Yahoo Finance 12 Best Credit Cards in Singapore for Dining and Online Food Delivery (2023)
If Singaporeans had a national hobby, it would have to be eating. A foodie paradise, Singapore is chock-full of restaurants, cafes, buffets, coffee shops, and hawker centres to fill our tummies with yummies.
While dining out and dabao-ing have always been popular, ordering food delivery has also become a staple for many Singaporeans ever since COVID-19 struck our shores. And based on the food delivery riders still swarming our roads every day, it looks like online food delivery is here to stay.
Whether you prefer dining out or ordering in, you might as well make the most of your daily food expenditure. With the right credit card, you can score cashback, reward points, and even 1-for-1 deals for dining and delivery. Read on for our top credit card picks for dining and online food delivery in 2023.
Contents
1. At a glance: Best dining and food delivery credit cards in Singapore
Best Dining Credit Card | Dining Promotion |
AMEX Platinum Credit Card | Up to 50% off at AMEX Love Dining restaurants and hotel restaurants |
Citi Cashback Card | 6% cashback on dining (min. $800 spend, cap $80 cashback) |
Citi Rewards Card | 10X reward points on online food delivery |
Standard Chartered Simply Cash Credit Card | Dining discounts under Standard Chartered’s The Good Life benefits program, 1.5% flat cashback rate |
Standard Chartered Smart Credit Card | 6% cashback on fast food, coffee and toast joints |
DBS Vantage Visa Infinite Card | 1.5% cashback on dining and up to 20% off selected restaurants |
POSB Everyday Card | 10% cash rebate on online food delivery—foodpanda, Deliveroo, WhyQ (min. $800 spend, cap $15 Daily$) |
OCBC 365 Card | 6% cashback on dining & online food delivery (min. $800 spend, cap $80 cashback) |
Maybank Horizon Card | 8X TREATS reward points for local restaurants (min. $300 spend) |
HSBC Visa Infinite Card | Up to 50% off at 4 hotels’ restaurants and 1-for-1 deals at selected restaurants using Entertainer with HSBC |
CIMB World Mastercard | 2% cashback on dining & online food delivery (min. $1,000 spend, no cap) |
UOB One Card | Up to 15% rebate at Cold Storage, Giant, GrabFood and more; up to 50% off dining with UOB dining privileges |
2. American Express Platinum Credit Card
The AMEX Platinum Credit Card is well-known among foodies for its extra exclusive perks under the Love Dining programme.
Under this exclusive dining programme, you get sweet 1-for-1 deals and discounts at prestigious restaurants in town. On top of that, you’ll get the VIP treatment when you use the AMEX Platinum Concierge to help you make your restaurant reservations.
At all dining partners, you get 50% off your bill if you are dining in a group of 2, 35% off in groups of 3, 25% in groups of 4, and 20% for bigger groups.
Here are some of the 22 hotel restaurants and 19 restaurants that you will be able to access:
Anti:dote (Fairmont Singapore)
Wan Hao Chinese Restaurant (Marriott Tang Plaza)
Crossroads Bar (Paradox Singapore—Merchant Court at Clarke Quay)
SKAI Restaurant (Swissotel The Stamford)
Brasserie Les Saveurs (St. Regis)
SKIRT (W Singapore—Sentosa Cove)
Peach Garden at OCBC Centre
Sen of Japan
Si Chuan Dou Hua Restaurant
The Kongsee
Verdandah @ Rael’s
Xin Cuisine Chinese Restaurant
Sky 22
Lawry’s The Prime Rib
Wooloomooloo Steakhouse
La Nonna
Alegria
Napoleon Food & Wine Bar
The Love Dining dining programme is very similar to Entertainer with HSBC, a dining programme that gives you 1-for-1 and percentage-based discount offers on food.
One key difference is that Entertainer with HSBC is a mobile app open to all HSBC credit card holders, but with full access to all of their merchants only for HSBC Visa Infinite and HSBC Premier Mastercard credit card holders. Comparatively, the AMEX’s Love Dining programme is only for the AMEX Platinum Credit Card, and there’s no mobile app—just book via their concierge service and pay using the Platinum card to enjoy the discount.
MoneySmart Exclusive
American Express Platinum Credit Card
Get up to S$200 Statement Credits from Amex when you apply, pay the card's Annual Fee, and spend a min of S$3,000 within three month of card approval. T&Cs Apply.
