Best Credit Cards For Your Favourite Streaming Services Like Netflix, Spotify, Disney+, and More

Emma Lam

Emma Lam

Last updated 01 January, 2024

Sit back, relax, and let these credit cards earn rebates for all your streaming service subscriptions.

Consider yourself a movie junkie, sitcom lover, k-drama addict, or music connoisseur? Don’t let finances hold you back from indulging in your favourite entertainment – take advantage of these credit cards to earn some cashback, miles, or rewards points on these streaming subscriptions that you can’t live without.

Here are the best credit cards for streaming service subscriptions in Singapore to maximise your Netflix and Chill sessions or help you vibe to Spotify music with a better peace of mind.

Table of contents


Disclaimer: While some T&Cs might not deliberately exclude MCCs 4899 and 5815, the eligibility of streaming service subscriptions is subject to each individual bank's discretion.


Overview: Best credit cards for streaming service subscriptions in Singapore

If you’re familiar with merchant category codes (MCCs), streaming service subscriptions tend to fall under the following MCCs:

  • MCC 4899 (Cable, Satellite, and Other Pay Television, and Radio Services)
  • MCC 5815 (Digital Goods – Books, Movies, Music Entertainment & Gaming)

Out of which, TV and movie streaming services like Netflix and Disney+ belong to the former MCC 4899, while music streaming services like Spotify belong to the latter MCC 5815.

That said, below is an overview compilation of all our recommended credit cards for streaming services.

Note: “XX mpd” refers to “XX miles per S$1 spend”.

Credit card
Key benefits & details
Maybank Family & Friends Card
maybank-family-friends-mastercard
8% cashback on 5 preferred categories 
e.g. “Data Communication & Online TV Streaming” category
  • Netflix
  • Disney+
UOB EVOL Card
8% cashback on online and mobile contactless spend
 
Min. S$600 monthly spend
 
Capped at S$60 cashback (per statement month):
  • S$20 on online spend
  • S$20 on mobile contactless spend
  • S$20 on all other spend
HSBC Advance Card
Up to 3.5% cashback on all eligible spend:
  • Up to 2.5% base cashback
  • Additional 1% HSBC Everyday+ cashback with HSBC Everyday Global Account
Base cashback capped at $70 per month
 
Bonus cashback capped at S$300/$500 per month
 
Standard Chartered Smart Card
Up to 6% cashback on Netflix, Spotify, Youtube, Disney+
 
Otherwise, up to 19.2 Rewards Points (or 7.7 mpd) when used with SCB X Card or SCB Visa Infinite Card
 
No min. spend
 
S$818 spend cap per calendar month
 
Citi Rewards Card
Up to 10X Rewards Points (or 4 mpd) on eligible online spend
 
No min. spend
 
S$1,000 spend cap per statement month
 
UOB PRVI Miles Card
uob-prvi-amex-resized-3

 

 

uob-prvi-resized-e1548402137533-2

 

 

3.5X UNI$ per S$5 spend (1.4 mpd) on local spend
 
2.5X UNI$ per S$5 spend (1 mpd) on recurring bills, rent, taxes, and one-off big-ticket purchases via UOB Payment Facility
 
No min. spend
Standard Chartered Simply Cash Card
1.5% unlimited cashback on all eligible spend
 
No min. spend 
 
No cashback cap

New-to-SCB customers
Extra 0.2% to earn a total of 1.7% unlimited cashback on all eligible spend
 
Min. S$1,500 monthly spend
Capped at S$25 cashback (per statement month)
 
Promo rate valid till 31 Mar 2023
 
UOB Absolute Cashback Card
1.7% unlimited cashback on all eligible spend
 
No min. spend
 
No cashback cap
 
Citi Cash Back+ Card
1.6% unlimited cashback on all eligible spend
 
No min. spend
 
No cashback cap

Bonus 0.4% to earn a total of 2% unlimited cashback for Citi Plus customers who are Primary Account Holders of a Citi Interest Booster Account
 
Min. S$500 monthly spend, capped at S$2000 spend
 
Bonus cashback is capped at S$8 (per calendar month)
 
Maybank FC Barcelona Visa Signature Card
1.6% unlimited cashback on all eligible spend
 
No min. spend
 
No cashback cap
 
AMEX True Cashback Card
1.5% unlimited cashback on all eligible spend
No min. spend
No cashback cap

3% cashback welcome bonus on up to S$5,000 spend within first 6 months of card approval
 

