Best credit cards for dining in Singapore (2026)

There is no one best dining card. The right card changes with how much you spend each month and what you spend it on. Here is what that looks like.

Card data last reviewed 15 Jul 2026

How much you spend changes the winner

Each example below shows estimated dining cashback, assuming $300 a month spent on dining.

If you spend $500 a month

Top cards

  • Trust Cashback
    5% gives $15/month
  • Citi Cash Back+
    1.6% gives $5/month
  • Standard Chartered Simply Cash
    1.5% gives $5/month

If you spend $1,500 a month

Top cards

  • Standard Chartered Smart
    10% gives $30/month
  • Maybank Family & Friends
    6% gives $18/month
  • Citi Cashback
    6% gives $18/month

If you spend $3,000 a month

Top cards

  • Trust Cashback
    15% gives $45/month
  • Standard Chartered Smart
    10% gives $30/month
  • Maybank Family & Friends
    8% gives $24/month

Figures are what you would earn each month after minimum-spend rules and unique card benefits. Your total spend decides how much cashback you unlock.

The best-known dining cards only pay their headline cashback rate once your spend is high enough to qualify. Spend less and another card earns you more. Spend a lot and a different card comes out on top. Same dining bill, but the winner shifts as your total spend grows.

Your best card also depends on where you spend

A card that is great for dining can be poor for groceries or petrol. Here is how a few popular cards compare across everyday categories. Notice how the leader changes from one column to the next.

CardDiningGroceriesTransportPetrolOnline
Standard Chartered Smart10%0.5%10%0.5%6%
CIMB Visa Signature0.2%10%0.2%0.2%10%
Citi Cashback6%6%8%8%0.2%
POSB Everyday5%0.3%0.3%0.3%10%
OCBC 3655%3%3%6%0.25%
Maybank Family & Friends6%6%6%6%6%
Lower rateHigher rateBest in column

Cashback rates you earn in each category once you meet the card's monthly minimum. Cashback caps and conditions apply.

Discover the card best suited for your spend

Common questions

What is the best credit card for dining in Singapore?+
There is no single best dining card. The winner depends on how much you spend each month and on which categories. A card that pays 10% on dining at high spend can pay far less if you spend little, and a card that is great for dining may be poor for groceries or petrol.
Why do dining cashback rates change with my spend?+
Many cards only pay their top rate once your total monthly spend crosses a minimum. Below that, they drop to a low base rate. So the same dining bill can earn very different amounts depending on your overall spending.
Should I pick a cashback or a miles card for dining?+
It depends on what you want. Cashback gives you money back that you can use anywhere. Miles suit frequent flyers who redeem for flights. Credit Cat keeps the two separate and never converts miles into dollars, so you compare like with like.

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