Best Credit Cards for Food & Dining in Singapore
Finding the right credit card for food and dining can significantly boost your miles earnings. This guide breaks down the best cards for food and dining in Singapore based on Merchant Category Codes (MCC).
1. UOB Lady's Card - Best Overall for Food & Dining
Rewards Rate: 4 MPD = 10X UNI$ for dining purchases Key Benefit: Earns 4 MPD on food and dining categories including:
- Restaurants (MCC 5812)
- Fast Food (MCC 5814)
- Caterers (MCC 5811)
- Misc Food Stores (MCC 5499)
Best For: People who want excellent rewards on dining with straightforward MCC coverage. You must choose Dining as one of your bonus categories. The card offers a monthly cap of S$1,000 (Lady's Card) or $750 (Lady's Solitaire) per calendar month. Can be further buffed with the UOB Lady's Savings Account. Lady's Card has only 1 category while Lady's Solitaire has 2 categories, albeit a smaller cap per category
Annual Fee: S$192.60 (waived first year)
2. HSBC Revolution Card - Best for Wide Dining Coverage
Rewards Rate: 4 MPD = 10X Reward Points for dining purchases Key Benefit: Earns 4 MPD on the widest range of dining categories including:
- Restaurants (MCC 5812)
- Bars & Nightclubs (MCC 5813)
- Caterers (MCC 5811)
- Bakeries (MCC 5462)
- Candy & Confectionery Stores (MCC 5441)
Best For: People who want the most comprehensive dining coverage. The HSBC Revolution covers bars and bakeries which the UOB Lady's Card doesn't. However, from 15 July 2024, it only awards bonuses for online transactions, which limits its usefulness for in-store dining. Monthly cap of S$1,000 per statement month on local contactless spend.
Annual Fee: S$192.60 (waived first year)
Go here to check which MCC gives the best miles for these 2 cards. Or here to see what are the MCCs for a particular merchant.
Key Differences Between Cards
UOB Lady's Card:
- ā Covers fast food (MCC 5814) and misc food stores (MCC 5499)
- ā Does NOT cover bars (MCC 5813) or bakeries (MCC 5462)
- Must choose Dining as bonus category
HSBC Revolution:
- ā Covers bars (MCC 5813) and bakeries (MCC 5462)
- ā Does NOT cover fast food (MCC 5814) or misc food stores (MCC 5499)
- From 15 July 2024, only online transactions earn bonuses
Last Updated: February 2026 | This guide reflects current credit card rewards programs and MCC codes as of February 2026. Terms may change. Always check with the issuing bank for the latest rewards structure.