3 Best Credit Cards for Dining in Singapore

best credit cards dining card singapore

In the land of shopping centres and cinemas, nothing satisfies a bored Singaporean better than good food and drinks. You can imagine then, the significance dining privileges would have on our pockets. Eat, sleep, grow fat and then become health conscious. It’s kind of a vicious cycle really. But what to do? We really have nothing better to do mah. All we can do now is try to maximise on our fat growths by billing them to (the best) credit cards. At least SOME good came out of it…

The American Express Platinum Credit Card

American Express logo
MoneySmart Exclusive
at participating Platinum EXTRA Partners
S$1.60 = 10 Points
on All Other Spend
S$1.60 = 2X Points
Rewards to Miles Conversion
1 Point = 0.55 Miles
MoneySmart Exclusive:

Get an Apple Airpods Pro, 2nd Generation (worth S$359) OR eCapitaVouchers (worth S$300) OR $280 Cash via Paynow when you apply, spend and complete annual fee paymentT&Cs apply. 

Valid until 30 Nov 2022

If you love dining in upscale restaurants and hotels with friends and am just a all-round atas freak, the Amex Platinum credit card would be best for you. Basically, you get up to 50% off your dining both locally and overseas if you eat with two other friends. Of course as with all things the restaurant you dine at has to be a “selected” merchant. But hey, if you like group dates, 50% is pretty game changing. Otherwise, 35% off your bill is also a sweet treat when you’re on a 1-on-1 (I’m assuming nobody eats alone).

In addition to the above, your complimentary The Far Card Classic membership would also entitle you to huge member deductions of up to 50% off dining in Singapore’s atas Fairmont and Swissôtel hotels.

If you’re looking to get a good dining card, now would be a good time to apply. Apart from a full fee offer, American Express is currently giving out a Bang & Olufsen B&O PLAY H5, a Samsonite Sigma 76 Expandable Spinner Luggage, together with a night’s stay at Dorsett Singapore for applicants of the card.

If you are interested in the American Express Platinum Credit Card, you can apply here.


Citi Cash Back Card

Citibank logo
MoneySmart Exclusive
Cash Back on Dining, Groceries & Petrol
Up to 8%
Total Cash Back Cap, per month
From Shell & Esso
Up to 20.88% savings
Stand a chance to be one of the 3 lucky winners of our 100% Cashback Lucky Draw when you shop at the MoneySmart Membership store with your Citibank Credit Card!

Valid until 30 Nov 2022

If your monthly expenditure exceeds $888, this card offers a 8% cashback rate for all dining and groceries spent globally and up to 10% of additional rebates off 500 selected merchants. We love how flexible this card is in terms of the range of food we can choose from. Although there is a maximum cap of dining rebates given at $25 a month. 

If you are interested in the Citi Cash Back Card, you can apply here.



A card with one of the highest cash back rate on our list, the UOB YOLO Card has exclusive deals at many restaurants and gives up to 8% cash back on all weekend dining. Even if the 3% cash back you get on weekday dining and 0.3% on all other spending aren’t that significant, you can choose to invest these rebates into unit trusts automatically to grow the amount via UOB’s Young Professionals Solution’s Sweep feature.

Once you’ve paired your card with UOB’s One Account, your YOLO Card can be upsized to UOB’s Young Professional Solution. So you can feel less guilty now about spending on dining. Because the more you eat the more your rebates will grow grow grow like potato.


Do take note that there is a minimum spend of $600 every month though.

If you are interested in the UOB YOLO Card, you can apply here.



Do you have a preferred credit card for dining? Comment and let us know about it!