Subscription Modal Banner
Weekly newsletter subscription
Get SingSaver’s top tips and deals, plus an exclusive free guide to investing, sent straight to your inbox.

I agree to the terms and conditions and agree to receive relevant marketing content according to the privacy policy.

Success Tick Icon
Congratulations on successfully joining Singsaver Newsletter

Best Cashback Credit Cards In Singapore (2024)

SingSaver team

SingSaver team

Last updated 01 January, 2024

Every spending situation is unique. SingSaver assembles the 'Best For' list, so you can decide what’s best for you.


The best cashback credit cards in Singapore help you save money on your spending conveniently and easily.

In a world where every purchase counts, cashback credit cards bring a rewarding twist to your everyday transactions and more. They redefine the way we spend and save – from groceries to travel and everything in between, they provide tangible returns for each transaction in the form of cash rebates.

But with a plethora of enticing options on the market, choosing the best cashback cards can be extremely daunting. Not to mention, navigating through a sea of terms & conditions, eligibility criteria, and cashback categories poses respective challenges on their own. Where do we even begin?

Table of contents


What are cashback credit cards?

Arguably, cashback credit cards offer the most straightforward type of rebates 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. (Or in the case of the AMEX True Cashback Card, you receive the cashback within the same statement month!)

See also: What Should You Do If You Can't Pay Your Credit Card Bill?

In general, cashback is 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.

See also: The Science Behind Spending Habits & Why We Spend?

That's why to help you maximise your savings, we've weighed the pros and cons and curated our top recommendations for the best cashback credit cards in Singapore.


Best cashback credit cards in Singapore

Jump to:


#1: Citi Cash Back Credit Card

Citi_Cashback_Platinum_Mastercard

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.

SS_CC_FD_BLOGARTICLE_800x250-1

SingSaver Exclusive Flash Deal⚡: The first 5 applicants of any Citi credit card at 12pm and 3pm daily will receive a PlayStation®5 Disc Console (Slim) (worth S$799) or S$500 eCapitaVoucher on top of existing promotional offers. Valid till 29 February 2024. T&Cs apply.

CITI_BLOGARTICLE_800x250-2

SingSaver's Exclusive Offer: Receive the following rewards when you sign up for a Citi Cashback Card:

Receive an Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or a Dyson V8 Slim Fluffy (worth S$509) or Nintendo Switch OLED (worth S$549) or S$300 cash via PayNow upon activating and spending a min. of S$500 within 30 days of card approval. Valid till 29 February 2024. T&Cs apply.


#2: OCBC 365 Credit Card

OCBC365
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 groceries, transport, and utilities. If you drive, the OCBC 365 Card offers amazing cashback of 6% on fuel spend at all petrol service stations, up to 22.92% savings at Caltex (including 18% instant discount for all fuel) and up to 21.04% savings at Esso.

See also: Best Petrol Credit Cards in Singapore

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
  • 6% cashback on petrol, with fuel savings of up to 22.92% at Caltex and up to 21.04% at Esso
  • 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 a reliable everyday cashback card to save across a wide variety of lifestyle transactions.


#3: POSB Everyday Credit Card

POSB_everyday_card_front_RGB_1920x1080_20190723

Another popular contender for everyday savings is the POSB Everyday Card. If you're a loyal Sheng Siong shopper, chances are you're probably familiar with this card already. But in case you're not, allow us to illustrate:

This card operates on two tiers of minimum spending: none and S$800 per month. As a result, the cash rebates differ within each tier accordingly.

With no min. spend Min. S$800 spend
5% cash rebate on Sheng Siong groceries
(capped at Daily$30)
10% cash rebate on online food delivery from foodpanda and Deliveroo
3% cash rebate on dining
(capped at Daily$15)
Up to 3% cash rebate on utilities
(capped at Daily$3)
5% cash rebate on online shopping at Amazon, Lazada, Qoo10, RedMart, Shopee, and Taobao
(capped at Daily$15)
Up to 20.1% fuel savings at SPC
2% cash rebate at SpeedyCare
(no Daily$ cap)
8% cash rebate at POPULAR online and in-stores
(capped at Daily$15)
0.3% cash rebate on all other spend 3% cash rebate on phone bills
(capped at Daily$3)

As you can see, this card rewards cash rebates on a diverse array of everyday spend categories – from your favourite online food delivery platforms like Deliveroo and foodpanda to even paying off your monthly telco and utility bills!

Perhaps the best cashback feature of the POSB Everyday Card is that even if you're unable to hit the S$800 minimum spend that month, you can still rest assured you're earning the maximum % rebate on Sheng Siong groceries, utilities, and your petrol top-ups at SPC. Think of it as a safety net for those months you want to save more. 😉

❤️ Why we love this card:

  • Great for earning cashback on daily necessities like grocery shopping, utilities, and fuel spend without hitting minimum spend

⚠️ But do take note:

  • Minimum spend of S$800 per month to maximise cashback on dining, food delivery, online shopping, and telco bills
  • Monthly Daily$ cap differs across various categories, need to track individually

⭐ Apply for this card if you: Shop for groceries at Sheng Siong, drive often, and have household utilities to pay. Bonus if you can hit S$800 spend per month to maximise cashback on food delivery, dining, online shopping, and telco.

DBS/POSB Credit Card Welcome Gift: Receive up to S$388 cashback or 85,000 miles when you apply for select DBS credit cards and fulfil the relevant promotion criteria. T&Cs apply.

Read more:
Best Home Fibre Broadband Plans in Singapore
How Much Savings Should I Have By Age – 20s, 30s, 40s, 50s, 60s


#4: Maybank Family & Friends Credit Card

Maybank-FamilyFriends_card-1024x697

Honestly, when you think of "managing a household" and "high cashback", the Maybank Family & Friends Card is one of – if not – the best cashback card options.

Despite its high minimum S$800 monthly spend, it's well justified by its equally high 8% cashback on five preferred categories (out of 10):

Groceries, Dining & food delivery, Transport, Data communication & online TV streaming, Retail & pets, Online fashion, Entertainment, Pharmacy, Sports & sports apparels, and Beauty & wellness.

But wait, that's not all. Did you know, you can also earn 8% cashback on your chosen categories in Ringgit? Suddenly, all your shopping during your JB weekend getaways got a whole lot more convenient. 😆

All your spending is capped at S$125 per calendar month, split across S$25 per category. Plus, its annual fee is waived for three years which is better than most cards.

💡 Pro-tip: To get even more bang for your Ringgit buck, pair the Maybank Family & Friends Card (or any mastercard) with the Instarem amaze Card to bypass pesky foreign transaction (FCY) fees completely!

