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 19 NOV 2026 · 4 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
Dyson Clean+Wash Hygiene hard floor cleaner
Worth S$729
vacuums, washes and removes wet and dry messes in one go
Insta360 X4 Air Standard Bundle
Worth S$489
lightweight 360° action camera that captures immersive 8K video and stunning photos
28,000 Max Miles by Heymax
Worth S$504
Earns you miles redeemable for flights, hotels, and perks · at HeyMax's published FlyAnywhere rate of 1.8 cents per mile
S$500 Cash
Worth S$500
via PayNow
Valid till 19 Nov 2026
Requirements (tap to expand)
- You qualify if: you have no HSBC credit card right now, AND haven't cancelled any HSBC credit card in the last 12 months
- Activate your card and spend min. S$500 in qualifying posted retail purchases by the end of the calendar month after your card account is opened.
- 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 after applying for the card to claim your gift, or you'll lose it.
- Apply through SingSaver as the main cardholder. Use the same name, mobile number and email address in your SingSaver and HSBC applications.
- Qualifying spend excludes foreign exchange and quasi-cash transactions; payments to financial institutions, brokerages and money-transfer services (including CardUp and iPayMy); prepaid card, voucher and e-wallet top-ups or credit purchases; AXS and ATM transactions; instalment amounts and certain instalment-plan purchases; balance transfers, cash advances, bank fees and charges; and unposted, cancelled, disputed or refunded transactions. See the linked terms for the full exclusions.
- Keep your card account in good standing until the reward is awarded. HSBC may forfeit or recover the reward if the card is closed or suspended before fulfilment, or if you cancel it within 12 months of account opening.
- You can receive only one gift across eligible HSBC cards in this promotion. This promotion cannot be combined with other offers unless the terms expressly allow 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 with an eligible spend of S$500. 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 31 MAR 2027 · 136 DAYS LEFT
Direct (Citi)
S$300 Cash Back
Requirements (tap to expand)
- 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 Mar 2027
Via SingSaver
Choose 1 Gift
Dyson Airstrait™ Straightener
Retail S$799
Dyson V8 Cyclone cordless vacuum
Worth S$559
25,000 Max Miles by HeyMax
Worth S$450
at HeyMax's published FlyAnywhere rate of 1.8 cents per mile
Beats 360 Over-Ear Headphones
Worth S$429
S$400 Cash via PayNow
Requirements (tap to expand)
- 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 30 Nov 2026
Why pick this card
8% cashback on petrol & private commute, 6% on dining & groceries (S$800 min spend).
Exclusive Sign-up Gift
Only applicable for new-to-bank card applicants
Samsonite RESTACKD Spinner 68/25 EXP + 2 packing cubes
Worth S$520
Lightweight (3.3kg), expandable, matte scratch-resistant
Requirements (tap to expand)
- Apply for a new Maybank Credit Card (not applicable for Maybank XL cards)
- Charge min. S$1,300 within the first 2 months of card approval
- Fill the Google Form after signing up
- Alternative: apply for CreditAble + a Maybank Credit Card, then charge min. S$1,200 within 2 months
Why pick this card
Up to 8% cashback on 5 chosen categories (from 10 options).
ENDS 30 NOV 2026 · 15 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.
Dyson V8 Cyclone cordless vacuum
Worth S$559
A lightweight cordless vacuum with powerful suction for everyday whole-home cleaning.
25,000 MaxMiles by HeyMax
Worth S$450 in travel value
Convert to airline miles or retail vouchers with HeyMax
S$420 Shopee Voucher
Worth S$420
extra savings on your next Shopee purchase
S$300 Cash via PayNow + S$100 Grab Voucher Bundle
Worth S$400
No bank details needed
Valid till 30 Nov 2026
Requirements (tap to expand)
- 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% cashback on eligible dining, groceries, land transport and petrol with at least S$800 qualifying spend per calendar month; S$160 monthly cashback cap across the bonus categories. Stacks with OCBC 360 Account.
ENDS 31 MAR 2027 · 136 DAYS LEFT
Direct (Citi)
40,000 Bonus Citi ThankYou Points
Requirements (tap to expand)
- 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 Mar 2027
Via SingSaver
Choose 1 Gift
Dyson Airstrait™ Straightener
Retail S$799
Dyson V8 Cyclone cordless vacuum
Worth S$559
25,000 Max Miles by HeyMax
Worth S$450
at HeyMax's published FlyAnywhere rate of 1.8 cents per mile
Beats 360 Over-Ear Headphones
Worth S$429
S$400 Cash via PayNow
Requirements (tap to expand)
- Open to Singapore residents.
- Apply through SingSaver as the main cardholder.
- New Citi main cardholders only: no existing Citi credit card, no Citi main card closed in the 12 months before the new account opens, and no pending Citi main card application. Holding a Citi Clear card, or having closed one in the past 12 months, does not disqualify you under this promotion.
- Have your application approved by the approval deadline stated in the campaign terms. Activate the card via the Citi Mobile App and spend S$500 in qualifying retail transactions within 30 days, including the account approval date.
- Complete the SingSaver Rewards Redemption Form within 14 days of applying. Select one gift; your selection cannot be changed after submission.
- Qualifying spend exclusions include instalment purchases and loans, refunded or disputed purchases, cash advances, quasi-cash transactions, balance transfers, fees, bill payments and Citi PayAll transactions without a service fee. Read the linked terms for the full exclusions.
- Keep the card valid and in good standing until gift fulfilment and retain it for 12 months from approval; otherwise the reward may be recovered.
- One reward per eligible new customer across eligible Citi cards, subject to availability. Paid gift upgrades are optional and replace the standard gift; see the terms for fees and conditions.
- For a PayNow cash reward, use the correct PayNow-linked mobile number in the redemption form. For Max Miles, create and maintain a HeyMax account and follow its redemption email.
Valid till 30 Nov 2026
Why pick this card
4 mpd on any online transaction + offline fashion & department stores. No minimum spend.
ENDS 30 NOV 2026 · 15 DAYS LEFT
Choose 1 Gift
Selection form emailed after application
S$80 Cash
worth S$80
via PayNow
The first 3 eligible applicants at 2 PM daily can get S$400 Cash via PayNow
Valid till 30 Nov 2026
Requirements (tap to expand)
- 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 30 NOV 2026 · 15 DAYS LEFT
Choose 1 Gift
Selection form emailed after application
S$80 Cash
worth S$80
via PayNow
The first 3 eligible applicants at 2 PM daily can get S$400 Cash via PayNow
Valid till 30 Nov 2026
Requirements (tap to expand)
- 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.
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