Best cashback credit cards for streaming service subscriptions

#1 Maybank Family & Friends Card

maybank-family-friends-mastercard

Key benefits
8% cashback on five preferred categories (out of 10)
Cashback capped at S$125 (per calendar month); S$25 per category
Annual fee
S$194.40 (First 3 years waived)
Minimum monthly spend
S$800
Minimum income requirement
Singaporeans & PRs: S$30,000
Foreigners: S$80,000
Minimum age
21

The Maybank Family & Friends Card is one of the top-earning cashback cards out there – rewarding cardholders with 8% cashback on five preferred categories, out of ten. These categories include:

  • Groceries
  • Dining & food delivery
  • Transport
  • Data communication & online TV streaming
  • Retail & pets
  • Online fashion
  • Entertainment
  • Pharmacy
  • Sports & sports apparel
  • Beauty & wellness

As one of the available categories is “Data Communication & Online TV Streaming”, this means that your TV and movie streaming services like Netflix and Disney+ are eligible for cashback if you pay their recurring monthly subscriptions with this card.

You’ll need to meet its minimum monthly spend requirement of S$800 and its cashback is capped at S$125 per calendar month. This cap is further broken down to S$25 per category.

To our knowledge, Spotify isn’t qualified for cashback because its merchant category (MCC 5815) isn’t listed as an eligible merchant under the card’s T&Cs. Only MCC 4899 for cable, satellite, and other pay TV services such as Netflix and Disney+ subscriptions are counted.

Otherwise, all other eligible spend is subjected to only 0.3% cashback.


#2 UOB EVOL Card

uob-evol-1024x644
Key benefits
8% cashback on online and mobile contactless spend
Cashback capped at S$60 (per statement month); S$20 per category
Annual fee
S$196.20 (Waived with 3 min. eligible transactions per month)
Minimum monthly spend
S$600
Minimum income requirement
Singaporeans & PRs: S$30,000
Foreigners: S$80,000
Minimum age
21

Another alternative cashback card to consider is the UOB EVOL Card. Similarly to Maybank Family & Friends, it features a sweet 8% cashback on all eligible online and mobile contactless spend.

On the minimum spend front, you’ll only need to spend S$600 per month as compared to the higher S$800 or S$1,000/S$2,000 requirement imposed by other cards. This 8% cashback is capped at S$60 per statement month, split into S$20 per category.

Note: Online spend and Mobile contactless spend are counted as two separate categories. The last category refers to all other spend.

As far as streaming services are concerned, there is no mention of their MCCs being disqualified as eligible merchants according to UOB EVOL’s T&Cs. This is what leads me to believe that it’s worth trying to pay your recurring streaming subscription bills with the UOB EVOL Card to see if it earns the 8% cashback.

Otherwise, you might still earn 0.3% cashback on them if they’re considered as “all other spend”.  

So although not explicitly stated, we’ll consider it worth a shot to try earning cashback on streaming subscriptions on it.

UOB EVOL Card Welcome Offer: Get an Apple Watch SE 2nd Gen with CASETiFY Impact Band (worth S$453) when you are one of the first 50 new-to-UOB credit card customer to successfully apply for the card and spend a minimum of S$1,000 per month for 2 consecutive months from card approval date. Valid till 31 July 2024. T&Cs apply.

Read our full UOB EVOL Card review here.


#3 HSBC Advance Card

HSBC-Advance-Card-1

Key benefits
Up to 2.5% base cashback:
  • 1.5% cashback with no min. spend
  • 2.5% cashback with min. S$2,000 spend
Earn 1% bonus cashback with an HSBC Everyday Global Account under the HSBC Everyday+ Rewards Programme – brings total cashback to 3.5%
Annual fee
S$196.20 (1st year waived)
Minimum monthly spend
NIL to earn 1.5% base cashback
S$2,000 to earn 2.5% base cashback
Minimum income requirement
Singaporeans & PRs: S$30,000
Foreigners: S$40,000
Minimum age
21

Now, the HSBC Advance Card is a unique combination of a regular cashback and unlimited cashback card. Why? For the very simple fact that it offers both unconditional and conditional cashback.

Up to 2.5% base cashback

In terms of unconditional cashback, you can earn 1.5% base cashback with no minimum spend on the card – which makes it straightforward and easy to spend with like unlimited cashback cards

However, if you want to tier up, that’s where the conditional cashback kicks in. You’ll need to fulfil their S$2,000 minimum monthly spend requirement to attain 2.5% base cashback. 

