Great Cards For Good Food

💳 This is part of the “The Best Cards to Use” series. Tap here for more great cards to use in other areas of spend!

Dining out can be pricey in Singapore, but there are ways to get good rewards during payment. Even better if you have friends or colleagues who aren’t in the credit card game and let you pay… free miles and cashback might taste better than the food.

Maybank Family and Friends

Maybank Family and Friends pop up frequently in my “Best Cards to Use” series, and for good reason: 8% cashback is as high as one can expect to get from cashback cards at present. Maybank F&F gives its high cashback rate on a variety of everyday categories, and dining is one such area of spend.

Maybank defines its Dining & Food Delivery category as restaurant dining, Foodpanda, and Deliveroo. This means that it specifically covers only eating places with the Merchant Category Code (MCC) of 5812, and not places with MCC 5814, typically given for fast food restaurants. This can be quite problematic because there are many eating places that look like a restaurant, and certainly charge prices like one, but still come with MCC 5814.

It’s an unfortunate caveat to an otherwise great earn rate for your dining expenses. There is also a minimum spend of S$800 a month required across all spend on the card, and a cashback limit of S$25 per category. This makes for a maximum of S$312.50 of dining spend that should be made with this card within a month.

Maybank
Family and Friends

🔥 👍🏼

New to Maybank Customers

Apply for both an eligible Maybank Credit Card and a CreditAble Account, and make a min spend of S$600 per month on the credit card for 2 consecutive months. Choose:

  • A pair of American Tourister Linex 66/24 Luggage TSA; or
  • AirPods (3rd generation) with Lightning Charging Case; or
  • S$200 cash credit
  • 10,000 miles (only for Maybank Horizon)

Note that you need to apply for the CreditAble account, although you do not need to use it.

Application Steps

  1. Sign up here
  2. Note down the Application Reference number (at the end of Application, starts with REF-XXXXXXX)
  3. Fill up this Google form

Please view the terms and conditions here and save a copy for your reference.

Sign-up Process

  1. Apply with the link
  2. Important: find SingSaver email and fill in redemption form after application; no form no reward
  3. Promo code field can be left blank
  4. Fulfil requirements as stated in terms and conditions

Credit card terms and conditions
Banking account terms and conditions
Priority banking terms and conditions

Get 8% cashback on selected categories like groceries, telco, and more! Read the review here

UOB EVOL

To save the trouble of figuring out whether a place is 5812 or 5813 (or perhaps the occasional gastropub with 5813), you might want to consider the UOB EVOL which gives its high earn rate of 6.67% on online and Paywave transactions – the latter category being immensely useful for dining out.

The minimum spend is S$600 in a month, and there is a cap of S$20 of cashback attainable on the Paywave transaction. You would need to make a mixture of Paywave and online transactions to get the 6.67% earn rate.

UOB EVOL

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S$350 Cash credits: 
The first 200 new-to-UOB credit card customers who successfully apply for an eligible UOB Credit Card between 1st April 2024 and 31st April 2024 (both dates inclusive) and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date, will receive S$350 cash credit.

Terms and conditions

Get 6.67% effective cashback on $600 of spend each month!

Citi Cash Back

Citi Cash Back is a great card for groceries, but it also gives a decent 6% cashback rate for dining expenses. It includes both 5812 and 5814 for its earn rate, and removes a lot of the guesswork whether a particular eatery would qualify for 6% cashback. It also includes Caterers under MCC 5811 for good measure. There is a minimum spend of S$800 per month, and this can be accomplished easily since it gives 8% on groceries (think vouchers) and petrol.

Citi Cash Back

Please note there are different promos so select carefully:

🔥 👍🏼

Citi Promo:

  • Citi PremierMiles: 30,000 miles
  • Citi Prestige: 125,000 points and more
  • Citi Rewards: 40,000 points
  • Citi Cash Back: S$300 cashback
  • Citi SMRT: S$300 cashback
  • Tap here to see Citi promos

Last day to apply: 30th April 2024


SingSaver Promo:

First 500 eligible applications from 9AM 9th April 2024, choose:

  • PS5 Slim (Disc Edition, retailing for S$799)
  • Dyson Airwrap(retailing for S$859)
  • S$500 in eCapitaVouchers!

501st eligible applications onwards, choose:

  • Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30)
  • Dyson Supersonic (worth S$699)
  • Dyson V8 Slim Fluffy (worth S$509)
  • S$400 eCapitaVoucher
  • S$300 cash via PayNow

Last day to apply: 30th April 2024
⚠️ Fill out SingSaver Rewards Redemption Form after application. No form = no reward
Terms and conditions apply

Get 8% cashback on groceries and petrol, as well as 6% on dining! Read the review here

OCBC 365

Also giving a decent 6% cashback with S$800 minimum spend is the OCBC 365 Credit Card. The card is becoming increasingly relevant these days after big improvements to its companion bank account, OCBC 360. With a high balance in your OCBC 360 account, meeting the Spend category’s requirement can actually net you a significant amount of bonus interest, and that can and should sway your credit card strategy.

