[{"data":1,"prerenderedAt":3060},["ShallowReactive",2],{"blogCategoryResult_cashback":3,"homepageContent":1403,"blogFeaturedPosts":1418},[4,45],[5,773],{"id":6,"uid":7,"url":8,"type":9,"href":10,"tags":11,"first_publication_date":15,"last_publication_date":16,"slugs":17,"linked_documents":19,"lang":20,"alternate_languages":21,"data":22},"af28zhAAABH-aJ2L","best-dining-credit-card-singapore",null,"post","https://dive.cdn.prismic.io/api/v2/documents/search?ref=af3Q9BAAACIAaMNh&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22af28zhAAABH-aJ2L%22%29+%5D%5D",[12,13,14],"cashback","credit cards","dining","2026-05-08T11:35:23+0000","2026-05-08T12:03:00+0000",[18],"best-cashback-credit-cards-for-dining-in-singapore-2026",[],"en-us",[],{"title":23,"seo_title":28,"seo_meta_description":31,"featured":35,"expired":35,"noindex":35,"cover_image":36,"date":47,"author_link":48,"body":71},[24],{"type":25,"text":26,"spans":27},"heading1","Best Cashback Credit Cards for Dining in Singapore 2026",[],[29],{"type":25,"text":26,"spans":30},[],[32],{"type":25,"text":33,"spans":34},"Compare the best cashback credit cards for dining in Singapore 2026: HSBC Live+ (5%), Citi Cash Back (6%), Trust Cashback (up to 15%), OCBC 365, Maybank F&F and POSB Everyday. Includes the MCC 5812 vs 5814 trap, by-bank picks and worked stacking examples.",[],false,{"dimensions":37,"alt":40,"copyright":8,"url":41,"id":42,"edit":43},{"width":38,"height":39},1920,1280,"cashback credit card for dining","https://images.prismic.io/dive/af3Q06YofJOwG_Gk_jay-wennington-N_Y88TWmGwA-unsplash.jpg?auto=format,compress","af3Q06YofJOwG_Gk",{"x":44,"y":44,"zoom":45,"background":46},0,1,"transparent","2026-05-08",{"id":49,"type":50,"tags":51,"lang":20,"slug":52,"first_publication_date":53,"last_publication_date":54,"data":55,"link_type":69,"key":70,"isBroken":35},"ZpkBAhAAAFyEjH2H","author",[],"elyssa-low","2024-07-19T08:22:20+0000","2024-07-19T08:33:32+0000",{"name":56,"picture":62},[57],{"type":58,"text":59,"spans":60,"direction":61},"paragraph","Elyssa Low",[],"ltr",{"dimensions":63,"alt":8,"copyright":8,"url":65,"id":66,"edit":67},{"width":64,"height":64},100,"https://images.prismic.io/dive/Zpoe6B5LeNNTxS9T_30FD7DFC-F778-4EE7-B2B7-4CDD61FBBC89.JPEG?auto=format%2Ccompress&rect=0%2C378%2C2268%2C2268&w=100&h=100","Zpoe6B5LeNNTxS9T",{"x":44,"y":68,"zoom":45,"background":46},378,"Document","de90a252-8744-43f3-9f0c-18824c922218",[72,95,100,233,237,294,298,364,368,437,441,558,562,588,592,609,613,640,644,692,696,707,711,755,759],{"primary":73,"items":92,"id":93,"slice_type":94,"slice_label":8},{"text":74},[75,79,86,89],{"type":76,"text":77,"spans":78},"heading2","Best dining cashback credit cards in Singapore: the short answer",[],{"type":58,"text":80,"spans":81},"For most diners, the HSBC Live+ Card is the best dining cashback card in Singapore today. It pays 5% on dining with a generous S$5,000 quarterly cap and a low S$600 monthly minimum spend.",[82],{"start":83,"end":84,"type":85},13,30,"strong",{"type":58,"text":87,"spans":88},"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 zero minimum spend with no annual fee, the Trust Cashback Card pays up to 15% on a chosen category (pick Dining), capped at S$250 per quarter.",[],{"type":58,"text":90,"spans":91},"The trap most guides skip is the merchant code split. Restaurants code as MCC 5812. Fast food chains like McDonald's, KFC and Burger King code as MCC 5814. A handful of dining cards reward only 5812, which means zero bonus when you pay at a fast food counter. The card picks below all reward both codes unless flagged otherwise.",[],[],"text$a9872250-54f1-4c22-be25-0e51e02cc347","text",{"primary":96,"items":97,"id":98,"slice_type":99,"slice_label":8},{},[],"divider$2ef007c7-1c11-4933-9ce9-b54a596ec527","divider",{"primary":101,"items":107,"id":231,"slice_type":232,"slice_label":8},{"table_title":102},[103],{"type":104,"text":105,"spans":106},"heading3","Pick your dining cashback card in 30 seconds",[],[108,127,140,153,166,179,192,205,218],{"col1":109,"col2":115,"col3":121},[110],{"type":58,"text":111,"spans":112},"Your situation",[113],{"start":44,"end":114,"type":85},14,[116],{"type":58,"text":117,"spans":118},"Best card",[119],{"start":44,"end":120,"type":85},9,[122],{"type":58,"text":123,"spans":124},"Why",[125],{"start":44,"end":126,"type":85},3,{"col1":128,"col2":132,"col3":136},[129],{"type":58,"text":130,"spans":131},"Highest cashback at restaurants",[],[133],{"type":58,"text":134,"spans":135},"HSBC Live+ (5%)",[],[137],{"type":58,"text":138,"spans":139},"S$5K quarterly cap, low S$600 monthly minimum",[],{"col1":141,"col2":145,"col3":149},[142],{"type":58,"text":143,"spans":144},"Spend more than S$800/month",[],[146],{"type":58,"text":147,"spans":148},"Citi Cash Back (6%)",[],[150],{"type":58,"text":151,"spans":152},"Best per-dollar return when minimum is hit",[],{"col1":154,"col2":158,"col3":162},[155],{"type":58,"text":156,"spans":157},"No minimum spend, no fuss",[],[159],{"type":58,"text":160,"spans":161},"Trust Cashback (15% on Dining)",[],[163],{"type":58,"text":164,"spans":165},"No min spend, no annual fee, instant approval",[],{"col1":167,"col2":171,"col3":175},[168],{"type":58,"text":169,"spans":170},"Already an OCBC customer",[],[172],{"type":58,"text":173,"spans":174},"OCBC 365 (5%)",[],[176],{"type":58,"text":177,"spans":178},"Strongest workhorse card if you already bank with OCBC",[],{"col1":180,"col2":184,"col3":188},[181],{"type":58,"text":182,"spans":183},"Already a Maybank customer",[],[185],{"type":58,"text":186,"spans":187},"Maybank Family & Friends (8%)",[],[189],{"type":58,"text":190,"spans":191},"Highest cashback rate if you can hit S$1,200/month",[],{"col1":193,"col2":197,"col3":201},[194],{"type":58,"text":195,"spans":196},"Already a DBS customer",[],[198],{"type":58,"text":199,"spans":200},"POSB Everyday (5%)",[],[202],{"type":58,"text":203,"spans":204},"Simplest DBS option for sit-down dining",[],{"col1":206,"col2":210,"col3":214},[207],{"type":58,"text":208,"spans":209},"Fast food regular",[],[211],{"type":58,"text":212,"spans":213},"HSBC Live+ or Citi Cash Back",[],[215],{"type":58,"text":216,"spans":217},"Both cover MCC 5814; HSBC Revolution does not",[],{"col1":219,"col2":223,"col3":227},[220],{"type":58,"text":221,"spans":222},"Foodpanda or GrabFood orders",[],[224],{"type":58,"text":225,"spans":226},"See our food delivery guide",[],[228],{"type":58,"text":229,"spans":230},"Different MCC mix; DBS yuu wins for delivery",[],"table3$f4328a0d-85ba-4168-8aa3-94e670725891","table3",{"primary":234,"items":235,"id":236,"slice_type":99,"slice_label":8},{},[],"divider$b8920d93-35ef-4edc-87d0-1351ae7c36c2",{"primary":238,"items":292,"id":293,"slice_type":94,"slice_label":8},{"text":239},[240,243,246,249,252,258,262,267,272,276,279,283,288],{"type":76,"text":241,"spans":242},"The MCC 5812 vs 5814 trap (read this before you swipe)",[],{"type":58,"text":244,"spans":245},"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%.",[],{"type":58,"text":247,"spans":248},"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.",[],{"type":58,"text":250,"spans":251},"Cashback