What are the best cards for online food delivery?

Don't leave miles on the table when ordering food- here's what credit cards to use.

With the circuit breaker extended until June 1, it looks like we’re all going to be ordering food delivery for the foreseeable future. Fortunately, there’s no shortage of options to choose from.

Now, I’m not here to debate the relative merits of ordering through a delivery platform versus the restaurant itself. That’s been discussed to death over the past few weeks, with much ink spilled. Which side you lean towards is up to you- I’m just here to recommend the cards to use.

Before that, there are two questions you need to address.

What’s the MCC of your food delivery?

The MCC depends on how you order food. If you order through a food delivery platform, the MCC will almost certainly be 5499.

⚠️ Update: It’s been brought to my attention that Deliveroo transactions code as 5812, not 5499. This doesn’t change much, suffice to say you could also use the Maybank Horizon or UOB Preferred Platinum AMEX to earn bonus points

MCC 5499 is used by Deliveroo, GrabFood, Foodpanda, WhyQ, and Grain, to name a few.

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If you order through the restaurant directly, the MCC will be one of the following:

  • MCC 5811: Caterers
  • MCC 5812: Eating Places and Restaurants
  • MCC 5813: Bars, Cocktail Lounges, Discotheques, Nightclubs, and Taverns
  • MCC 5814: Fast Food Restaurants
Orders made through Oddle will be processed under the MCC of that particular restaurant. 

The MCC distinction is important, because there may be some cards which reward restaurant dining, but not food delivery (e.g Maybank Horizon Visa Signature).

Is the transaction processed offline or online?

With food delivery platforms, there’s no question. Your order will be processed online, end of story.

It can be slightly more dicey with restaurants. Most of the time, restaurants with website ordering systems should be processing the transaction online. However, you can’t rule out the possibility that they may capture the card details online and manually process the transaction offline. A good rule of thumb is that if you have to enter an OTP, the transaction is processed online. That said, the absence of an OTP is inconclusive- I’ve encountered situations where transactions were processed online despite the lack of an OTP.

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Again, the distinction is important because certain cards (e.g DBS Woman’s World Card, Citi Rewards) award 4 mpd on online transactions only.

What cards should I use?

Evergreen

The following cards will earn you up to 4 mpd on food delivery, throughout the year.

Earn RateConditions*
DBS Woman’s World Card4 mpd≤S$2K per
c. month, must be online
Citi Rewards4 mpd≤S$1K per
s. month, must be online
UOB Pref. Plat Visa4 mpd≤S$1.1K per
c. month, must be online
UOB Lady’s Card4 mpd#≤S$1K per
c. month
UOB Lady’s Solitaire4 mpd#≤S$3K per
c. month
Maybank Horizon Visa Signature3.2 mpd≥S$300 per c. month, restaurants only
AMEX KrisFlyer Ascend3.2 mpd≤S$200 per c. month, GrabFood only
AMEX KrisFlyer Credit Card3.1 mpd≤S$200 per c. month, GrabFood only
KrisFlyer UOB Credit Card3 mpd≥S$500 on SIA-group trxns in a m. year. No cap
HSBC Revolution2 mpd No cap, must be online
*C. Month= Calendar Month | S. Month= Statement Month | M. Year= Membership Year
#Must select dining as quarterly 10X category
Take particular care with the Citi Rewards card. The Visa version has no issues with 10X on online food delivery, but Mastercard users have reported not getting 10X with Foodpanda & Deliveroo.

With the DBS Woman’s World Card, Citi Rewards, UOB Preferred Platinum Visa, and HSBC Revolution, the transaction must be processed online.

With the UOB Lady’s Card and Lady’s Solitaire Card, you’ll earn 4 mpd so long as you chose dining as your quarterly 10X category, regardless of whether the transaction is processed online or offline.

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The AMEX KrisFlyer Ascend and KrisFlyer Credit Card only earn bonus miles on GrabFood transactions, and the Maybank Horizon Visa Signature only on deliveries under MCC 5812 (i.e no fast food).

Card Promotions

In addition to the evergreen cards, the following cards are running limited-time promotions for bonus miles on food delivery.

Earn RateConditions
OCBC Titanium Rewards8 mpd≤S$500 of eligible trxns from 15/4-31/5. Reg required. Deliveroo & Foodpanda only
UOB PRVI Miles AMEX3 mpd≥ S$2.5K on eligible trxns from 1/4-30/6, capped at S$5K
UOB PRVI Miles Mastercard & Visa3 mpd≥S$2K on eligible trxns from 17/4-31/7, capped at S$3.5K. Reg required
DBS Altitude AMEX & Visa2.4 mpd Min spend & cap varies by user. From 3/3-30/6. Reg required. Must be online

Do note that the OCBC Titanium Reward’s promotion is for Deliveroo and Food Panda only, and transactions on the DBS Altitude must be made online.

Conclusion

In addition to using the right card, be sure to check banking apps like UOB Mighty and DBS Lifestyle for food delivery coupons. These pop up with some regularity, and usually apply to both new and existing customers.

For other cards you may require during this stay-home period, be sure to check out the stay-home credit card guide.

Aaron Wong
Aaron founded The Milelion with the intention of helping people travel better for less and impressing chiobu. He was 50% successful.

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Michael

My Citibank rewards MC doesn’t give me 10X points for Foodpanda, Deliveroo and Redmart. Every month I have to call and argue with the CSO for point adjustments even though they have already done it many times before. And the bank says they can’t fix this because for some reason the online apps MCC are not Online. Really frustrating for me, I’m considering to cancel this card. Anyone else experiencing the same issue?

Dave

I’d counter with “Don’t pay the food delivery company directly”.

My way to go:

Shopback (1-4%) -> Shopee -> Foodpanda 12% off (or Grab 15% off but their delivery fees are all over the place) -> 4mpd CC (=7.2%)

Vouchers are issued instantly for a total of 20-25% off. Works with the OCBC card for 8mpd as well, but I haven’t pulled the trigger yet 🙂

tcmeanN

That’s exactly what I did for most of the time unless there is a good discount voucher to use.

bent

thanks for the tip!

Timothy

I have been using the shopee > Grabfood voucher for 8mpd. You can also use this for Grab rides. Since using your ocbc titanium card on Grab directly won’t earn you 8mpd.

Adam

How about the unicorn card?

Alex

Anyone has experience paying for online delivery via the Getzpay mode? Is it considered an online transaction? Thinking of using Dbs women world

eric

Aaron, if there is a problem with Citi Rewards MC for deliveroo, food panda, etc. in getting 4 miles per dollar, does it happen to DBS WWMC too since it is also a MC version?

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