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 customers

Maybank promo
Apply for a Maybank Credit Card and a CreditAble Account, make a min spend of $300 per month for 2 consecutive months, and receive:

  • First 4,500 applicants: Samsonite Harts 68/25 Spinner (worth S$500)
  • 4,501 onwards: S$100 cashback

Note that you do not need to use the Creditable Account if you wish, and can just meet the requirement using the credit card.

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. Fulfil requirements as stated in terms and conditions

Credit card terms and conditions
Credit card terms and conditions (UOB)
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

🔥 👍🏼

New to bank

First 100 in November 2022 and first 200 in December 2022 will qualify: get S$300 when you sign up and make minimum spend of S$1,000 per month for 2 consecutive months.

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. Fulfil requirements as stated in terms and conditions

Credit card terms and conditions
Credit card terms and conditions (UOB)
Banking account terms and conditions
Priority banking 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

🔥 👍🏼

New to bank*

Choose to get Citi Promo:

Or, choose Singsaver Promo:

  1. Popsical Remix II (comes with 1 Month Free Subscription) (worth S$599)
  2. Dyson V8 Slim™ Fluffy (worth S$549)
  3. Morning Coffee Machine (worth S$510)
  4. S$350 Cash

Plus: win up to S$30,000 worth of prizes with 3x lucky draw chances!

⚠️ Remember to fill out SingSaver form in your email after application.

Until 18th December 2022

*Minimum spend of S$500 within 30 days of card approval. Terms and conditions apply

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. Fulfil requirements as stated in terms and conditions

Credit card terms and conditions
Credit card terms and conditions (UOB)
Banking account terms and conditions
Priority banking terms and conditions

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.

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

🔥 👍🏼

New to bank*
Choose one*:

  1. Apple AirPods Pro 2nd Gen (worth S$359)
  2. Dyson AM07 fan (worth S$499)
  3. $350 Cash via PayNow

Offer until 18th December 2022

Requirements
*min spend of $500 within 30 days of card approval.

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. Fulfil requirements as stated in terms and conditions

Credit card terms and conditions
Credit card terms and conditions (UOB)
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

DBS Vantage

Until the end of 2022, DBS Vantage gives you either 4% cashback or 4 miles per dollar on dining transactions (MCC 5812) and drinking places (MCC 5813). This earn rate works for up to S$2,000 of spend in a month.

DBS Vantage

🔥 👍🏼

New to bank*
Get 60,000 miles upon sign up with code VANMILES, payment of $588.50 annual fee, and spending S$8,000 in eligible transactions within 60 days

*Apply by end of 31st January 2023

Get free Accor Plus Explorer membership with one free hotel night per year! Also get 10 free lounge visits a year via Priority Pass. $120,000 annual income requirement. 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 to bank
Welcome Gift:Receive a Samsonite Prestige 69cm Spinner Exp (worth S$670) or S$200 cashback when you make min. S$500 spend upon card approval. Valid till 31 Dec 2022. T&Cs apply.

Existing customers
Receive: S$50 after fulfilling the same conditions


^Minimum spend of $500 before end of following month from application
Valid until 31st December 2022

Citi Rewards

🔥 👍🏼

New to bank*

Choose to get Citi Promo:

Or, choose Singsaver Promo:

  1. Popsical Remix II (comes with 1 Month Free Subscription) (worth S$599)
  2. Dyson V8 Slim™ Fluffy (worth S$549)
  3. Morning Coffee Machine (worth S$510)
  4. S$350 Cash

Plus: win up to S$30,000 worth of prizes with 3x lucky draw chances!

⚠️ Remember to fill out SingSaver form in your email after application.

Until 18th December 2022

*Minimum spend of S$500 within 30 days of card approval. Terms and conditions apply

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. Fulfil requirements as stated in terms and conditions

Credit card terms and conditions
Credit card terms and conditions (UOB)
Banking account terms and conditions
Priority banking terms and conditions

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

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 customers

Maybank promo
Apply for a Maybank Credit Card and a CreditAble Account, make a min spend of $300 per month for 2 consecutive months, and receive:

  • First 4,500 applicants: Samsonite Harts 68/25 Spinner (worth S$500)
  • 4,501 onwards: S$100 cashback

Note that you do not need to use the Creditable Account if you wish, and can just meet the requirement using the credit card.

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. Fulfil requirements as stated in terms and conditions

Credit card terms and conditions
Credit card terms and conditions (UOB)
Banking account terms and conditions
Priority banking terms and conditions

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

🔥 👍🏼

Up to 32,000 miles for the first 2,000 new-to-UOB Credit Cardmembers monthly who apply and make a min. spend of $2,000 within 60 days from card approval. 

Valid till 31 Jan 2023. T&Cs apply

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$500 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!

Keep up to date on the best cashback/mile cards, financial products, attractive deals, and more tips to maximise your financial wellbeing by subscribing to my Telegram channel.

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