cards that reward both 5812 and 5814:",[],{"type":253,"text":254,"spans":255},"list-item","HSBC Live+: 5% on both, capped at S$5,000 per quarter.",[256],{"start":44,"end":257,"type":85},10,{"type":253,"text":259,"spans":260},"Citi Cash Back: 6% on both, capped at S$80 per category per statement month.",[261],{"start":44,"end":114,"type":85},{"type":253,"text":263,"spans":264},"OCBC 365: 5% baseline on both, with weekday and weekend uplifts on selected lists.",[265],{"start":44,"end":266,"type":85},8,{"type":253,"text":268,"spans":269},"Maybank Family & Friends: up to 8% on both if Dining is selected as a category.",[270],{"start":44,"end":271,"type":85},24,{"type":253,"text":273,"spans":274},"POSB Everyday: 5% on both, capped at S$400 per month.",[275],{"start":44,"end":83,"type":85},{"type":58,"text":277,"spans":278},"If you eat fast food often, see our chain-specific guides for the best stacks at each:",[],{"type":253,"text":280,"spans":281},"KFC: HSBC Live+ for 5% plus the in-app coupon code (full breakdown in our KFC promo guide).",[282],{"start":44,"end":126,"type":85},{"type":253,"text":284,"spans":285},"Burger King: Standard Chartered Smart Card cashback works at all locations (full breakdown in our Burger King coupons guide).",[286],{"start":44,"end":287,"type":85},11,{"type":253,"text":289,"spans":290},"McDonald's: McDelivery app deals plus a cashback card on the bill (full breakdown in our McDonald's tips guide).",[291],{"start":44,"end":257,"type":85},[],"text$ce4c36da-3e95-4281-b0b3-6bbb0073b7a5",{"primary":295,"items":296,"id":297,"slice_type":99,"slice_label":8},{},[],"divider$bc588376-9c9c-41b4-8b07-c064c42db660",{"primary":299,"items":362,"id":363,"slice_type":94,"slice_label":8},{"text":300},[301,304,307,311,314,317,321,324,327,331,334,337,342,345,348,352,355,358],{"type":76,"text":302,"spans":303},"Best cashback credit cards for dining in Singapore 2026",[],{"type":104,"text":305,"spans":306},"1. HSBC Live+ Card: 5% with the most generous cap",[],{"type":58,"text":308,"spans":309},"HSBC Live+ pays 5% cashback on dining, groceries and online food delivery, capped at S$5,000 per calendar quarter. The minimum spend is S$600 per month for 3 consecutive months in a quarter, easy to clear if you use the card for groceries too.",[310],{"start":44,"end":287,"type":85},{"type":58,"text":312,"spans":313},"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.",[],{"type":104,"text":315,"spans":316},"2. Citi Cash Back Card: 6% if you spend S$800/month",[],{"type":58,"text":318,"spans":319},"Citi Cash Back wins on rate at 6% on dining, but the cap is tighter at S$80 per category per statement month and 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.",[320],{"start":44,"end":114,"type":85},{"type":58,"text":322,"spans":323},"Annual fee S$196.20 (waived first year). Income S$30,000. Best for: dual-income households with predictable monthly spend across multiple categories.",[],{"type":104,"text":325,"spans":326},"3. OCBC 365 Card: 5% with weekend uplift",[],{"type":58,"text":328,"spans":329},"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.",[330],{"start":44,"end":266,"type":85},{"type":58,"text":332,"spans":333},"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.",[],{"type":104,"text":335,"spans":336},"4. Maybank Family & Friends Card: up to 8% dining",[],{"type":58,"text":338,"spans":339},"Maybank Family & Friends pays 8% cashback on Dining (and 4 other selectable categories) when you spend above S$1,200 per month, and 5% above S$800. Cap is S$80 per category per month. You must pre-select Dining as one of your bonus categories at application.",[340],{"start":44,"end":341,"type":85},25,{"type":58,"text":343,"spans":344},"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.",[],{"type":104,"text":346,"spans":347},"5. Trust Cashback Card: 15% on Dining, no minimum, no annual fee",[],{"type":58,"text":349,"spans":350},"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. There is no minimum spend, no annual fee, and the application is fully digital via the Trust app. The cap is small but the rate is the highest in market.",[351],{"start":44,"end":114,"type":85},{"type":58,"text":353,"spans":354},"No annual fee. Income S$18,000. Best for: students, NSFs and anyone who wants the highest no-strings cashback rate without juggling minimum spend.",[],{"type":104,"text":356,"spans":357},"6. POSB Everyday Card: 5% dining for DBS/POSB customers",[],{"type":58,"text":359,"spans":360},"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$30,000.",[361],{"start":44,"end":114,"type":85},[],"text$df389b84-319b-46cf-91d5-4218f4b77301",{"primary":365,"items":366,"id":367,"slice_type":99,"slice_label":8},{},[],"divider$fc5ae439-a741-4958-b605-09bf83ff0b54",{"primary":369,"items":435,"id":436,"slice_type":94,"slice_label":8},{"text":370},[371,374,377,380,385,388,391,394,398,401,405,408,412,415,419,422,427,430],{"type":76,"text":372,"spans":373},"Best dining cashback card by bank",[],{"type":58,"text":375,"spans":376},"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.",[],{"type":104,"text":378,"spans":379},"Best DBS or POSB card for dining",[],{"type":58,"text":381,"spans":382},"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.",[383],{"start":44,"end":384,"type":85},18,{"type":104,"text":386,"spans":387},"Best UOB card for dining",[],{"type":58,"text":389,"spans":390},"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.",[],{"type":104,"text":392,"spans":393},"Best HSBC card for dining",[],{"type":58,"text":395,"spans":396},"HSBC Live+: 5% on dining, S$5,000 quarterly cap, low S$600 monthly minimum. The strongest cashback card on this list overall.",[397],{"start":44,"end":257,"type":85},{"type":104,"text":399,"spans":400},"Best Citibank card for dining",[],{"type":58,"text":402,"spans":403},"Citi Cash Back: 6% on dining if you can hit the S$800 monthly minimum. Highest cashback rate per dollar across all banks.",[404],{"start":44,"end":114,"type":85},{"type":104,"text":406,"spans":407},"Best OCBC card for dining",[],{"type":58,"text":409,"spans":410},"OCBC 365: 5% baseline with weekend uplift, S$800 monthly minimum, S$80 per category per month cap. The workhorse for OCBC customers.",[411],{"start":44,"end":266,"type":85},{"type":104,"text":413,"spans":414},"Best Maybank card for dining",[],{"type":58,"text":416,"spans":417},"Maybank Family & Friends: up to 8% on Dining if you can hit S$1,200/month and pre-select the category. Highest single-category cashback rate among banks with full branch networks.",[418],{"start":44,"end":341,"type":85},{"type":104,"text":420,"spans":421},"Best Trust Bank card for dining",[],{"type":58,"text":423,"spans":424},"Trust Cashback Card: 15% on selected Dining category, S$250 per quarter cap, no minimum spend, no annual fee.",[425],{"start":44,"end":426,"type":85},19,{"type":104,"text":428,"spans":429},"Best Standard Chartered card for