The best cashback credit cards in Singapore help you save money on your daily spending in a convenient and easy way.
Every spending situation is unique. SingSaver assembles the 'Best For' list, so you can decide what’s best for you.
Cashback credit cards offer perhaps the most straightforward type of reward for consumers. Simply charge your spend to a cashback card, and you automatically receive a rebate off your purchase as cashback. This will be in the form of credit given back to you in your next monthly credit card statement.
What should I look out for in a cashback credit card?
Cashback is usually awarded on specific categories such as dining, online shopping, groceries and transport so the first thing is to know your monthly spending habits and get the right cashback credit card for you.
In addition, some cards come with pretty extensive terms and conditions. These include:
- monthly cap on cashback you can receive per month
- monthly minimum spend before you qualify for the advertised cashback rate
- different cashback rates based on weekday or weekend spending
- specific merchant partners such as specific petrol chains (i.e. Caltex) or supermarket chains (eg Cold Storage)
To help you compare and apply for the best cashback credit cards and maximise your savings, we present our recommended cashback cards for 2022. Choose between:
- Best Cashback Credit Cards (with minimum spend and cashback cap)
- Best Unlimited Cashback Credit Cards (no minimum spend, no cashback cap)
Best Cashback Credit Cards (with min. spending and cap)
Credit Card | Best for/Benefits | Details | Min. Annual Income |
Citi Cash Back Card
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- 8% cashback on Groceries and Petrol
- 6% cashback on Dining
- 0.25% cashback on all other spending
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- Min. S$800 monthly spend
- S$80 cashback cap (per statement month) - Annual fee: S$194.40 (First year free) |
- Local/PR: S$30,000
- Foreigner: S$42,000
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CIMB Visa Signature Card
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- 10% cashback on Online Shopping, Groceries, Beauty & Wellness, Pet Shops & Vet services, and Cruises
- Unlimited 0.2% cashback for all other spending
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- Min. S$800 monthly spend
- S$100 cashback cap (per statement month), and up to S$20 per category
- For spend beyond the cap, you will earn 0.2% cashback
- No annual fee
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- Local/PR: S$30,000
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Maybank Family & Friends Card
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- 8% cashback on 5 selected categories:
1) Groceries 2) Dining & Food Delivery 3) Transport, Data Communication & Online TV Streaming 4) Retail & Pets 5) Online Fashion 6) Entertainment 7) Pharmacy 8) Sports & Sports 9) Apparels 10) Beauty & Wellness - 0.25% cashback on all other spending |
- Min. S$800 monthly spend
- S$125 cashback cap (per statement month), and up to S$25 per category
- Annual fee: S$180 (First 3 years free)
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- Local/PR: S$30,000
- Malaysian Citizen: S$45,000
- Foreigner: S$60,000
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UOB EVOL Card
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- 8% cashback on Online Spend
- 8% cashback on Mobile Contactless Spend
- 0.3% cashback on all other spending
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- Min. S$600 monthly spend
- S$60 cashback cap (per statement month), and up to S$20 per category
- Annual fee: S$194.40 (Waived when you make a min. 3 transactions every month for 12 consecutive months)
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- Local/PR: S$30,000
- Foreigner: S$40,000
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OCBC 365 Card
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- 5% cashback on Dining and Online Food Delivery
- 6% cashback on Petrol
- 3% cashback on Groceries, Land Transport, Utilities, Streaming, Drugstore and Electric Vehicle Charging
- 0.25% cashback on all other spending
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- Min. S$800 & S$1,600 monthly spend
- S$80 & S$160 cashback cap depending on monthly spend tier (per statement month)
- Annual fee: S$194.40 (First 2 years free)
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- Local/PR: S$30,000
- Foreigner: S$45,000
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Credit card offers are subject to changes at any given time.
#1 Citi Cash Back Card: Best for groceries, dining and petrol