Valid until 31 Oct 2023
More Details
Key Features
Enjoy Love Dining @ Restaurants privileges which offers up to 50% savings on food orders at a handpicked selection of popular restaurants.
Enjoy Chillax By Platinum privileges. Enjoy a drink on the house at places like Anti:Dote and The Auld Alliance
Enjoy up to 40% off à la carte spa services at Adeva Spa, Spa Rael and The Ultimate
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
3. Citi Cashback Card
Once one of the most generous cards in town, the Citi Cash Back Card’s cashback programme has since been “revised” and made more conservative. But before you slip it into the slot in your wallet reserved for receipts, it’s still a pretty good dining card.
The Citi Cash Back card gives you 6% cashback when you dine at restaurants, cafes and fast food outlets. There are two main catches.
First, the minimum spending requirement is $800, which might be hard to hit if you have only one mouth to feed and don’t drive. The total cashback you can earn per month is $80, which covers about $1,000 to $1,333 worth of spending. If you don’t hit this minimum spend, the base cashback rate is only 0.25%.
Secondly, you don’t qualify for this cashback when you pay through food delivery services like Deliveroo and Foodpanda. Eligible merchants include caterers, restaurants and fast food outlets. If you want to be super sure the eatery you’re eyeing is eligible for the cashback, here are the eligible dining merchant category codes (MCC) for you to check:
MCC 5811 Caterers
MCC 5812 Eating Places, Restaurants
MCC 5814 Fast Food Restaurants
Citi Cash Back cardholders also get exclusive dining vouchers that Citi switches up every year. Here are the Citi Cash Back dining offers for 2023, all valid until 31 Dec 2023:
Elfuego: S$10 off every S$120 spend
Yonehachi: S$5 return voucher with any spend
Beauty In The Pot: S$10 return voucher with any spend
MoneySmart Exclusive
Faster Gift Redemption
Citi Cash Back Card
MoneySmart Exclusive:
Get an Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth S$575) OR a Nintendo Switch OLED Gaming Console (worth S$549) OR a S$450 Amazon SG Gift Card OR S$300 Cash via PayNow when you apply and spend a min. of S$500 in "Qualifying Spends" within 30 days from card approval date. T&Cs apply
Valid until 15 Oct 2023
More Details
Key Features
6% cashback on dining, 8% cashback on groceries, petrol and 0.25% cash back for other retail purchases
Cash back is capped at S$80/month with min. spend of S$800/month
Up to 20.88% savings at Esso and Shell, and 8% cash back at other petrol stations
For retail spend less than S$800, 0.25% cash back is awarded for all categories of spend, no cap on cash back earned
With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
4. Citi Rewards Card
If you prefer the online lifestyle, there’s another Citibank credit card that’s better suited for you. The Citi Rewards Card is a generous card for online spend, giving you 10X reward points for online food delivery.
To complete your sedentary couch potato lifestyle, online groceries, online shopping, Grab, and Gojek etc. are all part of the bonus reward points programme.
On top of the reward points, the Citi Rewards Card also comes with Citi World Privileges, a good handful of which are dining deals and discounts.
The Citi Rewards Card website boasts 10X reward points on online groceries and shopping. But when you look into the Citi Rewards Card 10X Reward Points terms and conditions, you actually can’t find any eligible online food delivery MCC code in the list.
Weird.
While there isn’t a minimum spend per month, you can only get up to 10,000 reward points (under the bonus 10X reward points programme) per month.
MoneySmart Exclusive
Faster Gift Redemption
Citi Rewards Card
MoneySmart Exclusive:
Get an Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth S$575) OR a Nintendo Switch OLED Gaming Console (worth S$549) OR a S$450 Amazon SG Gift Card OR S$300 Cash via PayNow when you apply and spend a min. of S$500 in "Qualifying Spends" within 30 days from card approval date. T&Cs apply
Valid until 15 Oct 2023
More Details
Key Features
10X Rewards on all online purchases (excludes travel-related transactions). Bank's T&Cs apply
10X Rewards on Ride-hailing, Shopping and Online spends. T&Cs apply
10X Citi Rewards program gives you an additional bonus of 9X Rewards points per S$1 spend on eligible categories on top of the base rate
10X Rewards capped at 10,000 Points per statement month and expires every 5 years
With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
5. Standard Chartered Simply Cash Credit Card
The main selling point of the Standard Chartered Simply Cash Credit Card is that—true to its name—it’s simple. The card gives you a flat 1.5% cashback on all eligible purchases, including dining, food delivery, and online shopping. What’s ineligible for the cashback then? The usual culprits, such as bills, payments to educational, financial, and governmental institutions, and GrabPay top-ups.