dining",[],{"type":58,"text":431,"spans":432},"Standard Chartered Smart Card: 6% cashback on selected dining merchants (including Burger King), S$60/month cap, no minimum spend.",[433],{"start":44,"end":434,"type":85},28,[],"text$678270a4-c63a-4e5b-b2ea-b3cdb8188849",{"primary":438,"items":439,"id":440,"slice_type":99,"slice_label":8},{},[],"divider$0f7ffea9-6e0e-48b7-92ff-215494f8a517",{"primary":442,"items":447,"id":557,"slice_type":232,"slice_label":8},{"table_title":443},[444],{"type":104,"text":445,"spans":446},"At-a-glance: dining cashback cards 2026",[],[448,466,479,492,505,518,531,544],{"col1":449,"col2":455,"col3":460},[450],{"type":58,"text":451,"spans":452},"Card",[453],{"start":44,"end":454,"type":85},4,[456],{"type":58,"text":457,"spans":458},"Cashback rate & cap",[459],{"start":44,"end":426,"type":85},[461],{"type":58,"text":462,"spans":463},"Min spend / notes",[464],{"start":44,"end":465,"type":85},17,{"col1":467,"col2":471,"col3":475},[468],{"type":58,"text":469,"spans":470},"HSBC Live+",[],[472],{"type":58,"text":473,"spans":474},"5% / S$5K per quarter",[],[476],{"type":58,"text":477,"spans":478},"S$600/mo for 3 mths. Best overall",[],{"col1":480,"col2":484,"col3":488},[481],{"type":58,"text":482,"spans":483},"Citi Cash Back",[],[485],{"type":58,"text":486,"spans":487},"6% / S$80 per cat per s.month",[],[489],{"type":58,"text":490,"spans":491},"S$800/s.month. Highest rate",[],{"col1":493,"col2":497,"col3":501},[494],{"type":58,"text":495,"spans":496},"OCBC 365",[],[498],{"type":58,"text":499,"spans":500},"5% baseline / S$80 per cat per c.month",[],[502],{"type":58,"text":503,"spans":504},"S$800/c.month. Weekend uplift",[],{"col1":506,"col2":510,"col3":514},[507],{"type":58,"text":508,"spans":509},"Maybank Family & Friends",[],[511],{"type":58,"text":512,"spans":513},"8% if cat selected / S$80 per cat",[],[515],{"type":58,"text":516,"spans":517},"S$1,200/mo for 8%, S$800 for 5%",[],{"col1":519,"col2":523,"col3":527},[520],{"type":58,"text":521,"spans":522},"POSB Everyday",[],[524],{"type":58,"text":525,"spans":526},"5% / S$400 per c.month",[],[528],{"type":58,"text":529,"spans":530},"S$800/c.month. DBS users",[],{"col1":532,"col2":536,"col3":540},[533],{"type":58,"text":534,"spans":535},"Trust Cashback",[],[537],{"type":58,"text":538,"spans":539},"15% on Dining / S$250 per quarter",[],[541],{"type":58,"text":542,"spans":543},"No min spend, no AF",[],{"col1":545,"col2":549,"col3":553},[546],{"type":58,"text":547,"spans":548},"SC Smart",[],[550],{"type":58,"text":551,"spans":552},"6% selected merchants / S$60 per c.month",[],[554],{"type":58,"text":555,"spans":556},"No min spend. Burger King",[],"table3$fcda990e-7ddd-4f33-96a4-917fd6d8cd65",{"primary":559,"items":560,"id":561,"slice_type":99,"slice_label":8},{},[],"divider$103b7dae-cb8a-4985-8415-0f41498eb7ad",{"primary":563,"items":586,"id":587,"slice_type":94,"slice_label":8},{"text":564},[565,568,571,574,577,580,583],{"type":76,"text":566,"spans":567},"How to stack a dining card with deals (worked example)",[],{"type":58,"text":569,"spans":570},"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).",[],{"type":104,"text":572,"spans":573},"Worked example: dinner for 2 at Imperial Treasure (S$120 bill)",[],{"type":58,"text":575,"spans":576},"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.",[],{"type":58,"text":578,"spans":579},"Layer 2 (card): pay with HSBC Live+ for 5% cashback. You earn S$4.50 cashback. Net cost S$85.50.",[],{"type":58,"text":581,"spans":582},"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$5.40). Total effective discount: 33% off the original bill.",[],{"type":58,"text":584,"spans":585},"The same logic applies at any restaurant: always check Chope, Eatigo or Atome first, swipe the right card for the merchant code, then layer on a wallet app. For a deeper stack on home delivery, see our food delivery card guide.",[],[],"text$feb23fdf-5103-4ed3-b1f9-58c1fb513415",{"primary":589,"items":590,"id":591,"slice_type":99,"slice_label":8},{},[],"divider$e8e118d1-53ce-44ca-a75b-62a14eec5d35",{"primary":593,"items":607,"id":608,"slice_type":94,"slice_label":8},{"text":594},[595,598,601,604],{"type":76,"text":596,"spans":597},"What about miles cards for dining?",[],{"type":58,"text":599,"spans":600},"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.",[],{"type":58,"text":602,"spans":603},"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.",[],{"type":58,"text":605,"spans":606},"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.",[],[],"text$12dd5986-e9f8-439f-b481-d78f2485e71a",{"primary":610,"items":611,"id":612,"slice_type":99,"slice_label":8},{},[],"divider$146fe394-6de5-44fb-868a-c49228a51c3a",{"primary":614,"items":638,"id":639,"slice_type":94,"slice_label":8},{"text":615},[616,619,622,626,630,634],{"type":76,"text":617,"spans":618},"2026 cashback card changes you should know about",[],{"type":58,"text":620,"spans":621},"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.",[],{"type":253,"text":623,"spans":624},"Citi Cash Back: bonus cap structure tightened to S$25 cashback if monthly spend falls below S$800 (was previously S$50). Hit the S$800 minimum or the card stops being competitive.",[625],{"start":44,"end":114,"type":85},{"type":253,"text":627,"spans":628},"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.",[629],{"start":44,"end":266,"type":85},{"type":253,"text":631,"spans":632},"Maybank Family & Friends: the 8% tier now requires S$1,200 monthly spend (was S$1,000 in earlier years). The 5% tier still kicks in at S$800.",[633],{"start":44,"end":271,"type":85},{"type":253,"text":635,"spans":636},"Trust Cashback: the 15% rate on a selected category is the current promotional headline rate; the long-standing baseline is 1% with category boosts. Read the current promo terms before applying.",[637],{"start":44,"end":114,"type":85},[],"text$2ecb8861-5f08-47dc-bd8b-2b3ac899a568",{"primary":641,"items":642,"id":643,"slice_type":99,"slice_label":8},{},[],"divider$2242b190-e256-49bb-910d-cf33db49cdad",{"primary":645,"items":690,"id":691,"slice_type":94,"slice_label":8},{"text":646},[647,650,653,663,670,677,684],{"type":104,"text":648,"spans":649},"Related dining guides on DiveDeals",[],{"type":58,"text":651,"spans":652},"These guides apply the same card-stacking framework to specific cuisines and delivery platforms:",[],{"type":253,"text":654,"spans":655},"Best credit cards for food delivery in Singapore covers MCC 5814 stacking for Foodpanda, GrabFood and Deliveroo.",[656],{"start":44,"end":657,"type":658,"data":659},48,"hyperlink",{"link_type":660,"url":661,"target":662},"Web","https://divedeals.sg/blog/best-credit-cards-for-food-delivery-singapore","_blank",{"type":253,"text":664,"spans":665},"Best 1-for-1 hotpot deals in Singapore for Haidilao, Suki-Ya, GoroGoro and dine-in card stacks.",[666],{"start":44,"end":667,"type":658,"data":668},38,{"link_type":660,"url":669,"target":662},"https://divedeals.sg/blog/best-1-for-1-hotpot-singapore",{"type":253,"text":671,"spans":672},"Best 1-for-1 dim sum