Note: Regardless of whether you earn 1.5% or 2.5% cashback, the base cashback is capped at S$70 per calendar month.

Up to 3.5% cashback, inclusive of 1% bonus cashback

And after that, if you want to hit their highest 3.5% cashback tier, you’ll need to open an HSBC Everyday Global Account to earn bonus 1% cashback under their HSBC Everyday+ Rewards Programme. This bonus cashback is capped at S$300 or S$500 per month, depending on what kind of HSBC banking customer you are. 

But even then, 3.5% cashback isn’t significantly remarkable when compared to regular cashback credit cards.

However, because the HSBC Advance Card markets itself as a “simple and hassle-free” cashback card, this 3.5% cash rebate does stand out from an unlimited cashback card standpoint (and you’ll see why in our later segment).

Other than that, the HSBC Advance Card is essentially a decent cashback card with a “fail-safe mechanism” where you’re guaranteed cashback regardless of spend amount. If you manage to spend S$2,000 eligible transactions that month, great! You’ll earn 2.5% cashback. Otherwise, you’ll still earn 1.5% cashback. 

In any case, this card doesn’t discriminate much in eligible merchants since all spend is as good as gold so long it doesn’t fall under the typical excluded MCCs. And based on the T&Cs, your Spotify, Netflix, Disney+ and every other streaming subscription in between seems qualified for cashback.

But again, try renewing your subscriptions with the HSBC Advance Card at your own risk.

⭐HSBC CC Lucky Draw⭐: Apply for an HSBC Credit Card and get the chance to win a Mercedes-Benz EQB or 86,000 KrisFlyer miles (enough for a round-trip economy class ticket to Paris). Get up to 30+ chances to win when you apply for HSBC Credit Cards and spend a minimum of S$500. Valid till 23 September 2024. T&Cs apply.

📣ONLY AVAILABLE ON SINGSAVER📣: Enjoy the following rewards when you sign up for an HSBC Advance Credit Card.

HSBC_Advance_BLOGARTICLE_800x250

Receive a Dyson V8 Slim™ Fluffy (worth S$509) or an Apple iPad 9th 10.2" WiFi 64GB (worth S$508.30) or a BEA Office Chair (worth S$509) or S$350 eCapitaVoucher upon activating and spending min. S$500 by end of the following calendar month from the card account opening date and providing marketing consent. Valid till 21 July 2024.  T&Cs apply.

Rewards Upgrade Campaign_BLOGARTICLE_800x250

⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up as low as S$100. Valid till 31 July 2024. T&Cs apply.

  • S$100 for an Apple iPad 10th Gen 10.9 wifi 64GB worth (S$529.00)
  • S$250 for an Apple Watch Series 9 (GPS), 41mm worth (S$604.50)
  • S$200 for a Sony HT-AX7 Portable Theatre System worth (S$769.00)
  • S$588 for a Sony ZV-1M2 Vlog Camera worth (S$1,209.00)
  • S$980 for a Macbook Air 13" 256GB M3 worth (S$1,599.00)
  • S$1,099 for an Apple iPhone 15 Pro 128GB worth (S$1,664.25)

You can read our full HSBC Advance Card Review here.

Read more:
Best HSBC Credit Card Promotions: HSBC Revolution vs HSBC Advance vs HSBC Visa Platinum Card Comparison Review
3 Reasons Why HSBC Everyday Global Account is Made For Young Professionals

Any unlimited cashback card: Citi Cash Back+, SCB Simply Cash, UOB Absolute Cashback, AMEX True Cashback, Maybank FC Barcelona Visa Signature

Citi Cash Back+ Card

Standard Chartered Simply Cash Card
UOB Absolute Cashback Card
AMEX True Cashback Card
Maybank FC Barcelona Visa Signature Card

As far as unlimited cashback cards go, these types of credit cards are the safest bets when paying for tricky merchants like bills, taxes, fees, and subscription fees. 

Although these cards offer lower rates ranging between 1.5% to 1.7% cashback, they tend to accept otherwise commonly excluded MCCs as eligible merchants. Thus, this allows cardholders to earn some rebate on recurring payments, despite the minimal cashback rate. 