On the dining front, the Standard Chartered Simply Cash Credit Card comes with an additional perk. It gives you access to dining discount privileges at with Standard Chartered’s The Good Life benefits programme. This programme applies to all Standard Chartered VISA and Mastercard cards, and offers in Singapore include:
15% off total food bill at Crossroads, Singapore Marriott Tang Plaza Hotel (valid until 31 Dec 2023)
15% off total food bill at Wan Hao Chinese Restaurant, Singapore Marriott Tang Plaza Hotel (valid until 31 Dec 2023)
15% off total food bill at Singapore Marriott Tang Plaza Hotel, Lobby Lounge (valid until 31 Dec 2023)
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Standard Chartered Simply Cash Credit Card
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Get up to S$350 Cash via PayNow* OR a Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth S$575) OR a Nintendo Switch OLED (worth S$549) OR a Titan V1 7-Speed Foldable Bike (worth S$399) when you apply and spend a min. of S$500 in Eligible Transactions.
PLUS, redeem a FREE Apple Watch Series 9 GPS 41mm (worth S$599) when you are the first 2 successful applicants to submit the MoneySmart Claim Form at 2pm and 9pm daily! T&Cs apply.
Valid until 09 Oct 2023
More Details
Key Features
Flat 1.5% cashback rate for all eligible purchases
No cashback cap and no minimum spend
Enjoy dining and shopping discount privileges at over 3,000 outlets in Asia with Standard Chartered’s The Good Life benefits program
2 year annual fee waiver, no minimum spend required
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
6. Standard Chartered Smart Credit Card
Some of us like to dine out at fancy restaurants, and some of us just like to eat rubbish. If fast food is your life, you should check out the Standard Chartered Smart Credit Card. This credit card’s dining privileges are pretty niche:
6% Cashback from fast food joints: Burger King, KFC, Mcdonald’s, Subway
6% Cashback from coffee and toast joints: Fun toast, Toast Box, Ya Kun Kaya Toast
The best part is that there’s no minimum spend required, so you don’t need to spend copiously on something else just to get 6% cashback on your next Big Mac.
On top of the 6% fast food cashback unique to the Standard Chartered Smart Credit Card, you’ll also gain access to offers in dining, lifestyle and more under Standard Chartered’s The Good Life programme—what we mentioned earlier for the Standard Chartered Simply Cash Credit Card too.
MoneySmart Exclusive
Earn up to 6% Cashback
Standard Chartered Smart Credit Card
MoneySmart Exclusive:
Get S$250 Cash via PayNow or an Apple AirPods 3rd Generation (worth $261.40) or a Nintendo Switch Lite (worth S$309) when you apply and spend a min. of S$250 in Eligible Transactions. T&Cs apply.
Valid until 31 Oct 2023
More Details
Key Features
0% interest 3-month EasyPay on all eligible expenditure with 100% cashback on fees. Earn Rewards Points on your instalments.
Enjoy dining and shopping discount privileges at over 3,000 outlets in Asia with Standard Chartered’s The Good Life benefits program
6% cashback on your everyday spend at your favourite merchants across fast food dining, coffee and toast, digital subscriptions and on your daily commute (Bus/MRT). No minimum spend requirement.
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
7. CIMB World Mastercard
The CIMB World Mastercard gives you 2% cashback on dining and online food delivery. While you’ll have to clock a minimum spend of $1,000 per month on the card to get this rate, there’s no cap to the amount of cashback you’ll get.
Eligible online food delivery platforms include:
Deliveroo
Foodpanda
GrabFood
WhyQ
AirAsia Food
CIMB World Mastercard’s cashback rate of 2% is a far cry from Citi Cashback Card’s 6% cashback. However, you can earn as much cashback as you’d like with CIMB, and can only earn $80 in cashback with Citi. This naturally makes CIMB the cashback card to go if you spend a lot on dining—be it hosting big groups of dinner parties and business partners, or just treating yourself.
