Best credit cards for food delivery in Singapore (2025)
Love ordering in? Find out how to make every delivery more rewarding with the best credit cards for food delivery in Singapore.
written_by SingSaver Team
updated: May 15, 2025
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Ordering food is part of life in Singapore — for convenience, variety, or simply treating yourself. But those delivery charges and mark-ups add up quickly.
The right credit card helps you save or earn rewards every time you tap "Order now". Whether you want cashback, air miles, or points, this guide will show you the best cards for GrabFood, foodpanda, Deliveroo and more.
Table of contents
- •Why use credit cards for food delivery?
- •How food delivery transactions are categorised (MCC explained)
- •Best credit cards for cashback on food delivery
- •Best credit cards for miles and points on food delivery
- •Optimisation hacks to maximise rewards
- •Cashback vs Miles – Which should you choose?
- •Credit card benefits you might not know (2025)
- •Choose the right card and make every meal rewarding
- •Frequently asked questions about the best credit cards for food delivery
Why use credit cards for food delivery?
Think about it – you're already spending on those yummy meals. Why not make that spending work for you? Here's the lowdown on the perks:
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Turn spending into rewards: Get cashback, miles, or points on every order — it’s like getting a little thank you for your nasi lemak or bubble tea.
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Offset rising costs: Cashback reduces the sting of delivery fees and service charges.
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Stack rewards effortlessly: Combine credit card rewards with app discounts — no extra effort required.
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Earn across all platforms: A good card works for GrabFood, foodpanda, Deliveroo and more, without needing separate loyalty programmes.
Best dining credit cards in Singapore (2025)
From gourmet nights to weekday takeaways, discover the best cards that turn your food spending into savings.
How food delivery transactions are categorised (MCC explained)
Banks use something called Merchant Category Codes (MCCs) to classify what kind of business you're spending your money at.
For food delivery, you might see codes like:
- MCC 5812: This usually refers to Restaurants.
- MCC 5814: This often covers Fast Food Restaurants.
- Sometimes, online food delivery might even fall under more general Online Retail or Miscellaneous categories.
Why does this matter? Cards often reward online or dining transactions differently. Understanding your MCC helps you avoid missing out on rewards.
Pro tip: Not all food delivery orders are coded the same – know your MCC to avoid missing cashback or miles.
How to check the MCC of past transactions:
- Bank statements: Sometimes, your bank statement will show the MCC alongside the transaction details. Have a peek at your past food delivery orders.
- Call your bank: Give your bank a quick call and ask them about the MCC associated with a specific food delivery transaction.
Best credit cards for cashback on food delivery
POSB Everyday Card — Up to 10% cashback on Foodpanda & Deliveroo
POSB Everyday Card
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| Min. Annual Income | S$ 30,000 |
|---|---|
| Card benefit | 0.3 - 10% cashback |
| Annual Fee | S$ 196.20 |
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SingSaver’s take
The POSB Everyday Card is a solid choice for those who frequently order in from foodpanda, and Deliveroo, thanks to its generous uncapped cashback on these platforms. If these are your go-to apps, this card offers straightforward savings without the worry of hitting cashback limits for your delicious deliveries.
UOB One Card — Up to 10% cashback on GrabFood (via GrabPay)
UOB One Card
on_provider_website
| Min. Annual Income | S$ 30,000 |
|---|---|
| Card benefit | 3.33 - 10% cashback |
| Annual Fee | S$ 196.20 |
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SingSaver’s take
The OCBC 365 Card offers a reliable 5% cashback on both dining out and ordering in, making it a straightforward option for food lovers. The lower minimum spend compared to some other high-cashback cards can be appealing, but remember to factor in the monthly spending requirement to unlock the rewards.
Credit card bonus categories explained: How to maximise rewards in Singapore
Not all spending earns you the same rewards. Understand credit card bonus categories and start earning more cashback, miles or points where it matters most.
Best credit cards for miles and points on food delivery
HSBC Revolution Card — 4 mpd on online food delivery
HSBC Revolution Credit Card
on_provider_website
| Min. Annual Income | S$ 30,000 |
|---|---|
| Card benefit | 4 miles / dollar |
| Annual Fee | No Annual Fee |
| REWARDS | |
| |
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SingSaver’s take
The HSBC Revolution Card is a fantastic entry point into the world of miles, especially for those who frequently order food online. With no annual fee and no minimum spend to start earning, it's a low-commitment way to turn your takeaway habit into potential travel rewards.
