Dining out is part and parcel of everyday life in busy Singapore, with recent studies highlighting that 91% of locals eat out at least once a week, regularly spending up to $30 on each dinner. Spending your hard-earned moolah on good food is one of life’s little pleasures but it can eat into your budget if it’s an everyday habit. If you’ve been manifesting a way to save money without having to kick your regular McDonald’s and Starbucks habit, we’re here to tell you that you can have your McSpicy and eat it too, thanks to Standard Chartered’s (SC) Smart Credit Card.
The SC Smart Credit Card is designed to help you turn your everyday spending—including your dining habits—into more cashback opportunities.
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There are a fair number of seasoned cashback credit card users at the Eatbook office, and we can testify to the fact that the SC Smart Credit Card is a cut above market offerings, especially if you dine out as much as we do.
With a minimum spend of $800 during your statement cycle, you get to unlock up to 8% cashback at a bonus selection of popular dining, streaming, and transport merchants. That threshold increases to 10% when you spend over $1,500, with no cap on monthly cashback overall.
Plus, with its $91+ annual fee waived for new Cardmembers in the first year, it is one of the more affordable cashback credit cards to have in your arsenal.
Here are all the Smart Dining merchants that will get you up to 10% bonus cashback for your spend.
Coffee addicts, feel seen with the SC Smart Credit Card’s ability to get you up to 10% bonus cashback at Starbucks. Supplement the perks from your membership rewards programme with this cashback offer, making each iced oat milk latte you buy less of a pinch. The cashback also extends to food and merch, which means you can ignore all the naysayers when you cop another Starbucks x Stanley collab to add to your collection. You’re saving, after all.
Team Coffee Bean, you’re not left out of the equation. The same cashback rules apply on all spends at this equally beloved Californian coffee chain. Aside from their hot and cold coffees, Coffee Bean also has hot breakfast sets from $7.90 to start your day on a high note. Come lunch and dinner, enjoy cashback on hot food such as pizza and pasta at select outlets.
Local coffee loyalists will be happy to know that this credit card also extends the same benefits to your morning cuppa—and breakfast sets—at beloved local chains such as Ya Kun Kaya Toast. Whether you’re a Set A diehard or a controversial steamed bread, AKA Set F fan, the SC Smart Credit Card helps you save a tenth of your breakfast spend.
With a whopping 80 outlets islandwide, chances are a Toast Box isn’t far from your home or your office. Besides being a popular spot for Nanyang coffee and kaya toast, Toast Box is well-known for their range of cooked local delights, ranging from their hearty Chicken Curry to their aromatic Laksa. Courtesy of the SC Smart Credit Card, you can get up to 10% bonus cashback on your Toast Box buy. That means more coffee, more comfort food, and more savings.
McDonald’s is Singapore’s largest fast food brand, and for good reason. Beyond its consistent quality, affordable prices, and regular rotation of seasonal specials, you can’t fault locals for staying true to the Golden Arches. Given that McDonald’s is on the SC Smart Credit Card’s list of bonus cashback merchants, you’ll have all the more reason to say, “I’m lovin’ it”.
If a delicious bucket of fried chicken is your love language, you’ll be happy to know that the SC Smart Credit Card entitles you to cashback perks on all your KFC spend. Whether you’re grabbing a two-piece meal or an eight-piece Family Feast, sweeten the deal with up to 10% bonus cashback on your order.
We know, we know, fast food shouldn’t be an everyday affair. We think popular sandwich franchise Subway is exempt, though, thanks to the fact that each sub you get comes loaded with your choice of greens. If a Subway meal is your daily driver, you’ll be pleased to know the chain falls under SC’s Smart Dining repertoire.
Burger King champions, we see you, and so does Standard Chartered. With the SC Smart Credit Card, your next Whopper and onion rings combo will technically cost you up to 10% less at the end of the month. There’s your excuse to add on that Hershey’s Sundae Pie.
Pizza is always an easy pick for group meals, or for nights when you’re too tired to cook for the family. Pizza Hut is one of the two pizza merchants on the Smart Dining list, so you know who to call the next time you want to feed a crowd, fuss-free.
Domino’s is the other pizza franchise that gets you cashback when you pay for your order with a SC Smart Credit Card. Dig into its wide array of halal-certified pizzas, including its ultra-popular Hawaiian Paradise flavour. If pineapple on pizza makes you flinch, consider their Classified Chicken and Classic Pepperoni flavours.
Image credit: Standard Chartered
Besides cashback deals at SC’s Smart Dining merchants, the SC Smart Credit Card is also your gateway to a slew of SC-exclusive dining deals. While these deals are seasonal, SC’s dining merchants include the likes of SKIRT, Ginza Sushi Ichi and plenty more. Enjoy up to 20% off your dining bill at these participating restaurants thanks to SC’s The Good Life Privileges.
Returns on your dining spend are just one of the many cashback benefits this credit card offers. You can also reap the same up to 10% cashback on your bus and MRT fees via SimplyGo, and on eight streaming services, from Netflix and YouTube Premium to Viu and iQIYI.
From now to 30 June 2025, sign up for the SC Smart Credit Card via the link below to get a Samsonite MODUS Spinner 25” Luggage (worth $610) and $100 cashback. Terms and conditions apply.
This post is brought to you by Standard Chartered.
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