2021 Edition: What are the 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.

With dining-in on hiatus till June 13 at least, it looks like we’re all going to be ordering a lot more food delivery for the foreseeable future. If it’s any silver lining, 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?

Food Delivery Platform

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

However, it gets a bit more tricky when dealing with the smaller players. Some of these 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). 

Platform MCC
AirAsia Food 5812, 5814
Bungkus 5499
Buy4U 4214
Capita3eats 5812
Changi Eats 5734
Chope 5812
Deliveroo 5812, 5814
Deliver.sg 5817
foodpanda 5812, 5814
GrabFood 5812, 5814
Hungryy 5817
Myfood.sg 7372
PickUpp 5734
WhyQ 5499, 5812, 5814

The above is my best guess attempt, based on a mixture of personal experience and the Visa Supplier Locator. 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. 

Restaurant

If you’re ordering through the restaurant directly, the MCC will be one of the following:

  • 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 will be processed under 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
Card Earn Rate Cap
DBS Woman’s World Card 4 mpd S$2K per
c. month
Citi Rewards 4 mpd S$1K per
s. month
C. Month= Calendar Month | S. Month= Statement Month
⚠️ 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.

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

🍽️ 4 mpd on Specific MCC/ Merchants 
Card Earn Rate Cap Conditions
Citi PremierMiles
(Details)
4 mpd No cap until 31 Aug 2021 Deliveroo, foodpanda, GrabFood, Oddle, WhyQ
Citi Prestige
(Details)
UOB Pref. Plat. Visa 4 mpd S$1.1K per
c. month
MCC 5811, 5812, 5814, 5499, 5441, 5462,
UOB Lady’s Card 4 mpd* S$1K per
c. month
MCC 5811, 5812, 5814, 5499
UOB Lady’s Solitaire 4 mpd* S$3K per
c. month
HSBC Revolution 4 mpd S$1K per
c. month
MCC 5441, 5462, 5499, 5811, 5812, 5813, 5814
Maybank Horizon Visa 3.2 mpd# S$4.3K per c. month MCC 5812
AMEX KrisFlyer Ascend 3.2 mpd S$200 per c. month GrabFood
AMEX KrisFlyer Credit Card 3.1 mpd S$200 per c. month GrabFood
KrisFlyer UOB Card 3 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 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.

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?

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