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Dining Out in Singapore
Singaporeans love to eat. Eating is an unofficial national hobbyand contributes to a large part of monthly expenses for most Singaporeans. With that in mind, banks have tied up with many restaurants to offer discounts for dining during this festive period. In addition to the specific discounts, there are also credit cards that offer benefits such as cash rebates or cashback for dining anywhere. These cash rebates or cashback can be pretty substantial even though they are usually subjected to various minimum requirements. Let us examine and compare the various cashback credit cards for dining in the table below.
Credit Cards Cashback or Cash Rebate with
Dining Promotions Comparison Table
| Credit Card Issuer and Type of Card | Minimum Requirements / Conditions | Rate for Cash Rebate |
|
Minimum spend of $600 in a month |
Earn up to 15% rebates for online food delivery |
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|
Minimum spend of $800 in a month |
Earn 10% cashback on dining locally and overseas |
|
|
Minimum spend of $800 in a month |
Earn 10% rebates on wine and dine expenses |
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|
Minimum spend of $800 or $500 in a month |
Earn 8% or 5% cash rebate for dining |
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|
Minimum spend of $888 in a month |
Earn 8% cashback on dining |
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Minimum spend of $600 in a month |
Earn 8% cash rebate on weekend dining & entertainment |
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|
Minimum spend of $1,000 in a month |
Earn 6% cashback on all spend |
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Minimum spend of $800 in a month |
Earn 6% cashback for dining locally and overseas |
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|
Minimum monthly spend of $600 in a month |
Earn 5% cash rebate on dining |
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Minimum spend of $600 in a month |
Earn 5% cash rebate on dining |
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Minimum monthly spend of $600 in a month |
Earn 5% cashback on selected contactless and mobile payments |
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Minimum monthly spend of $600 for all 3 months in a quarter |
Earn 5% cash rebate on dining |
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|
Minimum monthly spend of $2000 for all 3 months in a quarter |
Earn 5% cash rebates on all transactions |
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|
Min. deposit of $100k / $50k in StanChart Unlimited$aver Account for 5% /3% cashback |
Earn 5% / 3% cashback on any purchase else earn 1.5% cashback on any purchase if not linked to StanChart Unlimited$aver Account |
|
|
Maximum spend of $5,000 for first 3 months |
Earn 4.5% cashback on all spend, 1.6% cashback after first 3 months. |
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HSBC Advance customers / Non-HSBC Advance customers with minimum monthly spend of $2,000 |
Earn 3.5% / 2.5% cashback for all spend |
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Minimum spend of $300 / $1,000 in a month for all 3 months in a quarter |
Earn 3.33% cash rebate on all spend |
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|
Minimum spend of $500 a month for all 3 months in a quarter. Cashback only applicable on spending in excess of $500 each month |
Earn up to 2% / 5% / 8% cashback for 1st / 2nd / 3rd month in a quarter on all spend in excess of $500 for each month. Highest effective cashback rate is 3.2% |
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|
Minimum spend of $1,000 in a month |
Earn 3% cashback on all spend |
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Minimum spend of $3,000 in a month |
Earn 3% cash rebate on all spend |
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Minimum spend of $500 in a month |
Earn 3% rebates on PayPass and online spend |
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Maximum spend of $5,000 for first 6 months |
Earn 3% cashback on any purchase, 1.5% cashback after first 6 months. Earn additional 1% cashback for overseas spend |
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Minimum spend of $400 |
Earn 3% SMART$ rebates on selected contactless payments |
Best Cashback or Cash Rebate Credit Cards
with Dining Promotions
The Maybank Family & Friends Card offers an attractive 8% cashback for dining everyday. It is the ideal credit card for dining as it offers the flexibility to spend on both weekends or weekdays and offer cashback even for restaurants in Malaysia. There is no cashback cap for dining unlike other credit cards on the list but a reasonable high cashback cap of $80 across all spending. The same card also offers 8% cashback for petrol and groceries in Singapore and Malaysia. The 8% cashback on recurring telco and contactless bus and train spendings will also come in handy towards meeting the minimum spend of $800 to attain the cash rebate. The best thing about this card is even if you fail to meet the minimum $800 spend to attain the 8% cashback, you can still get 5% cashback with a minimum monthly spend of $500.
Comparatively, the OCBC 365 Credit Card which was the previous go to card for dining offers a lower 6% cash rebate for everyday dining. The same card offers higher potential savings of 24% on petrol but a much lower 3% cashback on recurring telco bills and groceries.
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