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:
- 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.
- ONLY APPLICABLE FOR NEW-TO-BANK CARD APPLICANTS
- 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
- You qualify if: you have no OCBC credit card right now
- 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.
DCS Ultimate Platinum Card
Earn 2% cashback on almost everything
- You qualify if: you have no UOB credit card right now, AND haven't cancelled any UOB credit card in the last 12 months
- This is a timed flash deal. Only the FIRST person to submit a valid application at 2PM or 10PM SGT wins the top reward. Everyone else who applies gets the standard gift (S$90 Cash via PayNow).
- 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.
You can also check out UOB Preferred Platinum 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.