Citi Rewards Card — 4 mpd on online spend (including most food delivery)
Citi Rewards Card
on_provider_website
| Min. Annual Income | S$ 30,000 |
|---|---|
| Card benefit | 1 - 10 points / dollar |
| Annual Fee | S$ 196.20 |
| REWARDS | |
| |
product_details
SingSaver’s take
The Citi Rewards Card is a popular choice for online shoppers, and that includes your food delivery cravings! The strong 4 mpd earn rate on online transactions makes it a solid option for accumulating miles from your everyday eats, just be mindful of the monthly spending cap to maximise your rewards.
DBS Woman’s World Card — 4 mpd on online food delivery
DBS Woman's World Card
on_provider_website
| Min. Annual Income | S$ 80,000 |
|---|---|
| Card benefit | 1 - 10 DBS points / dollar |
| Annual Fee | S$ 196.20 |
product_details
SingSaver’s take
The DBS Woman’s World Card offers a competitive 4 mpd on all your online spending, making it a great way for regular online food delivery users to rack up those air miles. The higher monthly cap compared to some other 4 mpd cards is a definite plus for moderate online spenders.
Best credit cards for fast food in Singapore (2025)
Love your McDonald's, KFC and Burger King treats? Earn cashback or miles with every bite — here's how the right credit card makes fast food more rewarding.
Optimisation hacks to maximise rewards
Ready to level up your rewards game? Here are a few savvy strategies:
Use GrabPay + credit card for bonus rewards
Linking certain cards to GrabPay can help maximise cashback or bypass MCC issues.
Stack credit card rewards with food delivery app promotions
Combine card rewards with promo codes from GrabFood, foodpanda and Deliveroo.
Time orders to meet bonus cashback or miles tiers
Use high-spend months to hit bonus tiers (e.g. UOB One Card) and unlock higher cashback.
» Pre-approved credit cards in Singapore that don’t affect CBS score
Cashback vs Miles – Which should you choose?
Stuck in the cashback vs miles debate? Here's a simple way to think about it:
Choose cashback if:
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You prefer immediate savings.
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You are a casual spender who values simplicity.
Choose miles if:
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You travel frequently or plan big redemptions.
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You’re willing to strategise and wait for better value.
Easy decision guide: Which card suits you best?
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Frequent flyer? → Miles/Points
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Heavy spender? → Cashback (look for high caps) or Miles (if you can hit spending targets)
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Casual user? → Cashback or Miles with no minimum spend
Credit card benefits you might not know (2025)
Choose the right card and make every meal rewarding
Ordering in doesn't have to mean overspending. By picking the right card, you can earn cashback, miles or points — all while enjoying your favourite food.
Whether you’re a casual weekend orderer or a daily dabao devotee, there’s a credit card out there to make your spending work harder for you.
Ready to turn your food delivery bills into cashback or miles? Compare and apply for your ideal credit card on SingSaver!
Frequently asked questions about the best credit cards for food delivery
Can I earn rewards for all food delivery apps?
It depends on the specific credit card. Some cards offer rewards across most online transactions, while others might have specific partnerships or categories (like "dining") that include food delivery. Always check the card's terms and conditions.
Are there spending caps I need to watch for?
Yes, most credit cards have monthly or annual spending caps on the amount of rewards you can earn. Be sure to understand these limits so you can maximise your returns without being caught out.
Do payment wallets affect rewards?
Sometimes, yes. Some cards might offer different rewards depending on whether you pay directly or via a digital wallet like GrabPay or PayLah!. For example, a card might offer a higher cashback rate for online transactions, which could include topping up your GrabPay wallet used for GrabFood.
Is food delivery considered online or dining?
It can be either, depending on how the merchant is coded (their MCC). Some banks might categorise online food delivery as "online retail," while others might see it as "dining." This is why understanding MCCs can be helpful.
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SingSaver Team
At SingSaver, we make personal finance accessible with easy to understand personal finance reads, tools and money hacks that simplify all of life’s financial decisions for you.