YouTrip is running a new dining cashback promo for YouTrip cardholders. Spend on food and beverages during the campaign period to earn cashback, subject to a minimum spend and a participant cap.
Don’t have a YouTrip card? Sign up through my referral link to get a S$5 reward.
Up to 4% Cashback on Dining
From 8 Jul to 4 Aug 2026, earn up to 4% cashback on dining when you spend at least S$200 on food and beverages with your YouTrip card.
Here are the key promo terms:
- Promo period: 8 Jul – 4 Aug 2026
- Cashback: S$8 (max. 4%)
- Minimum spend: S$200 during promo period
- Registration: Required via the YouTrip app (see below)
- Limitation: First 8,000 participants on a first-come, first-served basis
- Crediting: Cashback credited to your YouTrip wallet by 4 Sep 2026; cannot be transferred to another wallet or account
How to register?
To participate, register via your YouTrip app as follows:
- Tap on ‘Perks’
- Tap on the promo banner
- Tap on ‘Join Now’
Eligible Dining MCCs
⚠️ Warning: Smaller restaurants (especially in Japan) may have strange MCCs totally unrelated to dining. The good news is that you can track eligible dining spend for this promo via the YouTrip app (as shared above).
Here are the eligible Merchant Category Codes (MCCs) for this promo:
| MCC | Category |
| 5811 | Caterers |
| 5812 | Eating Places & Restaurants |
| 5813 | Bars, Taverns, Cocktail Lounges, Nightclubs |
| 5814 | Fast Food Restaurants |
| 5462 | Bakeries |
Is this a good promo?
YouTrip markets this promo as “4% cashback”, but in reality, you’ll only receive exactly 4% cashback when you spend exactly S$200 on dining. With this promo, users receive a fixed, one-time S$8 reward when they spend at least S$200 on dining, a 4% cashback in the best-case scenario.
As the YouTrip Card comes with zero FX fees, this promo is best used towards overseas dining, as it can give you a bigger net gain of up to 4% compared to most credit cards, which come with a 3.25% FX junk fee.
Related: Best credit cards for Dining
Weekly Instagram lucky draws
Alongside the cashback, YouTrip is running weekly lucky draws over the campaign period, with prizes including dining gift cards, a buffet-for-two experience and YouTrip credits. Winners are drawn at random from eligible participants about a week after each giveaway date. See @YouTripSG on Instagram for details.
Is the YouTrip Card good?
The YouTrip Card is best used for free overseas ATM cash withdrawals and foreign currency transactions (zero FX fee).
However, unlike credit cards, YouTrip cardholders can’t usually earn rewards like cashback or miles on their spending, unless there’s a promotion like this one.
As a debit card, it has no income requirement, making it great for students and retirees. However, without a promo, it’s less rewarding than the Mari Debit Card, which awards 0.5% cashback on foreign currency spending until 31 Dec 2026.
Here’s a detailed look at the YouTrip Card:
More information
Key details of the YouTrip Card
Ease of use :
Minimum annual income: Nil
Annual fee: No annual fee, ever
Free overseas ATM cash withdrawals, up to S$400 per calendar month
No minimum spending
No foreign transaction fees
⚠️ Requires adequate funds in the YouTrip wallet
⚠️ 2% ATM withdrawal fee upon exceeding the monthly limit
🎁
Terms and conditions
Here are the terms and conditions of this YouTrip dining promo:
Overview of Campaign
The YouTrip July Dining Campaign (the “Campaign”) lets eligible YouTrip account holders earn a cashback reward on their dining spending. Spend at least S$200 in any currency on food & beverages during the Campaign Period to receive 4% cashback, capped at S$8 (the “Cashback Reward”) – available to the first 8,000 eligible participants.
The Campaign runs from 8 July 2026 to 4 Aug 2026 (the “Campaign Period”). We may extend, change, or end the Campaign at any time at our discretion.
These terms and conditions (the “Terms”) set out what you need to know about the Campaign and govern the relationship between you (as a participant) and us, You Technologies Group (Singapore) Pte Ltd (“YouTrip”, “we”, “us”, “our”).
Who is eligible to participate in the Campaign?
To take part in the Campaign and qualify for the Cashback Reward (“Eligible Participant”), you must have an active YouTrip account in good standing, and must not be an employee and/or contractor of YouTrip and its affiliates.
We reserve the right to determine eligibility at our discretion and may disqualify you if we find you have breached these Terms or any other terms that apply to your account.
How do I participate in the Campaign?
Conditions to earn the Cashback Reward (“Conditions”):
- Tap on the Promo banner on your YouTrip app homepage and click ‘Join now’ to opt in; then
- Spend at least S$200 in any currency on food & beverages (your “Qualifying Transactions”) using your YouTrip account during the Campaign Period. Your Qualifying Transactions must be genuine – any transactions that are refunded, reversed, cancelled, or otherwise invalidated will not count towards your total. For the avoidance of doubt, only transactions made with the following Merchant Category codes (“MCC”) will count towards the Qualifying Transactions and will be eligible for the Cashback Reward:
- 5811: Caterers
- 5812: Eating Places & Restaurants
- 5813: Bars, Taverns, Cocktail Lounges, Nightclubs
- 5814: Fast Food Restaurants
- 5462: Bakeries
For the avoidance of doubt, any transactions made with the following MCCs shall not count towards the Qualifying Transactions and shall not be eligible for the Cashback Reward:
- 6300: Insurance Sales, Underwriting and Premiums
- 6381: Insurance – Premiums
- 3429: Insurance Rent-A-Car
- 5960: Direct Marketing Insurance Services
If you are among the first 8,000 Eligible Participants to meet all the Conditions above, you’ll receive 4% cashback on your cumulative dining spend during the Campaign Period, capped at S$8. Your cashback will be automatically credited to your YouTrip wallet by 4 September 2026. The cashback is yours personally and cannot be transferred to another YouTrip wallet or account.
What else should I know?
- Your participation in this Campaign is subject to these Terms as well as YouTrip’s General Terms and Conditions, available at www.you.co.
- All rewards under this Campaign are non-refundable, non-transferable, and non-exchangeable.
- We reserve the right to refuse or claw back any rewards where we believe there has been fraud, abuse, or a breach of these Terms. This includes use of false or duplicate identities, bots, fake social media accounts, or any other dishonest conduct.
- If we reasonably believe you have breached these Terms or other terms applicable to your account, you authorise us to deduct any cashback credited to your account as a result of this Campaign.
- YouTrip, our affiliates, and representatives will never ask you for your one-time password (OTP) or full card number. We may request your Y-number for verification purposes only – this cannot be used to make transactions.
- We may change these Terms, or change, suspend, or stop the Campaign at any time and at our sole discretion.
- By participating in this Campaign, you agree to these Terms and agree to receive communications from us via email, phone, SMS, and app notifications in line with our Privacy Policy at www.you.co.
- These Terms are governed by the laws of Singapore, and any disputes will be subject to the non-exclusive jurisdiction of the courts of Singapore.
