36 yuu Points per S$1 when you pair the yuu card with the yuu app at a yuu merchant.
Cashback Overseas
0.5 %
info
1x yuu Point per S$1
Min. Annual Income
S$ 30,000
Annual Fee
S$ 196.2
info
First Year Waived
Offer Available
Welcome Offer
S$388 cashback
Valid until
31 May 2024
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Things to consider for this product:
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Supermarket rebate
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Dining rebate
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Rebate cap applied
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Monthly spend required
Up to 36X Points on yuu participating merchants.
1X Point on all other spend.
S$1 spend = 1 yuu Point. No limit. No cap.
Customers need to download the new rewards app as yuu Points awarded can only be tracked on yuu Rewards app.
Redemptions of yuu Points capped at 15,600 points (S$78) per calendar month.
Welcome Offer
Gift Options
S$388 cashback
Promotion is valid for new DBS/POSB credit cardmembers only
Apply for participating DBS/POSB credit cards with promo code 388CASH and make a min. spend of S$800 within 60 days of card approval to be eligible for reward
36 yuu Points per S$1 when you pair the yuu card with the yuu app at a yuu merchant.
Cashback Overseas
0.5 %
info
1x yuu Point per S$1
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 196.2
info
First Year Waived
2 Offers Available
Welcome Offer
S$388 cashback
Valid until
31 May 2024
Welcome Offer
S$60 cashback
Valid until
31 May 2024
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Things to consider for this product:
check
Supermarket rebate
check
Dining rebate
remove
Rebate cap applied
remove
Monthly spend required
Up to 36X Points on yuu participating merchants.
1X Point on all other spend.
S$1 spend = 1 yuu Point. No limit. No cap.
Customers need to download the new rewards app as yuu Points awarded can only be tracked on yuu Rewards app.
Redemptions of yuu Points capped at 15,600 points (S$78) per calendar month.
Welcome Offer
Gift Options
S$388 cashback
Promotion is valid for new DBS/POSB credit cardmembers only
Apply for participating DBS/POSB credit cards with promo code 388CASH and make a min. spend of S$800 within 60 days of card approval to be eligible for reward
Up to 10% cashback (up to 15% for new UOB credit cardmembers) on online shopping, groceries, health and beauty, convenience stores, transport, food delivery, utilities and more.
Up to 4.33% cashback on Singapore Power utilities bill.
Up to 3.33% cashback on all retail spend.
Petrol savings of up to 22.66% at Shell and SPC.
Greater savings with up to 7.8% p.a. interest with UOB One Account+.
Min. spend of S$500 / S$1,000 / S$2,000 per month (min. 5 purchases) for 3 consecutive months to earnadditional up to 5% cashback.
Awarding of cash rebate only comes every quarter.
Qualifying monthly spend for cash rebate has to be spread out across min. 5 different purchases.
Welcome Offer
Gift Options
S$350 cash credit
Promotion is valid only for the first 200 eligible new-to-UOB credit cardmembers per month during the promotional period
Make a min. spend of S$1,000 per month for 2 consecutive months from card approval date to be eligible for rewards
With minimum spending of S$600. On Online Shopping, Groceries, Beauty & Wellness, Pet Shops & Veterinary Services and Cruises only. Capped at $100 per statement month.
Cashback Overseas
0.2 %
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Unlimited 0.2% cashback on all other spends.
Minimum Annual Income
S$ 30,000
Annual Fee
No Annual Fee
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For all Principal and Supplementary cards.
Offer Available
Welcome Offer
Up to S$188 Cashback
Valid until
31 July 2024
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Things to consider for this product:
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Online shopping rebate
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Supermarket rebate
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Annual Fee waiver
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Rebate cap applied
10% cashback on online shopping, groceries, beauty/wellness, pet shops/veterinary services and cruises.
Unlimited 0.2% cashback on all other spend.
Complimentary travel insurance of up to S$500,000 when you charge your travel fares to this card.
No annual fees for life + up to 4 supplementary cards with no annual fees.
Minimum spending of S$800 in the statement month to qualify for 10% cashback.
10% cashback is capped at S$100 per statement month per principal cardmember and up to S$20 per category. Earn 0.2% cashback on all spend when you exceed the cashback cap.