MoneySmart Exclusive
Unlimited 2% cashback
CIMB World Mastercard
MoneySmart Exclusive:
Get S$250 Cash via PayNow OR $270 eCapita Vouchers OR an Apple AirPods 3rd Gen with Lightning Charging Case (worth $261.40) OR a ErgoTune Classic Ergonomic Chair (worth S$399) when you apply and spend a min of S$988. T&Cs apply.
PLUS enjoy up to 3% Unlimited Cashback* from CIMB with min. spend of S$2,500 per month. T&Cs apply.
Valid until 07 Oct 2023
More Details
Key Features
2% Unlimited Cashback on Wine & Dine, Online Food Delivery, Movies & Digital Entertainment, Taxi & Automobile, Luxury Goods. 1%* Cashback on all other spends.
1% Unlimited Bonus Cashback with min. spend of S$2,500 per month. Promo valid till 31 Oct 2023.
Access to Over 1,000 Airport Lounges via Mastercard® Airport Experiences Provided by LoungeKey
50% Off Green Fees at golf courses across the region
No annual fees for life
Apply for up to 4 supplementary cards and have annual fees waived for all supplementary cards
Access to over 1,000 regional deals & discounts across Singapore, Malaysia and Indonesia
8. DBS Vantage Visa Infinite Card
Up till last year, the DBS Vantage Visa Infinite Card was giving its cardholders 4% cashback on dining spend, capped at $2,000 per month. However, as of 2023, this has been lowered to 1.5 miles or 1.5% cashback for every S$1 local spend.
The good news is that the DBS Vantage Card comes with a bunch of dining offers at selected restaurants to make up for the lower cashback. These include:
20% off à la carte food menu at Alegria
15% off à la carte food menu at Shima Restaurant
15% off for à la carte menu from Mon-Wed at L’Entrecôte The Steak and Fries Bistro
15% discount on food, and a free welcome prosecco at MONTI
15% off on buffet at Oscar’s Restaurant, Conrad Centennial Singapore
Another plus is that there is no minimum spend per month for the DBS Vantage card. However, like the HSBC Visa Infinite, the DBS Vantage Visa Infinite is an elite card requiring $120,000 annual income.
Online Promo
Miles or Cashback – you decide
DBS Vantage Visa Infinite Card
Online Promo:
Get up to 60,000 miles when you sign up with promo code VANMILES and make a min. spend of S$4,000 within 30 days of card approval and payable annual fee required. T&Cs apply.
Valid until 31 Jan 2024
More Details
Key Features
1.5 miles or 1.5% cashback for every S$1 local spend
2.2 miles or 2.2% cashback for every S$1 overseas spend
Switch your rewards flexibly between up to 2.2 miles per S$1 or 2.2% Cashback
Receive 25,000 bonus miles (in the form of 12,500 DBS Points) when you pay the annual fee of S$594 (exclusive of GST)
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
9. POSB Everyday Card
The POSB Everyday Card rewards you amply for staying home by offering a whopping 10% cash rebate on online food delivery.
Eligible online food delivery platforms include:
Foodpanda
Deliveroo
WhyQ
In addition, you get 3% cash rebates on other dining spending, such as caterers, eating places and restaurants, bars, cocktail lounges (excluding fast food spend).
To qualify for the rebates, you need to spend at least $800 in a calendar month. You’re entitled to up to $15 rebates per month for dining and food delivery.
At the 10% rebate rate for online food delivery, that’s a max of $150 worth of spending. If you only use the card for dining-in rather than food delivery, you can get the 3% cashback rate on up to $500 of spending.
Cooking your own meals at home? The POSB Everyday Card also gets you 5% cash rebate at Sheng Siong (capped at S$600 monthly spend) and 8% cash rebate at RedMart. While the RedMart rebate is still subject to the $800 minimum spend each month, you can get the 5% cash rebate at Sheng Siong with no minimum card spend.
Online Promo
Earn Cash Rebates that Never Expire
POSB Everyday Card
Online Promo:
Get S$150 Cashback when you apply with promo code 150CASH and make the min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 31 Jan 2024
More Details
Key Features
No minimum spend
Base cashback rate: 0.3% POSB Daily$ rebate for all purchases
Activate SimplyGo to use your card as an EZ-Link card. SimplyGo charges MRT and bus fares to your credit card, eliminating the need for auto top-ups
Link the POSB Everyday Card to your DBS or POSB Savings or Current account to use card at ATM
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
10. OCBC 365 Credit Card
The OCBC 365 Credit Card gives you 6% cashback on restaurants, cafes, caterers, fast food, and online food delivery (dining). And if you’re cooking at home, the OCBC 365 Credit Card will get you 3% in cashback on groceries.
