Quick answer: The UOB EVOL Card and Maybank Family & Friends Card both give 8% cashback on dining and food delivery, while the Citi Cash Back Card hits 8% on dining alone. HSBC Live+ offers a neat 8% on dining too. If you prefer racking miles, the DBS Woman’s World Card earns 4 miles per dollar on online dining and the UOB Lady’s Card goes up to 10 miles per dollar. The choice comes down to how you eat most, and whether you want cash in hand or a free flight at the end of the year.
Part of Best Credit Cards in Singapore: 33 guides covering this ground, for the wider view before you choose.
Eating out in Singapore is basically a national sport, and if you are not getting something back for every dollar you spend at the hawker centre, café, or fine-dining counter, you are leaving money on the table. The right dining rebate card means your Saturday date night at the restaurant or that late-night GrabFood order actually puts cash back into your account. Here are seven cards worth a look, each with a different idea of what “dining” rewards should feel like.
If you are also weighing up general-purpose options, our wider roundup of Dining Credit Cards in Singapore covers cards that lean harder on miles and perks rather than pure rebates.
UOB
UOB runs a whole stable of dining cards so you can pick the one that matches your eating personality, not somebody else’s. They have put in the work to score high in the dining categories at the MoneySmart Awards, and the feedback from money blogs like MileLion and Sethisfy is quite solid.
The UOB EVOL Card throws 10% cashback on food delivery, which makes a real difference when you scroll through endless dinner options on a lazy Sunday. The UOB One Card goes up to 10% rebates at select dining partners, and the UOB Lady’s Card stretches up to 10 miles per dollar on dining. That last one is the card for someone who sees a nice meal as part of saving up for a trip.
Address: 80 Raffles Place, UOB Plaza, Singapore 048624 (head office). Hours: Monday to Friday, 9:30 AM to 4:00 PM; Saturday, 9:30 AM to 12:30 PM (select branches). Website: www.uob.com.sg
This one suits the person who likes choice. If you are doing mostly food delivery with a bit of dine-in, the EVOL or One Card keeps it simple. If you chase miles for your next holiday, the Lady’s Card turns every omakase into a small step toward the airport lounge. It helps to know your own pattern first, but UOB has probably got a card that fits.
We keep these lists updated by hand. If you run something that fits, get in touch before the next revision.
Also worth a look: Top Credit Card Promotions in Singapore — if you want to know which cards are running offers right now.
Also worth a look: Best Credit Card To Book Flights in Singapore — before the next set of air tickets goes on the wrong card.
HSBC
HSBC keeps the rewards clean, with no need to jump through extra hoops when what you really want is a straightforward rebate on dinner. They have picked up recognition in the World Finance Banking Awards for customer satisfaction in rewards programmes, which is a nice nod to consistency.
The HSBC Live+ Credit Card dishes out up to 8% cashback on dining, while the HSBC Revolution card gives 10x points on select dining spends. Both work locally and on overseas meals, so if you are the sort who jets out to Bangkok for a long weekend and plans the trip around eating, the card earns its keep across borders.
Address: HSBC branches across Singapore – check the branch locator online. Hours: Monday to Friday, 9:30 AM to 3:30 PM; Saturday, 9:30 AM to 12:00 PM. Website: www.hsbc.com.sg
This is a good fit if you want a no-fuss rebate without having to register categories every quarter. The Live+ card, in particular, makes sense for someone who eats out frequently across different cuisines and wants a steady return without studying the fine print each month.
Citi
Citibank built a strong reputation for rebates that show up fast, and the Citi Cash Back Card has a Best Cashback Card award from SingSaver. What matters day-to-day is that the cashback hits reliably and the mobile app does what it should when you want to track things.
The Citi Cash Back Card offers 8% cashback on dining, with monthly caps that accommodate a generous food budget. The Citi Rewards Card takes a different route, earning 4 miles per dollar on online food spends, which covers everything from fine-dining delivery to your weekly restaurant bookings.
Address: 5 Changi Business Park Crescent, #07-00 Changi City, Singapore 486027 (head office). Hours: Monday to Friday, 9:30 AM to 3:30 PM; Saturday, 9:30 AM to 12:00 PM. Website: www.citibank.com.sg
If your dining budget is significant enough to brush against cashback caps, this is where Citi makes sense. The straight 8% on dining suits someone who wants predictable returns, and the Rewards Card is there for those who prefer stacking miles through online food orders.
We also have a guide on OCBC Credit Cards in Singapore if you want to compare how a different bank structures its dining rewards.
