2026 Edition: Best Credit Cards for Food Delivery
This guide evaluates the best credit cards for food delivery services in Singapore for 2026. It provides advice on maximizing rewards, understanding Merchant Category Codes (MCCs), and navigating changes in bank bonus structures.
Why it matters
Financial literacy regarding credit card rewards helps consumers optimize their spending and maximize cashback or miles in an inflationary environment.
Food delivery has become an essential part of everyday life, and if you’re going to spend on it anyway, you might as well earn some miles while you’re at it.
In this guide, we’ll look at how food delivery platforms typically code, which cards offer the highest earn rates, and how to stack additional rewards through platforms like HeyMax.
With the exit of Deliveroo in March 2026, there are basically three food delivery options left in Singapore.
FoodPanda and GrabFood have historically used MCCs 5812 and 5814, but have progressively migrated to 5814 in recent years (probably because of the preferential fees offered for this MCC, which in any case have been sunset ). Oddle Eats may still code as 5812 or 5814, depending on the situation.
Larger fast food players like McDonald’s and Domino’s run their own delivery services, which code as MCC 5814.
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