#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.
#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.
#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.
Best cashback credit cards: No minimum spend and cashback cap
Best For | Cashback Rate | Fee Waiver | |
Citi Cash Back+ Credit Card | High cashback rate regardless of spending category | 1.6% on all spends | 1-year annual fee waiver |
Standard Chartered SimplyCash Credit Card | Instant digital credit card | 1.5% on all spends | 2-year annual fee waiver |
American Express True Cashback Card | Purchasing big ticket items in the first 6 months | 1.5% on all spends and 3% cashback on first S$5,000 in the first 6 months | 1-year annual fee waiver |
CIMB World Mastercard | Dining, online food delivery, entertainment, taxi and luxury goods transactions | 2% on wine & dine, online food delivery, movies & digital entertainment, taxi & automobile and luxury goods 1.5% on all other spends |
No fees for life |
#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 seeking to earn cashback across multiple transaction types.
#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.
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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