deals in Singapore for weekend brunch and yum cha sessions.",[673],{"start":44,"end":674,"type":658,"data":675},39,{"link_type":660,"url":676,"target":662},"https://divedeals.sg/blog/best-1-for-1-dim-sum-deals-in-singapore",{"type":253,"text":678,"spans":679},"Best 1-for-1 buffet promotions in Singapore for the most updated card-clustered buffet round-up.",[680],{"start":44,"end":681,"type":658,"data":682},43,{"link_type":660,"url":683,"target":662},"https://divedeals.sg/blog/best-1-for-1-buffet-promotion-in-singapore",{"type":253,"text":685,"spans":686},"Best credit card promotion sign-ups in Singapore if you want to chase the welcome bonus on any of the cards above.",[687],{"start":44,"end":657,"type":658,"data":688},{"link_type":660,"url":689,"target":662},"https://divedeals.sg/blog/best-credit-card-promotion-sign-up-in-singapore",[],"text$2bbe1ba2-7fde-4bfd-a80d-0b06240292d0",{"primary":693,"items":694,"id":695,"slice_type":99,"slice_label":8},{},[],"divider$112a2745-dfc2-4318-87ff-5215cabab9cf",{"primary":697,"items":705,"id":706,"slice_type":94,"slice_label":8},{"text":698},[699,702],{"type":76,"text":700,"spans":701},"Sources and verification (8 May 2026)",[],{"type":58,"text":703,"spans":704},"All card facts above were verified against MoneySmart's dining credit card hub, SingSaver's 2026 dining round-up (March 2026), Suitesmile's Best Credit Cards For Dining (April 2026), Sethisfy's Updated Best Cashback and Miles Cards For Dining (April 2026) and the issuing banks' official terms and conditions. Cashback rates, caps and minimum spend rules can change. Always read the bank's current T&Cs before applying.",[],[],"text$c4034464-3d53-4850-9a6e-32652cd00000",{"primary":708,"items":709,"id":710,"slice_type":99,"slice_label":8},{},[],"divider$6a4fa92d-3310-4874-832e-385c258451c0",{"primary":712,"items":753,"id":754,"slice_type":94,"slice_label":8},{"text":713},[714,717,720,723,726,729,732,735,738,741,744,747,750],{"type":76,"text":715,"spans":716},"Frequently asked questions",[],{"type":104,"text":718,"spans":719},"Which credit card has the highest dining cashback in Singapore?",[],{"type":58,"text":721,"spans":722},"Trust Cashback Card pays up to 15% on a chosen category (pick Dining), capped at S$250 per quarter. For higher absolute caps, Citi Cash Back at 6% (S$80/category cap) and HSBC Live+ at 5% (S$5,000 quarterly cap) are the next best.",[],{"type":104,"text":724,"spans":725},"What is the best DBS or POSB card for dining?",[],{"type":58,"text":727,"spans":728},"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.",[],{"type":104,"text":730,"spans":731},"Why does HSBC Revolution not work at McDonald's?",[],{"type":58,"text":733,"spans":734},"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.",[],{"type":104,"text":736,"spans":737},"Can I stack 1-for-1 buffet promotions with a cashback card?",[],{"type":58,"text":739,"spans":740},"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.",[],{"type":104,"text":742,"spans":743},"Is there a dining cashback card with no minimum spend?",[],{"type":58,"text":745,"spans":746},"Yes. Trust Cashback Card has no minimum spend and no annual fee, with up to 15% cashback on a chosen Dining category capped at S$250 per quarter. Standard Chartered Smart Card also has no minimum spend with 6% cashback on selected dining merchants.",[],{"type":104,"text":748,"spans":749},"Should I get a cashback or a miles card for dining?",[],{"type":58,"text":751,"spans":752},"Cashback for almost everyone. Cashback rules change less often, the value is realised every month on your statement, and there are no orphan-points or conversion-fee headaches. Miles cards make sense only if you regularly fly Singapore Airlines or Star Alliance and value 1 mile at more than 1.5 cents.",[],[],"text$c7422462-ae15-4c5a-849b-09048b69a93b",{"primary":756,"items":757,"id":758,"slice_type":99,"slice_label":8},{},[],"divider$09dfbcf0-a03f-47dd-ad0c-d5a02adef309",{"primary":760,"items":771,"id":772,"slice_type":94,"slice_label":8},{"text":761},[762,765,768],{"type":76,"text":763,"spans":764},"Bottom line",[],{"type":58,"text":766,"spans":767},"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).",[],{"type":58,"text":769,"spans":770},"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.",[],[],"text$0ba39776-9c96-421d-a8cd-f5c53cdb03e9",{"id":774,"uid":775,"url":8,"type":9,"href":776,"tags":777,"first_publication_date":779,"last_publication_date":780,"slugs":781,"linked_documents":783,"lang":20,"alternate_languages":784,"data":785},"af2tmBAAABvvaH9N","best-credit-cards-for-food-delivery-singapore","https://dive.cdn.prismic.io/api/v2/documents/search?ref=af3Q9BAAACIAaMNh&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22af2tmBAAABvvaH9N%22%29+%5D%5D",[12,13,778],"food delivery","2026-05-08T09:52:30+0000","2026-05-08T11:57:47+0000",[782],"best-credit-cards-for-food-delivery-in-singapore-2026",[],[],{"title":786,"seo_title":790,"seo_meta_description":794,"featured":35,"expired":35,"noindex":35,"cover_image":798,"date":47,"author_link":805,"body":815},[787],{"type":25,"text":788,"spans":789},"Best Credit Cards for Food Delivery in Singapore 2026",[],[791],{"type":25,"text":792,"spans":793},"Best Credit Cards for Food Delivery Singapore 2026 (Cashback + Miles)",[],[795],{"type":25,"text":796,"spans":797,"direction":61},"The highest cashback (DBS yuu 18%, POSB Everyday 10%) and miles (Citi Rewards, DBS Woman's World 4 mpd) cards for foodpanda and GrabFood in Singapore. With the HSBC Revolution MCC 5814 trap explained.",[],{"dimensions":799,"alt":801,"copyright":8,"url":802,"id":803,"edit":804},{"width":38,"height":800},1337,"food delivery which credit card to use","https://images.prismic.io/dive/af2yRKYofJOwG-kR_grab-W_UiSLqthaU-unsplash.jpg?auto=format,compress","af2yRKYofJOwG-kR",{"x":44,"y":44,"zoom":45,"background":46},{"id":49,"type":50,"tags":806,"lang":20,"slug":52,"first_publication_date":53,"last_publication_date":54,"data":807,"link_type":69,"key":814,"isBroken":35},[],{"name":808,"picture":811},[809],{"type":58,"text":59,"spans":810,"direction":61},[],{"dimensions":812,"alt":8,"copyright":8,"url":65,"id":66,"edit":813},{"width":64,"height":64},{"x":44,"y":68,"zoom":45,"background":46},"5d683adb-a517-4572-9e68-b4004069d511",[816,855,859,888,892,993,997,1071,1075,1152,1156,1190,1194,1237,1241,1282,1286,1294,1298,1387,1391],{"primary":817,"items":853,"id":854,"slice_type":94,"slice_label":8},{"text":818},[819,822,834,843],{"type":76,"text":820,"spans":821},"Best credit cards for food delivery in Singapore: the short answer",[],{"type":58,"text":823,"spans":824},"If you order foodpanda often, the DBS yuu Card is the highest-earning option in Singapore right now: 18% cashback or 10 miles per dollar, capped at S$800 per month.",[825,828,831],{"start":826,"end":827,"type":85},34,46,{"start":829,"end":830,"type":85},101,136,{"start":832,"end":833,"type":85},148,163,{"type":58,"text":835,"spans":836},"If you order GrabFood mostly, or split across both apps, the POSB Everyday Card