Best Cashback Credit Cards for Dining in Singapore 2026

Best dining cashback credit cards in Singapore: the short answer

For most diners, the HSBC Live+ Card is the best dining cashback card in Singapore today. It pays 5% on dining with a S$250 quarterly cashback cap and a S$600 monthly minimum spend (for 3 consecutive months in the quarter).

If your monthly bill is closer to S$800 or more, the Citi Cash Back Card pulls ahead with 6% on dining. And if you want no annual fee, the Trust Cashback Card pays up to 15% on a chosen category (pick Dining), capped at S$250 per quarter, but the 15% rate requires S$2,000 monthly spend across three consecutive months (1% baseline otherwise).

The trap most guides skip is the merchant code split. Restaurants code as MCC 5812. Fast food chains like McDonald's, KFC and Burger King code as MCC 5814. A handful of dining cards reward only 5812, which means zero bonus when you pay at a fast food counter. The card picks below all reward both codes unless flagged otherwise.

Bank promotion terms (cashback rates, caps, minimum spend) change frequently. Always confirm with the issuing bank’s official page before applying. Restaurant pricing and validity dates are accurate at the time of writing but subject to change — verify with the venue before booking.

The MCC 5812 vs 5814 trap (read this before you swipe)

Banks group restaurants into different merchant category codes (MCCs). MCC 5812 is Eating Places and Restaurants. MCC 5814 is Fast Food. Some dining cards reward 5812 only, others reward both. Get this wrong and you earn the base 0.25% cashback instead of 5% or 6%.

The biggest gotcha is the HSBC Revolution Card. Its dining bonus excludes MCC 5814 entirely, so McDonald's, KFC, Burger King, Subway and even some cafes like Cafe Nesuto and Baker & Cook earn nothing extra. The card markets itself as a dining card but the small print only covers sit-down restaurants.

Cashback cards that reward both 5812 and 5814:

• HSBC Live+: 5% on both, capped at S$250 per quarter (S$600 monthly min spend).
• Citi Cash Back: 6% on both, capped at S$80 per category per statement month.
• OCBC 365: 5% baseline on both, with weekday and weekend uplifts on selected lists.
• Maybank Family & Friends: up to 8% on both if Dining is selected as a category.
• POSB Everyday: 5% on both, capped at S$400 per month.

If you eat fast food often, see our chain-specific guides for the best stacks at each:

• KFC: HSBC Live+ for 5% plus the in-app coupon code (full breakdown in our KFC promo guide).
• Burger King: Standard Chartered Smart Card cashback works at all locations (full breakdown in our Burger King coupons guide).
• McDonald's: McDelivery app deals plus a cashback card on the bill (full breakdown in our McDonald's tips guide).

Best cashback credit cards for dining in Singapore 2026

1. HSBC Live+ Card: 5% with the most generous cap

HSBC Live+ pays 5% cashback on dining, groceries and online food delivery, capped at S$250 per calendar quarter. The minimum spend is S$600 per month for 3 consecutive months within the quarter. Verify the current quarterly cap on the HSBC Singapore site before applying — the cap has been adjusted multiple times since 2024.

Annual fee S$192.60 (waived first year). Income S$30,000. Best for: households who eat out 2 to 3 times a week and want one no-fuss cashback card.

2. Citi Cash Back Card: 6% if you spend S$800/month

Citi Cash Back wins on rate at 6% on dining, with a S$80 combined cap across all retail bonus categories per statement month, dropping to S$25 if you spend below S$800. If you reliably spend above S$800 per month across categories (dining, groceries, petrol), this is the highest pure-cashback rate in market.

Annual fee S$196.20 (waived first year). Income S$30,000. Best for: dual-income households with predictable monthly spend across multiple categories.

3. OCBC 365 Card: 5% with weekend uplift

OCBC 365 pays 5% on local dining (with weekday and weekend uplifts on OCBC's category lists), 3% on online food delivery, capped at S$80 per category per month with a S$800/month minimum. The workhorse cashback card for OCBC customers.

Annual fee S$196.20 (waived first year). Income S$30,000. Best for: existing OCBC customers who want to consolidate dining and grocery spend on one card.

4. Maybank Family & Friends Card: up to 8% dining

Maybank Family & Friends pays 8% cashback on Dining (and 4 other selectable categories) when you spend at least S$800 per month. Cap is S$25 per category per month (equivalent to S$312.50 of dining spend per category, per month). You must pre-select Dining as one of your bonus categories at application.

Annual fee S$120 (3-year waiver). Income S$30,000. Best for: families with high concentrated dining spend who can hit the S$1,200 minimum.

