Best Unlimited Cashback Credit Cards in Singapore 2024
Say goodbye to tedious cashback categories and caps, as these unlimited cashback cards will allow you to earn rebates on all your purchases. Whether you’re dining out, shopping, or planning your wedding, these unlimited cashback credit cards provide unmatched flexibility and convenience with no minimum spend or cap.
Cashback rate on petrol transactions in Singapore and Malaysia.
Cashback Overseas
1.5 %
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No minimum spend and no cap.
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 130.8
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First Three Years Waived
Things to consider for this product:
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Petrol rebate
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Overseas rebate
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Travel insurance
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Annual Fee waiver
5% cashback on petrol in Singapore and Malaysia.
1.5% cashback in foreign currency.
5 TREATS Points per $5 spent in local currency.
Complimentary Supplementary Cards for your loved ones.
Complimentary travel insurance coverage of up to S$500,000.
TREATS Points awarded calculated based on blocks of S$5.
Min. spend of S$300 each calendar month to qualify for bonus TREATS Points, capped at 30,000 bonus TREATS.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
Maybank Manchester United Platinum Visa Credit Card
Cashback Local
Up to 3 %
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Unlimited cashback with no minimum spend when Manchester United Wins a Premier Leage Match, otherwise earn 1% unlimited cashback. Bonus cashback capped at S$20 per match day win.
Cashback Overseas
Up to 3 %
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Unlimited cashback with no minimum spend when Manchester United Wins a Premier Leage Match, otherwise earn 1% unlimited cashback Bonus cashback capped at S$20 per match day win.
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 14% discount at Esso and Shell petrol stations.
Cash rebates can be redeemed only in denominations of S$10, S$20 or S$50 via SMS.
SingSaver Lightning Deal
Gift Options
Sony PlayStation® 5 Slim Disc Edition (worth S$799); or
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
S$500 eCapitaVoucher
Promotion is valid for new Citibank credit card members only
Be one of the first 500 eligible applicants of participating Citibank credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward
Lightning Deal reward is not stackable with other promotional rewards from SingSaver
Remaining applicants will receive regular SingSaver promotional rewards
Lightning Deal promotion runs from 9 April 2024, 9:00 AM SGT to 2 May 2024
Non-waivable for first year. Waiver will be granted in subsequent years with a minimum eligible spend of S$60,000 within in a calendar year.
Offer Available
Welcome Offer
Up to 85,000 miles
Valid until
31 May 2024
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Things to consider for this product:
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Bonus air miles
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Local spending rebate
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Overseas rebate
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Airport lounge
1.5 miles or 1.5% cashback per S$1 spent locally, such as groceries, shopping and more.
2.2 miles or 2.2% cashback per S$1 spent on overseas purchases in foreign currency.
Receive 25,000 bonus miles when you pay the annual fee of S$550 (exclusive of GST) to renew your membership.
Complimentary Accor Plus Explorer membership with 1 free hotel night stay at Sofitel, Fairmont, Swissotel and over 1000 hotels worldwide.
Complimentary Digital Priority Pass™ Membership and 10 free lounge visits to over 1,300 airport lounges worldwide within each 12-month period of membership.
Members-only dining privileges at over 80 of Singapore’s fine dining establishments, including Michelin-awarded restaurants.
Annual fee of S$588.50 (inclusive of GST) is non-waivable for the first year.
Miles are awarded in the form of DBS Points which are awarded for every S$5 spent.
Each conversion of DBS Points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
Welcome Offer
Gift Options
Up to 85,000 miles
Promotion is valid for new and existing DBS credit cardmembers
Apply for the DBS Vantage Card and make a min. spend of S$4,000 within 30 days of card approval to be eligible for reward
New DBS cardmembers will receive 85,000 miles
Existing DBS cardmembers will receive 40,000 miles
Sony PlayStation® 5 Slim Disc Edition (worth S$799)
Valid until
12 May 2024
SingSaver Lightning Deal
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)
Valid until
12 May 2024
SingSaver Lightning Deal
S$500 eCapitaVoucher
Valid until
12 May 2024
Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Valid until
12 May 2024
Best Deal Guarantee
The Morning Machine + 20 Capsules Bundle (worth S$684)
Valid until
12 May 2024
Best Deal Guarantee
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)
Valid until
12 May 2024
Best Deal Guarantee
Up to S$420
Valid until
12 May 2024
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Things to consider for this product:
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No rebate cap
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No monthly spend required
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Annual Fee waiver
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Installment
1.5% cashback for all spend, no minimum spend and no cashback cap.
Enjoy offers and privileges for online, dining, retail and more with The Good Life®.
2 year annual fee waiver.
Read our full review of the Standard Chartered SimplyCash Credit Card.
Cannot be used for EZ-Reload.
