Best Cashback and Miles Cards For Dining and Restaurants in 2026
With the right cards and apps, it is possible to get quite a lot of cashback or miles for your dining expenses. Read on to find out the best cashback or miles cards for you to use when eating out.
Merchant Category Codes to watch for
When it comes to dining, there are a few Merchant Category Codes (MCC) to look at. These are generally the ones we would find covered by dining cards in Singapore:
| MCC | Description | Rarity* |
|---|---|---|
| 5811 | Caterers | Rare |
| 5812 | Eating Places and Restaurants | Very common |
| 5813 | Bars, Cocktail Lounges, Discotheques, Nightclubs and Taverns–Drinking Places | More for bars |
| 5814 | Fast Food Restaurants | Very common |
| 5499 | Miscellaneous Food Stores | Not common |
When it comes to eating out, 5812 and 5814 are probably the two most common MCCs across the many restaurants, eateries, and fast food places we find in Singapore. While the description of 5814 is for fast food restaurants, many eateries that look like a restaurant (and charge like one) can sometimes be tagged under this code.
5813 is more relevant for bars, though some gastropubs like Brewerkz may fall under this. From my experience, 5499 is more for online food supply stores, and I haven’t encountered a physical dining location that was tagged under this code.
Having a card that covers both 5812 and 5814 is quite comprehensive enough, though note that a couple of dining cards don’t cover 5814 at the moment.
Check out this guide to see how to check MCCs.
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Cashback Cards For Dining
Cashback cards offer anywhere between 5% to 8% cashback, though such earn rates require you to hit minimum spend.
Some things to take note of: Maybank Family & Friends also has a category cap, so you can’t spend all of the minimum spend on dining and get 8% on the entire amount. OCBC 365 does not support 5814.
| Card | Advertised Earn Rate | Monthly Cap | MCCs | Conditions |
|---|---|---|---|---|
 BOC NVMO | 10% cashback | S$25 cashback (S$250 spend) | 5812 5814 | 💲 Minimum spend of S$800 per billing month |
 Maybank Family & Friends | Tier 1: 6% cashback Tier 2: 8% cashback | Tier 1: S$20 cap (S$333.33 spend) Tier 2: S$30 cap (S$375 spend) | 5812 5814 | 1️⃣ Tier 1: min. spend of S$800 per month 2️⃣ Tier 2: min. spend of S$1,600 per month 💳 Dining & Food Delivery category selected 👉🏼 5813 is covered if Entertainment category is selected |
 HSBC Live+ | 5% cashback (8% for new cardholders) | S$250 quarterly Cashback | 5811 5812 5814 | 💲 Minimum spend of S$600 per month for 3 months |
 Citi Cash Back | 6% cashback | S$80 cashback (S$1,333.33 spend) | 5811 5812 5814 | 💲 Minimum spend of S$800 per month |
 OCBC 365 | 6% cashback | S$160 cashback | 5811 5812 5814 | 💲 Minimum spend of S$800 per month |
 Trust Freedom Card | 5% to 15% cashback¹ | S$30 to S$250 quarterly cashback cap | 5811 5812 5814 5499 | 💲 Minimum spend of S$500, $1,000 or S$2,000 per month for 3 months 💳 Bonus Cashback category of Dining is chosen |
 Maybank XL Cashback | 5% cashback | S$80 cashback (S$1,600 spend) | 5811 5812 5814 | 💲 Minimum spend of S$500 per month |
 DBS Chromo | 5% cashback | S$37.50 cashback (S$750 spend) | 5811 5812 5813 5814 5499 | 💲 Minimum spend of S$500 per month 💳 Dining as one of your top 2 spending categories |
 POSB Everday | 5% cashback | S$20 cashback (S$400 spend) | 5811 5812 5813 | 💲 Minimum spend of S$800 per month |
Miles Cards For Dining
Miles cards with specific dining categories tend to offer 4 miles per dollar.
| Card | Earn Rate | Monthly Cap | MCCs | Conditions |
|---|---|---|---|---|
 HSBC Revolution | Tier 1: 4 miles per dollar¹ Tier 2: 8 miles per dollar¹ | Tier 1: S$1,000 spend Tier 2: S$1,200 spend | 5811 5812 5813 | 💰 Tier 2 requires S$50,000 MAB in HSBC EGA |
 Maybank XL Rewards | 4 miles per dollar | S$1,000 spend (4,000 miles) | 5811 5812 5814 | 💲 Minimum spend of S$500 per month |
 UOB Lady’s | 4 to 10 miles per dollar² | S$1,000 spend (4,000 to 10,000 miles) | 5811 5812 5814 5499 | 💳 Dining category selected 👉🏼 5813 is covered if Entertainment category is selected |
 UOB Lady’s Solitaire | 4 to 10 miles per dollar² | S$750 spend (3,000 to 7,500 miles) | 5811 5812 5814 5499 | 💳 Dining category selected 👉🏼 5813 is covered if Entertainment category is selected |
 KrisFlyer UOB | 1.2 to 3 miles per dollar³ | Uncapped | 5811 5812 5814 | 💲Minimum spend of S$1,000 per year on Singapore Airlines Group |
- HSBC Points convert sub-optimally to KrisFlyer miles; see transfer calculator for details
- Earn rate depends on account balance in UOB Lady’s Account
- 2.4 miles per dollar with min. spend of S$1,000 on Singapore Airlines Group transactions within membership year; 3 miles per dollar on Kris+ dining expenses (with no min. spend required)
Other Cards
If you’re concerned about MCCs, consider blacklist cards like these instead. Note that cards that offer bonus rewards on online category only can only be used for in-person dining if the eatery accepts wallet app payments (e.g. Kris+, ShopBack Pay etc.)
