Food delivery in SG averages S$15-25 per order and ~5-10 orders per month for active users — adding up to S$1,200-3,000 a year. The right card pays 6-8% on this category (vs 1% base rate on most), recovering S$70-200 a year just on delivery alone.
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 — freeFor cashback: Maybank Family & Friends pays 8% on food delivery (one of the 5 selectable categories, min S$800/mo). UOB Preferred Visa pays 5% on online including food delivery. Trust Cashback Card pays 15% on a single user-selected category — pick Food Delivery if it's your top spend.
Often overlapping. Restaurant MCCs (5811-5814) cover both dining and delivery. Some cards treat them identically; some (Maybank F&F, OCBC 365) have separate "Food Delivery" and "Dining" tiers with shared or separate caps. Check the specific tier structure.
Yes — the delivery service fee, tip, and food cost all charge to the card as one merchant transaction under the same MCC. Cashback is calculated on the total charged.