Miles vs Cashback

Best Credit Cards for Cafe Hoppers

If dining and cafes are your biggest discretionary spend, a card with strong dining rewards pays off fastest. Just watch the minimum spend and monthly cap on the bonus rate.

  1. 1
    Cashback

    Why it fits: High cashback on dining and food delivery.

    Annual fee S$196.20 · Min income S$30,000

    Pros

    • +Strong everyday cashback: 5% dining/food delivery, 3% groceries
    • +Up to 6% cashback on petrol
    • +Annual fee waived first 2 years, then on S$10k yearly spend
    • +Cashback covers food delivery, not only dine-in

    Cons

    • −Needs roughly S$800/mo spend to earn bonus cashback
    • −Monthly cashback cap limits how much you can earn
    • −S$196.20 annual fee if yearly spend stays under S$10k
    Full breakdownOfficial site →
  2. 2
    Cashback

    Why it fits: Strong cashback on dining and groceries.

    Annual fee S$196.20 · Min income S$30,000

    Pros

    • +8% cashback on petrol and private commute
    • +6% cashback on dining and groceries
    • +First-year annual fee waived (S$196.20 thereafter)

    Cons

    • −S$196.20 fee from year 2; needs ~S$800/mo min spend
    • −Monthly cashback cap limits total rewards earned
    • −Only 0.2% base rate outside narrow bonus categories
    Full breakdownOfficial site →
  3. 3
    Rewards points

    Why it fits: No fee, and rewards dining and contactless spend you tap at the counter.

    No annual fee · Min income S$65,000

    Pros

    • +No annual fee, permanent — no waiver to chase
    • +Up to 4 mpd (10X points) on online/contactless spend
    • +Beginner-friendly, simple day-to-day
    • +Rewards points convertible to miles via Visa

    Cons

    • −4 mpd capped at ~S$1,000/month spend
    • −High rate limited to eligible online/contactless spend
    • −Low base earn ~0.4 mpd on everything else
    Full breakdownOfficial site →

Frequently asked questions

What card gives the most cashback on dining in Singapore?
Several cards lead on dining cashback, but the right one depends on your other spend and whether you hit the minimum. Compare dining rates, caps and minimums for your situation.
Does cafe and food-delivery spend count for dining cashback?
Often, but not always — some cards include food delivery, others only in-store dining. Check the category definitions before relying on it.
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