But hey, it’s better than nothing! 🤷🏼‍♀️

Read more:
6 Reasons Why Your First Credit Card Should Be an Unlimited Cashback Card
Best Unlimited Cashback Credit Cards in Singapore (2023)
Credit Card Comparison: AMEX True Cashback vs Citi Cash Back+ vs SCB Simply Cash


Best miles / rewards credit cards for streaming service subscriptions

#1 Standard Chartered Smart Card

SCB_SMART_CARD-w1920

Key benefits
6% cashback on selected everyday spend categories like fast food restaurants, coffee & toast, digital subscriptions, public transport
 
Up to 7.7 mpd (or 19.2 360° Rewards Points) with SCB X Card or SCB Visa Infinite Card 
Annual fee
NIL
Minimum monthly spend
NIL
Minimum income requirement
Singaporeans & PRs: S$30,000
Foreigners: S$60,000
Minimum age
21

Honestly, the Standard Chartered (SCB) Smart Card is one of the MVPs for credit cards catering to subscriptions. Although technically classified as an SCB cashback card, we’ll show you why it’s more useful as a miles credit card instead.

By default, it offers up to 6% cashback on selected everyday spend categories like fast food restaurants, public transport (SimplyGO), and streaming service subscriptions. So far, it has the most robust list of qualifying digital subscriptions such as Netflix, Disney+, Spotify, and Youtube.

The minimum cashback redemption rate is 3,200 360° Rewards Points = S$10.

However, if cashback isn’t your cup of tea, fret not. Stand to earn up to 7.7 mpd (or 19.2 360° Rewards Points) when you convert your points to miles with either the SCB X Card or SCB Visa Infinite Card.

💡Pro-tip: The 19.2 360° Rewards Points is broken down into:
- 1.6 base 360° Rewards Points
- 17.6 bonus 360° Rewards Points

SCB Rewards Points-to-Miles Conversion system

The Standard Chartered miles conversion system is biased towards these two cards where if you pool your points together, you can one-shot convert all your accumulated points at a boosted bonus miles conversion rate of 2,500 360° Rewards Points = 1,000 miles. This amounts to 0.4 mpd.

Thus, your bonus 17.6 360° Rewards Points is worth around 7.4 mpd.

But do note, this boosted point-to-miles conversion only lasts until 31 December 2023. Thus, we really only recommend this method if:

  • You already own either an SCB X Card or SCB Visa Infinite Card, or
  • You intend to use the SCB Smart Card regularly as your daily spend card, or
  • You want to seriously chase after miles and sign up for the SCB X and SCB Visa Infinite Card too.

After all, the SCB X and SCB Visa Infinite Cards are considered higher-tier miles cards with heftier annual fees. 

SingSaver Exclusive Offer: Enjoy the following rewards when you sign up for a Standard Chartered Smart Card:

SCB_Smart_Rewards_BLOGARTICLE_800x250 (2)

Receive a Xiaomi Robot Vacuum S10 (worth S$349) or a Sony LinkBuds S (WF-LS900N) (worth S$309) or S$200 Cash via PayNow upon activating and spending min. $250 spend within 30 days of card approval. Also, get an additional S$20 e-Capitaland voucher when you make a min. spending of S$1,000 in your 2nd month. Valid till 31 July 2024. T&Cs apply.

Get an additional S$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 31 July 2024. T&Cs apply.

Rewards Upgrade Campaign_BLOGARTICLE_800x250

⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up as low as S$190. Valid till 31 July 2024. T&Cs apply.

  • S$190.00 for an Apple AirPods Pro (2nd Gen) (worth S$365.70)
  • S$300.00 for an Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30)
  • S$380.00 for a Xiaomi Robot Vacuum X20 UK (worth S$699.00)
  • S$450.00 for a Flujo Ayla Ergonomic Office Chair (worth S$1,139.00)

Read more:
Best Standard Chartered Credit Cards in Singapore (2024)
Best Standard Chartered Credit Card Deals (2024)


#2 Citi Rewards Card

CitiRewardsMC

Key benefits
Up to 10X Rewards Points / 4 mpd / 2.27% cashback on eligible shopping and online spend, online food delivery, online groceries, and ride-hailing apps Grab and Gojek
Annual fee
S$196.20 (1st year waived)
Minimum monthly spend
NIL
Minimum income requirement
Singaporeans & PRs: S$30,000
Foreigners: S$42,000
Minimum age
21

As a staple in the miles game, we’re including the Citi Rewards Card as a possible option to earn miles on streaming service subscriptions here.

You can earn up to 10X Rewards Points (or 4 mpd) on eligible online purchases with no minimum spend. That said, its boosted miles rate is only valid on up to S$1,000 spend per statement month. After which, its earn rate on online spend will revert to the base 1X Reward Point per dollar – the same as its earn rate on all other retail spend.