Credit cards typically charge a fee ranging between 2.95% to 3.5%, but multi-currency cards like amaze don't impose FCY fees and offer better real-time market currency conversion rates. 

Read more:
Which is Best For Travelling Abroad: Multi-Currency Card vs Cash vs Credit Card 
Should You Pay in SGD With Your Credit Card Abroad?

❤️ Why we love this card:

  • Easy 8% cashback on preferred spending at your fingertips; chosen from a broad range of categories
  • Can earn 8% cashback on ringgit too, doubling up as a convenient travel card for weekend Malaysia trips
  • High cashback cap of S$125 per month

⚠️ But do take note:

  • High minimum spend of S$800 per month
  • S$125 cashback cap limited to S$25 per category

⭐ Apply for this card if you: Manage everyday expenses for yourself (and/or a household) and frequent Malaysia often over the weekends 


#5: CIMB Visa Signature Credit Card

The 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.

Notably, this card's appeal lies in its cashback offerings for pet-related services and cruises, particularly the former. While most credit cards still offer bonus rebates on cruise spending (categorised under travel spend), pet-related services like veterinary clinics are often excluded from earning bonus rebates. These services are typically labelled under MCC 0742. 

💡Pro-tip: Speaking of travel, charge your cruise tickets (and other travel expenses) to this card to unlock up to S$500,000 complimentary travel insurance coverage.

Additionally, this card is compatible with SimplyGo, fitting right into your wallet as an EZ-Link card.

Best of all, CIMB credit cards have no annual fees whatsoever and allow up to 4 supplementary cards per primary cardholder.

❤️ Why we love this card:

  • High cashback of 10% for multiple categories, including niche or commonly-excluded categories
  • Up to S$500,000 complimentary travel insurance coverage
  • No annual fees for life

⚠️ 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: Incur high monthly spending of at least S$800 and want to earn high cashback on both everyday spend (like groceries, public transport, etc.) and dedicated categories (like veterinary services and cruises).

SS_CC_FD_BLOGARTICLE_800x250-1

SingSaver Exclusive Flash Deal⚡: The first 5 applicants of any CIMB credit card at 12pm and 3pm daily will receive a PlayStation®5 Disc Console (Slim) (worth S$799) or S$500 eCapitaVoucher on top of existing promotional offers. Valid till 29 February 2024. T&Cs apply.

CIMB_CC_FLUJO_BLOGARTICLE_800x250-1

SingSaver Exclusive Offer: Receive the following rewards when you sign up for a CIMB Visa Signature Card:

Receive a Flujo BEA Ergonomic Office Chair (worth S$509) or +PLUS Chelsea Check-In 22" Luggage (worth S$449) or a Nintendo Switch Lite (worth S$309) or S$280 Cash via PayNow upon activating and spending min. $988 for 60-day periods following card approval. Valid till 29 February 2024. T&Cs apply.


#6: UOB EVOL Credit Card

Adore the cashless lifestyle online and in real life? The UOB EVOL Card could be for you.

As one of the most fuss-free cashback cards on the market for the internet-savvy and digital natives. Simply save your card details on your computer and mobile wallet (e.g. Apple Pay, Samsung Pay, and Fitbit Pay), and you're well on your way to earning 8% cashback on all your online and contactless purchases left and right.

Compared to other cards, this generous cashback rate comes at a relatively lower S$600 minimum spend per month, with its cashback capped at S$60 per statement month divided across S$20 per spend category.

And finally, this cashback card has no annual fees so long as you make 3 eligible transactions per month throughout the statement year – which honestly, should be a piece of cake!

❤️ 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)
  • No annual fees with min. 3 monthly transactions throughout the year

⚠️ 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.

UOB EVOL Card Welcome Offer: Receive S$350 Grab Vouchers as the first 200 new-to-UOB credit cardmembers monthly, with a minimum spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 29 February 2024. T&Cs apply.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 31 March 2024. T&Cs apply.


#7: OCBC FRANK Credit Card

ocbc_card_Frank-3

When we think of being environmentally friendly, two cashback cards immediately come to mind: the OCBC FRANK Card and the DBS Live Fresh Card. Both cards' mechanics function similarly (i.e. up to 10% cashback) and offer additional cashback on select eco-merchants. But which card has the slightest edge over the other? Well, that boils down to personal preference.

Objectively, the OCBC FRANK Card presents itself as the more all-rounded option. Cardholders are entitled to 8% cashback on foreign currency, online, and mobile contactless transactions. And if one of them happens to be an eligible eco-merchant, you're granted an extra 2% cashback on your spend.

Although this generous cashback rate comes at a hefty cost of minimum S$800 spend per month, it compensates with a high cashback cap of S$100 per calendar month (S$25 per category).

💡Pro-tip: SimplyGo transactions for public transport commutes are considered as eligible eco-merchants!

❤️ Why we love this card:

  • High cashback of 8% for foreign currency, online, and contactless payments
  • Extra 2% cashback on select eco-friendly merchants
  • No annual fees with min. 3 monthly transactions throughout the year

⚠️ But do take note:

  • High minimum spend of S$800 per month
  • Cashback cap at S$100 per month, split across S$25 per category

⭐ Apply for this card if you: Have a tendency to shop online frequently (both local and overseas websites) and dislike bringing your wallet out


#8: DBS Live Fresh Credit Card

DBS-Live-Fresh-Student-Card-1

Conversely, the DBS Live Fresh Card offers a lower rate of 5% cashback on public transport, online, and mobile contactless transactions. And on your friendly, neighbourhood eco-merchant? That's an extra 5% cashback

See also: EZ-Link vs EZ-Reload vs SimplyGo – How to Pay For Public Transport in Singapore

On the bright side, it has a lower minimum spend of S$600 required, capped at S$75 cashback per calendar month.

❤️ Why we love this card:

  • Decent 5% cashback for foreign currency, online, and contactless payments
  • Extra 5% cashback on select eco-friendly merchants

⚠️ But do take note:

  • Minimum spend of S$600 per month
  • Cashback cap at S$100 per month, split across S$25 per category

⭐ Apply for this card if you: Take public transport frequently and enjoys relying on online and mobile wallet for all spend. 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 up to S$388 cashback or 85,000 miles when you apply for select DBS credit cards and fulfil the relevant promotion criteria. T&Cs apply.