Welcome Offer
Gift Options
Up to S$188 Cashback
Promotion is valid for new CIMB credit cardmembers only
Apply for select CIMB credit cards and make minimum spends to be eligible for reward:
Make a minimum spend of S$108 within 30 days of card approval date to receive S$88 Cashback
Make a minimum spend of S$988 within 60 days of card approval date to receive additional S$100 Cashback (S$188 total)
8% cash back on private commute and petrol spend and 6% cash back on dining and groceries spend. Minimum S$800 spend per statement month. S$80 combined cash back cap across all categories
Cashback Overseas
6 %
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8% cashback on petrol and private commute. 6% cashback on dining and grocery. 0.20% on all other retail spend. No minimum spend. S$80 combined cashback cap across all categories.
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 196.2
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First Year Waived
2 Offers Available
Rewards Upgrade Campaign
Receive premium rewards worth up to S$2,128
+ 3 other gift options
Valid until
02 June 2024
Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Valid until
15 May 2024
Best Deal Guarantee
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)
Valid until
15 May 2024
Best Deal Guarantee
Dyson V8 Slim Fluffy (worth S$509)
Valid until
15 May 2024
Best Deal Guarantee
S$400 eCapitaVoucher
Valid until
15 May 2024
Best Deal Guarantee
S$300 cash via PayNow
Valid until
15 May 2024
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Things to consider for this product:
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Dining rebate
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Supermarket rebate
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High-value gift
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Rebate cap applied
6% cashback on dining and grocery spending (local & overseas).
8% cashback on petrol and private commute (local & overseas).
Up to 20.88% savings at Esso and Shell, inclusive of 8% cashback for petrol spending.
Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card.
0.20% cashback for all other spending, even if you do not meet the min. monthly spend.
Min. monthly spend of S$800 required to earn bonus cashback.
S$80 combined cashback cap across all categories.
Rewards Upgrade Campaign
Gift Options
Receive premium rewards worth up to S$2,128; or
Apple Macbook Air 256GB 13 inch (M3 chip) (worth S$1,599); or
Promotion is valid for new Citi credit cardmembers only
Activate select Citi credit cards and make a min. spend of S$500 within 30 days of card approval, then top up an additional amount to be eligible for reward:
S$999 top up – Apple Macbook Air M3 13" 256GB (worth S$1,599)
S$999 top up – Apple iPhone 15 Pro 128GB (worth S$1,664.25)
S$1,488 top up – Samsung Galaxy S24 Ultra Titanium 12+512GB (worth S$2,128)
Reward Upgrade will replace SingSaver Exclusive promotional reward
With minimum spending of S$800 or S$1,600 per calendar month. Cashback capped at S$80 or S$160, depending on minimum spend.
Cashback Overseas
0.25 %
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 196.2
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First 2 Years Waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.
Things to consider for this product:
check
Petrol rebate
check
Dining rebate
check
Gift: Apple product
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Monthly spend required
6% cashback on fuel spend at all other petrol stations.
5% cash rebate on dining spends all day, everyday (includes local/overseas dining and online food delivery).
3% cashback on drugstore purchases, streaming service subscriptions and EV charging expenses.
3% cashback on groceries at supermarkets (both local and overseas) and online groceries.
3% cashback on private hire (Grab/Gojek) and taxi rides (both local and overseas).
3% cashback on recurring telco and electricity bills.
S$160 monthly cashback cap (up from S$80).
Up to 22.92% fuel savings at Caltex (incl. 18% instant discount for all fuel) and 6% cashback on fuel spend at all other petrol stations.
2-year annual fee waiver.
Earn up to 4.65% p.a. interest on first S$100,000 of OCBC 365 Account balance.
Great for homemakers, working adults, cashback lovers, enjoy flexibility over min. spend (S$800 or S$1,600), drive frequently
Read our full review of the OCBC 365 Credit Card.
High min. spend of either S$800 or S$1,600 per calendar month
Min. annual spend of S$10,000 from date of issue to qualify for automatic annual fee waiver.
S$80 monthly cashback cap with minium spend of $800.
S$160 monthly cashback cap with mininum spend of $1,600.
Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus cashback.
Interest on outstanding balance increased from 26.88% p.a. to 27.78% p.a.
Terms and Conditions :
Installment Processing Fee : From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
BOC Zaobao Credit Card
Cashback Local
1.5 %
info
No minimum spend and no cap on cashback earned.
Cashback Overseas
1.5 %
info
On retail spend
Min. Annual Income
S$ 30,000
Annual Fee
S$ 205.2
info
First Two Years Waived
Things to consider for this product:
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No rebate cap
check
Local spending rebate
check
Overseas rebate
check
Dining rebate
1.5% unlimited cash rebate on local and overseas retail spend with no minimum spend.
Up to 10% cash rebate on Zaobao and SPH newspaper subscriptions with S$400 minimum spend per statement month.
Up to 5% cash rebate on dining S$400 minimum spend per statement month.
Waiver of Currency Exchange Fees for retail transactions in RMB.
Complimentary Sands Rewards Lifestyle Elite tier membership at Marina Bay Sands Rewards membership counter.
Bonus cash rebate capped at S$30 per statement month.
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
BOC Family Card
Cashback Local
0.3 %
info
With minimum monthly spend of S$800.
Cashback Overseas
0.3 %
info
With minimum monthly spend of S$800.
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 205.2
info
First Year Waived
Things to consider for this product:
check
Dining rebate
check
Public transportation
remove
Monthly spend required
remove
Rebate cap applied
10% cash rebate on dining and movies.
5% cash rebate on Family Club Merchants, including Best Denki, Popular Bookstore, Unity Pharmacy, Watsons, and more.
3% cash rebate on public transport.
3% cash rebate on supermarket, online purchases, and hospital.
0.3% cash rebate on all other eligible spend.
S$205.20 annual fee (inclusive of GST).
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
UOB Metro-UOB Card
Cashback Local
0.2 %
info
(Indirect Cashback) S%5 local spend = UNI$1. UNI$2000 redeems $20 vouchers. Equivalent to 0.2% cashback.
Cashback Overseas
0.2 %
info
(Indirect Cashback) S$5 local spend = UNI$1. UNI$2000 redeems $20 vouchers. Equivalent to 0.2% cashback.
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 196.2
info
First Year Waived
Things to consider for this product:
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Retail rebate
check
Dining savings
check
No monthly spend required
check
No rebate cap
Get 10% off regular-priced items all year round at Metro.
Enjoy 5% Metro$ rebates on all merchandise, including sale items at Metro.
Earn UNI$1 for every S$5 spent; redeem over 1,000 rewards from dining treats to shopping vouchers.
Indulge in savoury treats and discounts at over 1,000 dining establishments.
20% off regular items in Metro on your birthday month.
Exclusive invites to Double Metro$ Day, events and previews.
Free delivery service when you spend a minimum of S$150 nett at Metro.
10% discounts applies to regular-priced items with a blue tag.
5% rebate is awarded in the form of Metro$ based on the nett amount charged to the Metro-UOB Card.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
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8x Apple iPad (each worth $679)
8x Dyson AirwrapTM styler (each worth $849)
8x Nintendo Switch OLED (each worth $549)
8x Playstation®5 consoles (each worth $799)
See All Prizes
8x Apple iPad (each worth $679)
8x Dyson AirwrapTM styler (each worth $849)
8x Nintendo Switch OLED (each worth $549)
8x Playstation®5 consoles (each worth $799)
How does a High Cashback Credit Card work?
High cashback credit cards offer cardholders a considerable percentage of their spending back in the form of cash rebates, with higher rates for specific categories like groceries, dining, or online shopping. This translates into substantial savings on everyday expenses or dedicated spend.
How to best use a Cashback Credit Card
To best use a high cashback credit card, focus on the following strategies to maximise your savings:
Leverage high cashback categories Identify the credit card's high cashback categories, such as groceries, dining, food delivery, transport, travel, mobile contactless spend, or online shopping etc. The list of eligible bonus cashback categories differs from card to card, so check accordingly. Thereafter, concentrate your spending in these areas to earn more cashback on everyday expenses.