5. Trust Cashback Card: 15% on selected Dining category (requires S$2,000/month spend for 3 months), no annual fee

Trust Cashback lets you pick one preferred category (Dining is on the list) and pays up to 15% cashback, capped at S$250 per quarter. To unlock the 15% tier, you must spend at least S$2,000 in 3 consecutive months (or S$6,000 in a quarter). No annual fee and fully digital application via the Trust app. The baseline rate is 1% with category boosts above that.

No annual fee. Income S$18,000. Best for: students and households who can hit the S$2,000/month threshold to unlock the 15% bonus category rate.

6. POSB Everyday Card: 5% dining for DBS/POSB customers

POSB Everyday pays 5% cashback on dining, capped at S$400 per calendar month with a S$800 monthly minimum. It is the most straightforward dining cashback option in the DBS/POSB lineup. Annual fee S$192.60 (waived first year). Income S$30,000.

Best dining cashback card by bank

If you already bank with one of the major issuers and want a dining card without opening a new banking relationship, here is the best cashback dining card from each.

Best DBS or POSB card for dining

POSB Everyday Card: 5% on dining, S$400/month cap, S$800 monthly minimum. The simplest no-frills dining cashback card in the DBS/POSB lineup.

Best UOB card for dining

UOB has no headline cashback dining card that beats HSBC Live+ or Citi Cash Back. UOB One Card pays up to 15% on selected merchants but its dining list is limited; check the current UOB One merchant list before relying on it.

Best HSBC card for dining

HSBC Live+: 5% on dining, S$250 quarterly cap, S$600 monthly min spend. The strongest cashback card on this list overall.

Best Citibank card for dining

Citi Cash Back: 6% on dining if you can hit the S$800 monthly minimum. Highest cashback rate per dollar across all banks.

Best OCBC card for dining

OCBC 365: 5% baseline with weekend uplift, S$800 monthly minimum, S$80 per category per month cap. The workhorse for OCBC customers.

Best Maybank card for dining

Maybank Family & Friends: up to 8% on Dining if you can hit S$800/month and pre-select the category. Highest single-category cashback rate among banks with full branch networks.

Best Trust Bank card for dining

Trust Cashback Card: 15% on selected Dining category, S$250 quarterly cap, requires S$2,000/month spend across 3 consecutive months for the 15% rate (1% otherwise), no annual fee.

Best Standard Chartered card for dining

Standard Chartered Smart Card: 6% cashback on selected dining merchants (including Burger King), S$60/month cap, no minimum spend.

How to stack a dining card with deals (worked example)

Real savings come from stacking 3 layers: a deal (1-for-1, % off, member rebate), a card (cashback) and a wallet uplift (Kris+ for SIA miles, HeyMax for vouchers, or Atome for BNPL).

Worked example: dinner for 2 at Imperial Treasure (S$120 bill)

Layer 1 (deal): use Chope Dollars or a DBS Indulge 1-for-1 main course offer. A 1-for-1 main saves S$30. Bill drops to S$90.

Layer 2 (card): pay with HSBC Live+ for 5% cashback. You earn S$4.50 cashback. Net cost S$85.50.

Layer 3 (wallet): if Imperial Treasure is a Kris+ merchant, scan first to earn an extra 6 KrisFlyer miles per dollar (S$90 × 6 = 540 KrisPay miles, worth ~S$5.40). Total effective discount: 33% off the original bill.

The same logic applies at any restaurant: always check Chope, Eatigo or Atome first, swipe the right card for the merchant code, then layer on a wallet app. For a deeper stack on home delivery, see our food delivery card guide.

What about miles cards for dining?

Miles cards for dining are a moving target. Bonus caps, MCC inclusion lists and conversion rates change every few quarters, which makes any specific recommendation here outdated within a season. Cashback rules change far less often, which is why this guide focuses on cashback.

If you actively chase miles for premium-cabin redemptions, the two most reliable sources for current dining miles strategy are The MileLion's annual Credit Card Strategy and Suitesmile's Best Credit Cards For Dining round-up. Both update their picks as bank T&Cs shift.

The general shape of the miles play has been stable for years: pair a UOB Preferred Platinum Visa (mobile contactless) with an HSBC Revolution (dining MCC 5812) to cover most restaurant spend at 4 mpd, with the actual monthly caps and MCC eligibility worth a re-check before you commit.

2026 cashback card changes you should know about

Cashback dining cards have been more stable than miles cards, but a few changes are worth noting if you have not reviewed your wallet recently.