Popular

DBS Multiplier Account

DBS Multiplier Account
See more
See less

Exclusive SingSaver Promotion

Enjoy up to 3% p.a. interest rate on your savings with no min. transaction amount required. T&Cs apply.
Debug data (SizeLimitingPyMap: {badges={show=true, exclusive={background={color=#CCFBF1, opacity=100, rgba=rgba(204, 251, 241, 1), rgb=rgb(204, 251, 241), hex=#CCFBF1, css=#CCFBF1}, color={color=#0D968B, opacity=100, rgba=rgba(13, 150, 139, 1), rgb=rgb(13, 150, 139), hex=#0D968B, css=#0D968B}, text=Exclusive Offer}, featured={background={color=#FFF6EB, opacity=100, rgba=rgba(255, 246, 235, 1), rgb=rgb(255, 246, 235), hex=#FFF6EB, css=#FFF6EB}, color={color=#E9590C, opacity=100, rgba=rgba(233, 89, 12, 1), rgb=rgb(233, 89, 12), hex=#E9590C, css=#E9590C}, text=Featured}, welcome={background={color=#E5F4FF, opacity=100, rgba=rgba(229, 244, 255, 1), rgb=rgb(229, 244, 255), hex=#E5F4FF, css=#E5F4FF}, color={color=#0080F0, opacity=100, rgba=rgba(0, 128, 240, 1), rgb=rgb(0, 128, 240), hex=#0080F0, css=#0080F0}, text=Welcome Gift}, popular={background={color=#c6b0d9, opacity=100, rgba=rgba(198, 176, 217, 1), rgb=rgb(198, 176, 217), hex=#c6b0d9, css=#c6b0d9}, color={color=#9a6fbf, opacity=100, rgba=rgba(154, 111, 191, 1), rgb=rgb(154, 111, 191), hex=#9a6fbf, css=#9a6fbf}, text=Popular}, time_limited={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=Time Limited}, time_limited_countdown={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=}, best_value={background={color=#EBFEFF, opacity=100, rgba=rgba(235, 254, 255, 1), rgb=rgb(235, 254, 255), hex=#EBFEFF, css=#EBFEFF}, color={color=#088EAF, opacity=100, rgba=rgba(8, 142, 175, 1), rgb=rgb(8, 142, 175), hex=#088EAF, css=#088EAF}, text=Best Value}}, market=singsaver, product_money101={product=Optional.empty, comparables=[ANNUAL_FEE, MIN_SPEND_INSTALMENTS_TAX, MAX_CASHBACK_ONLINE_SHOPPING], ad_hoc_comparables=[], comparable_order=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, product_moneyhero={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, product_moneymax={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, product_singsaver={comparables=[APR_WITH_YEARLY_INTEREST_RATE], product={id=59168069870, table_id=4702395, table_name=product_singsaver, columns={hs_id=59168069870, hs_child_table_id=0, hs_updated_at=1707106784278, hs_published_at=1708590993288, productid=bltec4a53384fca7d8c_23_en-sg, data={"__typename":"BankAccount","id":"bltec4a53384fca7d8c_23_en-sg","image":{"url":"https://images.contentstack.io/v3/assets/bltc05b5aa7ae1c3a47/blt06cd186abc8df519/5c529d87e1cddf702db2c023/DBS.png","description":"TODO","dimension":null},"featured":false,"promotional":{"bannerText":"Enjoy up to <strong>3% p.a.</strong> interest rate on your savings with no min. transaction amount required. T&amp;Cs apply.","bannerImage":null,"countdown":{"text":"","displayProductPage":false,"date":{"startDate":null,"endDate":null}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"POPULAR","display":"Popular"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"MIN_DEPOSIT_AMOUNT","display":"Min. Initial Deposit"},"sortValue":0,"displayValue":"0","tooltip":null,"description":"","prefix":"S$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"INTEREST_RATE","display":"Min Annual Interest Rate"},"sortValue":-50,"displayValue":"0.05","tooltip":null,"description":"","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"MAX_INTEREST_RATE","display":"Max Annual Interest Rate"},"sortValue":-3000,"displayValue":"3","tooltip":null,"description":"","prefix":"","suffix":"%"}],"ctaButton":null,"functional":{"metaData":{"alias":"dbs-multiplier-account"},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"dbs","providerName":"DBS"},"description":{"shortDescription":[]},"productName":"DBS Multiplier Account","title":"SG.BA.DBSX0001.MULTIPLIERACCOUNT","features":{"title":"Features","pros":["Earn up to max. 3% p.a on your first S$100,000","Enjoy at least 0.30% p.a. interest rate by making a PayLah! retail spend, no min. transaction amount required","Boost interest rate by increasing your total eligible transactions per month (i.e. salary crediting, credit card spend, investments, insurance)","Transfer foreign currency funds overseas directly with your account at zero or lower fees. <a href=\"https://www.dbs.com.sg/personal/deposits/pay-with-ease/international-transfers\" target=_blank>Learn more.</a>","No initial deposit required","No monthly account fees","No minimum average daily balance required if this is your first DBS/POSB account","Insured up to S$75,000 by SDIC. Additional <a href=\"https://www.dbs.com.sg/personal/deposits/bank-earn/multiplier\" target=\"_blank\">T&Cs</a> apply.","Read our full review of the <a href=\"https://www.singsaver.com.sg/blog/dbs-multiplier-savings-account-review\" target=\"_blank\">DBS/POSB Multiplier Account</a>"],"cons":["Fall-below fee of S$5 if average daily balance falls below S$3,000","Early closure fees of S$30 if account is closed within 6 months"]},"eligibility":[{"type":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Monthly Income"},"value":"","description":{"shortDescription":"No Requirement","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_AGE","display":"Minimum Age"},"value":"18","description":{"shortDescription":"18","longDescription":null,"tooltip":null}}],"enableCountdown":false,"enableFlipBanner":false,"documents":null,"disclaimer":null,"applicationProcess":[{"type":null,"data":""}],"fees":[{"type":{"key":"FALL_BELOW_MIN_DEPOSIT_FEE","display":"FALL_BELOW_MIN_DEPOSIT_FEE"},"value":"5","description":{"shortDescription":"","longDescription":"","tooltip":null}}],"productPrivileges":null,"interestRateTiers":null,"imageOrientation":null}, hs_created_at=1672893166203, hs_is_edited=false, hs_deleted_at=0, productname=DBS Multiplier Account, hs_name=, hs_updated_by_user_id=60412388}}, ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, promotional={display_within_collapsible=true, show_banner=true, show_promotional_in_card=true}, static_text={rewards=Exclusive SingSaver Promotion, see_more=See more, see_less=See less, cta_button_label=Apply Now, cta_button_subtext=, yes=Yes, no=No, day=Day, days=Days}, style={primary={color=#00AAFB, opacity=100, rgba=rgba(0, 170, 251, 1), rgb=rgb(0, 170, 251), hex=#00AAFB, css=#00AAFB}, call_to_action_background={color=#F97316, opacity=100, rgba=rgba(249, 115, 22, 1), rgb=rgb(249, 115, 22), hex=#F97316, css=#F97316}, call_to_action_color={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, call_to_action_subtext_color={color=#687076, opacity=100, rgba=rgba(104, 112, 118, 1), rgb=rgb(104, 112, 118), hex=#687076, css=#687076}, theme=default, summary_section_label={color=#18794E, opacity=100, rgba=rgba(24, 121, 78, 1), rgb=rgb(24, 121, 78), hex=#18794E, css=#18794E}, star_rating={background={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, fill={color=#FFFF04, opacity=100, rgba=rgba(255, 255, 4, 1), rgb=rgb(255, 255, 4), hex=#FFFF04, css=#FFFF04}}}, tabs={fees={show=false, expanded=false, order_sequence=1, heading=Fees, labels={fee_frequency=Fee Frequency, duration_of_inactivity=Duration of Inactivity, duration_of_inactivity_indicator=Duration of Inactivity Indicator}}, promotions_terms_and_conditions={show=false, expanded=false, order_sequence=1, heading=Terms & Conditions, additional_offer=Additional Offer, exclusive_offer=Exclusive Offer, welcome_offer=Welcome Offer}, usage={show=false, expanded=false, order_sequence=1, heading=Usage, labels=[]}, show=true, features={show=true, expanded=true, order_sequence=1, heading=Features}, eligibility={show=true, expanded=false, order_sequence=1, heading=Eligibility, text=Eligibility}, basic_benefit={show=true, expanded=false, order_sequence=1, heading=Basic Benefits, items=[]}, enhanced_benefit={show=true, expanded=false, order_sequence=1, heading=Enhanced Benefits, items=[]}, other_benefit={show=true, expanded=false, order_sequence=1, heading=Other Benefits, items=[]}, benefit_limits={show=true, expanded=false, order_sequence=1, heading=Benefit Limits, items=[]}}, type=module}) null (SizeLimitingPyMap: {columns={hs_id=59168069870, hs_child_table_id=0, hs_updated_at=1707106784278, hs_published_at=1708590993288, productid=bltec4a53384fca7d8c_23_en-sg, data={"__typename":"BankAccount","id":"bltec4a53384fca7d8c_23_en-sg","image":{"url":"https://images.contentstack.io/v3/assets/bltc05b5aa7ae1c3a47/blt06cd186abc8df519/5c529d87e1cddf702db2c023/DBS.png","description":"TODO","dimension":null},"featured":false,"promotional":{"bannerText":"Enjoy up to <strong>3% p.a.</strong> interest rate on your savings with no min. transaction amount required. T&amp;Cs apply.","bannerImage":null,"countdown":{"text":"","displayProductPage":false,"date":{"startDate":null,"endDate":null}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"POPULAR","display":"Popular"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"MIN_DEPOSIT_AMOUNT","display":"Min. Initial Deposit"},"sortValue":0,"displayValue":"0","tooltip":null,"description":"","prefix":"S$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"INTEREST_RATE","display":"Min Annual Interest Rate"},"sortValue":-50,"displayValue":"0.05","tooltip":null,"description":"","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"MAX_INTEREST_RATE","display":"Max Annual Interest Rate"},"sortValue":-3000,"displayValue":"3","tooltip":null,"description":"","prefix":"","suffix":"%"}],"ctaButton":null,"functional":{"metaData":{"alias":"dbs-multiplier-account"},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"dbs","providerName":"DBS"},"description":{"shortDescription":[]},"productName":"DBS Multiplier Account","title":"SG.BA.DBSX0001.MULTIPLIERACCOUNT","features":{"title":"Features","pros":["Earn up to max. 3% p.a on your first S$100,000","Enjoy at least 0.30% p.a. interest rate by making a PayLah! retail spend, no min. transaction amount required","Boost interest rate by increasing your total eligible transactions per month (i.e. salary crediting, credit card spend, investments, insurance)","Transfer foreign currency funds overseas directly with your account at zero or lower fees. <a href=\"https://www.dbs.com.sg/personal/deposits/pay-with-ease/international-transfers\" target=_blank>Learn more.</a>","No initial deposit required","No monthly account fees","No minimum average daily balance required if this is your first DBS/POSB account","Insured up to S$75,000 by SDIC. Additional <a href=\"https://www.dbs.com.sg/personal/deposits/bank-earn/multiplier\" target=\"_blank\">T&Cs</a> apply.","Read our full review of the <a href=\"https://www.singsaver.com.sg/blog/dbs-multiplier-savings-account-review\" target=\"_blank\">DBS/POSB Multiplier Account</a>"],"cons":["Fall-below fee of S$5 if average daily balance falls below S$3,000","Early closure fees of S$30 if account is closed within 6 months"]},"eligibility":[{"type":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Monthly Income"},"value":"","description":{"shortDescription":"No Requirement","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_AGE","display":"Minimum Age"},"value":"18","description":{"shortDescription":"18","longDescription":null,"tooltip":null}}],"enableCountdown":false,"enableFlipBanner":false,"documents":null,"disclaimer":null,"applicationProcess":[{"type":null,"data":""}],"fees":[{"type":{"key":"FALL_BELOW_MIN_DEPOSIT_FEE","display":"FALL_BELOW_MIN_DEPOSIT_FEE"},"value":"5","description":{"shortDescription":"","longDescription":"","tooltip":null}}],"productPrivileges":null,"interestRateTiers":null,"imageOrientation":null}, hs_created_at=1672893166203, hs_is_edited=false, hs_deleted_at=0, productname=DBS Multiplier Account, hs_name=, hs_updated_by_user_id=60412388}, id=59168069870, table_id=4702395, table_name=product_singsaver})