If you bring the family out for dining and grocery shopping, the Citi Cash Back card (not to be confused with the Citi Cash Back+ card) is a good cashback credit card to have in your wallet.
It comes with a generous 8% cashback at virtually every stop of your trip, be it at your neighbourhood supermarket or your go-to petrol kiosk. You can also enjoy 6% cashback on dining at restaurants, cafes, fast food eateries and caterers. But you'll need to spend a monthly minimum spend of S$800 per month to earn cashback.
Cashback amounts are also capped at S$80 per month (dining, groceries, and petrol) but this can already save you S$80 each month.
Why we love this card:
- High cashback of 8% on two common spending criteria - groceries and petrol
- High cashback of 6% on dining
- High potential monthly savings of up to S$80
- Card can be used for ERP payments
But do take note:
- Monthly minimum spend of S$800 to earn cashback
- Total cashback cap of S$80 per month
Get this card if you: Consistently spend on groceries, dining and petrol costs.
SingSaver Exclusive Offer:
For Citi PremierMiles Card: Receive an Apple iPad 9th 10.2" WiFi 64GB (worth S$503.65) or a Dyson Supersonic (worth S$699) or a Dyson V8 Slim Fluffy (worth S$509) or S$300 cash via PayNow upon activating and spending at least S$500 within 30 days of card approval. Valid till 1 October 2023. T&Cs apply.
For Citi Cashback+ Card, Citi Cashback Card and Citi Rewards Card: Receive a Dyson Supersonic (worth S$699) or a Dyson V8 Slim Fluffy (worth S$509) or a Nintendo Switch OLED (worth S$549) or S$300 cash via PayNow when you activate and spend at least S$500 within 30 days of card approval. Valid till 1 October 2023. T&Cs apply.
Plus, enjoy up to 2% cashback on all qualifying spend and up to S$656 cash when you apply for the Citi Cash Back+ card and join Citi Plus. T&Cs apply.
#2 OCBC 365: Best for dining and general savings

The OCBC 365 Card is one of our favourite cashback credit cards for all-round savings.
Enjoy 3% cashback on dining and online food delivery all week, and 3% cashback on on groceries, land transport and utilities. If you drive, the OCBC 365 Card offers amazing cashback of 5% on fuel spend at all petrol service stations and up to 22.1% savings at Caltex (including 18% instant discount for all fuel)
However, there’s a downside: the monthly minimum spending is S$800, otherwise, your cashback rate is only 0.25%.
Hitting the minimum S$800 minimum spend will see you earn S$80 cashback cap but if you are a big spender, hitting a S$1,600 minimum spend will unlock a S$160 cashback!
Why we love this card:
- 5% cashback on dining and online food delivery
- 3% cashback on groceries, land transport, utilities, streaming, drugstore and Electric Vehicle Charging
- Cashback eligible spending categories are now more relevant than ever, and cover worldwide transactions
But do take note:
- Minimum spend of S$800 per month to enjoy cashback
- Monthly cashback cap of S$80 or S$160 per month depending on monthly spending tier hit
Apply for this card if you: Drive often and want to save across a wide variety of transactions common to your lifestyle.
SingSaver Exclusive Offer: For a limited time only, snag a Dyson Airwrap™ multi-styler (Complete) (worth S$859) on top of your chosen reward if you are one of the first 10 applicants of select Standard Chartered Credit Cards at 12pm and 3pm daily during the flash deal period. Valid till 1 October 2023. T&Cs apply.
For OCBC Titanium Rewards, OCBC 90°N Mastercard and Visa Cards Only: Receive an Apple AirPods Pro 2nd Generation (worth S$362.35) or a Hinomi H1 Classic Plus Ergonomic Office Chair with headrest (worth S$459) or S$280 eCapitaVoucher or S$250 Cash via PayNow when you make a min. spend of S$500 within 30 days of card approval. Valid till 4 October 2023. T&Cs apply.
For OCBC 365 and OCBC Frank Cards Only: Receive an Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$503.65) or an AirPods Pro Gen 2 + MagSafe Charger bundle (worth S$421.90) or S$350 eCapitaVoucher or S$250 Cash via PayNow when you make a min. spend S$500 within 30 days of card approval. Valid till 4 October 2023. T&Cs apply.
#3 DBS Live Fresh: Best online and Visa contactless spend

