Credit Cards · Singapore
The Best Dining Credit Cards in Singapore (2026)
Eating out and ordering in add up fast. Here are the dining and food delivery credit cards that give Singapore spenders the most cashback in 2026 — and how to choose between them.
Quick comparison
| Card | Dining rate | Cap | Min. spend | Annual fee |
|---|---|---|---|---|
| UOB Lady's CardUOB | Up to 10% | S$60/month | S$600 | S$196.20 (first year waived) |
| Citi Cash Back CardCitibank | 8% | S$80/month | S$800 | S$194.40 (first year waived) |
| DBS Live Fresh CardDBS | Up to 6% | S$60/month | S$600 | S$196.20 (first year waived) |
| OCBC 365 CardOCBC | Up to 6% | S$80/month | S$800 | S$196.20 (first year waived) |
| Maybank Family & Friends CardMaybank | Up to 8% | S$125/quarter | S$800 | S$180 (first three years waived) |
Detailed card reviews
UOB Lady's Card
A flexible cashback card that lets you nominate a bonus spend category, making it a strong pick if dining is your biggest monthly expense.
Pros
- Choose your own 10% bonus category
- First-year annual fee waived
- Works well for concentrated dining spend
Cons
- Monthly cap limits high spenders
- Requires a minimum monthly spend
Best for: People who want to maximise a single high-spend category.
Citi Cash Back Card
A long-standing favourite for dining, with a flat 8% on restaurants, food delivery and groceries alongside fuel savings.
Pros
- 8% on dining, groceries and petrol
- Generous S$80 monthly cap
- No category nomination needed
Cons
- Higher S$800 minimum spend
- Bonus categories exclude some merchants
Best for: Households with steady dining and grocery spend.
DBS Live Fresh Card
Aimed at younger spenders, rewarding both online and in-store contactless transactions including most food delivery apps.
Pros
- Rewards online and contactless spend
- Good fit for food delivery users
- Accessible minimum spend
Cons
- Lower headline rate than rivals
- Cap shared across categories
Best for: Digital-first spenders who order in often.
How to choose a dining card
Headline cashback rates rarely tell the whole story. Before you apply, work through these factors in order:
- Cashback cap: A monthly cap of, say, S$60/month limits your maximum cashback — figure out your realistic spend first.
- Minimum spend: If you can't comfortably hit the S$600–S$800 monthly minimum, you may earn less than a flat no-minimum card.
- Delivery vs. dine-in: Confirm whether food delivery is classified as "online" or "dining" spend, since the bonus rate can differ.
- Fee waiver: Most cards waive the first-year fee; check the spend needed for ongoing waivers.
Frequently asked questions
What counts as dining spend on a Singapore credit card?
Dining usually covers restaurants, cafes, bars and fast food. Some issuers also include food delivery, but the merchant classification (MCC) determines the rate, so always check the terms.
Is food delivery treated as dining or online spend?
It varies by card. Some banks classify delivery apps such as Grab and Deliveroo as dining, while others treat them as online spend. Confirm before relying on a particular rate.
Do I need to hit a minimum spend to earn dining cashback?
Most high-cashback dining cards require a monthly minimum, commonly between S$600 and S$800. Below that threshold you typically earn a lower base rate.
Are annual fees worth it for dining cards?
Most issuers waive the first-year fee and offer ongoing waivers if you meet a spend requirement. If your cashback comfortably exceeds the fee, the card is usually worth keeping.
Sources & references
- Monetary Authority of Singapore — Credit Cards Consumer Guide (MAS, mas.gov.sg)
- UOB Lady's Card — Official product page (UOB, uob.com.sg)
- Citi Cash Back Card — Official product page (Citibank, citibank.com.sg)
- DBS Live Fresh Card — Official product page (DBS, dbs.com.sg)
- OCBC 365 Credit Card — Official product page (OCBC, ocbc.com)
- Maybank Family & Friends Card — Official product page (Maybank, maybank2u.com.sg)