| Card | Advertised Earn Rate | Monthly Cap | Conditions |
|---|---|---|---|
 UOB EVOL | 10% cashback¹ | S$30 cashback (S$300 spend) per category | 💲 Minimum spend of S$800 per month 📲 Local mobile contactless payment 🌐 App/online |
 OCBC FRANK | 8% cashback¹ | S$25 cashback (S$312.50 spend) per category | 💲 Minimum spend of S$800 per month 📲 Mobile contactless payment 🌐 App/online |
 DCS Flex | 6% cashback | S$25 cashback (S$416.67 spend) per category | 💲 Minimum spend of S$600 per month 📲 Contactless payment 🌐 App/online |
 Citi SMRT | 5% cashback | S$600 cashback annually (S$12,000 spend) | 💲 Minimum spend of S$500 per month 🌐 App/online ❌ Travel and mobile wallet excluded |
 UOB One | 3.33% cashback (with bonus on selected partners) | S$200 cashback quarterly S$120 cashback per month for selected partners | 💲 Minimum spend of S$600 / S$1,000 / S$2,000 per month for a quarter |
 Maybank Platinum Visa | 3.33% cashback | Quarterly cap of S$30, S$100 or S$200 | 💲Quarterly mechanic: spend S$300, S$1,000 or $2,000 per month for a quarter |
 SAFRA DBS | 3% cashback | S$50 cashback per month (S$1,666.67 spend) | 💲 Minimum spend of S$500 per month 🫡 Must be SAFRA member 📲 Contactless payment 🌐 App/online |
 UOB Preferred Visa | 4 miles per dollar | S$600 spend per category (2,400 miles) | 💲 Points awarded in blocks of S$5 spend 📲 1st Category: mobile contactless payment 🌐 2nd Category App/online for selected MCCs only |
 UOB Visa Signature | 4 miles per dollar | S$1,200 spend (4,800 miles) | 💲 Minimum spend of S$1,000 per month 📲 1st Category: in-store contactless payment 💱 2nd Category: foreign currency |
 Citi Rewards | 4 miles per dollar | S$1,000 spend (4,000 miles) | 🌐 App/online 💳 In-person through Amaze with 1% fee ❌ Travel and mobile wallet excluded (Apple Pay or Google Pay, even online ones, do not work) |
 DBS Woman’s World Mastercard | 4 miles per dollar | S$1,000 spend (4,000 miles) | 🌐 App/online |
- Advertised rate can be quite misleading. A high cashback rate can be watered down due to a low sub-limit and minimum spend.
Stack with wallet apps
If the restaurant you are dining at accepts wallet apps, paying through those can get you additional rewards on top of your credit card cashback/miles. They also convert your transactions to online ones.
| App | Referral Code | Additional Rewards |
|---|---|---|
 FavePay | FAVEJUNYI2 | Merchant return cashback |
 Kris+ | W159000 | KrisPay+ miles |
 ShopBack Pay | CsgtbD | Merchant return cashback |
 Grab | – | Dining discounts |
Looking for ways to pay at hawker centres?
Check this post out for ways to pay at hawker stalls and neighbourhood eateries:
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Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.
He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.
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Please exercise due diligence when signing up for any service/product as I will not be liable for any personal loss, financial or otherwise. Content published here are my sole views and personal opinion, and none of the information here constitutes personal financial advice nor represents the views of my employer(s).
Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.
He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.
Subscribe to the channel for free updates!
Disclaimer: I may receive an affiliate/referral fee when you sign up for services/products on this site, and such fees keep the site running. I would only recommend services/products I would personally use or recommend to my own friends and family, but I do not provide any warranty or guarantee for the quality of these services/products. Thank you for supporting my site!
Please exercise due diligence when signing up for any service/product as I will not be liable for any personal loss, financial or otherwise. Content published here are my sole views and personal opinion, and none of the information here constitutes personal financial advice nor represents the views of my employer(s).
Hey Seth! The Maybank XL Rewards Card covers MCC 5813 as well. It’s classified under “Entertainment”.