#9: UOB One Credit Card

UOB_ONE-4

Needless to say, the UOB One Card stands out as one of the most well-rounded, versatile cashback cards currently. Renowned for its tiered cashback structure, new-to-UOB customers are entitled to up to 15% cashback while existing UOB customers earn up to 10% cashback depending on the monthly spend.

But how exactly? Here's a quick rundown:

 
Min. S$500 / S$1,000 spend
Min. S$2,000 spend
Base cashback
Quarterly 3.33%
Additional cashback
5%
6.67%
Enhanced cashback
(New-to-UOB customers only)
6.67%
5%
Total cashback
New-to-UOB customers: 15%
Existing UOB customers: 8.33% - 10%

Based on this structure, new-to-UOB customers can easily 15% cashback so long as they hit the minimum S$500 monthly spend. Meanwhile, existing UOB customers will earn either 8.33% cash rebate (with min. S$500/S$1,000 spend) or 10% cash rebate (with min. S$2,000 spend).

So far, these bonus cashback rates apply to transactions on public transport, Shopee, Dairy Farm International merchants, McDonald's, Grab, and UOB Travel. All other spend will earn the base 3.33% cashback  – provided that you fulfil the minimum spend.

❤️ Why we love this card:

  • Highest cashback rate of up to 15% on daily spend
  • Good all-rounder cashback card, can be paired with the UOB One Account

⚠️ But do take note:

  • Complicated cashback tier and minimum spend system (S$500/S$1,000/S$2,000)
  • Minimum spend needs to be fulfilled by at least 5 transactions per month for 3 consecutive months (per quarter)
  • Quarterly base cashback

⭐ Apply for this card if you: Spend at least S$500 per month, keep track of monthly expenses, and don't mind delayed cashback

💡 Pro-tip: Besides being a reliable everyday cashback card, earn up to 5% p.a. interest on your first S$100,000 saved under a UOB One Account when you spend at least S$500 per month with the UOB One Card – which you already will! 

