Quick answer: If you eat out a few times a week and want something back, the UOB Lady’s Card is the one for stacking miles, while Maybank Family & Friends gives you blunt 8% cashback on dining. For no-fuss cashback, Citi Cash Back does 6%, and OCBC 365 rewards bigger spenders with tiered rates. Miles chasers who tap their phone will like UOB Preferred Platinum Visa or the Citi Rewards–Amaze combo.
You want a dining credit card that earns without constant category tracking. This ranking cuts through the noise and gives you a single verdict for your specific dining pattern. If you chase miles without wanting to sweat the details, the UOB Lady’s Card is the default—link a savings account for a serious boost. Cashback hunters who value simplicity should look to the Maybank Family & Friends. The rest change only under narrow conditions.
Best Credit Cards in Singapore is the parent list here, with 33 guides covering everything in this area.
UOB Lady’s Card
Picking this card feels like telling the bank, “I know exactly where my money goes, and mostly it’s on good food.” Every quarter, you choose a bonus category, and if dining is your pick, it earns up to 10 miles per dollar on S$1,000 of spending each month. The smartest move is linking it to a UOB Lady’s Savings Account, which can add another 2–6 miles per dollar, turning a regular omakase into a free ticket to Tokyo later.
This is for the diner who plans ahead and can commit a category each quarter. The earn rate is top-tier when paired with the Lady’s Savings Account, so if you already bank with UOB, it’s a natural fit. Skip if you prefer not to track quarterly selections.
Address: 50 Jurong Gateway Road, #02-15 JEM, Singapore 608549
Phone: 1800 222 2121
Price signal: Annual fee applies; quarterly dining cap of S$1,000 for bonus miles.
UOB Lady’s Card
It suits anyone who eats widely—fine dining, food delivery, café brunches—and wants miles that build fast without jumping through hoops. You get flexibility in when you activate the dining bonus, so if next quarter is all home cooking, you can pivot to something else. And the extra miles from the savings account makes it die die must try if you keep a bit of cash with UOB.
We keep these lists updated by hand. If you run something that fits, get in touch before the next revision.
UOB Preferred Platinum Visa
This is the card for the person who never fishes out a wallet at the counter—just tap and go, and watch the miles roll in. You earn 4 miles per dollar on dining when you pay via mobile contactless, up to S$1,110 a month. At a fine-dining place where a meal for two easily crosses that cap, the miles add up quickly, and you don’t have to remember which restaurant qualifies; if they take contactless, you’re covered.
Suits the diner who taps and goes everywhere. It’s a no-brainer for anyone who uses Apple Pay or Google Pay for every meal, especially fine-dining spots that accept contactless. The cap covers a couple of lavish dinners, and you earn miles without thinking. If you hate remembering which card to use, this one stays in your phone.
Address: 50 Jurong Gateway Road, #02-15 JEM, Singapore 608549
Phone: 1800 222 2121
Price signal: Annual fee; monthly cap S$1,110 for bonus miles.
UOB Preferred Platinum Visa
Ideal for the busy professional who does not want to track categories. As long as you tap, you earn. It pairs nicely with a lifestyle where after-work dinners and weekend brunches are paid in two seconds flat. If you also have a Citi Rewards card, you might compare—this one wins on sheer simplicity and no need for an extra app.
Maybank Family & Friends
Most cashback cards make you jump through hoops. This one gives you 8% back on dining when you pick it as your category, and the cap is generous: you can earn cashback on up to S$312.50 of dining spend monthly, after you hit a minimum total spend of S$800 across all categories. That means if your family goes out for a big dinner a couple of times a month, the cashback covers the GST and then some.
This is the family’s dinner card. Choose dining as your 8% category and the cashback flows without fuss after hitting the S$800 total spend. For households that eat out together a few times a month, it clears the GST and leaves you with extra. Works best if your other spending already hits the minimum.
Address: 2 Battery Road, Maybank Tower, Singapore 049907
Phone: 1800 629 2265
Price signal: Minimum S$800 monthly spend; dining cashback capped at S$25 a month.
Maybank Family & Friends
It is shiok for families or friend groups who pool a meal bill. The 8% rate is blunt and easy to understand, and the category system lets you shift to groceries or transport in months when you eat at home more. Just know that you need to spend S$800 in total, so it works best when this is your main card.