• Citi Cash Back: cashback cap is S$80 combined across all retail bonus categories per statement month, dropping to S$25 if total spend falls below S$800. Hit the S$800 minimum or the card stops being competitive.
• OCBC 365: weekend dining uplift now applies only to a defined list of merchants, not all 5812. Check OCBC's category list before relying on the higher rate.
• Maybank Family & Friends: 8% tier requires S$800 monthly minimum with Dining pre-selected as a bonus category. Cap is S$25 per category per month.
• Trust Cashback: the 15% rate on a selected category requires S$2,000/month in 3 consecutive months (or S$6,000 in a quarter). Baseline is 1% with category boosts. Cap S$250 per quarter. Read the current promo terms before applying.

Related dining guides on DiveDeals

These guides apply the same card-stacking framework to specific cuisines and delivery platforms:

• Best credit cards for food delivery in Singapore covers MCC 5814 stacking for Foodpanda and GrabFood.
• Best 1-for-1 hotpot deals in Singapore for Haidilao, Suki-Ya, GoroGoro and dine-in card stacks.
• Best 1-for-1 dim sum deals in Singapore for weekend brunch and yum cha sessions.
• Best 1-for-1 buffet promotions in Singapore for the most updated card-clustered buffet round-up.
• Best credit card promotion sign-ups in Singapore if you want to chase the welcome bonus on any of the cards above.

Sources and verification (8 May 2026)

All card facts above were verified against MoneySmart's dining credit card hub, SingSaver's 2026 dining round-up (March 2026), Suitesmile's Best Credit Cards For Dining (April 2026), Sethisfy's Updated Best Cashback and Miles Cards For Dining (April 2026) and the issuing banks' official terms and conditions. Cashback rates, caps and minimum spend rules can change. Always read the bank's current T&Cs before applying.

Frequently asked questions

Which credit card has the highest dining cashback in Singapore?

Trust Cashback Card pays up to 15% on a chosen category (pick Dining), capped at S$250 per quarter, but requires S$2,000/month minimum spend to unlock. For higher absolute caps with lower minimums, Citi Cash Back at 6% (S$80 combined cap) and HSBC Live+ at 5% (S$250 quarterly cap, S$600/month min) are the next best.

What is the best DBS or POSB card for dining?

POSB Everyday Card at 5% cashback on dining (S$400/month cap, S$800 monthly minimum). For pure restaurant cashback the DBS lineup does not beat HSBC Live+ or Citi Cash Back, so consider those instead unless you have a strong reason to stay within DBS.

Why does HSBC Revolution not work at McDonald's?

McDonald's, KFC and Burger King code as MCC 5814 (Fast Food). HSBC Revolution explicitly excludes MCC 5814 from its dining bonus. Use HSBC Live+, Citi Cash Back, OCBC 365 or POSB Everyday at fast food chains instead.

Can I stack 1-for-1 buffet promotions with a cashback card?

Yes. The 1-for-1 deal is settled at the till, and you still pay the discounted amount with your card, which earns the full cashback on the post-discount bill. See our buffet guide for current 1-for-1 offers by card.

Is there a dining cashback card with no minimum spend?

Standard Chartered Smart Card has no minimum spend with 6% cashback on selected dining merchants (S$60/month cap). Trust Cashback has no annual fee but the 15% bonus rate requires S$2,000/month spend — only the 1% baseline applies if you spend less.

Should I get a cashback or a miles card for dining?

Cashback for almost everyone. Cashback rules change less often, the value is realised every month on your statement, and there are no orphan-points or conversion-fee headaches. Miles cards make sense only if you regularly fly Singapore Airlines or Star Alliance and value 1 mile at more than 1.5 cents.

Bottom line

For 2026, the best dining cashback card depends on your monthly spend. HSBC Live+ for the highest cap (5%, S$5K per quarter, low S$600 minimum), Citi Cash Back for the highest rate (6%, needs S$800 minimum), and Trust Cashback for the easiest no-AF entry point (up to 15% on Dining).

Always check the merchant category code before you swipe, especially at fast food chains where the MCC 5814 trap quietly downgrades your earn rate. The best card is the one you actually have on you when the bill arrives.

Want the full credit card picture?

Dining is one slice of credit card spend. If you want the full picture (cashback vs miles vs no-fee, by spend tier and persona), see the Best Credit Cards Singapore complete decision guide. It compares the same cards across every category and explains where MariBank fits as a wedge pick.

• Best Brunch in Singapore — which CC to use for hotel brunch and cafe dining
• Best Set Lunch Deals in Singapore — CC stacking guide for weekday set lunch