Since the Citi Rewards Card follows a blacklist approach to merchant exclusions, MCCs 4899 and 5815 aren’t explicitly excluded from its T&Cs. The only confirmed exclusions for online retail merchants are “mobile wallets and travel-related transactions”. 

However, there might still be a risk that Citibank decides to list these MCCs as excluded merchants.

You can check out other Citibank’s MCC exclusions here.

SingSaver Exclusive Offer: Receive the following rewards and experience Fastest Rewards Fulfilment when you sign up for a Citi Rewards Card:

SS_Citi CC_BLOGARTICLE_800x250

Receive an Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or a Dyson Micro 1.5kg Vacuum (worth S$599) or S$320 eCapitaVoucher or S$300 cash via PayNow upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 31 July 2024. T&Cs apply.

Rewards Upgrade Campaign_BLOGARTICLE_800x250

⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up as low as S$100. Valid till 31 July 2024. T&Cs apply.

  • S$100 for an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529)
  • S$200 for an Apple Watch Series 9 (GPS) 41mm (worth S$604.50)
  • S$800 for an Apple Watch Ultra 2 GPS + Cellular 49mm (worth S$1,210.10)
  • S$980 for a Macbook Air 13" 256GB M3 (worth S$1,599.00)
  • S$1,200 for an Apple iPhone 15 Pro 128GB (worth $1,664.25)
  • S$1,786 for a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB 5G (worth $2,128.00)

Check out our full Citi Rewards Card review too.


#3 UOB PRVI Miles Card

uob-prvi-amex-resized-3 uob-prvi-resized-e1548402137533-2
Key benefits
3.5X UNI$ per S$5 spend (1.4 mpd) on local spend
 
2.5X UNI$ per S$5 (1 mpd) spend on monthly bills, rent, taxes, and one-time big-ticket purchases
Annual fee
S$261.60 (1st year waived)
Minimum monthly spend
NIL
Minimum income requirement
Singaporeans & PRs: S$30,000
Foreigners: S$40,000
Minimum age
21

The UOB PRVI Miles Card is a rather unexpected miles card on this list because it’s better known for its stellar rates on overseas spend (2.4 mpd) and travel-related expenses (6 mpd) like major airline and hotel bookings made on Agoda, Expedia, and UOB Travel. 

Nonetheless, we’re including this card on the list because it still rewards 3.5X UNI$ per S$5 (1.4 mpd) on local spend. And like all the aforementioned cards, MCCs 4899 and 5815 aren’t explicitly excluded from its T&Cs; so there’s a chance that your streaming service subscriptions might still earn some miles.

💡Pro-tip: On a related note, other recurring bill payments from providers like Starhub are eligible for UOB’s Bill Payment Service. This service allows you to earn 2.5X UNI$ per S$5 spend (or 1 mpd) on bills, rent, taxes, and even one-off big-ticket purchases.

UOB PRVI Miles Visa Card Welcome Offer: Get up to 50,000 miles when you make a min. spend of S$1,000 per month for 2 consecutive months from card approval date plus annual fee payment and SMS enrolment. Valid till 31 July 2024 . T&Cs apply.

Alternatively, receive 25,200 miles when you are one of the first 50 to apply with first year annual fee waiver and make a min. spend of S$1,000 for 2 consecutive months from card approval date. T&Cs apply.

Plus, get another 4,800 miles (for a total of 30,000 miles) when you make a min. overseas spend of S$1,000 per month for 2 consecutive months.Valid till 31 July 2024 . T&Cs apply.

You can read our full UOB PRVI Miles Card Review here.

 


Winner: Which are the best credit cards for paying streaming services like Netflix, Spotify, Disney+?

Best for
Credit card
Guaranteed cashback
Maybank Family & Friends Card
maybank-family-friends-mastercard
Guaranteed miles
Standard Chartered Smart Card
 
Fuss-free spend
Any unlimited cashback card

Any of the other cashback or miles cards aren’t 100% cleared to earn rebates on streaming service subscriptions. So if you already own any of them, try and see if you earn any rebates from them on your subsequent subscription renewals!


Looking for the best credit cards to complement your spending patterns and expenditure in 2024? Check out our Ultimate Credit Card Guide that covers all things credit cards in Singapore – from choosing between a cashback, miles, or rewards credit card to planning your credit card strategy.

 

Although she struggles *slightly* in resisting good deals and sales, Emma is on a lifelong journey to understand what financial independence as a Z-llennial means. That said, her inner child is still very much alive… with animals and gaming being her weaknesses.

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