Best credit card for dining in Singapore (Oct 2026)
Restaurants, cafés, hawker stalls and bars. Many miles cards pay 4 miles per dollar here, but only if you pay the right way.
Quick answer. For miles with no minimum spend: UOB Lady's Card at 4 mpd. For cashback with no minimum spend: Trust Freedom · Stockback at 3%.
Checked against each bank's own terms, 8 October 2026. Rates assume you're paying by tapping your phone (Apple Pay or Google Pay). Cards that need a minimum spend are only ranked first when they earn more than 10% more than an easy card, and cards with many hurdles are listed separately. The label on each card shows how much work its bonus takes.
Best miles cards for dining
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4 mpdUOB Lady's CardEasyYour chosen bonus categoryMin spend: noneCap: S$1,000 a monthFee S$196.20
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4 mpdUOB Lady's SolitaireEasyYour chosen bonus categoriesMin spend: noneCap: S$1,500 a monthFee S$414.20
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4 mpdUOB Preferred VisaEasyIn-store with Apple Pay / Google Pay / Samsung PayMin spend: noneCap: S$600 per bucket, a monthFee S$196.20, 1st yr free
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4 mpdHSBC RevolutionEasyOnline or contactless: dining, travel, shopping, taxisMin spend: noneCap: S$1,000 a monthFee waived
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4 mpdMaybank XL RewardsSome effortDine, Shop, Travel and Play categoriesMin spend: S$500 a monthCap: S$1,000 a monthFee S$87.20, 2 yrs free
Higher headline rates, with many hurdles (2)
These pay more on paper but need a minimum spend plus other conditions, such as a number of transactions, spend every month of the quarter or a small cap. Worth it only if you'll meet them every month.
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4 mpdUOB Visa SignatureMany hurdlesContactlessMin spend: S$1,000 per bucket, a statementCap: S$1,200 per bucket, a statementFee S$218, 1st yr free
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1.4 mpdStandard Chartered Visa InfiniteMany hurdlesLocal spend when you meet the S$2,000 minimumMin spend: S$2,000 a statementCap: No capFee S$550, not waivable
Best cashback cards for dining
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6%Maybank Family & Friends CardSome effortYour chosen categories (6%, with S$800 spend in the month)Min spend: S$800 a monthCap: No capFee S$196.20, 3 yrs free
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3%Trust Freedom · StockbackEasyStockback on local spend (3% promo until 31 Dec 2026)Min spend: noneCap: S$500 cashback a quarterNo annual fee
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1.7%UOB Absolute Cashback CardEasyBase rate (no bonus here)Min spend: noneCap: No capFee S$196.20, 1st yr free
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1.6%Citi Cash Back+EasyBase rate (no bonus here)Min spend: noneCap: No capFee S$196.20
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1.5%Standard Chartered Simply CashEasyBase rate (no bonus here)Min spend: noneCap: No capFee S$218, 1st yr free
No minimum spend
If you don't want to chase a monthly minimum:
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3%Trust Freedom · StockbackEasyStockback on local spend (3% promo until 31 Dec 2026)Min spend: noneCap: S$500 cashback a quarterNo annual fee
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1.7%UOB Absolute Cashback CardEasyBase rate (no bonus here)Min spend: noneCap: No capFee S$196.20, 1st yr free
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1.6%Citi Cash Back+EasyBase rate (no bonus here)Min spend: noneCap: No capFee S$196.20
Higher headline rates, with many hurdles (3)
These pay more on paper but need a minimum spend plus other conditions, such as a number of transactions, spend every month of the quarter or a small cap. Worth it only if you'll meet them every month.
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16%Trust Freedom · Bonus CashbackMany hurdlesPreferred category: 15% bonus (S$2,000 eligible spend every month of the quarter)Min spend: from S$500 a monthCap: S$1,666.67 per bucket, a quarterNo annual fee
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10%UOB EVOLMany hurdlesLocal online and mobile contactlessMin spend: S$800 a statementCap: S$80 cashback a statementFee waived
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6%Citi Cash BackMany hurdlesDining and groceries (supermarkets)Min spend: S$800 a statementCap: S$80 cashback a statementFee S$196.20
What the labels mean
Easy no minimum spend or extra conditions. Some effort a minimum spend to reach. Many hurdles a minimum plus other conditions, like a number of transactions or small caps, so the headline rate is harder to get.
Which of your cards should you use?
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