What’s better than eating? Eating out, of course.

Besides, one of the unspoken truths about long-term dating is that eventually, there isn’t anything left to do besides go out and eat.

Okay, we might have exaggerated that point a bit. There’s really a lot of things to do in Singapore.

But eating out, as we’ve said, is something that you’ll always do. If you’re worried that it’ll burn a huge hole in the pocket, know this: credit cards do more than just help you pay for the meal. It can also help you pay LESS.

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The question is – which cards will make it worth your while when you dine out? Here are some to consider for your next meal:

Card

Rewards

Other information

Standard Chartered Unlimited Cashback Card

  • 1.5% cashback on all spending, including dining worldwide
     
  • 1.5% cashback on all other spending
  • No cashback cap
     
  • No minimum spend necessary for cashback
     
  • Annual fee waived for first two years

Maybank FC Barcelona Visa Signature Card

  • 1.6% cashback on all spending, including dining worldwide
     
  • 2 TREATS points per $1 spent on foreign currency transactions
  • No cashback cap
     
  • No minimum spend necessary for cashback
     
  • Annual fee waived with a total spend of $10,000 per annum

American Express CapitaCard

  • Discounts and complimentary wine / appetiser at select restaurants
     
  • 5 STAR$ per $1 spent
     
  • 30 STAR$ per $1 spent at CapitaLand malls
  • No rewards cap
     
  • Annual fee waived for first year

American Express True Cashback Card

  • Dining discounts of up to 50%, at select restaurants worldwide
     
  • 1.5% cashback on all spending, including dining worldwide
  • No cashback cap
     
  • No minimum spend necessary for cashback
     
  • Annual fee waived for first year

American Express Singapore Airlines KrisFlyer Ascend

  • Up to 50 per cent savings on select restaurants worldwide
     
  • 1.2 KrisFlyer miles per $1 spent
     
  • 2 KrisFlyer miles per $1 spent overseas, in June and December
     
  • No rewards cap
     
  • 13,000 KrisFlyer miles for first $5,000 spend and 13,000 KrisFlyer miles on next $5,000 spend in the first three months
     
  • Complimentary one night stay each year, at over 110 Hilton properties in Asia Pacific
     

Standard Chartered Unlimited Cashback Card

Standard Chartered Unlimited Cashback Card
  • New-to-bank cardholders: Receive $100 cashback when you apply and activate your card within 30 days of card approval.
  • Existing cardholders: Receive $20 cashback when you apply for any of the eligible cards.
  • Enjoy 20% cashback (capped at $30 a month) on all your Grab rides with a minimum total eligible retail spend of $900 in a month, including Grab App transactions.

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Standard Chartered Unlimited Cashback Card

As there’s no cashback cap for this card, there’s no need to worry about switching your card once you’ve hit a certain amount. The cashback even applies when you dine overseas, so foodie travellers should take note.

As the 1.5% cashback also applies to other spending, this card is versatile; perfect if you want dining benefits, but don’t want to keep three or four credit cards to optimise your rewards.

New-to-bank applicants will also get $100 cashback when they activate the card within 30 days of approval, so why say no to free cash?

Good for:

  • People who don’t want to use multiple cards to optimise their rewards.
  • Dating couples, or business people who need to entertain clients, because of the 1-for-1 dining deals.

Maybank FC Barcelona Visa Signature Card

Maybank FC Barcelona Visa Signature Card
  • New-to-bank cardholders will receive a Samsonite Orfeo 69cm Spinner luggage (worth $420) when they apply for 2 new Maybank Credit Cards and CreditAble, and charge to your Credit Card and/or withdraw from your CreditAble Account a minimum of $500 within first two months of approval.
  • 1.6% cashback
  • 2 TREATS points per $1 spent on foreign currency

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Maybank FC Barcelona Visa Signature Card

Rack up your TREATS points for rewards like movie tickets or mall vouchers even as you enjoy unlimited cashback.

This card gives you a flat 1.6% rebate on all your dining, anywhere in the world. And if you are dining abroad, note that you get double the reward points (2 TREATS points per $1 spent on foreign currency).

There’s no cashback cap, and the 1.6% rebate applies universally – there’s no need to get multiple credit cards to maximise your rebates.

Good for:

  • Unlimited cashback, one of the highest in the market to date.
  • Fans of Barcelona FC (the club symbol is imprinted on the card too).

American Express CapitaCard

American Express CapitaCard
  • Get discounts, complimentary wine or appetizer at restaurants under the American Express Invites programme
  • 3-hour complimentary parking across 15 CapitaLand Malls with a min. spend of $1200 per month

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American Express CapitaCard

This card gives you either direct discounts or free wine / appetisers at participating restaurants. On top of that, you get STAR$ points, which can be redeemed for rewards like movie tickets, vouchers, or even more dining deals.

This card is ideal if you go to CapitaLand owned malls often, such as ION Orchard, Bugis Junction, or Plaza Singapura. CapitaLand has both heartland and central malls across Singapore, so chances are good that your favourite eateries are covered.

Good for:

  • Anyone whose favourite restaurants tend to be in CapitaLand malls.
  • Anyone who prefers to redeem rewards instead of cashback or air miles.

American Express True Cashback Card

American Express True Cashback Card
  • Enjoy 3% cashback on all eligible spend for first 6 months, capped at $5000 spend, and 1.5% cashback for all subsequent spends
  • 1.5% cashback on all dining spend worldwide
  • Exclusive dining privileges with American Express Selects

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American Express True Cashback Card

Think of this as the cashback version of the abovementioned Amex credit card. They both give you special deals and discounts at restaurants under American Express Selects.

However, the difference is that you get cashback instead of points.

With a flat 1.5%, unlimited cashback, you can use this as your one card for all dining purposes. No need to remember to switch cards, as there’s no cap on the rebates.

At present, you can also get 3% cashback on all spending for the first six months, up to the first $5,000 charged to the card. After that, cashback falls back to 1.5 per cent.

Good for:

  • Getting direct discounts at select restaurants, to complement your cashback savings.
  • Anyone who has a big vacation or trip coming up, as you can qualify for the 3% cashback within the first six months.

American Express Singapore Airlines KrisFlyer Ascend

American Express Singapore Airlines KrisFlyer Ascend
  • Up to 50% savings on select restaurants worldwide.
  • 1.2 KrisFlyer miles per $1 spent.
  • 2 KrisFlyer miles per $1 spent overseas, in June and December.

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American Express Singapore Airlines KrisFlyer Ascend

Check out American Express Selects to see the wide range of dining deals from this card. Discounts range from 20% to 50% at restaurants all around the world.

Besides that, you get 1.2 KrisFlyer miles per $1 spent, or 2 KrisFlyer miles per $1 spent overseas in June and December. This is excellent for globetrotting foodies, who want to journey around the world to try the best restaurants. Those exquisite meals will subsidise your flight costs with air miles.

First time applicants can also get a bonus of 13,000 KrisFlyer miles for the first $5,000 spend and another 13,000 KrisFlyer miles for the next $5,000 spend within the first three months.

Good for:

  • Foodies who are also frequent flyers.
  • You want to save while still getting airmiles, via direct discounts at American Express Select restaurants.

Read next: 10 Michelin-Star-Worthy Restaurants in Singapore That Are Value for Money

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