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 |
8% cashback (till 31st Dec 2024); 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 | |
6% cashback | S$800 per month | S$80 combined cashback cap across all categories per month | |
10% cashback | S$800 per month | S$25 per category per month | |
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 |
5% cashback | S$800/S$1,600 per month | S$80 or S$160 cashback based on spending tier per month | |
2% cashback | None | capped at S$200 cashback per month |
Miles Cards | Earn Rate | Minimum Spend | Spending Cap |
4 miles per dollar | No min spend | S$1,000 per month | |
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 |
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.
HSBC Live+ Sign Up Promo:
- Receive Dyson Micro 1.5kg Vacuum (worth S$599) or Apple Watch SE (GEN 2) GPS 44mm (worth S$389) or Apple Bundle: Apple Airpods 4 w/ ANC + AirTag 4 Pack (total worth S$398) or Flujo SmarTrax Standing Desk (worth S$739) or S$199 Cash via PayNow when you spend S$500 by end of the following calendar month from the card account opening date + provide marketing consent
- Valid until 01 December 2024
- 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:
Option 1: Bank Promotion
Receive S$300 cash back Welcome Offer when you spend S$800 in the first 2 months upon card approval
- Valid til 25 February 2025
- Read Terms and Conditions here
Option 2: SingSaver
- Receive a Dyson Supersonic (worth S$649) or Dyson Micro 1.5kg Vacuum (worth S$599) or Apple iPad 10th Gen 10.9 wi 64GB (worth S$499) or Apple Airpods Pro Gen 2 + Magsafe Charger (worth S$408) or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
- Valid until 01 December 2024
- Promotion is valid for new to bank credit card holders
- 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 Rewards Sign Up Promotion:
Option 1: Bank Promotion
Receive 40,000 bonus Points Welcome Offer when you spend S$800 in the first 2 months of account opening.
- Valid til 28 Febrary 2025
- Read Terms and Conditions here
Option 2: SingSaver
- Receive a Dyson Supersonic (worth S$649) or Dyson Micro 1.5kg Vacuum (worth S$599) or Apple iPad 10th Gen 10.9 wi 64GB (worth S$499) or Apple Airpods Pro Gen 2 + Magsafe Charger (worth S$408) or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
- Valid until 01 December 2024
- Promotion is valid for new to bank credit card holders
- Read Terms and Conditions here
- Must fulfill spending requirement to receive gift confirmation
- Remember to check for SingSaver email and complete the registration to secure your reward!
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.