If you're someone that does most of your shopping online, this could be the cashback card for you, rewarding you with up to 5% cashback.
DBS Live Fresh also rewards you for Visa contactless payments (i.e. PayWave) and this includes your mobile payments such as Apply Pay and Google Pay—perfect for those who like the idea of leaving your house without your wallet, especially when this card can double up as your EZ-Link card.
Additionally, cardmembers can now enjoy an additional 5% cashback on select eco-friendly merchants while doing their part for Planet Earth!
Why we love this card:
- 5% cashback for all your online purchases
- 5% cashback for Visa contactless spend, which includes your MRT and bus rides with SimplyGo
- Additional 5% cashback on select eco-friendly merchants
But do take note:
- Minimum spend of S$600 per month to enjoy cashback
- Cashback is capped at S$20 on online spend, S$20 on eligible Visa contactless spend, S$15 on sustainable spend, S$20 on all other spend each month
Apply for this card if you: Frequently shop online and enjoy leaving your home without your wallet, relying on mobile contactless to make purchases. You can also consider the DBS Live Fresh if you have a DBS Multiplier account and need a credit card to bump up your interest rates.
DBS/POSB Credit Card Welcome Gift: Receive S$250 cashback or up to 60,000 miles when you apply for select DBS credit cards and fulfil the relevant promotion criteria. T&Cs apply.
#4 CIMB Visa Signature Card: Best for all-round spending

CIMB Visa Signature Card is the newest kid on the block to offer one of the highest headline cashback rates. Cardholders can expect to earn a cashback rate of up to 10% across categories like beauty and wellness, online shopping, grocery, pet shops and veterinary services and cruises.
At a time when we are spending most of our time at home, the 10% cashback on online shopping and groceries comes in handy. This 10% cashback applies to not just in-store grocery spend, but also on groceries bought online.
Additionally, this card is compatible with SimplyGo, fitting right into your wallet as an EZ-Link card.
Why we love this card:
- High cashback of 10% for multiple categories
- No annual fees for life
- S$80 cash credit signup promotion
But do take note:
- Minimum spend of S$800 per month to enjoy cashback
- S$20 cashback cap per category
Apply for this card if you: Like to have a fuss-free card for all-round spending, particularly for groceries, beauty and wellness, online shopping, and veterinary services.
SingSaver Exclusive Offer: Receive an Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$503.65) or S$320 Upsized Cash via PayNow when you activate and spend at least S$988 for 60-day periods following card approval. Valid till 1 Oct 2023. T&Cs apply.
#5 UOB EVOL Card: Best for online and mobile contactless shoppers

Adore the cashless lifestyle online and in real life? The UOB EVOL Card could be for you.
Best for anyone and everyone who has a penchant for shopping online or making payments via mobile contactless payment platforms like Apple Pay, Samsung Pay and Fitbit Pay, the UOB EVOL Card is one not to be missed thanks to the generous cashback it offers.
Why we love this card:
- High cashback of 8% for all online spends
- High cashback of 8% for mobile contactless spend (Apply Pay, Samsung Pay, Fitbit Pay)
But do take note:
- Minimum spend of S$600 per month to enjoy cashback
- Cashback cap at S$60 per month
Apply for this card if you: Like to shop online or have the habit of paying through Apple Pay, Samsung Pay or Fitbit Pay.
SingSaver Exclusive Offer: Receive S$350 cash credit or S$500 worth of Grab vouchers or up to 50,000 miles when you apply for select UOB credit cards and fulfil the minimum spend requirements. T&Cs apply.
Best Unlimited Cashback Credit Cards
Credit Card | Best for/Benefits | Details | Min. Annual Income |
Citi Cash Back+ Card
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- 1.6% unlimited cashback on all spending
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- No min. spend required
- No cap on cashback earned - Annual fee: S$194.40 (First year free) |
- Local/PR: S$30,000
- Foreigner: S$42,000
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AMEX True Cashback Card
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- 1.5% unlimited cashback on all spending (including education fees, insurance, healthcare, utilities and telco)
- Enjoy 3% welcome bonus cashback on up to S$5,000 eligible spend within first 6 months of card approval
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- No min. spend required
- No cap on cashback earned - Annual fee: S$172.80 (First year free) |
- Local/PR: S$30,000
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- 2% unlimited cashback on Wine & Dine and Online Food Delivery, Movies and Digital Entertainment, Taxi and Automobile, and Luxury Goods
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- Min. S$1,000 monthly spend
- No annual fee |
- Local/PR: S$30,000
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- 1.5% unlimited cashback on all spending
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- No min. spend required
- No cap on cashback earned - Annual fee: S$194.40 (First 2 years free) |
- Local/PR: S$30,000
- Foreigner: S$60,000
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UOB Absolute Cashback Card![]()
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- 1.7% unlimited cashback on all spending
- Includes insurance, school fees, wallet top-ups (excludes Grab), healthcare, utilities & telco bills, and rental |
- No min. spend required
- No cap on cashback earned - Annual fee: S$194.40 (First year free)
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- Local/PR: S$30,000
- Foreigner: S$40,000
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Maybank FC Barcelona Visa Signature Card![]()
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- 1.6% unlimited cashback on all local spending
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- No min. spend required
- No cap on cashback earned - Annual fee: S$120 (First 2 years free)
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- Local/PR: S$30,000
- Malaysian Citizen: S$45,000
- Foreigner: S$60,000
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#1: Citi Cash Back+ Credit Card