If you’re also keen on romantic spots, our guide to Romantic Restaurants in Singapore might pair well with your chosen card.
Citi Cash Back
Straight cash, little fuss. The Citi Cash Back card gives you 6% back on dining, up to S$80 cashback each month, after you spend S$800 in total. The cap feels comfortable for a couple who eat out several times a week—you’ll max it without having to think too hard, and the cashback arrives as a statement credit, which feels like the restaurant gave you a small ang pow.
For the couple who dines out regularly but doesn’t want to track quarterly categories. The 6% is straightforward, and the S$80 cap lands comfortably if you eat out several times a week. The statement credit feels like a small bonus each month. Pick this when simplicity trumps maximising every cent.
Address: 5 Changi Business Park Crescent #05, Singapore 486027
Phone: +65 6225 5225
Price signal: Minimum S$800 monthly spend; dining cashback capped at S$80.
Citi Cash Back
It suits someone who just wants to see money back, not miles, and who already spends enough on the card to hit the minimum naturally. The flat 6% covers both high-end restaurants and your neighbourhood zi char, so it’s forgiving. If you have another card for miles, this one can quietly handle all your eating out.
We keep these lists updated by hand. If you run something that fits, get in touch before the next revision.
HSBC Live+
If you’re signing up fresh, HSBC Live+ gives you a welcome boost: new cardholders get 8% cashback on dining, while existing holders get a steady 5%. The cashback is capped at S$250 per quarter, and you need to spend at least S$600 a month overall. For someone who likes to change cards every couple of years and chases sign-up perks, that first-year rate is hard to ignore.
The first-year 8% cashback makes this card a top pick for new sign-ups who plan to churn after the introductory period. Existing cardholders get 5%, which is decent but not leading, so it’s a card you graduate from once the welcome rate ends. Sign up, enjoy the boost, then reassess. Best for those willing to switch after a year.
Address: Branches across Singapore—use the bank’s locator.
Phone: +65 6227 8889
Price signal: Minimum S$600 monthly spend; quarterly dining cashback cap S$250.
HSBC Live+
It works for the diner who likes a predictable reward but also enjoys a promotional period. The quarterly cap means you can have a few big restaurant months and still get cashback without worrying about a tiny monthly ceiling. Plus, the card covers a wide range of dining spots, so you are not limited to atas places.
OCBC 365
This card scales with your appetite: you get 5% cashback on dining, and the more you spend, the higher the monthly cashback cap goes. At S$800 spend, the dining cashback cap is S$80; push total spending to S$1,600 and the dining cap jumps to S$160. It’s designed for people whose credit card bill is a food diary.
Built for the heavy spender whose credit card bill is a food diary. The cashback cap scales with your total spend, so the more you dine, the better it gets. If you push past S$1,600 monthly across categories, the dining cap doubles, making this card a reward for big appetites. It’s the card that grows with you.
Address: Branches islandwide—use the branch locator.
Phone: +65 6538 1111
Price signal: Minimum spend tiers; dining cashback caps at S$80, S$120, or S$160 depending on total spending.
OCBC 365
If you tend to dine out heavily some months and less in others, the tiered structure means you don’t leave cashback on the table when your spending is high. Pair it with the bank’s other cards for groceries and transport, and you start to see the whole household budget working a little harder. For more on how OCBC cards fit into a bigger picture, our look at OCBC Credit Cards in Singapore might be useful.
Citi Rewards (with Amaze)
This is a pairing, not just a card. The Citi Rewards card itself earns 4 miles per dollar on dining, capped at S$1,000 a month. Link it with the Amaze app and your transactions get converted in a way that often bumps the earn rate further, especially for overseas dining or online food orders that code as travel. There’s a small fee involved on the Amaze side, but the miles gain usually outweighs it if you dine internationally often.
This combo is for the adventurous diner who orders from overseas food platforms or eats abroad frequently. The Amaze link often converts dining transactions into higher-earning travel codes, but you’ll need to accept a small fee. Best for those who view miles as a game and don’t mind the extra step.
Address: Citi Plaza, 268 Orchard Road, Singapore 238859
Phone: 1800 225 5225
Price signal: Annual fee; monthly dining miles cap S$1,000.
