2022 Edition: Best Credit Cards for Food Delivery

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

If you’re looking for ways to earn bonus miles on food delivery, you’ve come to the right place. There’s no shortage of cards you can use to rack up 4 mpd on such transactions. 

💳 What’s the Best Card for…
This guide forms part of the “best card” series. Check out other category specific guides below, or the overall guide here.
💗 Charitable Donations | 🏫 Education | 🥡 Food Delivery | 🏥 Hospital Bills | ☂️ Insurance  | ⛽ Petrol | 🚍 Public Transport| 🚰 Utilities Bills

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

What MCC does food delivery come under?

Ordering via Food Delivery Platform

If you’re ordering through one of the major food delivery platforms like GrabFood or Deliveroo, food delivery typically codes as MCC 5812/5814. 

However, it gets a bit more tricky when dealing with the smaller players. Some will code as logistics companies or digital services, presumably because they’re courier platforms which later pivoted to food delivery (e.g. Maxima Logistics, which runs the Deliver.sg website). 

PlatformMCC
AirAsia Food5812, 5814
Bungkus5499
Buy4U4214
Capita3eats5812
Changi Eats5734
Chope5812
Deliveroo5812, 5814
Deliver.sg5817
foodpanda5812, 5814
GrabFood5812, 5814
Hungryy5817
Myfood.sg7372
PickUpp5734
WhyQ5499, 5812, 5814

The above is my attempt at a best guess, based on a mixture of personal experience and the Visa Supplier Locator (now defunct). The specific MCC won’t really be an issue so long as you use a card that awards 4 mpd on all online transactions, however. 

Ordering via restaurant

If you’re ordering through the restaurant directly, the MCC could be any of the following:

  • MCC 5441: Candy, Nut and Confectionery Stores
  • MCC 5462: Bakeries
  • MCC 5499: Misc. Food Stores
  • MCC 5811: Caterers
  • MCC 5812: Eating Places and Restaurants
  • MCC 5813: Bars, Cocktail Lounges, Discotheques, Nightclubs, and Taverns
  • MCC 5814: Fast Food Restaurants

Do note that orders made through Oddle are similar to ordering directly from the restaurant i.e. they’ll follow the MCC of that particular restaurant. 

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.

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 for dining?

The following cards will earn up to 4 mpd on all online transactions, including food delivery. They’re the simplest options because you don’t need to worry about specific MCCs. 

🖥️ 4 mpd on all Online Transactions
CardEarn RateCap
DBS Woman’s World Card4 mpdS$2K per
c. month
Citi Rewards4 mpdS$1K per
s. month
C. Month= Calendar Month | S. Month= Statement Month
⚠️ Citi Rewards: Don’t use in-app mobile payments!
If you have the Citi Rewards Card, be careful not to pay in-app via a mobile wallet like Apple or Google Pay. These transactions will only earn 0.4 mpd and not 4 mpd. 

The following cards can also earn up to 4 mpd on food delivery, but you need to be a bit more careful with the MCCs and specific platforms supported. 

🍽️ 4 mpd on Specific MCC/ Merchants 
CardEarn RateCapMCCs
UOB Pref. Plat. Visa4 mpdS$1.1K per
c. month
5811, 5812, 5814, 5499, 5441, 5462,
UOB Lady’s Card4 mpd*S$1K per
c. month
5811, 5812, 5814, 5499
UOB Lady’s Solitaire4 mpd*S$3K per
c. month
HSBC Revolution4 mpdS$1K per
c. month
5441, 5462, 5499, 5811, 5812, 5813, 5814
Maybank Horizon Visa3.2 mpd#S$4.3K per c. month5812
AMEX KrisFlyer Ascend3.2 mpdS$200 per c. monthGrabFood
AMEX KrisFlyer Credit Card3.1 mpdS$200 per c. month GrabFood
KrisFlyer UOB Card3 mpd^ No cap
Deliveroo, foodpanda, GrabFood
C. Month= Calendar Month | S. Month= Statement Month
*Must select dining as quarterly 10X category
#Min. S$300 spend per c. month on anything
^Must spend ≥S$300 on SIA Group per membership year

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.

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).

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.

Websites like SingSaver and Seedly keep a monthly compilation of food delivery promo codes as well. 

Aaron Wong
Aaron founded The Milelion to help people travel better for less and impress 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.

Warung Buffet

You get a bigger discount on Shopback for food delivery vouchers 8-10%

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?

Kyle

Based on DBS virtual assistant, I found out the following (as of 8 July 2020) with WWMC:
Deliveroo & Grabfood – MCC 5814
Foodpanda – MCC 5812

My recent transactions on Grabfood & Foodpanda earned 10x on CRMC. Seems like there are different outcomes for different people using CRMC for these merchants.

John

For Odddle, would DBS Womens card get 4mpd, as it is processed via stripe online or would HSBC Revo be the better one?

Alvin

I’m not sure if there has been changes to the MCC recently, but WWMC does not award 4mpd for WhyQ. The CSO claims that it is under professional services.

Alvin

Thanks for checking. The last I used was in Aug 2020. Prior to that, I had to appeal every month and finally in Sep 2020, they claimed it was coded under Professional Services and refused my appeal. From then on, I stopped using WWMC for WhyQ.

Avery

What about HSBC revolution?

Luke

OCBC 365 is now processing orders placed via Oddle via MCC 5734 and no longer under the MCC of that particular restaurant (usually 5812). This means cardholders no longer qualify for dining rebates.

Anyone experience similar issues with Oddle transactions?

WangJH

I just gotten the same response from Citibank. A recent Sept Oddle transaction is processed as MCC 5734 and no longer counted as dining.

Do take note of the above!

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