Featured

UOB One Account

UOB One Account
See more
See less
Debug data (SizeLimitingPyMap: {badges={show=true, exclusive={background={color=#CCFBF1, opacity=100, rgba=rgba(204, 251, 241, 1), rgb=rgb(204, 251, 241), hex=#CCFBF1, css=#CCFBF1}, color={color=#0D968B, opacity=100, rgba=rgba(13, 150, 139, 1), rgb=rgb(13, 150, 139), hex=#0D968B, css=#0D968B}, text=Exclusive Offer}, featured={background={color=#FFF6EB, opacity=100, rgba=rgba(255, 246, 235, 1), rgb=rgb(255, 246, 235), hex=#FFF6EB, css=#FFF6EB}, color={color=#E9590C, opacity=100, rgba=rgba(233, 89, 12, 1), rgb=rgb(233, 89, 12), hex=#E9590C, css=#E9590C}, text=Featured}, welcome={background={color=#E5F4FF, opacity=100, rgba=rgba(229, 244, 255, 1), rgb=rgb(229, 244, 255), hex=#E5F4FF, css=#E5F4FF}, color={color=#0080F0, opacity=100, rgba=rgba(0, 128, 240, 1), rgb=rgb(0, 128, 240), hex=#0080F0, css=#0080F0}, text=Welcome Gift}, popular={background={color=#c6b0d9, opacity=100, rgba=rgba(198, 176, 217, 1), rgb=rgb(198, 176, 217), hex=#c6b0d9, css=#c6b0d9}, color={color=#9a6fbf, opacity=100, rgba=rgba(154, 111, 191, 1), rgb=rgb(154, 111, 191), hex=#9a6fbf, css=#9a6fbf}, text=Popular}, time_limited={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=Time Limited}, time_limited_countdown={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=}, best_value={background={color=#EBFEFF, opacity=100, rgba=rgba(235, 254, 255, 1), rgb=rgb(235, 254, 255), hex=#EBFEFF, css=#EBFEFF}, color={color=#088EAF, opacity=100, rgba=rgba(8, 142, 175, 1), rgb=rgb(8, 142, 175), hex=#088EAF, css=#088EAF}, text=Best Value}}, market=singsaver, product_money101={product=Optional.empty, comparables=[ANNUAL_FEE, MIN_SPEND_INSTALMENTS_TAX, MAX_CASHBACK_ONLINE_SHOPPING], ad_hoc_comparables=[], comparable_order=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, product_moneyhero={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, product_moneymax={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, product_singsaver={comparables=[APR_WITH_YEARLY_INTEREST_RATE], product={id=59168069864, table_id=4702395, table_name=product_singsaver, columns={hs_id=59168069864, hs_child_table_id=0, hs_updated_at=1708524033058, hs_published_at=1708590993288, productid=blt4bb8fe9c5c60dc2c_49_en-sg, data={"__typename":"BankAccount","id":"blt4bb8fe9c5c60dc2c_49_en-sg","image":{"url":"https://images.contentstack.io/v3/assets/bltc05b5aa7ae1c3a47/bltb5cd299ee06025b0/5c529d87f1667cd10b7839e3/UOB.png","description":"","dimension":null},"featured":true,"promotional":null,"comparables":[{"__typename":"CompareElementSimple","title":{"key":"MIN_DEPOSIT_AMOUNT","display":"Min. Initial Deposit"},"sortValue":1000000,"displayValue":"1,000","tooltip":null,"description":"","prefix":"S$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"INTEREST_RATE","display":"Min Annual Interest Rate"},"sortValue":-50,"displayValue":"0.05","tooltip":null,"description":"","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"MAX_INTEREST_RATE","display":"Max Annual Interest Rate"},"sortValue":-7800,"displayValue":"7.8","tooltip":null,"description":"","prefix":"","suffix":"%"}],"ctaButton":null,"functional":{"metaData":{"alias":"uob-one-account"},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"uob","providerName":"UOB"},"description":{"shortDescription":[]},"productName":"UOB One Account","title":"SG.BA.UOBX0001.ONEACCOUNT","features":{"title":"Features","pros":["Earn up to 7.8% interest p.a. on your first S$75,000 when you credit a min. salary of S$1,600 or make 3 GIRO transactions monthly and make a min. credit card spend of S$500","Choose between salary crediting or GIRO transactions to score higher interest rates, lowered salary requirement of $1,600","Earn up to 10% cash rebate when you spend on your UOB One Credit Card or Debit Card","Link Mighty FX to your One Account for competitive exchange rates","UOB Mighty mobile app allows for tracking of transactions that earn bonus interest","Insured up to S$75,000 by SDIC. Additional <a href=\"https://assets.contentstack.io/v3/assets/bltc05b5aa7ae1c3a47/bltc51656c14e74a2c5/6204c2de433b4e498f669a3a/depositins-register.pdf\" target=\"_blank\">T&Cs</a> apply.","6-month fall-below fee waiver for accounts opened online","Read our full review of the <a href=\"https://www.singsaver.com.sg/blog/uob-one-account-review\" target=\"_blank\">UOB One Account</a>"],"cons":["Fall-below fee of S$5 if average monthly balance falls below S$1,000","Early closure fees of S$30 if account is closed within 6 months"]},"eligibility":[{"type":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Monthly Income"},"value":"0","description":{"shortDescription":"No Requirement","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_AGE","display":"Minimum Age"},"value":"18","description":{"shortDescription":"18","longDescription":null,"tooltip":null}}],"enableCountdown":true,"enableFlipBanner":false,"documents":null,"disclaimer":null,"applicationProcess":[{"type":null,"data":""}],"fees":[{"type":{"key":"FALL_BELOW_MIN_DEPOSIT_FEE","display":"FALL_BELOW_MIN_DEPOSIT_FEE"},"value":"5","description":{"shortDescription":"","longDescription":"","tooltip":null}}],"productPrivileges":null,"interestRateTiers":null,"imageOrientation":null}, hs_created_at=1708524033058, hs_is_edited=false, hs_deleted_at=0, productname=UOB One Account, hs_name=, hs_updated_by_user_id=60412388}}, ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, promotional={display_within_collapsible=true, show_banner=true, show_promotional_in_card=true}, static_text={rewards=Exclusive SingSaver Promotion, see_more=See more, see_less=See less, cta_button_label=Apply Now, cta_button_subtext=, yes=Yes, no=No, day=Day, days=Days}, style={primary={color=#00AAFB, opacity=100, rgba=rgba(0, 170, 251, 1), rgb=rgb(0, 170, 251), hex=#00AAFB, css=#00AAFB}, call_to_action_background={color=#F97316, opacity=100, rgba=rgba(249, 115, 22, 1), rgb=rgb(249, 115, 22), hex=#F97316, css=#F97316}, call_to_action_color={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, call_to_action_subtext_color={color=#687076, opacity=100, rgba=rgba(104, 112, 118, 1), rgb=rgb(104, 112, 118), hex=#687076, css=#687076}, theme=default, summary_section_label={color=#18794E, opacity=100, rgba=rgba(24, 121, 78, 1), rgb=rgb(24, 121, 78), hex=#18794E, css=#18794E}, star_rating={background={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, fill={color=#FFFF04, opacity=100, rgba=rgba(255, 255, 4, 1), rgb=rgb(255, 255, 4), hex=#FFFF04, css=#FFFF04}}}, tabs={eligibility={show=true, expanded=false, order_sequence=1, heading=Eligibility, text=Eligibility}, fees={show=false, expanded=false, order_sequence=1, heading=Fees, labels={fee_frequency=Fee Frequency, duration_of_inactivity=Duration of Inactivity, duration_of_inactivity_indicator=Duration of Inactivity Indicator}}, promotions_terms_and_conditions={show=false, expanded=false, order_sequence=1, heading=Terms & Conditions, additional_offer=Additional Offer, exclusive_offer=Exclusive Offer, welcome_offer=Welcome Offer}, usage={show=false, expanded=false, order_sequence=1, heading=Usage, labels=[]}, show=true, features={show=true, expanded=true, order_sequence=1, heading=Features}, basic_benefit={show=true, expanded=false, order_sequence=1, heading=Basic Benefits, items=[]}, enhanced_benefit={show=true, expanded=false, order_sequence=1, heading=Enhanced Benefits, items=[]}, other_benefit={show=true, expanded=false, order_sequence=1, heading=Other Benefits, items=[]}, benefit_limits={show=true, expanded=false, order_sequence=1, heading=Benefit Limits, items=[]}}, type=module}) null (SizeLimitingPyMap: {columns={hs_id=59168069864, hs_child_table_id=0, hs_updated_at=1708524033058, hs_published_at=1708590993288, productid=blt4bb8fe9c5c60dc2c_49_en-sg, data={"__typename":"BankAccount","id":"blt4bb8fe9c5c60dc2c_49_en-sg","image":{"url":"https://images.contentstack.io/v3/assets/bltc05b5aa7ae1c3a47/bltb5cd299ee06025b0/5c529d87f1667cd10b7839e3/UOB.png","description":"","dimension":null},"featured":true,"promotional":null,"comparables":[{"__typename":"CompareElementSimple","title":{"key":"MIN_DEPOSIT_AMOUNT","display":"Min. Initial Deposit"},"sortValue":1000000,"displayValue":"1,000","tooltip":null,"description":"","prefix":"S$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"INTEREST_RATE","display":"Min Annual Interest Rate"},"sortValue":-50,"displayValue":"0.05","tooltip":null,"description":"","prefix":"","suffix":"%"},{"__typename":"CompareElementSimple","title":{"key":"MAX_INTEREST_RATE","display":"Max Annual Interest Rate"},"sortValue":-7800,"displayValue":"7.8","tooltip":null,"description":"","prefix":"","suffix":"%"}],"ctaButton":null,"functional":{"metaData":{"alias":"uob-one-account"},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"uob","providerName":"UOB"},"description":{"shortDescription":[]},"productName":"UOB One Account","title":"SG.BA.UOBX0001.ONEACCOUNT","features":{"title":"Features","pros":["Earn up to 7.8% interest p.a. on your first S$75,000 when you credit a min. salary of S$1,600 or make 3 GIRO transactions monthly and make a min. credit card spend of S$500","Choose between salary crediting or GIRO transactions to score higher interest rates, lowered salary requirement of $1,600","Earn up to 10% cash rebate when you spend on your UOB One Credit Card or Debit Card","Link Mighty FX to your One Account for competitive exchange rates","UOB Mighty mobile app allows for tracking of transactions that earn bonus interest","Insured up to S$75,000 by SDIC. Additional <a href=\"https://assets.contentstack.io/v3/assets/bltc05b5aa7ae1c3a47/bltc51656c14e74a2c5/6204c2de433b4e498f669a3a/depositins-register.pdf\" target=\"_blank\">T&Cs</a> apply.","6-month fall-below fee waiver for accounts opened online","Read our full review of the <a href=\"https://www.singsaver.com.sg/blog/uob-one-account-review\" target=\"_blank\">UOB One Account</a>"],"cons":["Fall-below fee of S$5 if average monthly balance falls below S$1,000","Early closure fees of S$30 if account is closed within 6 months"]},"eligibility":[{"type":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. Monthly Income"},"value":"0","description":{"shortDescription":"No Requirement","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_AGE","display":"Minimum Age"},"value":"18","description":{"shortDescription":"18","longDescription":null,"tooltip":null}}],"enableCountdown":true,"enableFlipBanner":false,"documents":null,"disclaimer":null,"applicationProcess":[{"type":null,"data":""}],"fees":[{"type":{"key":"FALL_BELOW_MIN_DEPOSIT_FEE","display":"FALL_BELOW_MIN_DEPOSIT_FEE"},"value":"5","description":{"shortDescription":"","longDescription":"","tooltip":null}}],"productPrivileges":null,"interestRateTiers":null,"imageOrientation":null}, hs_created_at=1708524033058, hs_is_edited=false, hs_deleted_at=0, productname=UOB One Account, hs_name=, hs_updated_by_user_id=60412388}, id=59168069864, table_id=4702395, table_name=product_singsaver})

UOB ONE Card Welcome Offer: Get S$350 Grab Vouchers if you are the first 200 new-to-UOB credit cardmember and make a min. spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 29 February 2024. T&Cs apply.