Citibank charges into the unlimited cashback fray with its recently launched Cash Back+ Credit Card (not to be confused with the Citi Cash Back Credit Card), throwing down the gauntlet by offering 1.6% cashback on all spends.
Although 0.1% more cashback is unlikely to make a difference (unless you charge tens of thousands of dollars to the card), the higher cashback earn rate still makes for an attractive option for fans of Citi credit cards seeking to earn cashback across multiple transaction types.
SingSaver Exclusive Offer:
For Citi PremierMiles Card: Receive an Apple iPad 9th 10.2" WiFi 64GB (worth S$503.65) or a Dyson Supersonic (worth S$699) or a Dyson V8 Slim Fluffy (worth S$509) or S$300 cash via PayNow upon activating and spending at least S$500 within 30 days of card approval. Valid till 1 October 2023. T&Cs apply.
For Citi Cashback+ Card, Citi Cashback Card and Citi Rewards Card: Receive a Dyson Supersonic (worth S$699) or a Dyson V8 Slim Fluffy (worth S$509) or a Nintendo Switch OLED (worth S$549) or S$300 cash via PayNow when you activate and spend at least S$500 within 30 days of card approval. Valid till 1 October 2023. T&Cs apply.
Plus, enjoy up to 2% cashback on all qualifying spend and up to S$656 cash when you apply for the Citi Cash Back+ card and join Citi Plus. T&Cs apply.
#2: Standard Chartered SimplyCash Cashback Credit Card

The SimplyCash Cashback Credit Card by Standard Chartered gives you 1.5% cashback each time you spend, whether for a restaurant meal, household grocers, or a new pair of gym shoes.
Additionally, choose to consolidate your spending via a balance transfer and earn 1% cashback on your approved transfer amount.
In combination, these two cashback channels effectively lets you ‘double-dip’ on your spending, but remember that carrying a credit card balance will incur significantly higher interest charges. But still, the extra savings would prove welcome if you need to transfer your balance.
#3: American Express True Cashback Card

One of the very first unlimited cashback cards to be launched on our shores, the enduring popularity of AMEX’s True Cashback Card boils down to its simple hook: 1.5% cashback on all spends with no minimum monthly spends nor cashback cap.
With this card, you simply spend as usual, accruing cashback which is automatically used to offset your monthly statement. Instant, fuss-free savings.
The best part? You earn a whopping 3% cashback on all spends (up to S$5,000) during the first 3 months! This equates to a maximum cashback of S$150.
#4: CIMB World Mastercard

Let us preface this by saying CIMB World Mastercard now requires you to hit a minimum spend before you can earn unlimited cashback. This change has kicked in since 1 September 2021.
With the CIMB World Mastercard, you’ll earn unlimited 2% cashback on wine and dine, online food delivery, movies and digital entertainment, taxi and automobile as well as luxury goods transactions — if you can hit the minimum spend of S$1,000 within the same statement month. Otherwise, the cashback that you can earn on eligible categories listed above will be halved.
For all other spends, you’ll earn 1% cashback with a minimum spend of S$500 posted in the same statement month.
Also, this card has no annual fee for life, saving you money year after year. Talk about having your cake and eating it too.
SingSaver Exclusive Offer: Receive an Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$503.65) or S$320 Upsized Cash via PayNow when you activate and spend at least S$988 for 60-day periods following card approval. Valid till 1 Oct 2023. T&Cs apply.
Compare and apply for the best cashback credit cards on SingSaver
If you're looking for a good cashback card to help you save on everything from groceries, to petrol, to transport, be sure to apply through SingSaver to maximise your welcome rewards with exclusive sign-up bonuses (and this is on top of the bank's own rewards!). Use SingSaver's free online comparison tool to compare the best cashback credit cards in Singapore.
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