Understand spending caps Check if the card has cashback caps or limits on specific categories. Be mindful of these caps to optimise your earnings within the allowed limits. Once you meet and exceed the cashback cap, your bonus cashback rate will no longer be in effect and will be reverted to the base cashback rate until the next statement/calendar month.
Capitalise on everyday expenses Use the high cashback credit card for regular, essential purchases to earn cashback on items you would buy anyway, increasing your overall savings.
Capitalise on online and offline affiliated retail partners Take advantage of partner retailers on online shopping portals that offer additional cashback for purchases made through affiliated merchants.
Check for limited-time promotions Stay updated on any limited-time promotions or special offers that provide extra cashback or bonuses for specific spending during these periods.
Redemption options Understand the cashback redemption options offered by the card. Some cashback automatically offsets your next credit card bill while others are offered as cash rebates redeemable upon your request. The latter is normally done via the corresponding bank’s app or SMS.
Review terms & conditions Stay informed about any updates or changes in the cashback rates and terms to make the most of your rewards.
A credit card with a high cashback earn rate is specifically suited for these types of users:
Frequent spenders Individuals who regularly use their credit cards for everyday expenses, such as groceries, dining, food delivery, transport (bus, MRTs, ride-hailing services) and online shopping, can benefit from earning significant cashback on these routine purchases.
Budget-conscious spenders Those who prioritise saving money and want to maximise their savings can strategically use a high cashback credit card to earn cash rewards on essential purchases.
Cash rewards preference Individuals who prefer straightforward cash rewards over other redemption options like points or miles will find a high cashback credit card appealing and easy to use.
Simplified redemption People who prefer a hassle-free rewards redemption process will appreciate that cashback is automatically applied to their credit card statement or redeemable upon request via the bank’s app or SMS.
Targeted categories spender Those who spend significantly in specific categories, such as groceries or dining, can optimise their cashback earnings by using a high cashback credit card tailored to those spending habits.
For example, the OCBC 365 cashback card earns 6% cashback on food delivery and dining, 6% on all petrol, and 3% cashback on groceries, private hire rides, utility bills, and even online transactions. This makes it an excellent all-rounded, everyday spend high cashback card.
Things to look out for when choosing a High Cashback Credit Card
When choosing a high cashback credit card, pay close attention to the following specific factors:
Bonus cashback rates on selected categories Check the cashback rates offered for different spending categories, focusing on cards with higher cashback percentages in areas where you frequently spend, such as groceries, dining, food delivery, transport, travel, contactless spend, or online shopping.
Cashback caps and limits Determine if the card has any cashback caps or limits on specific categories or total cashback earnings, as this could impact your overall rewards potential.
Minimum spend requirements Unlike unlimited cashback cards, high cashback credit cards will have minimum spend requirements. You need to be aware of them in order to qualify for their bonus cashback rates. Also, ensure they are achievable based on your regular spending patterns.
Sign-up bonuses Look for any sign-up bonuses or limited-time promotional offers that can provide an extra boost to your cashback earnings initially.
Frequently asked questions for High Cashback Credit Cards
What is considered a high cashback rate?
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Generally, a high cashback rate for credit cards in Singapore typically hovers between 3% to 15%. However, rates can vary, so it's best to check with banks or comparison websites like us at SingSaver for the latest information.
What are commonly eligible categories that earn high cashback?
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You can expect categories like dining, food delivery, transport, groceries, offline and online shopping, mobile contactless spend, travel, utilities and other bills like petrol and phone bills where applicable.
Do all cashback credit cards require minimum spending?
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Yes, all high cashback credit cards demand a minimum spend every month (or sometimes per year) to qualify for their high cashback rates. Failure to satisfy these minimum spending will result in cardholders earning base cashback (e.g. 0.2%, 0.3%) instead of bonus cashback.
The only exception where minimum spend doesn’t apply is unlimited cashback credit cards.
What are some popular examples of high cashback credit cards?
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The UOB One Card, POSB Everyday Card, Maybank Family & Friends Card, CIMB Visa Signature Card, OCBC Frank Card, Citi Cash Back Card, OCBC 365 Card, DBS Live Fresh Card and the UOB EVOL Card are examples of high cashback credit cards.