Top 10 Best Credit Cards for Dining in Singapore 2026

With Singapore’s vibrant food scene offering everything from Michelin-starred restaurants to beloved hawker centres, having the right credit card can earn you serious rewards on every meal. In 2026, banks are competing fiercely with generous dining cashback, bonus miles, and exclusive restaurant privileges — making it a great time to upgrade your wallet.

1. OCBC 365 Credit Card

The OCBC 365 Credit Card is a perennial favourite among Singapore foodies, offering an impressive 6% cashback on dining at restaurants, cafes, and food delivery platforms. With cashback also extending to groceries, petrol, and transport, it delivers everyday value well beyond mealtimes. A minimum monthly spend of S$800 applies, making it ideal for cardholders who regularly dine and spend across multiple categories.

• 📞 Phone: 93200032
• 🌐 Website: https://www.ocbc.com

2. DBS Live Fresh Card

The DBS Live Fresh Card is tailor-made for Singapore’s younger, digitally savvy diners, offering up to 5% cashback on online food delivery and dining spends. Its fresh, lifestyle-oriented rewards structure also covers online shopping and Visa contactless payments, making it a versatile everyday companion. With a modest minimum spend requirement, it’s one of the most accessible dining cards on the market.

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

3. UOB YOLO Card

The UOB YOLO Card lives up to its name by rewarding spontaneous dining and entertainment spending with up to 8% cashback on weekends at restaurants, cafes, and bars across Singapore. Designed for millennials who love to eat out and socialise, it also offers cashback on Grab, online food delivery, and entertainment. Weekend diners will find this card particularly rewarding for their social lifestyle.

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

4. Citi Cash Back Card

The Citi Cash Back Card is a straightforward and dependable choice for Singapore diners seeking consistent rewards, offering up to 8% cashback on dining, groceries, and petrol. There’s no need to track spending categories or juggle points — cashback is credited directly to your account. With a minimum spend of S$800 per month, it suits regular diners who want simple, tangible savings.

• 🌐 Website: https://www.citibank.com.sg

5. HSBC Live+ Credit Card

The HSBC Live+ Credit Card is one of Singapore’s most rewarding lifestyle cards, delivering up to 8% cashback on dining, entertainment, and shopping spend. It caters to food lovers who frequent restaurants, cafes, and entertainment venues island-wide, with a generous monthly cashback cap. Cardholders also enjoy exclusive dining privileges and promotions with HSBC’s network of partnered merchants across Singapore.

• 🌐 Website: https://www.hsbc.com.sg/credit-cards/products/live-plus/

6. Standard Chartered Smart Credit Card

The Standard Chartered Smart Credit Card stands out in Singapore’s competitive card market with a flat 6% cashback on everyday spending — including dining — with absolutely no minimum spend required. There’s no annual fee and no cash withdrawal fee, making it a genuinely fuss-free option for diners at all spending levels. It’s an excellent entry-level card for those who want real savings without complex reward structures.

• 📍 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 a top pick for Singapore households who dine together, offering up to 8% cashback across five spending categories of your choice, including dining and groceries. Its flexibility allows families to customise rewards based on their regular spending habits, maximising value every month. With a minimum monthly spend of S$1,000, it’s best suited to households with consistent, high dining and daily expenditure.

• 🌐 Website: https://www.maybank2u.com.sg/en/cards/credit-cards/family-and-friends-card.page

8. American Express True Cashback Card

The American Express True Cashback Card offers a refreshingly simple rewards proposition for Singapore diners — a flat 1.5% cashback on all eligible purchases with no spending caps or category restrictions. New cardholders enjoy an elevated 3% cashback for the first six months, making it an attractive welcome offer. While the rate is modest, its unlimited, category-free cashback model makes it a reliable backup card for dining and beyond.

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

9. DBS Altitude Visa Signature Card

The DBS Altitude Visa Signature Card is a premium travel rewards card that also delivers excellent value for Singapore’s frequent diners, earning up to 3 miles per S$1 spent on dining and local purchases. Points accumulate quickly and can be transferred to a wide range of airline and hotel loyalty programmes, making every meal a step closer to your next trip. It’s a smart pick for diners who prefer to convert restaurant spending into travel rewards.

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

10. CIMB Visa Signature Card

The CIMB Visa Signature Card is a hidden gem for Singapore diners, offering an impressive 10% cashback on dining, beauty, and wellness spending with no annual fee — ever. The unlimited annual fee waiver makes it one of the most cost-effective dining cards available, with cashback credited directly and transparently. With a minimum monthly spend of S$800, it’s a compelling choice for budget-conscious foodies seeking maximum dining rewards.

• 🌐 Website: https://www.cimb.com.sg/en/personal/cards/credit-cards/cimb-visa-signature.html

Compare these top dining credit cards and pick the one that best matches your spending habits to start earning more rewards on every meal in Singapore.