Ranking for S$400 of dining a month
Cash back a month on S$400 of dining, with S$1,000 in total going on the card (so minimum-spend conditions up to that amount are met). Your own numbers go in the calculator above.
| # | Card | Rate | Cash back a month | Conditions |
|---|---|---|---|---|
| 1 | Citi Cash Back Card | 6% | S$24 | Dining, worldwide |
| 2 | DBS Chromo Card | 5% | S$20 | Dining; only if it's one of your two biggest categories that month |
| 3 | HSBC Live+ Credit Card | 5% | S$20 | Dining (restaurants, cafés, bakeries, fast food; not hotel dining) |
| 4 | OCBC 365 Credit Card | 5% | S$20 | Dining (restaurants, bars, food delivery apps); hotel dining and wedding banquets earn 0.25% |
| 5 | POSB Everyday Card | 5% | S$20 | Dining (restaurants and bars); one S$20 cap a month shared with food delivery; fast food earns the bonus only through delivery apps |
| 6 | UOB One Card | fixed tier | S$13.45 | includes S$13.33 share of the fixed tier cashback |
| 7 | CIMB World Mastercard | 2% | S$8 | Wine and dine, online food delivery; not hotel restaurants or banquets |
| 8 | UOB Absolute Cashback Card | 1.7% (base) | S$6.80 | — |
| 9 | Citi Cash Back+ Card | 1.6% (base) | S$6.40 | — |
| 10 | OCBC INFINITY Cashback Card | 1.6% (base) | S$6.40 | — |
| 11 | Trust Freedom credit card (formerly Trust Cashback Card) | 1.5% (base) | S$6 | — |
| 12 | American Express True Cashback Card | 1.5% (base) | S$6 | — |
| 13 | HSBC Advance Credit Card | 1.5% (base) | S$6 | more from S$2,000 a month |
| 14 | Standard Chartered Simply Cash Credit Card | 1.5% (base) | S$6 | — |
| 15 | CIMB Visa Infinite | 1% (base) | S$4 | — |
| 16 | Standard Chartered Smart Credit Card | 0.5% (base) | S$2 | more from S$1,500 a month |
| 17 | UOB EVOL Card | 0.3% (base) | S$1.20 | — |
| 18 | Citi M1 Card | 0.3% (base) | S$1.20 | — |
| 19 | Citi SMRT Card | 0.3% (base) | S$1.20 | — |
| 20 | DBS yuu Card | 0.25% (base) | S$1 | — |
| 21 | CIMB Visa Signature | 0.2% (base) | S$0.80 | — |
If you mostly use one chain
These rates apply only at the merchants named, or need a condition the calculator can't check, so they aren't in the ranking. If most of your dining goes to one of them, they can beat every card above.
- 18% — foodpanda, pandamart, CHAGEE app, with the DBS yuu Card; needs S$800 a month and purchases at 4 participating merchants.
- 10% — foodpanda, GrabFood, with the POSB Everyday Card; needs S$800 a month on the card; capped at S$20 a month; shares the S$20 dining cap.
- 8% — McDonald's, KFC, Burger King, Subway, Starbucks, Coffee Bean, Pizza Hut, Domino's, Toast Box, Ya Kun, with the Standard Chartered Smart Credit Card; needs S$800 a month on the card; 10% from S$1,500 a month.
- 5% — foodpanda, pandamart, CHAGEE app, with the DBS yuu Card; no minimum spend.
- 5% — McDonald's, with the UOB One Card; needs S$600 a month on the card; 6.67% from S$2,000 a month.
What counts as dining
Banks don't look at what you ate: they look at the merchant category code (MCC) the shop's card terminal reports. Restaurants usually come through as 5812 and fast-food outlets as 5814; food delivery apps and food-court stalls paid through a payment aggregator may report something else and fall outside the dining category. Hotel restaurants billed on the room are hotel spend. If a regular spot matters to you, check which category it lands in on your first statement.
The dining cards side by side
| Card | Rate here | Min spend | Cap | Annual fee |
|---|---|---|---|---|
| Citi Cash Back Card | 6% (Dining, worldwide) | S$800 a month | S$80 a month | S$196.20 |
| DBS Chromo Card | 5% (Dining) | S$500 a month | S$150 a month | S$196.20 |
| HSBC Live+ Credit Card | 5% (Dining (restaurants, cafés, bakeries, fast food; not hotel dining)) | S$600 a month | S$250 a quarter | S$196.20 |
| OCBC 365 Credit Card | 5% (Dining (restaurants, bars, food delivery apps)) | S$800 a month | S$80 a month (S$160 from S$1,600 of spend) | S$196.20 |
| POSB Everyday Card | 5% (Dining (restaurants and bars)) | S$800 a month | no overall cap | S$196.20 |
| CIMB World Mastercard | 2% (Wine and dine, online food delivery) | S$500 a month | no overall cap | none |
Questions and answers
Does food delivery count as dining?
It depends on the card's terms and on how the delivery app bills you. Some cards list food delivery inside their dining category, others count it as online spend, and some exclude it. The category label on each card's page here is the bank's own wording.
Do hawker centres earn dining cash back?
Only if the stall takes your card directly and its terminal is coded as a restaurant or fast-food merchant. Payments by PayNow QR or through some aggregators are not card spend at that merchant and usually don't earn the dining rate.
What happens to dining spend above the cap?
Once a card's dining cap is reached, extra dining spend earns nothing more on most cards — that's why the calculator shows the cash back flattening out. Paying the rest with a second card is usually worth it.
Other categories
- Best cashback credit cards for groceries in Singapore
- Best cashback credit cards for online shopping in Singapore
- Best cashback credit cards for transport in Singapore
- Best cashback credit cards for petrol in Singapore
- All cashback cards in Singapore
Checked against the banks' own pages and terms on 13 October 2026. Banks change rates, caps and exclusions at short notice — the card's terms on the bank's site are what counts. Tratobor takes no money from banks and has no referral links; this is reference information, not financial advice.