is the cleanest 10% cashback play with no card-juggling.",[837,840],{"start":838,"end":839,"type":85},61,79,{"start":841,"end":842,"type":85},96,108,{"type":58,"text":844,"spans":845},"If you collect miles, the Citi Rewards Card and DBS Woman's World Card both earn 4 mpd on food delivery with a S$1,000 monthly cap each. Stack them across the month for double the cap.",[846,848,850],{"start":847,"end":681,"type":85},26,{"start":657,"end":849,"type":85},70,{"start":851,"end":852,"type":85},81,86,[],"text$8646d8ee-b62e-492a-b4d1-e827ac6ef148",{"primary":856,"items":857,"id":858,"slice_type":99,"slice_label":8},{},[],"divider$0200520b-b7bc-4750-8eac-a915aae54feb",{"primary":860,"items":886,"id":887,"slice_type":94,"slice_label":8},{"text":861},[862,865,871],{"type":104,"text":863,"spans":864},"Why this matters more than you think",[],{"type":58,"text":866,"spans":867},"Food delivery is one of the few categories where credit card rewards routinely beat the platform's own promo codes. A 10% cashback card running daily wins out over a 25% off promo code that fires once a month with a S$30 minimum.",[868],{"start":869,"end":870,"type":85},49,114,{"type":58,"text":872,"spans":873},"The trap most people fall into: using a generic dining card on a food delivery transaction that gets coded as MCC 5814 (Fast Food). Several premium dining cards exclude this exact code, so you earn zero bonus on what you thought was a 4 mpd transaction.",[874,877,880,883],{"start":875,"end":876,"type":85},40,59,{"start":878,"end":879,"type":85},110,130,{"start":881,"end":882,"type":85},161,184,{"start":884,"end":885,"type":85},198,208,[],"text$6a08786d-2016-4325-9c33-b8c21e99838f",{"primary":889,"items":890,"id":891,"slice_type":99,"slice_label":8},{},[],"divider$e041f0de-3d7f-4bf9-9429-22b828c04031",{"primary":893,"items":898,"id":992,"slice_type":232,"slice_label":8},{"table_title":894},[895],{"type":104,"text":896,"spans":897},"Which card to use, by your situation",[],[899,914,927,940,953,966,979],{"col1":900,"col2":906,"col3":910},[901],{"type":58,"text":902,"spans":903},"Your spending profile",[904],{"start":44,"end":905,"type":85},21,[907],{"type":58,"text":117,"spans":908},[909],{"start":44,"end":120,"type":85},[911],{"type":58,"text":123,"spans":912},[913],{"start":44,"end":126,"type":85},{"col1":915,"col2":919,"col3":923},[916],{"type":58,"text":917,"spans":918},"foodpanda heavy user (S$300+/month)",[],[920],{"type":58,"text":921,"spans":922},"DBS yuu Card",[],[924],{"type":58,"text":925,"spans":926},"18% cashback (or 10 mpd) on foodpanda. Capped at S$800 spend per month.",[],{"col1":928,"col2":932,"col3":936},[929],{"type":58,"text":930,"spans":931},"GrabFood heavy user",[],[933],{"type":58,"text":934,"spans":935},"UOB One Card or POSB Everyday",[],[937],{"type":58,"text":938,"spans":939},"Up to 10% cashback. UOB One pays out quarterly with tiered minimum spend.",[],{"col1":941,"col2":945,"col3":949},[942],{"type":58,"text":943,"spans":944},"Mix of both apps, low fuss",[],[946],{"type":58,"text":947,"spans":948},"POSB Everyday Card",[],[950],{"type":58,"text":951,"spans":952},"10% cashback works on both platforms. S$800 min, S$206 cap per month.",[],{"col1":954,"col2":958,"col3":962},[955],{"type":58,"text":956,"spans":957},"Casual orderer (\u003CS$200/month)",[],[959],{"type":58,"text":960,"spans":961},"Citi Rewards (miles) or HSBC Live+ (cashback)",[],[963],{"type":58,"text":964,"spans":965},"No or low minimum spend. Earn rate is meaningful even on small orders.",[],{"col1":967,"col2":971,"col3":975},[968],{"type":58,"text":969,"spans":970},"Miles collector with high spend",[],[972],{"type":58,"text":973,"spans":974},"DBS yuu Card + Citi Rewards stacking",[],[976],{"type":58,"text":977,"spans":978},"10 mpd on foodpanda first (S$800), then 4 mpd on the rest via Citi Rewards.",[],{"col1":980,"col2":984,"col3":988},[981],{"type":58,"text":982,"spans":983},"Already on pandapro / GrabUnlimited",[],[985],{"type":58,"text":986,"spans":987},"Same cards apply",[],[989],{"type":58,"text":990,"spans":991},"The subscription removes delivery fees. Card cashback applies to whatever you actually pay.",[],"table3$8473d3fc-d0fb-4126-99da-8ef7e709d3b8",{"primary":994,"items":995,"id":996,"slice_type":99,"slice_label":8},{},[],"divider$4981476c-c6bd-42f4-a936-91a343ed7401",{"primary":998,"items":1069,"id":1070,"slice_type":94,"slice_label":8},{"text":999},[1000,1003,1006,1009,1021,1027,1030,1037,1042,1045,1053,1056,1059,1066],{"type":76,"text":1001,"spans":1002},"Best cashback cards for food delivery",[],{"type":58,"text":1004,"spans":1005},"Cashback is simpler than miles. The card pays you a percentage of your spend, capped per month or quarter. Below are the four cards worth your attention, ranked by effective rate per typical spend.",[],{"type":104,"text":1007,"spans":1008},"1. DBS yuu Card: 18% cashback on foodpanda (the highest in Singapore)",[],{"type":58,"text":1010,"spans":1011},"Earn 18% cashback on foodpanda food delivery, capped at roughly S$144 per month (the cap is structured as S$822 of qualifying spend at 18%). The catch: you must hit S$800 minimum spend on the card per calendar month, and that spend must touch at least 4 different yuu merchants.",[1012,1014,1016,1018],{"start":1013,"end":84,"type":85},5,{"start":1015,"end":839,"type":85},56,{"start":1017,"end":882,"type":85},165,{"start":1019,"end":1020,"type":85},252,277,{"type":58,"text":1022,"spans":1023},"yuu merchants include foodpanda, Cold Storage, Giant, 7-Eleven, Guardian, SimplyGo, and CHAGEE. If your monthly grocery + food delivery + transport already crosses S$800, this card is a no-brainer.",[1024],{"start":1025,"end":1026,"type":85},186,196,{"type":104,"text":1028,"spans":1029},"2. POSB Everyday Card: 10% on both apps, no merchant rules",[],{"type":58,"text":1031,"spans":1032},"Earn 10% cashback on online food delivery (both foodpanda and GrabFood), capped at S$206 per calendar month. Minimum spend is S$800 across all categories.",[1033,1034],{"start":1013,"end":465,"type":85},{"start":1035,"end":1036,"type":85},83,107,{"type":58,"text":1038,"spans":1039},"This is the default recommendation for anyone who doesn't want to think about merchant lists or quarterly tiers. It also pays 10% on Sheng Siong, utilities, and SimplyGo, so the S$800 minimum is easy to clear.",[1040],{"start":1041,"end":826,"type":85},12,{"type":104,"text":1043,"spans":1044},"3. UOB One Card: up to 10% on GrabFood (with conditions)",[],{"type":58,"text":1046,"spans":1047},"Earn up to 10% cashback on GrabFood specifically, but the structure is fiddly: you need to hit S$600, S$1,000, or S$2,000 minimum spend per statement month for 3 consecutive months in a calendar quarter. Cashback pays out at the end of the quarter, not monthly.",[1048,1050],{"start":1049,"end":657,"type":85},27,{"start":1051,"end":1052,"type":85},160,180,{"type":58,"text":1054,"spans":1055},"Worth it only if you have stable monthly spend and don't mind the lockup. Most casual users will under-earn versus POSB Everyday's