Overview:
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:
ENDS 2 AUG 2026 · 22 DAYS LEFT
🎁 Choose 1 Gift
Selection form emailed after application
Dyson Airstrait™ Straightener
Retail S$799
Hair straightener that dries and smooths hair at the same time
25,000 Max Miles by Heymax
Worth S$600+
Earns you miles redeemable for flights, hotels, and perks
Dyson V8 Cyclone Vacuum Cleaner
Worth S$559
Cordless cleaning vacuum with strong suction
Ninja Speedi 10-in-1 Rapid Cooker & Air Fryer - ON401
Total worth S$508
A versatile 10-in-1 cooker and air fryer that helps prepare fast, one-pot meals with ease.
S$400 Cash
Worth S$400
via PayNow
Valid till 2 Aug 2026
Requirements
- You qualify if: you have no HSBC credit card right now, AND haven't cancelled any HSBC credit card in the last 12 months
- Spend min. S$500 by the end of the month after you're approved. Example: approved in May → spend by 30 June.
- During the application, tick the box to receive marketing messages from HSBC. Don't unsubscribe until your gift arrives — if you do, HSBC can cancel the reward.
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Why pick this card
Up to 8% cashback on dining, shopping & fuel.
Currently hold a HSBC credit card issued over 12 months ago? Apply here → HSBC gives eligible existing cardholders S$50 cashback directly. Please complete the Rewards Redemption Form sent to your email so your application is properly recorded.
If you cancelled a HSBC credit card in the past 12 months, you don't qualify for either reward.
ENDS 2 AUG 2026 · 22 DAYS LEFT
Direct (Citi)
S$300 Cash Back
Requirements
- Eligible for new main Citi Cardmembers only (no existing Citi card, no Citi card closed in the past 12 months)
- Spend S$800 in the first 2 months of card approval
Valid till 31 Jul 2026
Via SingSaver
🎁 Choose 1 Gift
Dyson Airstrait™ Straightener
Retail S$799
Hair straightener that dries and smooths hair at the same time
25,000 Max Miles by Heymax
Worth S$600+
Earns you miles redeemable for flights, hotels, and perks
Dyson V8 Cyclone Vacuum Cleaner
Worth S$559
Cordless cleaning vacuum with strong suction
Sony WF-1000XM6 (Earbuds) + S$50 eCapitaVoucher
Worth S$529
Premium true wireless earbuds with advanced noise cancellation and high-quality sound
S$380 Cash via PayNow
No bank details needed
Requirements
- You qualify if: you have no Citibank credit card right now AND haven't cancelled any Citi credit card in the last 12 months
- Spend min. S$500 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Valid till 2 Aug 2026
Why pick this card
8% cashback on petrol & private commute, 6% on dining & groceries (S$800 min spend).
Why pick this card
Up to 8% cashback on 5 chosen categories (from 10 options).
ENDS 2 AUG 2026 · 22 DAYS LEFT
🎁 Choose 1 Gift
Selection form emailed after application
Dyson Airstrait
Retail S$799
An all-in-one hair straightener that dries and straightens hair using powerful airflow with no hot plates.
25,000 MaxMiles by HeyMax
Worth S$600 in travel value
Convert to airline miles or retail vouchers with HeyMax
Dyson V8 Cyclone cordless vacuum
Worth S$559
A lightweight cordless vacuum with powerful suction for everyday whole-home cleaning.
Samsung Galaxy Buds4 Pro + S$180 eCapitaVoucher
Bundle
Worth S$529
Premium wireless earbuds bundled with S$180 in eCapitaVoucher credits for added shopping value.
S$400 Cash via PayNow
No bank details needed
Valid till 2 Aug 2026
Requirements
- You qualify if: you have no OCBC credit card right now, AND haven't cancelled any OCBC credit card in the last 12 months
- Spend min. S$400 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Why pick this card
6% petrol, 5% dining, 3% groceries etc. Stacks with OCBC 360 Account.
Why pick this card
Earn rates on qualifying spend.
ENDS 2 AUG 2026 · 22 DAYS LEFT
Direct (Citi)
40,000 Bonus Citi ThankYou Points
Requirements
- Eligible for new main Citi Cardmembers only (no existing Citi card, no Citi card closed in the past 12 months)
- Spend S$800 in the first 2 months of card approval
Valid till 31 Jul 2026
Via SingSaver
🎁 Choose 1 Gift
Dyson Airstrait™ Straightener
Retail S$799
Hair straightener that dries and smooths hair at the same time
25,000 Max Miles by Heymax
Worth S$600+
Earns you miles redeemable for flights, hotels, and perks
Dyson V8 Cyclone Vacuum Cleaner
Worth S$559
Cordless cleaning vacuum with strong suction
Sony WF-1000XM6 (Earbuds) + S$50 eCapitaVoucher
Worth S$529
Premium true wireless earbuds with advanced noise cancellation and high-quality sound
S$380 Cash via PayNow
No bank details needed
Requirements
- You qualify if: you have no Citibank credit card right now AND haven't cancelled any Citi credit card in the last 12 months
- Spend min. S$500 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Valid till 2 Aug 2026
Why pick this card
4 mpd on any online transaction + offline fashion & department stores. No minimum spend.
ENDS 31 JUL 2026 · 20 DAYS LEFT
🎁 STACKABLE DEAL!
Selection form emailed after application
S$60 Cash
worth S$60
via PayNow
💡 Stackable with Direct Bank Reward: Get S$100 Samsung Voucher when you spend S$1,000 within 30 days of card approval
Valid till 31 Jul 2026
Requirements
- You qualify if: you have no UOB credit card right now, AND haven't cancelled any UOB credit card in the last 12 months
- Spend min. S$500 within the first 30 days from card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Why pick this card
4 mpd on your chosen category. Bonus 2-6 mpd when paired with UOB Lady's Savings Account.
ENDS 31 JUL 2026 · 20 DAYS LEFT
🎁 STACKABLE DEAL!
Selection form emailed after application
S$60 Cash
worth S$60
via PayNow
💡 Stackable with Direct Bank Reward: Get S$100 Samsung Voucher when you spend S$1,000 within 30 days of card approval
Valid till 31 Jul 2026
Requirements
- You qualify if: you have no UOB credit card right now, AND haven't cancelled any UOB credit card in the last 12 months
- Spend min. S$500 within the first 30 days from card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Why pick this card
Up to 3 KrisFlyer miles per S$1 on SIA/Scoot/KrisShop.
You can also check out UOB Preferred Visa as an option which can earn you 4 miles per dollar with S$1,110 cap and no minimum spend.
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.
💳 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.
💡 We believe in always paying our credit card bills on time and in full. It is only by doing that, can we fully maximise our credit card benefits.
