Dining out is a win-win. Skip the cooking and cleaning, save time, and enjoy great food. Restaurants are also perfect for socializing and trying new cuisines. Let’s explore how to make the most of eating out without breaking the bank. Here’s the best cards for restaurants:

Cashback Cards	Earn Rate	Minimum Spend	Cashback Cap
Apply Now: HSBC Live+ Read my Review here	8% cashback (till 31st Mar 2025); thereafter 5% cashback	S$600 per month; need to fulfill min. spend for 3 months per quarter	S$250 combined cashback cap across all categories per quarter
Apply Now: Citi Cashback Card Read my Review here	6% cashback	S$800 per month	S$80 combined cashback cap across all categories per month
Apply Now: BOC Family Card Read my Review here	10% cashback	S$800 per month	S$25 per category per month
Apply Now: Maybank Family & Friends Card (Local) Apply Now: Maybank Family & Friends Card (Foreigner) Read my Review here	8% cashback	S$800 per month	S$25 per category per month
OCBC Frank Card	8% cashback	S$800 per month	S$25 per category per month
Apply Now: OCBC 365 Card Read my Review here	5% cashback	S$800/S$1,600 per month	S$80 or S$160 cashback based on spending tier per month
Apply Now: DCS Ultimate Platinum Card Read my Review here	2% cashback	None	capped at S$200 cashback per month

Miles Cards	Earn Rate	Minimum Spend	Spending Cap
Apply Now: Citi Rewards Card Read my Review here	4 miles per dollar	No min spend	S$1,000 per month
Apply Now: UOB Lady Card Read my Review here	4 miles per dollar	No min spend	S$1,000/S$2,000 per month
UOB Preferred Platinum Visa Card	4 miles per dollar	No min spend; must use mobile contactless payment	S$1,100 per month
Apply Now: UOB Krisflyer Card Read my Review here	3 miles per dollar	min. S$800 annual spend on Singapore Airlines, Scoot and KrisShop	None

Conclusion:

From now until 31st Dec 2024, I would choose HSBC Live+ for a sweet 8% cashback with a lower minimum spend required of S$600. You can spend up to S$3,125 in a quarter to earn a maximum cashback of S$250 on that one category alone. It does not place a cashback cap on the category. After 31st Dec 2024, my vote goes to Citi Cashback Card because of its 6% cashback rate and a non restrictive list of where you can dine! If you opt for a pretty straightforward credit card for dining, and wanted to earn miles, Citi Rewards + Amaze could be a great option as it offers a decent earn rate of 4 miles per dollar in all online spend. UOB Lady’s card may be a hit or miss if the restaurant’s MCC does not fall within their specific MCCs.

• Get Sony Vlog Camera ZV-1F (worth S$769) or Dyson Supersonic (Worth S$659) or Apple iPad 9th 10.2″ WiFi 64GB (worth S$479) or Apple Watch SE (GEN 2) GPS 40mm + Stryv – Pro Styler Bundle (worth S$518) or S$199 + S$200 Shopee Voucher when you spend S$800 by the end of the following calendar month + provide marketing consent
  • Get bonus S$100 Cash via PayNow on top of the physical gifts only (from 07 March – 13 March 2025 only)
• Valid from From 03 March, 5PM – 31 March 2025
• Available for New HSBC Cardholders
• Read Terms and Conditions here
• Must fulfill spending requirement to receive gift confirmation
• Remember to check for SingSaver email to secure your rewards after you have applied!

Citi Cashback Sign Up Promotion:

• Receive S$300 cash back Welcome Offer when you spend S$800 in the first 2 months upon card approval
• Valid til 31 July 2025
• Read Terms and Conditions here

Citi Rewards Sign Up Promotion:

Credit cards change their T&Cs every so often and it is difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates to get the most out of your spending.