Also, get up to 15% cashback on quarterly spend from selected merchants and services if you sign up within the promotional period. Valid till 31 March 2024. T&Cs apply.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 31 March 2024. T&Cs apply.


Best unlimited cashback credit cards in Singapore

Citi Cash Back+ Credit Card

Citibank charges into the unlimited cashback fray with the 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. 

SS_CC_FD_BLOGARTICLE_800x250-1

SingSaver Exclusive Flash Deal⚡: The first 5 applicants of any Citi credit card at 12pm and 3pm daily will receive a PlayStation®5 Disc Console (Slim) (worth S$799) or S$500 eCapitaVoucher on top of existing promotional offers. Valid till 29 February 2024. T&Cs apply.

CITI_BLOGARTICLE_800x250-2

SingSaver's Exclusive Offer: Receive the following rewards when you sign up for a Citi Cashback+ Card:

Receive an Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or a Dyson V8 Slim Fluffy (worth S$509) or Nintendo Switch OLED (worth S$549) or S$300 cash via PayNow upon activating and spending a min. of S$500 within 30 days of card approval. Valid till 29 February 2024. T&Cs apply.


Standard Chartered Simply Cash Credit Card

SimplyCash_front
The Standard Chartered Simply Cash Credit Card 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.

SS_CC_FD_BLOGARTICLE_800x250-1

SingSaver Exclusive Flash Deal⚡: The first 5 applicants of any SCB credit card at 12pm and 3pm daily will receive a PlayStation®5 Disc Console (Slim) (worth S$799) or S$500 eCapitaVoucher on top of existing promotional offers. Valid till 29 February 2024. T&Cs apply.

SCB_Simply_Cash_BLOGARTICLE_800x250-1

SingSaver's Exclusive Offer: Enjoy the following rewards when you sign up for a Standard Chartered Simply Cash Card. Eligible for new Standard Chartered cardholders only.

Receive a Dyson SuperSonic (worth S$699) or Dyson AM07 + $50 eCapita Voucher Bundle (worth S$509) or Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or up to $330 upon activating and spending min. $500 spend within 30 days of card approval. Also, get an additional S$20 e-Capitaland voucher when you make a min. spending of $1,000 in your 2nd month. T&Cs apply.

Plus, get an additional $20 e-capitaland voucher when you split the payment for your purchases with SCB Easy Pay, pay your bills with SCB Easybill or put any of your purchases on instalment in SCB Savings Account or Current Account within 60 days of approval. Valid till 29 February 2024. T&C applies.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 31 March 2024. T&Cs apply.


American Express True Cashback Credit 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.

AMEX_TCB_BLOGARTICLE_800x250

SingSaver's Exclusive Offer: Enjoy the following reward when you sign up for an American Express True Cashback Card:

Receive S$150 Upsized Cash via PayNow when you spend a min. of S$500 within 30 days of card approval. Valid for new to American Express cardmembers only. Valid till 31 March 2024. T&Cs apply.


CIMB World Mastercard

CIMB World MasterCard

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 to 1%.

For all other spends, you’ll earn unlimited 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. 

SS_CC_FD_BLOGARTICLE_800x250-1

SingSaver Exclusive Flash Deal⚡: The first 5 applicants of any CIMB credit card at 12pm and 3pm daily will receive a PlayStation®5 Disc Console (Slim) (worth S$799) or S$500 eCapitaVoucher on top of existing promotional offers. Valid till 29 February 2024. T&Cs apply.

CIMB_CC_FLUJO_BLOGARTICLE_800x250-1

SingSaver Exclusive Offer: Receive the following rewards when you sign up for a CIMB World Mastercard:

Receive a Flujo BEA Ergonomic Office Chair (worth S$509) or +PLUS Chelsea Check-In 22" Luggage (worth S$449) or a Nintendo Switch Lite (worth S$309) or S$280 Cash via PayNow upon activating and spending min. $988 for 60-day periods following card approval. Valid till 29 February 2024. T&Cs apply.


Cashback credit cards: Summary

Credit Card Best for/Benefits Details Min. Annual Income
✅ With min. spend and cashback cap
Citi Cash Back Card
- 8% cashback on Groceries and Petrol

- 6% cashback on Dining

- 0.25% cashback on all other spending
- Min. S$800 monthly spend

- S$80 cashback cap (per statement month)

- Annual fee: S$196.2 (First year free)
- Local/PR: S$30,000

- Foreigner: S$42,000
CIMB Visa Signature Card
CIMBVisaSignatureCard-4
- 10% cashback on Online Shopping, Groceries, Beauty & Wellness, Pet Shops & Vet services, and Cruises

- Unlimited 0.2% cashback for all other spending
- 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
- Local/PR: S$30,000
Maybank Family & Friends Card
Maybank-FamilyFriends_card-1024x697
 
- 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$181.80 (First 3 years free)
- Local/PR: S$30,000

- Malaysian Citizen: S$45,000

- Foreigner: S$60,000
POSB Everyday Card

POSB_everyday_card_front_RGB_1920x1080_20190723

 

No min. spend
 - 5% cash rebate on Sheng Siong Groceries
 
- Up to 3% cash rebate on Utilities
 
- 20.1% + 2% savings on SPC Fuel and SpeedyCare respectively
 
- 3% cash rebate at Pet Lovers Centre with min. S$15 spend
 
Min. S$800 spend
 - 10% cash rebate on Online Food Delivery (foodpanda, Deliveroo)
 
- 3% cash rebate on Dining
 
- 5% cash rebate on Online Shopping (e.g. Lazada, Shopee, Taobao, etc.)
 