Eligible dining and grocery MCC codes include:
MCC 5812 Restaurants and Eating Places
MCC 5814 Fast Food Restaurants
MCC 5811 Caterers
MCC 5411 Grocery Stores
Unfortunately there are no clear MCC codes for online food delivery, but OCBC does state that their dining cashback applies to “Online transactions such as food delivery made via the internet and processed by the respective merchants/acquirers as an online transaction type through the Visa/MasterCard Worldwide networks.” Basically, food delivery ordered online using Visa or Mastercard.
To actually receive your cashback, you’ll need to ensure you spend at least $800 in a calendar month. Cashback is capped at $80 per month, which translates to up to $1,333 worth of dining-in and online delivery spend.
If you’ve been toying with the idea of getting Burrple Beyond, this might be your sign to go for it. From now till 31 Dec 2023, there’s also a limited-time Burpple Beyond promotion for the OCBC 365 credit card. Get a 1-year Burpple Beyond Premium membership (worth S$99) if you apply for the card online and make a minimum of 5 qualifying transactions within 30 days of your card approval.
MoneySmart Exclusive
High Spend on Dining
OCBC 365 Credit Card
MoneySmart Exclusive:
Get a Apple Watch SE (GPS) 40mm (worth S$379) OR a Titan V1 7-Speed Foldable Bike (worth S$399) OR S$330 eCapita Vouchers OR S$300 Cash via PayNow when you apply and spend a min. of S$500 in Qualifying Spend within 30 days of card approval. T&Cs apply
Valid until 07 Oct 2023
More Details
Key Features
5% cashback on everyday dining (including local, overseas and online food delivery)
6% cashback on fuel spend at all petrol service stations locally and overseas
3% cashback on groceries, land transport, online travel, recurring telco and electricity bills
0.25% cashback on everything else
Min. spend of S$800 per month, with cashback capped at S$80 per month
Unlock up to S$160 cashback per month with a min. spend of S$1600 per month
2 years fee waiver for principal card (S$194.40), subsequent years waived with min. spend of S$10,000 p.a.
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
11. Maybank Horizon Card
The Maybank Horizon Visa Signature Card is a reward points card that gives you 8X TREATS reward points per $1 for local restaurants expenditure.
You’ll need to spend a minimum of $300 per month, and can only earn up to 30,000 TREATS reward points per month.
What can you do with TREATS points? These reward points can be redeemed to get retail vouchers at selected merchants,TWG Tea sets, fancy Fullerton Hotel cakes, fancy Fullerton Hotel staycations, OSIM massagers, miles, and cinema tickets. Check out the full catalogue of Maybank’s TREATS points rewards.
Unlike the previous dining cards which allow caterers and fast food restaurants, there is only one eligible dining and restaurant MCC merchant code for Maybank Horizon’s bonus dining points programme:
MCC 5812 Participating Dining Merchants
Online Promo
Maybank Horizon Visa Signature
Online Promo:
Get $200 cashback OR an Apple AirPods 3rd Generation (worth S$261.40) OR a pair of American Tourister Linex 66/24 Luggage TSA (worth S$336) when you successfully apply for a Maybank Credit Card AND a CreditAble account, and spend a min. of S$600 on Eligible Transactions each month for 2 consecutive months from card approval date. T&Cs apply.
Valid until 31 Oct 2023
More Details
Key Features
Earn 3.2 air miles (8X TREATS Points) for every S$1 spent on dining, petrol, taxi fares and hotel bookings at Agoda.com/horizon
Earn 2 air miles (5X TREATS Points) for every S$1 spent on air tickets, travel packages and foreign currency transactions
Complimentary lounge access with minimum spend of S$1,000 in a single transaction on a retail purchase, accompanying guest(s) enjoys 20% off walk-in rates for lounge access.
Complimentary Travel Insurance up to S$1,000,000
3 years annual fee waived
12. HSBC Visa Infinite Card
Like the AMEX Platinum card, the HSBC Visa Infinite is an elite credit card with very attractive dining perks.