monthly structure.",[],{"type":104,"text":1057,"spans":1058},"4. HSBC Live+: 5% with low minimum spend",[],{"type":58,"text":1060,"spans":1061},"Earn 5% cashback on food delivery, capped at S$5,000 per calendar quarter. Minimum spend is S$600 per month for 3 consecutive months.",[1062,1064],{"start":1013,"end":1063,"type":85},16,{"start":1065,"end":1036,"type":85},92,{"type":58,"text":1067,"spans":1068},"Lower headline rate than DBS yuu or POSB Everyday, but the S$600 minimum is the easiest threshold to hit consistently. Good middle-ground card if you spread spending across many categories.",[],[],"text$d50563bf-10e7-4ee4-9082-47419a950b5b",{"primary":1072,"items":1073,"id":1074,"slice_type":99,"slice_label":8},{},[],"divider$206e76f4-4fa1-4e02-bb82-5aacc9a074f6",{"primary":1076,"items":1150,"id":1151,"slice_type":94,"slice_label":8},{"text":1077},[1078,1081,1084,1087,1097,1102,1105,1112,1121,1124,1131,1137,1140,1147],{"type":76,"text":1079,"spans":1080},"Best miles cards for food delivery",[],{"type":58,"text":1082,"spans":1083},"Miles cards earn rewards points (or miles) per dollar spent. The standard food delivery rate is 4 miles per dollar (mpd), with one outlier (DBS yuu) at 10 mpd on foodpanda only.",[],{"type":104,"text":1085,"spans":1086},"1. DBS yuu Card: 10 mpd on foodpanda",[],{"type":58,"text":1088,"spans":1089},"Earn 10 mpd on foodpanda spend, capped at S$800 per calendar month (so 8,000 miles maximum). Same 4-merchant minimum applies. Same card as the cashback option above. Choose 10 mpd or 18% cashback per billing cycle.",[1090,1091,1094],{"start":1013,"end":271,"type":85},{"start":1092,"end":1093,"type":85},42,66,{"start":1095,"end":1096,"type":85},71,90,{"type":58,"text":1098,"spans":1099},"The MileLion calls this the only logical option for foodpanda spend. Worth noting: DBS yuu points convert to KrisFlyer at a less favourable ratio than HSBC or Citi points, so if you're a strict miles maximiser, the cashback option is often more rupee-for-rupee valuable.",[1100],{"start":434,"end":1101,"type":85},67,{"type":104,"text":1103,"spans":1104},"2. Citi Rewards Card: 4 mpd on both apps, S$1,000 cap",[],{"type":58,"text":1106,"spans":1107},"Earn 4 mpd on online transactions including food delivery on both foodpanda and GrabFood, capped at S$1,000 per statement month. No minimum spend required.",[1108,1110],{"start":1013,"end":1109,"type":85},33,{"start":64,"end":1111,"type":85},127,{"type":58,"text":1113,"spans":1114},"Citi Rewards points are arguably the most flexible miles currency in Singapore: 5-year validity (versus 1 year for DBS Woman's World), 11 transfer partners, and they pool across all Citi cards. The default miles card for food delivery if you only carry one.",[1115,1118],{"start":1116,"end":1117,"type":85},37,78,{"start":1119,"end":1120,"type":85},80,95,{"type":104,"text":1122,"spans":1123},"3. DBS Woman's World Card: 4 mpd, separate cap from Citi",[],{"type":58,"text":1125,"spans":1126},"Earn 4 mpd on online transactions, capped at S$1,000 per calendar month. The killer feature: it stacks with Citi Rewards cleanly because the caps are separate.",[1127,1128],{"start":1013,"end":1109,"type":85},{"start":1129,"end":1130,"type":85},141,158,{"type":58,"text":1132,"spans":1133},"Use Citi Rewards for the first S$1,000 of food delivery in your statement month, then switch to DBS Woman's World for the next S$1,000. Effective monthly cap doubles to S$2,000 of 4 mpd spend.",[1134],{"start":1135,"end":1136,"type":85},154,176,{"type":104,"text":1138,"spans":1139},"4. Maybank XL Rewards: 4 mpd if you can hit S$500 minimum",[],{"type":58,"text":1141,"spans":1142},"Earn 4 mpd on food delivery, capped at S$1,000 per calendar month. Minimum spend is S$500 per month across all categories.",[1143,1144],{"start":1013,"end":1049,"type":85},{"start":1145,"end":1146,"type":85},84,99,{"type":58,"text":1148,"spans":1149},"Worth holding only if you also use it for dining, hotels, or air tickets. The 4 mpd applies across multiple categories, which makes hitting the S$500 minimum easy.",[],[],"text$f474677d-824a-415e-bb27-2577e43f1a56",{"primary":1153,"items":1154,"id":1155,"slice_type":99,"slice_label":8},{},[],"divider$ba679651-1195-4df1-9b73-465e258d6c31",{"primary":1157,"items":1188,"id":1189,"slice_type":94,"slice_label":8},{"text":1158},[1159,1162,1167,1177,1185],{"type":76,"text":1160,"spans":1161,"direction":61},"The HSBC Revolution MCC 5814 trap (worth its own warning)",[],{"type":58,"text":1163,"spans":1164,"direction":61},"The HSBC Revolution Card earns 4 mpd on dining and online transactions, On paper it looks great for food delivery.",[1165],{"start":1166,"end":849,"type":85},31,{"type":58,"text":1168,"spans":1169,"direction":61},"The catch: HSBC Revolution explicitly excludes MCC 5814 (Fast Food). foodpanda always codes as 5814. GrabFood codes as 5812 or 5814 depending on the restaurant, with no clear pattern.",[1170,1172,1174],{"start":1049,"end":1171,"type":85},55,{"start":1173,"end":1146,"type":85},69,{"start":1175,"end":1176,"type":85},166,182,{"type":58,"text":1178,"spans":1179,"direction":61},"Net effect: foodpanda transactions on HSBC Revolution earn zero bonus miles. GrabFood is roughly a coin flip per order. If you're holding HSBC Revolution specifically for food delivery, you're losing money on every foodpanda order.",[1180,1182],{"start":876,"end":1181,"type":85},75,{"start":1183,"end":1184,"type":85},193,230,{"type":58,"text":1186,"spans":1187,"direction":61},"Use HSBC Revolution for Atome, hotels, and air tickets where it shines. Pick a different card for food delivery.",[],[],"text$3243ba83-48cc-4b8a-ae8d-b4b754234d36",{"primary":1191,"items":1192,"id":1193,"slice_type":99,"slice_label":8},{},[],"divider$bd24bc2c-affb-4bc2-bafb-73bb9d778882",{"primary":1195,"items":1235,"id":1236,"slice_type":94,"slice_label":8},{"text":1196},[1197,1200,1203,1206,1212,1215,1221,1224,1229],{"type":76,"text":1198,"spans":1199},"Stacking: card × promo code × subscription",[],{"type":58,"text":1201,"spans":1202},"The biggest unforced error in food delivery savings is treating cards, codes, and subscriptions as alternatives. They stack.",[],{"type":104,"text":1204,"spans":1205},"Layer 1: subscription removes delivery fees",[],{"type":58,"text":1207,"spans":1208},"pandapro and GrabUnlimited both remove the per-order delivery fee above a minimum spend. If you order 4 or more times per month from one platform, the subscription pays for itself.",[1209,1210],{"start":44,"end":847,"type":85},{"start":1211,"end":1111,"type":85},102,{"type":104,"text":1213,"spans":1214},"Layer 2: promo code reduces the food cost",[],{"type":58,"text":1216,"spans":1217},"Platform-wide and restaurant-specific codes apply to the food subtotal. They are the most volatile saving (codes change weekly) but also the highest individual saving when one fires.",[1218],{"start":1219,"end":1220,"type":85},85,105,{"type":104,"text":1222,"spans":1223},"Layer 3: card cashback rewards the final paid amount",[],{"type":58,"text":1225,"spans":1226},"After