OCBC
OCBC tends to win with cards that cover day-to-day spending, and their dining options are built for people who want rewards on everything from the kopitiam to the restaurant without thinking too hard. The HardwareZone Awards have recognised them in the Best Dining Cards category, and the MileLion and SingSaver reviews give them a steady thumbs-up.
The OCBC 365 Credit Card gives 5% cashback on dining, while the OCBC FRANK card bumps that to 8% on mobile contactless food spends. The tiered reward structure means higher spending unlocks more, which favours the kind of person who genuinely treats dining as a lifestyle line item, not an occasional treat.
Address: OCBC branches across Singapore – use the branch locator online. Hours: Monday to Friday, 9:00 AM to 4:30 PM; Saturday, 9:00 AM to 11:30 AM. Website: www.ocbc.com
The FRANK card is a natural pick if you are already tapping your phone for meals and want the higher rate on contactless. The 365 card is a steady everyday companion for someone who dines out a few times a week and wants the rebate to accumulate quietly in the background.
Maybank
Maybank flies a little under the radar but keeps pulling in praise, including Best Regional Bank at the Asian Banking & Finance Awards. Sethisfy and Suitesmile both note the high rebates with minimal fine-print conditions, which is basically what you want to hear when signing up.
The Maybank Family & Friends Card offers 8% cashback on dining and lets you pre-select the categories that matter to you. The Maybank Platinum Visa takes a simpler route at 3.33% on general food spends, and the quarterly bonuses across their cards reward consistency.
Address: 2 Battery Road, Maybank Tower, Singapore 049907 (head office). Hours: Monday to Friday, 9:15 AM to 4:45 PM; Saturday, 9:15 AM to 12:45 PM. Website: www.maybank.com.sg
Where Maybank really shines is family life. The Family & Friends card covers dining with 8% and the pre-selectable categories mean you can align it with how your household actually spends, not how the bank assumes you do. If Friday night zi char with the whole gang is part of your rhythm, this card fits comfortably.
Standard Chartered
Standard Chartered knows its points game. The Standard Chartered Rewards+ Credit Card earns up to 10 points per dollar on dining, and the StanChart Smart Card stretches to the equivalent of 9.28 miles on fast food. The points convert to cashback when you want them to, and they picked up a Best Consumer Digital Bank award from Global Finance along the way.
These cards work across casual and fine dining alike, and the point system means you can decide later whether you want a rebate on the bill or miles toward a ticket. For someone who likes optionality in rewards, Standard Chartered offers a flexible setup.
Address: 8 Marina Boulevard, #27-01 Marina Bay Financial Centre Tower 1, Singapore 018981 (head office). Hours: Monday to Friday, 10:00 AM to 5:00 PM; Saturday, 10:00 AM to 1:00 PM. Website: www.sc.com/sg
If you are the kind of diner who wants rewards that are not locked into one currency, Standard Chartered fits the bill. Earn hard on meals and decide later if the points become cash or a boarding pass, pretty much when the mood strikes.
For those who drive as enthusiastically as they eat, our roundup of Elite Fuel Discount Credit Cards That Fuel Singapore’s Luxurious Journeys might pair well with whatever dining card you pick.
DBS
DBS commands serious loyalty in Singapore, and the Euromoney Awards naming them Asia’s Best Bank is not incidental. Their cards are woven tightly into the DBS app, which makes tracking dining rewards feel almost effortless once you are set up.
The DBS Woman’s World Card earns 4 miles per dollar on online dining, and the POSB Everyday Card gives up to 10% cashback on food deliveries. Both cards work well across the platforms most people already use for ordering in, and the earn rates are competitive without being complicated.
Address: 12 Marina Boulevard, Marina Bay Financial Centre Tower 3, Singapore 018982 (head office). Hours: Monday to Friday, 9:30 AM to 4:00 PM; Saturday, 9:30 AM to 12:30 PM. Website: www.dbs.com.sg
This is for the digital-first diner. If you order mostly through apps and already live in the DBS ecosystem, the Woman’s World Card and POSB Everyday Card slot in without adding another login to your life. The app integration alone saves some real headache at the end of the month.
We keep these lists updated by hand. If you run something that fits, get in touch before the next revision.
If you are building out an entire wallet, take a look at our guide to Elite Singapore’s Premier Travel Credit Cards to see how dining rewards can complement your travel spending.
How to choose
The right dining card depends on how you eat, and where. Start by looking at your last three months of food spending. Pull up your bank app and honestly check: is the bulk of it delivery, hawker centre taps, or restaurant meals? If you are mostly ordering in, prioritise a card like the DBS Woman’s World Card (4 miles per dollar on online dining) or the UOB EVOL Card (10% cashback on food delivery). If weekends mean sit-down meals at restaurants, the Citi Cash Back Card or Maybank Family & Friends Card with their 8% dining cashback are better bets.
