Best dining credit cards for Singapore in April 2026. Image: Little Big Red Dot.
Dining out in Singapore is not cheap, but the right credit card can quietly claw back 5% to 15% of every restaurant bill. As of April 2026, here are the dining credit cards delivering the best cashback for Singaporean consumers, ranked by real effective cashback rate, convenience, and minimum spend sanity.
Figures verified via MoneySmart, SingSaver and each bank's official website. Terms and conditions change regularly — always double-check directly with the bank before signing up.
Quick Comparison Table
| Card | Dining Cashback | Min Spend | Cap | Annual Fee |
|---|---|---|---|---|
| Trust Cashback Card | Up to 15% | None on entry tier | S$250/quarter | Nil |
| Citi Cash Back Card | 8% | S$800/month | S$25/category/month | S$194.40 |
| UOB One Card | Up to 10% (equiv.) | S$500/S$1,000/S$2,000 | Tiered | S$196.20 |
| HSBC Live+ Card | 8% | S$800/month | S$300/quarter | S$196.20 (waived yr 1–2) |
| OCBC 365 Card | 5% local / 3% online | S$800/month | S$80/month | S$196.20 |
| OCBC Infinity | 1.6% unlimited (flat) | None | Unlimited | S$294.30 |
1. Trust Cashback Card — Best Overall No-Fee Pick
The Trust Cashback Card offers up to 15% cashback on dining, capped at S$250 per quarter. It has no annual fee and no minimum spend at the base tier, which makes it the easiest card to add to your wallet as a dedicated dining card.
Verdict: If you spend S$500–S$1,500 a quarter on dining, this is probably the highest effective return card in the market.
2. Citi Cash Back Card — Best for Heavy Diners
The Citi Cash Back Card offers a consistent 8% cashback on dining and food delivery (which is rare — most cards treat delivery as online spend at a lower rate). There is a S$800/month minimum spend and S$25 per category per month cap, but if you regularly spend S$300+/month on restaurants and Grab/foodpanda, the returns stack up quickly.
3. UOB One Card — Best for Couples/Families
The UOB One Card rewards consistent spend across three consecutive months with up to 10% effective cashback (via the rebate structure). The S$2,000/month tier is where the magic happens for dual-income families. The key: dining spend needs to be part of the general card spend — it is not a dining-specific card, but a generous all-rounder.
4. HSBC Live+ Card — Best Perks on Entertainment
The HSBC Live+ Card offers 8% cashback on dining, entertainment and online shopping, with a S$300/quarter cap. HSBC frequently waives annual fees for the first 1–2 years, so the effective cost of ownership is low. The broader 8% category coverage (entertainment + dining + online) makes this card particularly strong for millennials.
5. OCBC 365 Card — Reliable Daily Driver
The OCBC 365 Card remains a household staple thanks to its 5% dining cashback (6% on weekends at select establishments), plus cashback on groceries, transport and petrol. It is the type of card you can use everyday without thinking — if you only want to carry one card, this is a strong candidate.
6. OCBC Infinity Card — Best for Low-Fuss Earners
If minimum-spend tracking annoys you, the OCBC Infinity Card gives a flat 1.6% unlimited cashback on everything (including dining) with no spend cap. You will not get the highest rate, but you will never "miss out" by not hitting a tier.
How to Choose
Heavy diner (over S$800/month on dining): Trust Cashback (for lower tier) or Citi Cash Back (for premium experience).
Moderate diner (S$300–S$800/month): HSBC Live+ or OCBC 365.
Light diner, hate tracking: OCBC Infinity for effortless flat cashback.
Family with predictable monthly spend: UOB One for the 10% effective rate.
Pair with Buffet Promotions
Several of these cards double-dip with 1-for-1 buffet promotions. In April 2026, the standout promotions include:
- The Blue Tiffin 1-for-1 Weekend International Buffet with DBS/POSB cards (till 30 June 2026)
- Sheraton Towers The Dining Room 1-for-1 Buffet with DBS/POSB cards (till 30 June 2026)
- Hathaway at Capital Tower 1-for-1 Weekend Buffet with DBS/POSB (ending May 2026)
- Carnivore Brazilian Churrascaria 1-for-1 Buffet (till 31 July 2026)
- Town Restaurant 1-for-1 Weekday Lunch Buffet with HSBC (first 250 redemptions)
Our Verdict
If we had to pick just one, the Trust Cashback Card gets our nod for most Singaporeans. No annual fee, up to 15% dining cashback, and quarterly caps that most moderate diners will not hit. It is a clean, modern, rewards-first product.
For more Singapore money and deals coverage, browse our Deals section and Money section.
Rates and promotions verified with MoneySmart, SingSaver, DBS/POSB, UOB, OCBC, Citi and HSBC as at April 2026. Always check the bank's official website for the latest T&Cs before applying. This article is for information only and is not financial advice.