the subscription removes the delivery fee and the promo code reduces the food, your card earns rewards on whatever you actually paid. This is pure compounding. No checkout step blocks it.",[1227],{"start":832,"end":1228,"type":85},164,{"type":58,"text":1230,"spans":1231},"Worked example: a S$30 GrabFood order with GrabUnlimited (delivery fee removed, save S$5), a 20% off code (save S$6), then 10% cashback on the S$24 paid (S$2.40 back). Total saved: S$13.40 on a S$35 list price. The card layer alone is worth more than the typical 'thanks for ordering' email reward.",[1232],{"start":1233,"end":1234,"type":85},168,188,[],"text$01970e98-ccaf-4119-b5e2-d8cc9b0262f4",{"primary":1238,"items":1239,"id":1240,"slice_type":99,"slice_label":8},{},[],"divider$746eb30a-b24c-4c78-b111-1ffcc4f2bb19",{"primary":1242,"items":1280,"id":1281,"slice_type":94,"slice_label":8},{"text":1243},[1244,1247,1250,1256,1261,1267,1274],{"type":76,"text":1245,"spans":1246},"Other Singapore food and credit card guides",[],{"type":58,"text":1248,"spans":1249},"If you've decided on a card, the guides below help you stack it with the right platform, promo codes, or sign-up bonus.",[],{"type":253,"text":1251,"spans":1252},"Foodpanda vs GrabFood Singapore: which platform is actually cheaper, subscription comparison, and platform-wide promo code patterns.",[1253],{"start":44,"end":1166,"type":658,"data":1254},{"link_type":660,"url":1255,"target":662},"https://divedeals.sg/blog/foodpanda-vs-grabfood-singapore-which-is-cheaper",{"type":253,"text":1257,"spans":1258},"Best credit card sign-up promotions in Singapore: the full hub of welcome offers, cash gifts, and miles bonuses across every issuer.",[1259],{"start":44,"end":657,"type":658,"data":1260},{"link_type":660,"url":689,"target":662},{"type":253,"text":1262,"spans":1263},"KFC Singapore promo codes: the brand's own app deals usually beat both delivery platforms.",[1264],{"start":44,"end":341,"type":658,"data":1265},{"link_type":660,"url":1266,"target":662},"https://divedeals.sg/blog/kfc-promo-code-and-delivery-promotions",{"type":253,"text":1268,"spans":1269},"McDonald's Singapore tips and tricks: McDelivery codes, app deals, and Happy Meal toy schedule.",[1270],{"start":44,"end":1271,"type":658,"data":1272},36,{"link_type":660,"url":1273,"target":662},"https://divedeals.sg/blog/mcdonalds-tips-and-tricks",{"type":253,"text":1275,"spans":1276},"All Singapore promo codes: the full hub of currently-live deals across food, retail, travel, and more.",[1277],{"start":44,"end":341,"type":658,"data":1278},{"link_type":660,"url":1279,"target":662},"https://divedeals.sg/blog/singapore-promo-codes",[],"text$e835e522-7df7-4d43-bf4e-1ad959a1121b",{"primary":1283,"items":1284,"id":1285,"slice_type":99,"slice_label":8},{},[],"divider$f8ba5b52-23bb-478b-b066-1c5e24123940",{"primary":1287,"items":1292,"id":1293,"slice_type":94,"slice_label":8},{"text":1288},[1289],{"type":58,"text":1290,"spans":1291},"Card earn rates and caps verified from MileLion 2026 Credit Card Strategy (10 January 2026), Suitesmile Best Credit Cards For Food Delivery (8 April 2026), and individual issuer T&C pages on 8 May 2026. Card terms and bonus caps change frequently. Always check the issuer's current product page before applying or relying on a specific earn rate.",[],[],"text$d8c64fad-0f9f-492d-9d7b-2bd8190d1701",{"primary":1295,"items":1296,"id":1297,"slice_type":99,"slice_label":8},{},[],"divider$8fae23f4-df7d-4714-8578-8c41f604450f",{"primary":1299,"items":1385,"id":1386,"slice_type":94,"slice_label":8},{"text":1300},[1301,1304,1307,1314,1317,1326,1329,1340,1343,1347,1350,1358,1361,1370,1373],{"type":76,"text":1302,"spans":1303},"Frequently asked questions about credit cards for food delivery in Singapore",[],{"type":104,"text":1305,"spans":1306},"What is the highest cashback rate for food delivery in Singapore right now?",[],{"type":58,"text":1308,"spans":1309},"The DBS yuu Card pays 18% cashback on foodpanda spend, capped at roughly S$144 per month. This is the highest food-delivery cashback rate currently available in Singapore. Second place is POSB Everyday at 10% cashback on both foodpanda and GrabFood.",[1310,1313],{"start":1311,"end":1312,"type":85},22,47,{"start":1234,"end":885,"type":85},{"type":104,"text":1315,"spans":1316},"Do I really need a credit card for food delivery, or are promo codes enough?",[],{"type":58,"text":1318,"spans":1319},"Promo codes save more per individual order, but cards save more in aggregate. A 10% cashback card running on every order beats a 25% off promo code that fires once a month with a S$30 minimum. The right answer is to use both: code + card stack at every checkout. See our foodpanda vs GrabFood guide for stacking details.",[1320,1322],{"start":657,"end":1321,"type":85},76,{"start":1323,"end":1324,"type":658,"data":1325},271,298,{"link_type":660,"url":1255,"target":662},{"type":104,"text":1327,"spans":1328},"Why do my food delivery orders earn 0 cashback on my dining credit card?",[],{"type":58,"text":1330,"spans":1331},"Most likely your card pays cashback on specific MCC codes, not the literal word 'dining'. foodpanda always codes as MCC 5814 (Fast Food), and GrabFood codes as 5812 or 5814. Cards like HSBC Revolution that exclude MCC 5814 will not pay any bonus on foodpanda transactions, and pay only sometimes on GrabFood.",[1332,1334,1337],{"start":674,"end":1333,"type":85},57,{"start":1335,"end":1336,"type":85},116,124,{"start":1338,"end":1339,"type":85},185,222,{"type":104,"text":1341,"spans":1342},"Can I stack DBS yuu Card with promo codes on foodpanda?",[],{"type":58,"text":1344,"spans":1345},"Yes. The card and the promo code are independent layers. The promo code reduces the food cost at checkout, and DBS yuu pays 18% cashback (or 10 mpd) on whatever you actually pay after the code. Stack them on every order.",[1346],{"start":1116,"end":1171,"type":85},{"type":104,"text":1348,"spans":1349},"Is the UOB One Card better than POSB Everyday for GrabFood?",[],{"type":58,"text":1351,"spans":1352},"Only if you can hit the quarterly minimum-spend rules consistently. UOB One requires S$600 to S$2,000 minimum spend per statement month for 3 consecutive months. POSB Everyday's monthly S$800 minimum is more forgiving. For most casual orderers, POSB Everyday wins on flexibility.",[1353,1355],{"start":271,"end":1354,"type":85},53,{"start":1356,"end":1357,"type":85},245,278,{"type":104,"text":1359,"spans":1360},"Should I open a new credit card just for food delivery?",[],{"type":58,"text":1362,"spans":1363},"Only if your food delivery spend justifies the application effort. A rough rule: if you spend S$300+ per month on food delivery, opening a dedicated card pays back within 2 months via cashback alone. Below that, use whatever card you already have that earns at least some bonus on online or dining transactions. See our credit card sign-up promotions guide for current welcome offers worth