 3% additional rebate on over the counter medical spend incurred at clinics, dental clinics and hospitals if you are the trustee of a child development account. The card also gives you a promotional offer of additional rebates on overseas expenses valid till 16 July 2017 wherein you can earn a 3% cash rebate for monthly spends of S$600 to S$1,500 and a 10% rebate for spend exceeding S$1,500 a month. The cashback from this offer is capped to S$50 per month.

      Disadvantages of the card – Some of the aspects where the card doesn’t do too well are:

      • Spend requirement: The minimum amount you need to spend per month to be eligible for higher cash rebates is S$600. The cashback earned is capped to S$80 per month, irrespective of how much you spend. If you fail to meet the spend criteria, the cashback earned is a flat rate of 0.3%.

    Compare Best Dining Credit Cards in Singapore

    Here’s a quick run-through of the cards

    Card name

    Rewards/cashback

    Earning limit

    Minimum spend required

    Other perks

    Citibank Cash Back card

    8% cashback for dining and grocery expenses incurred worldwide. Flat rate of 0.25% on all other expenses

    Additional rate of 7.75% cashback is capped to S$25 per month

    S$888 per month

    Promotional offer of 20% cashback on Grab Rides

    Flat rate of 0.25% cashback has no cap

    POSB Everyday Card

    Up to 14% cashback on online food delivery, 3% cashback on weekday dining expenses and 9% cashback on weekend dining expenses

    Cashback earned is capped to S$50 per calendar month

    S$600 per calendar month

    14% cashback on overseas expenses

    1% cashback on utility bill payments

    5% cashback on grocery expenses

    3% cashback on beauty and wellness

    products incurred at Watsons

    Flat rate of 0.3% cashback on all other expenses

    CIMB Visa Signature Card

    Up to 10% rebates on wine and dine expenses charged to the card.

    Up to 10% cashback on online shopping expenses charged to the card

    Cashback earned is capped to S$60 per calendar month

    S$500 per calendar month, A minimum of 8 transactions of S$30 or more within the same statement month for online shopping rebates

    Complimentary insurance of USD500,000

    Access to Visa Signature Privileges

    Lifetime annual fee waiver

    Waiver on administrative fee for foreign transactions

    UOB Yolo Card

    Up to 8% cash rebate on dining and entertainment incurred locally and overseas, Up to 3% cashback on online shopping and travel booking expenses

    Cashback is capped to S$60 per calendar month

    S$600 per calendar month

    Free Grab taxi rides on weekend provided the cardholder meets the eligibility criteria

    Access to YOLOEATS Dining discounts program

    OCBC 365 Card

    Up to 6% cash rebate on weekend dining expenses and 3% of weekday and overseas dining expenses

    Cashback is capped to S$80 per calendar month

    S$600 per calendar month

    Concierge service

    Complimentary insurance of up to S$200,000

    How to choose the best dining credit card for you

    Here are some tips on how to choose the right dining credit card for you:

    • Figure out whether dining forms a major part of your expense pattern. Doing this will ensure you get the card for the right reasons. If dining out is an occasional activity then you’d fare better off with a flat rate cashback card.
    • Take into consideration the cashback perks you get outside dining as well. Unless you plan on using this card solely for dining, chances of you swiping the card for other expenses are quite high. Ensure you get a good rate of cashback for other expenses as well.
    • Choose a card based on affordability. It makes no sense for you to go in for a card that offers a meagre rate of cashback but comes with a whopping annual fee the rebates earned just won’t make up for it.
    • Make sure you meet the eligibility criteria of credit card that requires you to. Not meeting eligibility criteria such as income or age can end up in rejection of application which can have a negative impact on your credit score.
    • Look out for other charges such as late payment fees or interest rates charged when you fail to make full repayment.
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