Miles versus cashback is the other big fork. Miles cards like the UOB Lady’s Card (up to 10 miles per dollar) reward patience – you need to accumulate and redeem for flights. Cashback cards put money back in your account every month. There is no right answer; it is about what feels more satisfying to you. A fair cashback rate in Singapore right now sits around 5% to 8% on dining, so anything above that is worth a serious look. Watch the monthly caps too – a high earn rate is less useful if you hit the limit by the second week.
Some cards require you to pre-select dining as a bonus category each quarter, while others just pay out automatically. Maybank asks you to choose, which adds a small step but gives you control. Standard Chartered’s points system is flexible but requires a conversion step. If you know you will forget to log in and pick your category, go for the automatic ones like the HSBC Live+ Card.
Another small but practical factor is whether the card tracks “dining” the same way you do. Some cards define dining strictly as sit-down restaurants. Others include fast food, cafes, and even hawker centres. The UOB One Card, for instance, works with select dining partners. The OCBC FRANK card kicks in on mobile contactless food spends, which covers a lot of ground if you tap your phone at the kopitiam. Check the merchant category codes a card uses before committing, especially if your food spending is spread across different types of places. Even the timing matters. Cards with quarterly bonuses, like those from Maybank, suit someone who can plan larger meals around the bonus window. Cards with straight monthly rebates, like the Citi Cash Back Card, suit a more spontaneous eating schedule. Neither is better; they just fit different rhythms.
| Card Issuer | Key Dining Rebate / Earn Rate | Best For | Annual Fee Signal |
|---|---|---|---|
| UOB | Up to 10% cashback or 10 miles per dollar (varies by card) | People who want choice across delivery and dine-in | Check with the business |
| HSBC | Up to 8% cashback on dining | Straightforward local and overseas dining rebates | Check with the business |
| Citi | 8% cashback or 4 miles per dollar on dining | High spenders who want predictable monthly cashback | Check with the business |
| OCBC | 5% to 8% cashback on dining | Contactless payers and steady casual diners | Check with the business |
| Maybank | 8% cashback on dining (selectable category) | Families who want control over their bonus categories | Check with the business |
| Standard Chartered | Up to 10 points per dollar on dining | People who want flexibility between miles and cashback | Check with the business |
| DBS | Up to 10% cashback or 4 miles per dollar on dining | Digital natives already inside the DBS app ecosystem | Check with the business |
Summary
The seven cards here cover the full spectrum of how Singapore eats, from delivery-only weeks to big celebration dinners. If cashback is your priority, Maybank, Citi, and OCBC bring strong rates with manageable conditions. If miles matter more, UOB and DBS have earn rates that make every meal a step toward the next trip.
Disclaimer: Details can change, including cashback rates, category rules and fees. Confirm directly with the bank before you apply.
Frequently asked questions
Which dining rebate credit card gives the highest cashback in Singapore?
Several cards offer 8% cashback on dining, including the Citi Cash Back Card, HSBC Live+ Credit Card, and Maybank Family & Friends Card. The UOB EVOL Card goes to 10% on food delivery. The best card depends on whether your spending is mostly dine-in or delivery.
Do dining rebate cards work for food delivery apps?
Many do. The UOB EVOL Card explicitly gives 10% cashback on food deliveries, and the POSB Everyday Card offers up to 10%. Always check the card’s terms, as some define “dining” as restaurant spend only and exclude delivery platforms.
Can I earn air miles on dining with these cards?
Yes. The DBS Woman’s World Card earns 4 miles per dollar on online dining, and the UOB Lady’s Card can go to 10 miles per dollar on dining. The Standard Chartered Rewards+ Card earns points you can convert to miles later.
Are there monthly caps on dining cashback?
Most cards have a monthly cap on cashback earned from dining, even if the headline rate is high. For example, the Citi Cash Back Card has a cap that accommodates generous spending but will max out at some point. Check each card’s specific cap against your monthly food budget.
Do I need to pre-select dining as a category for the rebate?
Some cards require it. The Maybank Family & Friends Card asks you to pre-select dining among your bonus categories. Others, like the HSBC Live+ Card, apply the rebate automatically without category selection.
Can I use these cards for dining overseas?
Several of these cards earn dining rebates on overseas spend. The HSBC Live+ Card and Citi Cash Back Card are noted as working on both local and international dining, but always confirm any foreign currency conversion fees and whether the dining category tracks outside Singapore.
