Top 10 Best Credit Cards for Dining in Singapore 2026

With Singapore’s vibrant food scene constantly expanding and dining costs on the rise in 2026, choosing the right credit card can help you earn serious cashback or rewards every time you eat out. Whether you prefer hawker centres, casual bistros, or fine dining restaurants, these top dining credit cards in Singapore offer some of the most compelling perks for food lovers.

1. OCBC Titanium Rewards Credit Card

The OCBC Titanium Rewards Credit Card is a top pick for dining enthusiasts in Singapore, offering an impressive 10X reward points on qualifying purchases at restaurants, cafes, and online food platforms. Accumulated points can be redeemed for cash rebates, air miles, shopping vouchers, and more, making every meal out genuinely rewarding. Whether you dine in or order online, this card ensures your spending works harder for you.

• 📞 Phone: +65 6363 3333
• 🌐 Website: https://www.ocbc.com

2. UOB ONE Card

The UOB ONE Card is widely regarded as one of the best dining credit cards in Singapore, delivering up to 10% cashback when you meet monthly spend requirements across eligible dining, grocery, and retail categories. Its tiered cashback structure rewards consistent spenders, making it ideal for Singaporeans who regularly eat out or order in. Pair it with a UOB ONE Account for even greater savings potential.

• 🌐 Website: https://www.uob.com.sg/personal/cards/credit/uob-one-card.page

3. DBS Live Fresh Student Credit Card

The DBS Live Fresh Student Credit Card is a fantastic entry-level option for students in Singapore looking to earn rewards on everyday dining and lifestyle spending. Cardholders enjoy up to 5% cashback on online and Visa contactless transactions, perfect for tapping and paying at hawker centres, cafes, and food delivery platforms. With no income requirement for students, it’s an accessible and rewarding first credit card.

• 📞 Phone: 96800306
• 🌐 Website: https://www.dbs.com.sg

4. Citi Rewards Credit Card

The Citi Rewards Credit Card is a powerhouse for Singapore diners, offering an exceptional 10X rewards points on dining, food delivery, and a broad range of retail spending. Points never expire, giving cardholders the flexibility to accumulate and redeem them for air miles, vouchers, or cash credits at their own pace. Its generous earning rate across multiple categories makes it a versatile must-have for food lovers.

• 🌐 Website: https://www.citibank.com.sg/credit-cards/rewards/

5. American Express True Cashback Card

The American Express True Cashback Card offers a straightforward and transparent cashback proposition for diners in Singapore — earn a flat 1.5% cashback on all spending with no minimum spend and no cashback cap. New cardholders can enjoy an elevated 3% cashback during the first six months, making it especially rewarding from day one. Its simplicity and wide acceptance across Singapore’s dining scene make it a reliable everyday companion.

• 🌐 Website: https://www.americanexpress.com/en-sg/credit-cards/true-cashback-card/

6. Standard Chartered Smart Credit Card

The Standard Chartered Smart Credit Card stands out among Singapore’s best dining credit cards for its impressive 6% cashback on everyday merchants, including dining and food delivery, with absolutely no minimum spend required. Cardholders also benefit from a waived annual fee for life and zero cash withdrawal fees, keeping costs refreshingly low. It’s a smart, fuss-free choice for Singaporeans who want strong rewards without complex conditions.

• 📍 Address: 2 Shenton Way #20-02 SGX Centre 1 Singapore 068804
• 📞 Phone: +65 6747 7000
• 🕐 Opening Hours: months’ CPF Transaction History Statement To be considered for a higher loan am
• 🌐 Website: https://www.sc.com

7. Maybank Family & Friends Card

The Maybank Family & Friends Card is tailor-made for Singaporeans who love dining and spending as a household, offering up to 8% cashback on dining, groceries, transport, and online shopping. The card rewards you based on your top five spending categories, ensuring your family’s biggest expenses earn the most cashback each month. With a reasonable minimum spend threshold, it’s a practical and generous choice for food-loving families.

• 🌐 Website: https://www.maybank.com.sg/personal/cards/credit-cards/family-friends-card.page

8. HSBC Visa Platinum Credit Card

The HSBC Visa Platinum Credit Card is a well-rounded dining credit card in Singapore, earning cardholders a solid 5% cash rebate on dining, groceries, and fuel when quarterly spend requirements are met. It also delivers exclusive instant discounts at Caltex and Shell petrol stations, making it ideal for families and drivers who dine out regularly. Its multi-category rewards structure makes it a versatile and dependable everyday card.

• 🌐 Website: https://www.hsbc.com.sg

9. CIMB Visa Signature Credit Card

The CIMB Visa Signature Credit Card is a compelling choice for Singapore diners seeking high cashback with no annual fees ever. Earn up to 10% cashback on dining, online shopping, beauty, and health spending, alongside access to over 1,000 regional deals and discounts. With no annual fee for life and generous cashback potential, it delivers exceptional value with virtually no ongoing cost.

• 📞 Phone: +65 6333 6666
• 🕐 Opening Hours: mond Boutique RM50 # off with min spend of RM500 on diam
• 🌐 Website: https://www.cimb.com.sg

10. POSB Everyday Card

The POSB Everyday Card is a trusted favourite among Singapore residents, offering consistent cashback on dining, groceries, online food delivery, and daily essentials across a wide network of merchants. Cardholders enjoy savings at popular supermarkets and dining establishments, alongside exclusive POSB partner deals that stretch every dollar further. Backed by DBS’s robust rewards ecosystem, it’s a reliable and rewarding card for everyday Singaporean life.

• 📞 Phone: 96800306
• 🌐 Website: https://www.posb.com.sg

Compare these top dining credit cards side by side and pick the one that best matches your spending habits — your next meal out could earn you more than just a full stomach.