- 8% cash rebate at POPULAR online and in-stores
 
- Extra 2% cash rebate at SPC
 
- 3% cash rebate on Telco
- Min. S$800 monthly spend to earn highest cash rebate
 
- Capped at Daily$15 (per calendar month) per category, Daily$3 on bills, and no cap at Pet Lovers Centre
 
- Annual fee: S$196.20 (First year free)
 
 
- Local/PR: S$30,000
 
- Foreigner: S$45,000
UOB EVOL Card
uob-evol-1024x644
- 8% cashback on Online Spend

- 8% cashback on Mobile Contactless Spend

- 0.3% cashback on all other spending
- Min. S$600 monthly spend

- S$60 cashback cap (per statement month), and up to S$20 per category

- Annual fee: S$196.20 (Waived when you make a min. 3 transactions every month for 12 consecutive months)
- Local/PR: S$30,000

- Foreigner: S$40,000
DBS Live Fresh Card
DBS-Live-Fresh-Student-Card-1

 

 

- 5% cashback on Public Transport, Online, and Mobile Contactless Spend
 
- Extra 5% cashback on selected Eco-Friendly Merchants
 
- 0.3% cashback on all other spending
- Min. S$600 monthly spend
 
- S$75 cashback cap (per calendar month), and up to S$20 per category and S$15 for all other spending
 
- Annual fee: S$196.20 (First year free)
- Local/PR: S$30,000
 
- Foreigner: S$45,000
OCBC FRANK Card
ocbc_card_Frank-3

 

- 8% cashback on Foreign Currency (FCY) Spend 
 
- 8% cashback on Online and Mobile Contactless Spend
 
- Extra 2% cashback on selected Eco-Friendly Merchants
 
- 0.3% cashback on all other spending
- Min. S$800 monthly spend
 
- S$100 cashback cap (per calendar month), and up to S$25 per category
 
- Annual fee: S$196.20 (First 2 years free)
- Local/PR: S$30,000
 
- Foreigner: S$45,000
 
OCBC 365 Card
OCBC365
- 5% cashback on Dining and Online Food Delivery

- 6% cashback on Petrol

- 3% cashback on Groceries, Land Transport, Utilities, Streaming Subscriptions, Drugstore and Electric Vehicle Charging

- 0.25% cashback on all other spending
- 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$196.20 (First 2 years free)
- Local/PR: S$30,000

- Foreigner: S$45,000
UOB One Card
UOB_ONE-4
- New-to-UOB customers: Up to 15% cashback on public transport, McDonald's, Shopee, Dairy Farm International merchants, Grab, and UOB Travel
 
- Up to 22.66% fuel savings at Shell and SPC
 
- Existing UOB customers: Up to 10% cashback 
- Min. S$500 / S$1,000 / S$2,000 monthly spend 
 
- Min. spend must be spread across at least 5 transactions per statement month for 3 consecutive months (each quarter) to qualify for cashback
 
- Annual fee: S$196.20 (First year free)
Local/PR: S$30,000
 
Foreigner: S$40,000
HSBC Advance Card
HSBC-Advance-Card-1

 

- Up to 2.5% cashback on all spend
 
- Up to 3.5% cashback with HSBC Everyday+ Account
 
- Up to S$500,000 complimentary Travel Insurance
- Min. S$2,000 monthly spend (2.5% cashback)
 
- No min. spend (1.5% cashback)
 
- S$70 cashback cap (per calendar month)
 
- Annual fee: S$196.20 (First year free), spend min. S$12,500 per year for subsequent fee waivers
 
- Up to 5 free Supplementary Cards
Local/PR: S$30,000
 
Foreigner: S$40,000
Credit Card Best for/Benefits Details Min. Annual Income
❌ No min. spend and no cashback cap
Citi Cash Back+ Card
citicashbackplus-1
- 1.6% unlimited cashback on all spending
- No min. spend required

- No cap on cashback earned

- Annual fee: S$196.20 (First year free)
- Local/PR: S$30,000

- Foreigner: S$42,000
AMEX True Cashback Card
amex-true-cashback
- 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
- No min. spend required

- No cap on cashback earned

- Annual fee: S$174.40 (First year free)
- Local/PR: S$30,000
Standard Chartered Simply Cash Card
SimplyCash_front
- 1.5% unlimited cashback on all spending
 
- No min. spend required

- No cap on cashback earned

- Annual fee: S$196.20 (First 2 years free)
- Local/PR: S$30,000

- Foreigner: S$60,000
UOB Absolute Cashback Card
uob-absolute-cardface
- 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$196.20 (First year free)
- Local/PR: S$30,000

- Foreigner: S$40,000
Maybank FC Barcelona Visa Signature Card
maybank-fcb-visasig
- 1.6% unlimited cashback on all local spending
- No min. spend required

- No cap on cashback earned
 
- Annual fee: S$121.20 (First 2 years free)
- Local/PR: S$30,000

- Malaysian Citizen: S$45,000

- Foreigner: S$60,000
CIMB World Mastercard

 

- 2% unlimited cashback on Dining & Online Food Delivery, Movies & Digital Entertainment, Taxi & Automobile, and Luxury Goods
 
- 1% unlimited cashback on all other spending
 
- 50% off Green Fees at regional golf courses
 
- US$32 per pax per visit to LoungeKey airport lounges worldwide
- Min. S$1,000 monthly spend (2% cashback), otherwise 1% cashback only
 
- Min. S$500 monthly spend (1% cashback on all other spending)
 
- No cashback cap
 
- No annual fees
 
Local/PR: S$30,000
 
 
CIMB Visa Infinite Card

 

- 2% unlimited cashback on Travel, Overseas Spend, and Online Spend in Foreign Currencies
 
- 1% unlimited cashback on all other spending
 
- 3 complimentary Airport Lounge Visits per year and up to 25% off selected Airport Dining worldwide
 
- 5% off for Airport Limo Transfer and Meet & Greet Services
 
- Up to S$1 million complimentary Travel Insurance
- Min. S$2,000 monthly spend 
 
- No cashback cap
 
- No annual fees
Local/PR: S$120,000

Credit card offers are subject to changes at any given time.


How do cashback credit cards work?

Credit cards (including miles and rewards cards) come with an extensive set of criteria and T&Cs. Here are some terms unique to cashback cards to familiarise yourself with:

  • Monthly cap on cashback you can receive per month
  • Monthly minimum spend before you qualify for the advertised bonus cashback rate. Minimum spend is not usually required to earn base cashback.
  • Different cashback rates depending on merchants and minimum spend tiers
  • Specific merchant partners such as specific petrol chains (i.e. Caltex) or supermarket chains (eg. Cold Storage)
  • Frequency of cashback differs across cards, ranging from "within the same month", "the following month", or "per quarter basis" 
  • Type of cashback differs where cash can either be issued out as cash to offset your next month's bill or as the bank's form of rebate (e.g. Daily$ from DBS/POSB)

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.

 

At SingSaver, we make personal finance accessible with easy to understand personal finance reads, tools and money hacks that simplify all of life’s financial decisions for you.

FINANCIAL TIP:

Use a personal loan to consolidate your outstanding debt at a lower interest rate!

Sign up for our newsletter for financial tips, tricks and exclusive information that can be personalised to your preferences!