SingSaver Lightning Deal
Gift Options
Sony PlayStation® 5 Slim Disc Edition (worth S$799); or
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
S$500 eCapitaVoucher
Promotion is valid for new Standard Chartered credit cardmembers only
Be one of the first 500 eligible applicants of the Standard Chartered Simply Cash Credit Card and make a min. spend of S$500 within 30 days of card approval to be eligible for reward
Lightning Deal reward is not stackable with other promotions from SingSaver
Remaining applicants will receive regular SingSaver promotional reward
Lightning Deal promotion runs from 25 April 2024, 9:00 AM SGT to 12 May 2024
The Morning Machine + 20 Capsules Bundle (worth S$684); or
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30); or
Up to S$420
Promotion is valid for new Standard Chartered credit card members
Apply for the Standard Chartered Simply Cash Credit Card and make a min. spend of S$500 within 30 days of card approval to be eligible for rewards
Receive an additional S$70 eCapitaVoucher when you make a min. spend of S$1,000 in the second month after card approval
Receive an additional S$20 eCapitaVoucher when you split the payment for your purchases with SCB EasyPay, pay your bills with SCB EasyBill or put any of your purchases on installment in an SCB Savings Account or Current Account within 60 days of approval
An unlimited cashback credit card provides cashback on purchases without minimum spending or cap. Unlike other cashback cards that may have maximum cashback amounts or specific spending categories, these unlimited cashback credit cards allow you to earn cashback on all eligible transactions without any restrictions.
This means there's no restrictions on the amount of cashback you can earn, giving you the freedom to accumulate rebates without constraints. It's a straightforward and hassle-free way to get rewarded for your spending, no matter how much or where you spend it.
How to best use an Unlimited Cashback Credit Card?
To make the most out of an Unlimited Cashback Credit Card and maximise your rewards, consider the following:
Understand the Cashback Terms Familiarise yourself with the card's cashback terms and conditions. Know the flat cashback rate offered and any specific exclusions or limitations that may apply. Exclusions may include digital wallet top-ups, bill payments, paying for insurance premiums, or topping up your EZ-Link card.
Use for Big Purchases Since there are no spending categories or caps, use the card for large purchases like weddings, home renovations, or overseas trips. This way, you can earn cashback without any restrictions or worry.
Combine it with other Cashback Credit Cards If you have hit the cashback cap on your other credit card, use an unlimited cashback credit card for additional purchases to ensure you don’t miss out on earning rebates.
Consolidate Your Spending Consider consolidating your spending onto an unlimited cashback card if you have multiple credit cards. This simplifies tracking and ensures you don't miss out on any rewards.
Combine with Promotions Take advantage of any additional promotions or discounts the credit card issuer or partnering merchants offers to boost your savings.
The unlimited cashback credit card is an excellent option for individuals seeking simplicity and flexibility in their rewards. It is well-suited for the following types of people:
Everyday Spenders Those who use their credit cards for a significant portion of their daily expenses, such as groceries, dining, shopping, and bills, will benefit from earning cashback on all transactions.
People who prefer simplified rewards People who prefer a straightforward rewards programme without the need to keep track of spending categories or minimum spending will find this card appealing. Those who prefer no spending restrictions Individuals who want the freedom to spend on various categories without worrying about cashback caps or limitations will appreciate the unlimited nature of these credit cards.
Rewards Maximisers Those who want to maximise their rewards and earn cashback on all eligible purchases, regardless of the amount spent, can use an unlimited cashback credit card.
Big Spenders People who make significant purchases regularly, such as expensive electronics or travel bookings, can earn cashback rewards with an unlimited cashback credit card.
Things to look out for when choosing an Unlimited Cashback Credit Card
When selecting an unlimited cashback credit card, it's essential to consider several factors to ensure it aligns with your financial needs and goals. Here are some crucial things to look out for.
Cashback Percentage Check the flat cashback rate offered by the card. While it's "unlimited," the actual cashback percentage can vary between different cards. Aim for a competitive rate that suits your spending habits.
Eligible Spending Verify if there are any exclusions or specific categories that do not qualify for cashback. While it's an unlimited cashback card, some transactions may not be eligible for rewards. Some examples include digital wallet top-ups, payments to government agencies, paying for insurance premiums, or gambling-related purchases.
Despite the term "unlimited," unlimited credit cards have certain limitations. They offer cashback on all eligible transactions without spending categories or caps. However, not all transactions may qualify, and there might be restrictions on certain purchases, and other terms. Reviewing the card's terms and conditions to understand its limitations entirely is crucial.
What is the difference between a regular cashback card and an unlimited cashback card?
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The main difference between regular and unlimited cashback cards is the spending requirements and cashback cap. You must typically meet a minimum spend requirement for a regular cashback credit card to unlock the maximum cashback rate. For example, you may be required to spend at least S$800 a month to earn 8% cashback on dining transactions. Failure to meet the minimum spend will result in a flat cashback rate (0.25%). Plus, there is usually a cashback cap in place. For example, a regular cashback credit card may have a monthly cap of S$100. This means the highest cashback amount you can earn is S$100, regardless of how much you spend.
As for an unlimited cashback credit card, you typically earn a flat cashback rate (from 1% to 1.7%) regardless of how much you spend. Although the cashback rate is much lower than a regular cashback credit card, there is no cashback cap. This means that is no limit to how much you can earn from your purchases, which is why an unlimited cashback credit card is perfect for big-ticket purchases.