Dining is a top-3 monthly category for most SG wallets. The right card pays 6-8% cashback or 3-4 mpd on restaurant spend (MCC 5811 Caterers, 5812 Eating Places, 5813 Bars, 5814 Fast Food). Most cashback cards in this segment cap at S$80/cycle; selectable-category cards may stretch higher if you commit to Dining as your locked category.
HSBC
8 mpd (20 RP per S$1) on Eligible Transactions for HSBC Everyday Global accountholders with ≥ S$50K balance (Mar 2026 restoration per Milelion 2026 strategy). Categories and S$1,000 cap mirror hsbc-11-bonus-1; relationship gate enforced by engine filterRatesMapByRelationship — rate is dropped when userProfile.bank_relationships doesn't include 'hsbc_ega_50k'.
Trust
Applies only to ONE category you select (locked per quarter). Requires S$2,000/mo eligible spend to unlock.
15% on user-selected preferred category at S$2,000/month min for 3 consecutive months. Quarterly cap S$250 (~S$83/cycle). Quarterly category lockup. From 1 Mar 2026: $1k/10% tier removed.
UOB
Applies only to ONE category you select (locked per quarter).
10X UNI$ per S$5 (UNI$10 = 4 miles per S$1) on user-selected Preferred Rewards Category. Cap 1,800 UNI$/mo bonus = S$1,000/mo of qualifying spend (cap_unit=spend). User selects ONE category quarterly. Categories: Beauty (5912/5977/7230/7231/7298/7297), Dining (5811/5812/5814/5499), Entertainment (5813/7832/7922), Family (5411/5641), Fashion (5311/5611-5699/5948), Transport (4111/4121/4789/5541/5542), Travel (airlines+hotels). Engine matches optimistically — actual user only earns 4 mpd on currently-selected category.
These are the objective top picks. Perqa narrows them to the cards in your wallet and tracks your spend so you always use the right one.
Try Perqa — free5811 (Caterers), 5812 (Eating Places & Restaurants), 5813 (Drinking Places & Bars), and 5814 (Fast Food). Dining-category bonus cards match all four. Some cards (UOB Lady's on certain selectable categories) carve out specific subsets.
Mixed. Hawker stalls that accept card payments typically register under MCC 5814 (Fast Food) — matches dining-category. But many SG hawker stalls are cash-only or use Nets / PayNow, so the dining card discussion is moot.
Most SG dining cards pay flat rate any day. Some exceptions: UOB Lady's on certain selectable categories may have weekday-only tiers; AMEX True Cashback pays flat 1.5% so no calendar restriction. Read the rate row carefully.