Citi Rewards
Keen miles collectors who eat at a mix of local and overseas joints will appreciate the combo. The Amaze link turns regular dining spend into a miles-printing machine, and because the cap is S$1,000, you can get quite a lot of miles before hitting the ceiling. If you already use Amaze for travel, adding this card feels natural.
Another take on dining rewards you might find helpful is our piece on Elite Dining Rebate Credit Cards That Elevate Singapore’s Culinary Scene.
How to choose
First, ask yourself whether you want cash back or miles. Cashback is instant gratification; miles take patience but can be worth more for travel. People who fly business class or take several trips a year usually prefer miles, while those who just want to offset the bill lean towards cashback.
Next, check the monthly spending caps. Some cards cap dining rewards at S$80 cashback or S$1,000 spend for miles. If your monthly restaurant bill easily exceeds that, you might hit the cap by mid-month and earn nothing extra. A card with a higher or tiered cap, like OCBC 365, could suit heavier spenders better. Also look at the minimum spend required; if you don’t normally hit S$800, a card with no minimum or a lower threshold could be a better fit.
Finally, think about how you pay. Contactless-only bonuses, like UOB Preferred Platinum Visa’s, are perfect for phone tappers but leave out diners who prefer to hand over a physical card. For those who eat abroad often, the Citi Rewards–Amaze setup adds value where others might not.
| Card | Dining Reward | Monthly Cap / Condition | Type | Min. Spend |
|---|---|---|---|---|
| UOB Lady’s Card | Up to 10 miles per dollar | S$1,000 on dining for bonus miles | Miles | None |
| UOB Preferred Platinum Visa | 4 miles per dollar (contactless) | S$1,110 on contactless dining | Miles | None |
| Maybank Family & Friends | 8% cashback | S$312.50 spend for dining cashback | Cashback | S$800 |
| Citi Cash Back | 6% cashback | S$80 cashback cap | Cashback | S$800 |
| HSBC Live+ | 5% (8% new) | S$250 quarterly dining cap | Cashback | S$600 |
| OCBC 365 | 5% cashback | Tiered cap up to S$160 | Cashback | S$800–$1,600 |
| Citi Rewards (with Amaze) | 4 miles per dollar (up to more with Amaze) | S$1,000 on dining | Miles | None |
Summary
The best dining credit card in Singapore depends on how you spend and what you want back. For miles without complicated categories, UOB Preferred Platinum Visa keeps things effortless, while Citi Cash Back puts actual money back into your account. Families and larger groups often get the most cashback from Maybank Family & Friends’ blunt 8% rate, and big spenders can let OCBC 365’s tiered caps grow with their lifestyle.
Details can change, and each bank’s terms update now and then. Always confirm the latest rates and caps directly with the card issuer before applying.
Frequently asked questions
Which dining credit card gives the highest cashback in Singapore?
Maybank Family & Friends offers 8% cashback on dining when you select it as your category, after meeting the S$800 minimum spend and subject to a cap of S$25 cashback per month (on S$312.50 dining spend). HSBC Live+ gives 8% to new cardholders for a limited period, while Citi Cash Back offers a steady 6%.
Are there any dining credit cards with no minimum spend requirement?
Yes. UOB Lady’s Card, UOB Preferred Platinum Visa, and Citi Rewards (with Amaze) have no monthly minimum spend to earn dining rewards. However, they each have caps on the amount of spending that qualifies for bonus miles.
Which card is better for someone who travels often and dines out?
UOB Lady’s Card can stack up to 10 miles per dollar on dining when linked with a UOB Lady’s Savings Account, making it strong for travel redemptions. Citi Rewards paired with Amaze also excels, especially for overseas dining and online food orders, often boosting miles beyond the base rate.
Can I earn cashback on food delivery with these cards?
Yes. The UOB Lady’s Card and Maybank Family & Friends both explicitly cover food delivery under their dining categories. Other cards like Citi Cash Back and OCBC 365 typically include it under dining as long as the merchant category code matches.
What should I check before applying for a dining credit card?
Look at the reward rate, monthly cap on bonus earnings, any minimum spend requirement, and whether the card’s definition of dining matches where you usually eat. Also note the annual fee and whether your spending pattern will let you hit the minimum without forcing extra purchases.
Is the UOB Lady’s Card only for women?
Despite the name, UOB Lady’s Card is available to all applicants regardless of gender. The bonus categories and rewards structure work the same for everyone.
