Singapore was a foodie’s paradise, however ever for the reason that pandemic hit, consuming has turn into extra of an unwelcome necessity, and the explanation our roads and pavements are swarming with supply riders each second of the day.
Whether or not you consider consuming as your sole purpose to stay or only a momentary interruption within the work/Netflix day by day grind, you’ll want to do it, so that you would possibly as nicely use a bank card that can reward you for protecting your self alive with the mandatory nourishment.
Greatest eating bank cards in Singapore 2021
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Greatest bank card |
Eating & meals supply advantages |
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Citi Money Again |
6% cashback (dine-in solely) |
|
Normal Chartered Rewards+ |
5X rewards factors (dine-in solely) |
|
POSB On a regular basis Card |
10% (meals supply) or 3% (dine-in) cashback |
|
Maybank Household & Mates Card |
8% cashback (dine-in & meals supply) |
|
OCBC 365 Card |
6% cashback (dine-in & meals supply) |
1. Citi Money Again Card
As soon as probably the most beneficiant playing cards on the town, the Citi Money Again Card’s cashback programme was “revised” late final 12 months. However earlier than you slip it into the slot in your pockets reserved for receipts, it’s nonetheless a reasonably good eating card.
The Citi Money Again card provides you 6% cashback if you dine at eating places, cafes and quick meals joints. The catch is you don’t qualify for this cashback if you pay via meals supply providers like Deliveroo and Foodpanda. So that you’ll both need to order and pay immediately on the eatery or dine-in.
The cardboard additionally presents 8% cashback on groceries, as much as 20.88% gas financial savings at Esso and Shell, in addition to 8% cashback at different petrol stations.
The minimal spending requirement is $800, which could be laborious to hit in case you have just one mouth to feed and don’t drive. The whole cashback you’ll be able to earn monthly is $80, which covers about $1,000 to $1,333 price of spending.
2. Normal Chartered Rewards+ Card
In the event you want rewards to cashback, the Normal Chartered Rewards+ Card is among the finest playing cards to make use of for eating.
The cardboard doles out 5X rewards factors — equal to 1.45 air miles per $1 — if you spend on eating in Singapore. Simply so you understand, the 5X rewards factors are solely awarded for eating in, and never meals supply providers.
You’ll be able to then swap your factors for goodies within the StanChart rewards catalogue, resembling staycation and shopping center vouchers.
In additional regular instances, the cardboard would additionally provide you with 10X rewards factors (equal to 2.9 air miles) on overseas forex eating, abroad retail and journey spending, which is out for many of us as a result of pandemic.
You’re entitled to as much as 20,000 factors per 12 months, which you’ll earn with $4,000 price of native spending or $2,000 price of overseas forex spending.
3. POSB On a regular basis Card
The POSB On a regular basis Card rewards you amply for staying residence by providing a whopping 10% money rebate on on-line meals supply from Foodpanda and Deliveroo.
As well as, you get 3% money rebates on different eating spending, resembling eating in individual at eating places and cafes.
The cardboard additionally provides a relatively random number of different perks, together with 5% rebates on Sheng Siong groceries, 5% rebates at Amazon.sg, Lazada, Qoo10, RedMart and iHerb, SPC gas reductions, 3% rebates at Watsons and Pet Lovers Centre, and 1% cashback on electrical energy payments from sure suppliers.
To qualify for the rebates, you’ll want to spend at the very least $800 in a calendar month. You’re entitled to as much as $15 rebates monthly for eating and meals supply.
On the 10% rebate price for on-line meals supply, that’s a max of $150 price of spending. In the event you solely use the cardboard for dining-in relatively than meals supply, you will get get the three% cashback price on as much as $500 of spending.
4. Maybank Household & Mates Card
This card is a workhorse that provides nice cashback charges, together with 8% rebates on eating and meals supply.
You additionally get 8% cashback on groceries (on-line and off), transport, information communication/on-line TV streaming, and sure retail/pet shops.
If you would like, you’ll be able to change any of the above classes for 3 new ones: on-line trend purchases, leisure and pharmacy/wellness. For instance, for those who don’t have youngsters or pets, the retail/pet retailer class won’t be helpful to you. You would possibly thus select to swap it for on-line trend purchases so you will get 8% cashback in your on-line procuring.
The minimal spending requirement is $800, which isn’t that dangerous contemplating you need to use the cardboard for such a variety of spending. Cashback is capped at $25 per class, which works out to $312.50 price of spending.
5. OCBC 365 Credit score Card
Learn MoreMore Particulars
Key Options
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6% cashback on on a regular basis eating (together with native, abroad and on-line meals supply)
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3% cashback on grocery, land transport, on-line journey, recurring telco and electrical energy payments
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0.3% cashback on every part else
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As much as S$200,000 of complimentary journey private accident insurance coverage
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2 years price waiver for principal card (S$192.60), subsequent years waived with min. spend of S$10,000 p.a.
See all card particulars
The OCBC 365 Card provides you 6% cashback on dining-in and on-line meals supply.
To sweeten the deal, you additionally get 3% cashback on groceries (on-line and off), land transport (together with experience hailing and taxis), utilities and on-line journey bookings. Drivers get petrol financial savings at Caltex and Esso, with 5% cashback if you use different petrol service stations.
To really obtain your cashback, you’ll want to make sure you spend at the very least $800 in a calendar month. Cashback is capped at $80 monthly, which interprets to as much as $1,333 price of dining-in and on-line supply.
Bonus: MoneySmart’s Covid-19 eating ideas
Right here’s the way to feed your self for rather less on this pandemic:
Examine for promo codes when utilizing meals supply apps – Try this text on MoneySmart for the most recent foodpanda, Deliveroo, GrabFood and WhyQ promo codes.
Use on-line platforms to order your meals for pickup – When pre-ordering meals for pickup, use a web based platform wherever attainable so you need to use your bank card to pay and within the course of earn cashback, rewards or miles for on-line spending. That is significantly pertinent for retailers like hawkers that will not settle for bank card fee.
Examine your financial institution’s web site for eating promos — Bank card suppliers are continually including offers resembling discounted or 1-for-1 meals at chosen institutions. In the event you can’t consider something to eat, wanting via your card’s eating promotions ought to provide you with some concepts.
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