chasing.",[1364,1366],{"start":1365,"end":878,"type":85},94,{"start":1367,"end":1368,"type":658,"data":1369},320,356,{"link_type":660,"url":689,"target":662},{"type":104,"text":1371,"spans":1372},"Do brand-specific apps (KFC, McDelivery, Burger King) earn the same card rewards?",[],{"type":58,"text":1374,"spans":1375},"Usually yes, and often the brand app codes beat both delivery platforms. KFC, Burger King, and McDonald's all run their own delivery apps with exclusive promo codes that don't appear on foodpanda or GrabFood. Pay with the same food-delivery card to double-stack: brand-app code + card cashback. See our KFC promo codes guide and McDonald's tips guide for the current app-only deals.",[1376,1377,1381],{"start":1049,"end":1095,"type":85},{"start":1378,"end":1379,"type":658,"data":1380},303,324,{"link_type":660,"url":1266,"target":662},{"start":1382,"end":1383,"type":658,"data":1384},329,350,{"link_type":660,"url":1273,"target":662},[],"text$9b314d55-0c4b-44b7-a004-7d89565ddde9",{"primary":1388,"items":1389,"id":1390,"slice_type":99,"slice_label":8},{},[],"divider$5750255c-3e98-47b4-a288-0a8ba1f054f5",{"primary":1392,"items":1401,"id":1402,"slice_type":94,"slice_label":8},{"text":1393},[1394],{"type":58,"text":1395,"spans":1396},"More food delivery deals: see our foodpanda vs GrabFood comparison for platform-wide patterns, or browse all Singapore promo codes for currently-live restaurant and delivery offers.",[1397,1399],{"start":826,"end":1093,"type":658,"data":1398},{"link_type":660,"url":1255,"target":662},{"start":1220,"end":879,"type":658,"data":1400},{"link_type":660,"url":1279,"target":662},[],"text$d178c6a8-ff77-482e-8b8e-85ed410a7712",{"headline":1404,"description":1408,"image":1412},[1405],{"type":25,"text":1406,"spans":1407},"Dive Deals Blog",[],[1409],{"type":76,"text":1410,"spans":1411},"Read our blog for the greatest tips and summaries in discovering the best deals and promotions in Singapore.",[],{"dimensions":1413,"alt":8,"copyright":8,"url":1415,"id":1416,"edit":1417},{"width":1414,"height":1414},703,"https://images.prismic.io/dive/228e1465-2ad7-44a7-8a5c-84609d609c72_Background.png?auto=compress,format","YGSv3xAAACEAJH7j",{"x":44,"y":44,"zoom":45,"background":46},[1419],{"id":1420,"uid":1421,"url":8,"type":9,"href":1422,"tags":1423,"first_publication_date":1427,"last_publication_date":1428,"slugs":1429,"linked_documents":1431,"lang":20,"alternate_languages":1432,"data":1433},"YLhycRQAACIAYFKG","singapore-promo-codes","https://dive.cdn.prismic.io/api/v2/documents/search?ref=af3Q9BAAACIAaMNh&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22YLhycRQAACIAYFKG%22%29+%5D%5D",[1424,1425,1426],"Promo codes","Singapore","Shopping","2021-06-03T09:54:04+0000","2026-05-03T07:20:52+0000",[1430],"exclusive--validated-singapore-promo-codes---best-coupons--deals-may-2026",[],[],{"title":1434,"seo_title":1438,"seo_meta_description":1441,"featured":1445,"expired":35,"noindex":35,"cover_image":1446,"date":1454,"author_link":1455,"body":1473},[1435],{"type":25,"text":1436,"spans":1437,"direction":61},"Exclusive & Validated Singapore Promo Codes - Best Coupons & Deals May 2026",[],[1439],{"type":25,"text":1436,"spans":1440,"direction":61},[],[1442],{"type":25,"text":1443,"spans":1444,"direction":61},"Unlock the best and validated Singapore promo codes and coupon codes at divedeals.sg. Save on top brands and retailers with exclusive discounts and special offers for 2026!",[],true,{"dimensions":1447,"alt":1450,"copyright":8,"url":1451,"id":1452,"edit":1453},{"width":1448,"height":1449},1684,882,"Promo Code Blog Cover","https://images.prismic.io/dive/ZqDG1R5LeNNTxcyj_Creative-Blogcover-.png?auto=format,compress","ZqDG1R5LeNNTxcyj",{"x":44,"y":44,"zoom":45,"background":46},"2026-05-03",{"id":1456,"type":50,"tags":1457,"lang":20,"slug":1458,"first_publication_date":1459,"last_publication_date":1460,"data":1461,"link_type":69,"key":1472,"isBroken":35},"aEZYRBEAACMAwKkc",[],"shaynee-tan","2025-06-09T03:47:25+0000","2025-09-05T10:11:28+0000",{"name":1462,"picture":1466},[1463],{"type":58,"text":1464,"spans":1465,"direction":61},"Shaynee Tan",[],{"dimensions":1467,"alt":8,"copyright":8,"url":1468,"id":1469,"edit":1470},{"width":64,"height":64},"https://images.prismic.io/dive/aEZYI7h8WN-LV4dv_001734620014.JPEG?auto=format,compress&rect=261,0,1024,1024&w=100&h=100","aEZYI7h8WN-LV4dv",{"x":1471,"y":44,"zoom":45,"background":46},261,"bdfb714d-2d96-4f4d-a4a8-779962b4f366",[1474,1515,1533,1549,1560,1643,1647,1681,1685,1718,1722,1868,1872,2036,2040,2087,2091,2146,2150,2197,2201,2209,2226,2238,2247,2253,2266,2273,2277,2281,2289,2305,2313,2322,2326,2334,2338,2342,2350,2366,2374,2381,2385,2397,2404,2408,2421,2428,2432,2445,2452,2456,2463,2467,2474,2478,2485,2489,2496,2500,2504,2511,2515,2522,2526,2530,2541,2557,2565,2573,2577,2590,2597,2601,2608,2612,2619,2623,2630,2634,2645,2649,2657,2661,2668,2672,2679,2683,2690,2694,2701,2705,2712,2716,2720,2728,2743,2750,2754,2769,2776,2780,2794,2801,2805,2809,2817,2832,2840,2847,2851,2858,2862,2869,2873,2880,2884,2888,2896,2911,2918,2922,2933,2940,2944,2951,2955,2959],{"primary":1475,"items":1512,"id":1514,"slice_type":94,"slice_label":8},{"text":1476},[1477,1480,1497,1500,1506,1509],{"type":58,"text":1478,"spans":1479,"direction":61},"Start the new month with the best coupon codes and discounts across various categories! Whether you're looking for food delivery, groceries, fast food, or shopping deals, we’ve got you covered. At Divedeals.sg, we compile the latest coupon codes and promo codes from top platforms in Singapore to help you save on all your favorite purchases.",[],{"type":58,"text":1481,"spans":1482,"direction":61},"From food delivery services like GrabFood, foodpanda, and WhyQ to supermarket deals and discounts on your favorite fast food chains and shopping platforms like Lazada, Shopee, Zalora and iHerb, you'll find all the best offers here. Our verified and updated coupon codes ensure you get the most savings every time.",[1483,1485,1487,1490,1491,1493,1494],{"start":1109,"end":1484,"type":85},41,{"start":1092,"end":1486,"type":85},52,{"start":1488,"end":1489,"type":85},58,62,{"start":1051,"end":1175,"type":85},{"start":1233,"end":1492,"type":85},174,{"start":1136,"end":1176,"type":85},{"start":1495,"end":1496,"type":85},187,192,{"type":58,"text":1498,"spans":1499,"direction":61},"Some deals have limited redemptions, so act fast! If you miss out on this month’s coupons and promotions, don’t worry – stay tuned to this page for the latest coupon codes in Singapore every month. This page is always updated so you can find all the best coupons and promo codes in one place!",[],{"type":58,"text":1501,"spans":1502,"direction":61},"Follow our telegram to be notified of new coupon and promo codes :)",[1503],{"start":287,"end":426,"type":658,"data":1504},{"link_type":660,"url":1505,"target":662},"https://t.me/sgdivedeals",{"type":58,"text":1507,"spans":1508,"direction":61},"",[],{"type":76,"text":1510,"spans":1511,"direction":61},"Regularly Updated Voucher Drops from Shopee & 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