Update: OCBC 365 has reduced cashback rate for dining to 5% (from 1st July 2023), and excluded 5814 (from 1st September 2023).

OCBC 365

🔥 👍🏼

New OCBC Cardholders

Choose:

  • Travel Bundle [Samsonite Volant Spinner 68/25 EXP + 2x Apple AirTag] (worth S$570.80)
  • Apple AirPods (Generation 3) with Magsafe Charging Case (worth S$274)
  • S$250 Cash via PayNow

Charge at least S$500 within 30 days from card approval

⚠️ Fill up SingSaver rewards form in email to choose your gift. No form completed = no reward given

Last date to apply: 15th February 2024

Plus: enjoy 3x chance to win your share of up to S$200,000 in prizes in 101 Milestone Giveaway

Terms and conditions:

  1. Tap here (save a copy for your own reference)
Sign-up Process

  1. Apply with the link
  2. Important: find SingSaver email and fill in redemption form after application; no form no reward
  3. Promo code field can be left blank
  4. Fulfil requirements as stated in terms and conditions

Credit card terms and conditions
Banking account terms and conditions
Priority banking terms and conditions

Get between 3 to 6% cashback on groceries, petrol, dining etc.

StanChart Smart Card

I’ll throw in the StanChart Smart for good measure, since someone’s idea of dining out could be McDonald’s; I do enjoy a good buttermilk chicken burger every now and then. It offers you a good 6% cashback earn rate, or a great 5.57 miles per dollar if you’re into airline miles. The decent earn rates are let down by its very short list of merchants, and everything food related can be found right here: Burger King, KFC, Mcdonald’s, Subway, Coffee and toast, Fun toast, Toast Box, Ya Kun Kaya Toast

StanChart Smart

Remember to fill rewards redemption form

🔥 👍🏼

  1. Dyson AM07 (retailing S$459)
  2. Apple AirPods Pro 2nd Generation (retailing $365.70)
  3. Apple iPad 9th Gen 10.2 Wifi 64GB (retailing S$508.30)
  4. S$300 Cash via PayNow

Plus: bonus S$20 + S$20 eCapitaVoucher

RequirementReward
Use the Apply links found on this site and fill up SingSaver gift redemption form in email.Form must be filled for reward!
Activate your physical card and spend at least S$250 within 30 days from card approvalReceive gift of choice
Split purchases with SCB EasyPay or EasyBillBonus S$20 eCapitaVoucher
S$1,000 minimum spend in the 2nd month after approvalBonus S$20 eCapitaVoucher
Last date to apply: 7th April 2024
Sign-up Process

  1. Apply with the link
  2. Important: find SingSaver email and fill in redemption form after application; no form no reward
  3. Promo code field can be left blank
  4. Fulfil requirements as stated in terms and conditions

Credit card terms and conditions
Banking account terms and conditions
Priority banking terms and conditions

Gives 19.2 Rewards points for selected merchants. That’s 5.57 miles per dollars or 6% cashback! Bundle with Bonus$aver for another sign-up gift! Watch the review here

HSBC Revolution, UOB Preferred Platinum, Citi Rewards + Amaze

In the realm of mile-earning cards, these three would do well to give you 4 miles per dollar. HSBC Revolution and UOB Preferred Platinum will both give you this earn rate on contactless payments, up to a limit of S$1,000 of spend per month for the HSBC Revolution, and S$1,110 for UOB PPV.

Citi Rewards would too give you 4 mpd up to S$1,000 per month, but you have to add it to your Instarem Amaze Card and use that card instead. This converts the dining transaction to an online one which Citi Rewards gives its 4 mpd earn rate for.

HSBC Revolution

🔥 👍🏼

New HSBC Cardholder¹
Choose:

  • Dyson Supersonic™ hair dryer (retailing S$699)
  • ErgoTune Joobie (retailing S$599)
  • Apple iPad 9th 10.2″ WiFi 64GB (retailing S$508.30)
  • S$350 eCapitaVoucher
  • S$150 cash via PayNow

Existing HSBC Cardholder²

  • S$50 cashback (with S$1,000 min spend)

⚠️ Important – complete all the following steps to be eligible for rewards:

  1. Provide HSBC consent to receive marketing/promotional materials during application
  2. Fill up SingSaver gift redemption form
  3. Make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards

Last date to apply: 14th May 2024

For quick reference only; refer to terms and conditions for exact terms and save a copy for future reference:

  1. Terms and conditions
  2. Terms and conditions (existing cardholder)

Get 10X points on eligible Paywave and online transactions. Annual fee waived for life. Tap here for the review

Citi Rewards

Please note there are different promos so select carefully:

🔥 👍🏼

Citi Promo:

  • Citi PremierMiles: 30,000 miles
  • Citi Prestige: 125,000 points and more
  • Citi Rewards: 40,000 points
  • Citi Cash Back: S$300 cashback
  • Citi SMRT: S$300 cashback
  • Tap here to see Citi promos

Last day to apply: 30th April 2024


SingSaver Promo:

First 500 eligible applications from 9AM 9th April 2024, choose:

  • PS5 Slim (Disc Edition, retailing for S$799)
  • Dyson Airwrap(retailing for S$859)
  • S$500 in eCapitaVouchers!

501st eligible applications onwards, choose:

  • Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30)
  • Dyson Supersonic (worth S$699)
  • Dyson V8 Slim Fluffy (worth S$509)
  • S$400 eCapitaVoucher
  • S$300 cash via PayNow

Last day to apply: 30th April 2024
⚠️ Fill out SingSaver Rewards Redemption Form after application. No form = no reward
Terms and conditions apply

Get 10X ThankYou Points (4 mpd or 2.27% cashback) on online and shopping transactions. Read the review here

UOB Lady’s

UOB Lady’s card gives 4 miles per dollar on dining transactions, be it fast food or otherwise. The standard UOB Lady’s card comes with a cap of S$1,000 per month for this earn rate while the S$120,000 annual income UOB Lady’s Solitaire card has a S$3,000 monthly cap.

You have to select Dining as your category to qualify for the 4 miles per dollar earn rate.

UOB Lady’s

S$350 Cash credits: 
The first 200 new-to-UOB credit card customers who successfully apply for an eligible UOB Credit Card between 1st April 2024 and 31st April 2024 (both dates inclusive) and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date, will receive S$350 cash credit.

Terms and conditions

15X UNI$ per dollar spent (6mpd) on selected category until 31st March 2024. Tap here for the review

Maybank Horizon Visa

Maybank Horizon Visa gives a 3.2 mpd earn rate, and unlike most mile cards, it requires a minimum spending which is S$300 per month. Like its cashback sibling, the Maybank card only gives its 3.2 mpd earn rate on 5812 transactions.

Maybank
Horizon

🔥 👍🏼

New to Maybank Customers

Apply for both an eligible Maybank Credit Card and a CreditAble Account, and make a min spend of S$600 per month on the credit card for 2 consecutive months. Choose:

  • A pair of American Tourister Linex 66/24 Luggage TSA; or
  • AirPods (3rd generation) with Lightning Charging Case; or
  • S$200 cash credit
  • 10,000 miles (only for Maybank Horizon)

Note that you need to apply for the CreditAble account, although you do not need to use it.

Application Steps

  1. Sign up here
  2. Note down the Application Reference number (at the end of Application, starts with REF-XXXXXXX)
  3. Fill up this Google form

Please view the terms and conditions here and save a copy for your reference.

Earn up to 3.2 mpd for restaurant dining, petrol stations, public transport (including Grab and taxi rides with our selected taxi service providers), and hotel bookings at Agoda.com/horizon.

KrisFlyer UOB

Spend a lot each month? KrisFlyer UOB appeared on my “big expenses” list, and it’s not hard to see why since it gives 3 mpd on an unlimited amount of eligible spend which includes dining. It also includes both 5812 and 5814, and for good measure 5813 too.

It requires you to spend at least S$800 per membership year on Singapore Air transactions (including Scoot and KrisShop), which may be an easy requirement depending on your travel habits.

KrisFlyer UOB Card

🔥 👍🏼

Get Miles

Gift for first 100 New-to-UOB Credit Card applicants who apply for KrisFlyer UOB Credit Card and spend S$2,000 in the first 60 days20,000 miles
Welcome Miles for first-time applicants5,000 miles
Miles earned with min S$2,000 spend in the first 60 days2,400 to 6,000 miles* 

TotalUp to 31,000 miles
*earn rate of 1.2 miles per dollar for local transactions and 3 miles per dollar for eligible categories

Terms and conditions:

  1. KrisFlyer UOB Credit Card

Last day to apply: 30th April 2024

Get 1.2 mpd on normal expenditure, and bonus 1.8 mpd on dining,
food delivery, online shopping and travel, and transport spend when you spend S$800 in a year with Singapore Airlines Group.

Don’t ignore wallet apps

There’re also a bunch of wallet apps that’d work in conjunction with your credit cards to great effect. Another post for another day, so stay subscribed to the Telegram for more updates and great deals!

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