Miles vs Cashback

Best Credit Cards for Party Animals

If your spending skews to dining, bars, entertainment and online bookings, pick a card that rewards those categories. Mind the monthly caps — bonus rates usually stop after a spend ceiling.

  1. 1
    Rewards points

    Why it fits: Strong rewards on online and contactless spend — great for app bookings and tap-to-pay nights out.

    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 →
  2. 2
    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 →
  3. 3
    Cashback

    Why it fits: Solid everyday cashback spanning dining and entertainment when you hit the spend tiers.

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

    Pros

    • +Up to 20% cashback on dining, groceries, transport, online
    • +~10% cashback on the ongoing standard tier
    • +Visa-based, so wide acceptance in SG and overseas
    • +First-year annual fee waived

    Cons

    • −Annual fee S$196.20 from year two onwards
    • −Top rates need consistent minimum quarterly spend, not flat
    • −Headline 20% is spend-tiered + partly a new-customer boost
    Full breakdownOfficial site →

Frequently asked questions

Which card is best for dining and going out in Singapore?
One that rewards dining, entertainment and contactless/online spend — exactly where nights out land. Compare the bonus categories and monthly caps against your typical spend.
Do dining cashback rates have a cap?
Usually yes — bonus cashback typically applies up to a monthly cap and often needs a minimum spend, after which you drop to a base rate.
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