Whether or not you’re a hawker centre common or a fine-dining fanatic, the fitting bank card can stretch your eating greenback considerably in Singapore. With banks competing aggressively on your meals spend, cashback charges of 5% to fifteen% on eating are actually the norm — however the satan is within the particulars.
We’ve in contrast the highest eating bank cards obtainable in Singapore as of April 2026, taking a look at cashback charges, minimal spend necessities, caps, annual charges, and unique eating perks. Listed here are our prime picks that will help you eat properly and save sensible.
1. Belief Cashback Credit score Card — Finest for Excessive Eating Cashback
The Belief Cashback Credit score Card stands out with its headline charge of as much as 15% cashback when you choose Eating as your most popular class. With no annual charge and no minimal spend requirement, it removes many of the friction that comes with conventional financial institution playing cards.
Key Particulars:
- Eating Cashback: As much as 15% (when Eating is chosen as most popular class)
- Cashback Cap: S$250 per quarter in your most popular class
- Annual Payment: None — zero annual charge completely
- Minimal Spend: None
- International Transaction Payment: None
Professionals: The best eating cashback charge on this record, no annual charge, and no minimal spend make it extremely accessible. You possibly can change your most popular class each quarter, so in case your eating slows down, change to a different class.
Cons: The S$250 quarterly cap means you max out at round S$1,667 of eating spend per quarter. Spend past that earns simply 1%. Additionally, non-preferred classes earn a modest 1% regionally and 0.5% abroad.
2. Citi Money Again Card — Finest for Mixed Eating and Grocery Cashback
The Citi Money Again Card gives a strong 6% cashback on each eating and grocery transactions, making it an ideal all-rounder for foodies who additionally cook dinner at house. The cardboard additionally earns 8% on petrol and transport, which sweetens the deal for drivers.
Key Particulars:
- Eating Cashback: 6% on eating and groceries
- Cashback Cap: S$80 per assertion month (mixed throughout all classes)
- Annual Payment: S$196.20 (first 12 months waived)
- Minimal Spend: S$800 per assertion month to qualify for bonus cashback
Professionals: The 6% eating charge is beneficiant, and it extends to groceries too. The 8% petrol cashback is a bonus for drivers. Citi additionally runs common eating promotions and 1-for-1 offers.
Cons: The S$800 month-to-month minimal spend could be a stretch for lighter spenders. The S$80 mixed cashback cap is comparatively low, and solely cashback of S$50 and above is robotically credited.
3. OCBC 365 Credit score Card — Finest for On a regular basis Eating Cashback
The OCBC 365 Credit score Card has lengthy been a favorite amongst Singapore diners, providing a reliable 5% cashback on all eating — together with abroad eating places and on-line meals supply platforms like GrabFood and foodpanda.
Key Particulars:
- Eating Cashback: 5% on native eating, abroad eating, and on-line meals supply
- Cashback Cap: As much as S$80/month (with S$800 min spend) or S$160/month (with S$1,600 min spend)
- Annual Payment: S$196.20 (waived for the primary 2 years)
- Minimal Spend: S$800 per thirty days
Professionals: The 5% eating cashback covers a broad vary of eating classes together with meals supply. It additionally earns 6% on petrol. The 2-year annual charge waiver is extra beneficiant than most opponents.
Cons: The S$800 minimal month-to-month spend is a hurdle for some. The cashback cap means you’ll max out at S$1,600 in eating spend per thirty days on the greater tier. In comparison with Belief’s 15%, the speed is decrease.
4. DBS yuu Visa Credit score Card — Finest for Eating at Associate Retailers
In case you steadily dine at particular restaurant chains or get pleasure from resort eating, the DBS yuu Visa Credit score Card delivers distinctive worth. At taking part yuu retailers, you possibly can earn as much as 36x yuu Factors — equal to 18% money rebates — which is unmatched available in the market.
Key Particulars:
- Eating Cashback: As much as 18% in money rebates at yuu companion retailers (with S$600/month min spend); as much as 8% on basic eating
- Cashback Cap: Varies by service provider tier
- Annual Payment: S$196.20 (first 12 months waived)
- Minimal Spend: S$600 per thirty days for bonus earn charges
Professionals: The 18% rebate at yuu retailers is the very best efficient eating earn charge in Singapore. DBS/POSB cardholders additionally get pleasure from 1-for-1 buffet offers and unique eating promotions all year long. Entry to the Stay+ Eating Programme provides 15% off at over 200 eating places.
Cons: The best earn charges are restricted to yuu companion retailers. Outdoors the yuu ecosystem, the cardboard’s earn charge drops considerably. Annual charge waiver from August 2026 requires S$25,000 annual spend.
