Dining

Best credit cards for dining in Singapore (2026)

Restaurants, cafés and date nights — minus the fast-food fine print.

HSBC Revolution card art
HSBCNo annual fee, ever
Top pick

HSBC Revolution

4 mpd whether you tap or order online, no annual fee ever, no minimum spend. The easiest dining pick for most beginners — just mind the fast-food exclusion.

4mpd

on online and contactless spend in bonus categories

Capped at S$1,000/calendar month
Dining, shopping, travel booked direct, and transport. Permanent from April 2026.

Watch out for

  • The bonus is category-based — groceries and supermarkets are NOT on the list.
  • Fast food is excluded — and that catches some cafés and Grab food charges, not just McDonald's.
  • Chip-and-PIN or swipe payments earn no bonus — pay contactless or online.

Also consider

Good picks when the top card doesn't fit how you spend.

Also consider
UOB Lady's Card card art

UOB Lady's Card

Pick Dining as your bonus category and every restaurant meal earns 4 mpd — tap, chip or online. Open to everyone despite the name.

4mpd

on one category you choose — dining, groceries, travel, transport, fashion…

Capped at S$1,000/calendar monthOnly your chosen category
Switch your category quarterly in the UOB app. No minimum spend.

Watch out for

  • The 4 mpd applies to ONE chosen category only — set it in the UOB app, switchable quarterly.
Also consider
UOB Preferred Visa card art

UOB Preferred Visa

If your phone is already how you pay, every dining tap earns 4 mpd — no category guessing needed.

4mpd

on mobile contactless — tap your phone or watch

Capped at S$600/calendar monthPhone/watch tap only
Includes SimplyGo — your MRT and bus rides earn miles too.

Watch out for

  • Physical card taps don't earn the bonus — it has to be your phone or watch.
  • UNI$ accrue per S$5 block — transactions under S$5 earn nothing at all.

Frequently asked questions

Do hawker stalls earn miles?

Only if they take cards — pay contactless with your phone where you can. Cash-only stalls earn nothing, obviously.

Does food delivery count as dining?

No — GrabFood and foodpanda are online spend, so use your online card (Citi Rewards or DBS Woman's World) instead of your dining card.

Why didn't my fast food earn bonus miles?

HSBC Revolution excludes the fast-food merchant category (MCC 5814) — and that catches some cafés and Grab food charges too, not just McDonald's.

Related guides

Best miles cards for contactless spendTap your phone, earn 4 mpd. The easiest miles you'll ever make.See our pick →Best miles cards for online shoppingWhere most of your spend already happens — and where 4 mpd is easiest to earn.See our pick →Best miles cards for groceriesSupermarkets are quietly excluded from most bonuses. Here's the workaround.See our pick →

Last updated 4 July 2026. Earn rates and caps change — confirm details on the bank's site before applying. Spot an outdated rate?