With the HSBC Visa Infinite credit card, you’ll get up to 50% off at selected restaurants. These include restaurants at some pretty fancy hotels, such as:
Goodwood Park Hotel
Fairmont Singapore
Singapore Marriott Tang Plaza Hotel
Swissôtel The Stamford
On top of these exclusive hotel dining privileges, you’ll also gain full access to HSBC’s dining programme, Entertainer with HSBC. Using the Entertainer with HSBC mobile app, you’ll get to enjoy 1-for-1 dining deals and discounts at over 200 merchants across the island.
Technically speaking, any HSBC credit card will get you “standard” access to Entertainer with HSBC, i.e. not the full version. To get “premium” access (complete access to the full range of restaurants), you need to hold the HSBC Visa Infinite credit card.
Since both the AMEX Platinum and HSBC Visa Infinite are great dining credit cards with rewarding dining discount programmes, which card should you choose?
One key consideration is the minimum income requirement. The HSBC Visa Infinite is an elite card and requires $120,000 per year. Comparatively, AMEX used to state an annual income requirement of $80,000 for their Platinum card, but seems to have relaxed this. The AMEX Platinum Card is now “subjected to customers meeting the regulatory minimum income requirement and internal assessment”—or in other words, no hard minimum.
HSBC Visa Infinite Credit Card
More Details
Key Features
Up to 2.25 air miles per S$1 spent
Up to 50% saving on Dining
10x Rewards Points at luxury boutiques.
13. UOB One Card
The UOB One Card has one of the highest cashback rates out there, provided you hit certain minimum spends. We’re talking up to 15% rebate at Dairy Farm International (Cold Storage, CS Fresh, Giant, Guardian, 7-Eleven & more) and Grab—including GrabFood!
The catch is that the way this is calculated is kinda complicated. Read more about how it’s calculated in our review of the best cashback credit cards in Singapore.
On top of the cashback, the UOB One Card will also get you up to 50% off with UOB dining privileges. These include 1-for-1 buffets at the likes of Marriott Café Buffet, Orchard Café and Café Mosaic.
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MoneySmart x UOB GIVEAWAY
UOB One Card
MoneySmart Exclusive:
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Stand to receive a ASUS Vivobook x BAPE ® (worth S$2,349) OR a Sony PlayStation®5 Disc Console (worth S$799) OR a Nintendo Switch OLED (worth S$549) when you successfully apply for an eligible UOB Credit Card through MoneySmart and meet the Giveaway eligibility criteria! T&Cs apply.
PLUS get up to 15% Cashback and S$350 Cash Credit from UOB when you successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 for 2 consecutive months from card approval date. T&Cs apply!
Valid until 17 Oct 2023
More Details
Key Features
Up to 15% rebate at Shopee Singapore(excludes ShopeePay)
Up to 15% rebate at Dairy Farm International (Cold Storage, CS Fresh, Giant, Guardian, 7-Eleven & more)
Up to 15% rebate at Grab spend (including GrabFood, excludes Grab mobile wallet top-ups)
Up to 15% rebate on SimplyGo (bus and train rides)
Up to 15% rebate on UOB Travel spend
Up to 4.33% cashback on Singapore Power utilities bill.
Up to 3.33% on all retail spend (based on S$500, S$1,000 or S$2,000)
Fuel savings of up to 22.66% at Shell and SPC
At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.
14. Bonus tips: How can I save more money on dining?
Other than getting the right credit card for dining, there are plenty of ways to feed yourself for a little less in 2023:
Check for promo codes when using food delivery apps – Check out this article on MoneySmart for the latest foodpanda, Deliveroo, GrabFood and WhyQ promo codes.
Use online platforms to order your food for self pickup – When pre-ordering food for pickup, use an online platform wherever possible so you can use your credit card to pay and in the process earn cashback, rewards or miles for online spending. This is particularly pertinent for merchants like hawkers that may not accept credit card payment.
Order directly from merchants and use their welcome voucher—There’s absolutely nothing wrong with using food delivery services. But if the restaurant has an online welcome discount for first-time customers, you might as well order at least once directly from their website to make use of that welcome promo.
Check your bank’s website for dining promos — Credit card providers are constantly adding deals such as discounted or 1-for-1 meals at selected establishments. If you can’t think of anything to eat, looking through your card’s dining promotions should give you some ideas.
Found this article useful? Share it with anyone else who lives to eat.
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