5. UOB One Card — Finest for McDonald’s, Seize, and On a regular basis Spend
The UOB One Card is a powerful contender in case your eating habits lean in the direction of quick meals and supply apps. It gives as much as 10% cashback at McDonald’s, Seize (together with GrabFood), and Shopee, together with strong cashback tiers on different spending.
Key Particulars:
- Eating Cashback: As much as 10% at McDonald’s and Seize; as much as 3.33% basic cashback
- Cashback Cap: Quarterly cashback of S$60 / S$100 / S$200 relying on spend tier
- Annual Payment: S$196.20 (first 12 months waived; subsequent years waived with min. 3 transactions/month)
- Minimal Spend: S$600 / S$1,000 / S$2,000 per thirty days with minimal 10 transactions
Professionals: The ten% cashback at McDonald’s and Seize is superb for fast-food lovers and supply customers. Simple annual charge waiver with simply 3 transactions month-to-month. Pairs properly with UOB One Account for greater financial savings curiosity.
Cons: The ten% charge solely applies to pick out retailers — basic eating doesn’t obtain elevated charges. The ten-transaction month-to-month minimal can really feel pressured. Quarterly cashback construction means you wait longer to obtain rewards.
6. HSBC Revolution Credit score Card — Finest for Miles Collectors Who Dine Out
In case you’d moderately earn air miles than cashback, the HSBC Revolution Credit score Card gives as much as 4 miles per greenback (mpd) on contactless and on-line eating funds — or as much as 8 mpd should you maintain an HSBC On a regular basis International Account with S$50,000 in property.
Key Particulars:
- Eating Rewards: As much as 4 mpd (or 8 mpd for enhanced tier) on on-line and contactless transactions
- Bonus Cap: S$1,000 spend per thirty days for bonus rewards
- Annual Payment: S$196.20 (first 12 months waived)
- Minimal Spend: None for base rewards
Professionals: One of many highest miles earn charges for eating in Singapore. Complimentary ENTERTAINER app entry provides you 1,000+ 1-for-1 eating and life-style offers. The HSBC PALATE programme gives unique set menus from S$48++ at taking part eating places by means of December 2026.
Cons: The 8 mpd tier requires a big S$50,000 ADB in an HSBC account. Miles playing cards don’t supply on the spot financial savings like cashback playing cards. The S$1,000 month-to-month cap on bonus rewards limits excessive spenders.
Honourable Point out: Maybank Playing cards for Eating Privileges
Whereas not cashback-focused, Maybank bank cards deserve a point out for his or her Style Circle programme, providing as much as 50% off eating or 1-for-1 offers at premium eating places like Conrad Singapore Orchard, Goodwood Park Resort, and Shangri-La Singapore. The programme runs from March to October 2026 and is obtainable to all Maybank cardholders, with premium cardholders having fun with further venues. The Maybank Household & Buddies Card additionally gives 1-for-1 offers at over 100 eating venues.
Fast Comparability Desk
| Card | Eating Charge | Annual Payment | Min. Spend | Cap |
|---|---|---|---|---|
| Belief Cashback | As much as 15% | None | None | S$250/qtr |
| Citi Money Again | 6% | S$196.20 | S$800/mth | S$80/mth |
| OCBC 365 | 5% | S$196.20 | S$800/mth | S$80-160/mth |
| DBS yuu Visa | As much as 18%* | S$196.20 | S$600/mth | Varies |
| UOB One | As much as 10%* | S$196.20 | S$600/mth | S$60-200/qtr |
| HSBC Revolution | 4-8 mpd | S$196.20 | None | S$1,000/mth |
*At choose companion retailers solely
Which Eating Credit score Card Ought to You Choose?
Choosing the proper eating card actually will depend on your consuming habits and spending patterns. In order for you the very best blanket cashback on all eating with zero trouble, the Belief Cashback Credit score Card is tough to beat. For individuals who mix eating with grocery procuring, the Citi Money Again Card covers each classes at a strong 6%. In case you’re loyal to particular restaurant chains or resort eating, the DBS yuu Visa can ship unbeatable earn charges at companion retailers.
For frequent flyers who’d moderately rack up miles over dinner, the HSBC Revolution is the clear winner. And if quick meals and meals supply make up most of your eating, the UOB One Card‘s focused 10% cashback at McDonald’s and Seize makes it a sensible alternative.
Regardless of which card you choose, all the time test the most recent phrases on the financial institution’s official web site earlier than making use of — cashback charges, caps, and promotions can change.
Disclaimer: This text is for informational functions solely and doesn’t represent monetary recommendation. Please do your personal due diligence earlier than making use of for any bank card.
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