Best Dining Rewards Credit Card

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07 Jun 2018

Food, the heartbeat of all Singaporeans. The ideal situation is that you can reap all the benefits like rewards and cash back by paying with your credit cards.

Credit card terms and categories can be quite confusing. You may want to look at this guide to MCC Codes for credit cards as a reference while going down the list of credit cards.

Best Dining Credit Card Rewards: TLDR;

Credit Card	Dining Perks	Max. Cashback	Min. Spend	Annual Fee
Citi Cash Back Card	8% Grocery, Dining, Grab	$100/Month, $25 each category	$888/Month	1st Year Waived, Subsequently $192.60
OCBC 365	6% Weekend Dining, 3% Weekday + Worldwide Dining	$80/Month	$600/Month	2 Years Waived, Subsequently $192.60
UOB YOLO	8% Weekend Dining, Entertainment, Grab, 3% Weekdays	$180	$1,200 first month	1st Year Waived, Subsequently $192.60
DBS Live Fresh	5% Visa payWave purchases, 0.3% other spend	$60	$600/Month	1st Year Waived, Subsequently $128
AMEX True Cash Back	3% Cash Back first 6 months	$0	$0	1st Year Waived, Subsequently $171.20
HSBC Revolution	Up to 10% off on dining, 5X Rewards on restaurants and online food orders	-	$0	2 Years Waived, Subsequently $160.50
UOB One Card	Flat Rate Cash Back of up to 5%	$300	$1,200 first month	1st Year Waived, Subsequently $192.60
Maybank Platinum Visa	Up to 3.33% all local spending	$100	$300/Month	3 Years Waived
DBS Woman's Card	Up to 20% off selected restaurants	-	-	1st Year Waived, subsequently $160.50
SCB Unlimited Cash Back	1.5% on all local spendings, 3% on overseas spendings	$0	$0	2 Years Waived, subsequently $193

Here’s a more detailed breakdown of each card:

10 Best Dining Credit Cards 2018

1. Citi Cash Back Card

Perks:

8% Cash back on grocery, dining and Petrol/Grab rides (until 30 June) worldwide
Up to 20.88% off on petrol at Esso & Shell
20% cash back with selected merchants soon (rotating)
Retail spend: 0.25% cash back with no cap.

Max. Cash Back:

$100/ month
$25 per category per month.

Min. expenditure:

$888/ month

Sign Up Bonus:

Up to $120 cash rebate welcome gift

Annual Fee:

S$192.6, first year waived

They even have a cash back calculator on their website. The above example shows how much monthly cash back the average Singaporean adult may be able to get.

See: Citi Cash Back Card Reviews

2. OCBC 365 Credit Card

Perks:

6% Cash back on Weekend dining, 3% on Weekday and worldwide dining, 3% on groceries
22% Cash back on petrol, 3% on online shopping and utilities
3% Cash back on recurring telco bills

Max Cash Back:

$80/ month

Min. Expenditure:

$600/ month

Sign Up bonus:

$50-$150 when applied online by 31st July

Annual Fee:

S$192.6, waived for 2 years and subsequently waived for annual spend of only S$10,000

See: OCBC 365 Reviews

3. UOB YOLO Credit Card

Perks:

8% cash rebate on weekend dining entertainment & Grab rides, 3% on weekdays
1-for-1 specials at bars and movie theaters

Max Cash Back:

Up to $180 for existing card members
8% rebate on grab, dining, entertainment.
3% rebate on online shopping and travel
3.33% interest rate with UOB one account

Min spend:

$1,200 first month

Sign Up Bonus:

$20 grab promo when you apply for a supplementary card before 30 June

Annual fee:

$192.6, waived for the 1st year

See: UOB YOLO Review

4. DBS Live Fresh

Perks:

5% Cash back on Visa payWave purchases
5% Cash back on online shopping
0.3% on all other spend

Max Cash back:

$60 ($20 on online spend, $20 on payWave, $20 on other spendings)

Min spend:

$600/month

Sign Up Bonus:

$100 Cash back for new DBS/POSB cardmember
$20 Cash back for existing cardmembers and a chance for a trip to Bali

Annual Fee:

$128, 1 year free waiver

See: DBS Live Fresh Review

5. AMEX True Cash Back

Perks:

3% Cash back for first 6 months with up to $5000 spend

Max. cashback:

$0

Min. spend:

$0

Annual fee:

First year waived, $171.20

See AMEX True Cash Back Card Reviews.

6. HSBC Revolution Credit Card

Perks:

Up to 10% off on travel bookings online 2 miles on online spend (shopping and travel bookings), dining, and entertainment 5x rewards at restaurants and online food orders
5X rewards points on dining, entertainment and online purchases

Min spend:

$0

Sign Up Bonus:

$100 Cash back or American Tourister Caravan Luggage

Annual fee:

$160.5, waived for 2 years, and then waived subsequently for annual spend of S$12,500

See: HSBC Revolution Card Reviews

7. UOB One Card

Perks:

Up to 24% discount on petrol at SPC and Caltex, Flat rate cashback of up to 5% (max S$100/month)
Extra interest income of up to 3.33% on your UOB One Savings account

Max. Cash back: