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The MoneySmart Guide: 4 Best Credit Cards in Singapore for Dining and Online Food Delivery in 2023


Personal finance comparison portal MoneySmart compiles the current top 3 credit cards that unlock the most savings and deals on food expenditure in Singapore.

SINGAPORE, June 9, 2023 /PRNewswire/ — If Singaporeans had a national hobby, it would have to be eating. A foodie paradise, Singapore is chock-full of restaurants, cafes, buffets, coffee shops, and hawker centres to fill our tummies with yummies.

While dining out and dabao-ing have always been popular, ordering food delivery has also become a staple for many Singaporeans ever since COVID-19 struck our shores. Based on the food delivery riders still swarming our roads every day, it looks like online food delivery is here to stay.

Whether dining out or ordering in is preferred, Singapoeans might as well make the most of your daily food expenditure. With the right credit card, you can score cashback, reward points, and even 1-for-1 deals for dining and delivery.

Here are MoneySmart’s top 4 credit card picks for dining and online food delivery in 2023.

OCBC 365 Credit Card

6% cashback on dining including online/food delivery; $800 min. monthly spend.

The OCBC 365 Credit Card gives you 6% cashback on restaurants, cafes, caterers, fast food, and online food delivery (dining). And if you’re cooking at home, the OCBC 365 Credit Card will get you 3% in cashback on groceries. Eligible dining and grocery MCC codes include:

MCC 5812 Restaurants and Eating Places MCC 5814 Fast Food Restaurants MCC 5811 Caterers MCC 5411 Grocery Stores

Unfortunately, there are no clear MCC codes for online food delivery, but OCBC does state that their dining cashback applies to “Online transactions such as food delivery made via the internet and processed by the respective merchants/acquirers as an online transaction type through the Visa/MasterCard Worldwide networks.” Basically, food delivery ordered online using Visa or Mastercard.

To actually receive your cashback, you’ll need to ensure you spend at least $800 in a calendar month. Cashback is capped at $80 per month, which translates to up to $1,333 worth of dining-in and online delivery spend.

If you’ve been toying with the idea of getting Burrple Beyond, this might be your sign to go for it. From now till 31 Dec 2023, there’s also a limited-time Burpple Beyond promotion for the OCBC 365 credit card. Get a 1-year Burpple Beyond Premium membership (worth S$99) if you apply for the card online and make a minimum of 5 qualifying transactions within 30 days of your card approval.

2. Citi Cashback Card

6% cashback with $800 min. monthly spend, but food delivery excluded.

Once one of the most generous cards in town, the Citi Cash Back Card‘s cashback programme has since been “revised” and made more conservative. However, before you slip it into the slot in your wallet reserved for receipts, it’s still a pretty good dining card.

The Citi Cash Back card gives you 6% cashback when you dine at restaurants, cafes and fast food outlets. There are two main catches to note:

Firstly, the minimum spending requirement is $800, which might be hard to hit if you have only one mouth to feed and don’t drive. The total cashback you can earn per month is $80, which covers about $1,000 to $1,333 worth of spending. If you don’t hit this minimum spend, the base cashback rate is only 0.25%.

Secondly, you don’t qualify for this cashback when you pay through food delivery services like Deliveroo and Foodpanda. Eligible merchants include caterers, restaurants and fast food outlets. If you want to be super sure the eatery you’re eyeing is eligible for the cashback, here are the eligible dining merchant category codes (MCC) for you to check:

MCC 5811 Caterers MCC 5812 Eating Places, Restaurants MCC 5814 Fast Food Restaurants

Citi Cash Back cardholders also get exclusive dining vouchers that Citi switches up every year. Here are the Citi Cash Back dining offers for 2023, all valid until 31 Dec 2023:

Elfuego: S$10 off every S$120 spend Yonehachi: S$5 return voucher with any spend Beauty In The Pot: S$10 return voucher with any spend

3. Citi Rewards Card

Best for online food delivery with 10X reward points, with no minimum monthly spend.

If you prefer the online lifestyle, there’s another Citibank credit card that’s better suited for you. The Citi Rewards Card is a generous card for online spend, giving you 10X reward points for online food delivery.

To complete your sedentary couch potato lifestyle, online groceries, online shopping, Grab, and Gojek etc. are all part of the bonus reward points programme.

While there isn’t a minimum spend per month, you can only get up to 10,000 reward points (under the bonus 10X reward points programme) per month.

4. Maybank Horizon Card

3.2 air miles/8X points for every S$1 spend on selected dining merchants; $300 min. spend monthly.

The Maybank Horizon Visa Signature Card is a reward points card that gives you 8X TREATS reward points per $1 for local restaurants expenditure.

You’ll need to spend a minimum of $300 per month, and can only earn up to 30,000 TREATS reward points per month.

What can you do with TREATS points? These reward points can be redeemed to get retail vouchers at selected merchants,TWG Tea sets, fancy Fullerton Hotel cakes, fancy Fullerton Hotel staycations, OSIM massagers, miles, and cinema tickets. Check out the full catalogue of Maybank’s TREATS points rewards.

Unlike the previous dining cards which allow caterers and fast food restaurants, there is only one eligible dining and restaurant MCC merchant code for Maybank Horizon’s bonus dining points programme:

MCC 5812 Participating Dining Merchants

For more credit card picks that unlock the greatest value for dining and food delivery, read more here.  


About MoneySmart Group

MoneySmart Group is one of Southeast Asia’s largest personal finance portals, helping millions of people on their journey to achieve their financial goals.

MoneySmart provides a financial comparison and content platform for consumers to make informed product choices across a range of banking, insurance and investment products. We do the hard work of compiling the information and facts to make it easy for you to compare and choose what’s best for you.

Under our Bubblegum brand, we aim to create desirable insurance products and experiences and to become the winning digital insurance brand of the future.

For more information, please visit www.moneysmart.com.


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