Sit back, relax, and let these credit cards earn rebates for all your streaming service subscriptions.
Best for cashback: Maybank Family & Friends Card
Best for miles: Standard Chartered Smart Card
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 streamin 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
- Overview: Best credit cards for streaming service subscriptions
- Best cashback credit cards for streaming service subscriptions
- Best miles & rewards credit cards for streaming service subscriptions
- Winner: Which credit card is the best for streaming services?
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”.
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Credit card
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Key benefits & details
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Promotions
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Maybank Family & Friends Card
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8% cashback on 5 preferred categories
e.g. “Data Communication & Online TV Streaming” category
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UOB EVOL Card
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8% cashback on online and mobile contactless spend
Min. S$600 monthly spend
Capped at S$60 cashback (per statement month):
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HSBC Advance Card
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Up to 3.5% cashback on all eligible spend:
Base cashback capped at $70 per month
Bonus cashback capped at S$300/$500 per month
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Standard Chartered Smart Card
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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
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SingSaver Exclusive Offer: Get a pair of Apple AirPods Pro Gen 2 (worth S$362.35) or a Xiaomi Robot Vacuum S10 (worth S$379) or S$300 upsized cash via PayNow when you activate and make a min. spend of S$500 within 30 days of card approval. Valid till 11 June 2023. T&Cs apply. Plus, get additional $20 Bonus Cash when you put your card-on-file and spend at least $20 on select merchants within 30 days of Card approval. |
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Citi Rewards Card
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Up to 10X Rewards Points (or 4 mpd) on eligible online spend
No min. spend
S$1,000 spend cap per statement month
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SingSaver Exclusive Offer: For Citi PremierMiles Card: Receive a Nintendo Switch OLED (worth S$549), Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$503.65) or S$400 CapitaVouchers or S$300 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval. Valid till 15 June 2023. T&Cs apply. For Citi Cashback+ Card, Citi Cashback Card and Citi Rewards Card: Receive a Hinomi H1 Pro Ergonomic Office Chair (worth S$599) or Nintendo Switch OLED (worth S$549) or $400 CapitaVouchers or S$300 Cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval. Valid till 15 June 2023. T&Cs apply. Plus, enjoy up to 2% cashback on all qualifying spend and up to S$656 cash when you apply for the Citi Cash Back+ card and join Citi Plus. T&Cs apply. |
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UOB PRVI Miles Card
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3.5X UNI$ 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
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Standard Chartered Simply Cash Card
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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
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SingSaver Exclusive Offer: Receive an Apple AirPods Pro Gen 2 (worth $362.35) or Flujo BEA Ergonomic Office Chair (worth S$509) or S$300 Upsized Cash via PayNow upon activating and make a min. spend of S$500 within 30 days of card approval. Valid till 11 June 2023. T&Cs apply. |
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UOB Absolute Cashback Card
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1.7% unlimited cashback on all eligible spend
No min. spend
No cashback cap
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Citi Cash Back+ Card
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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)
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SingSaver Exclusive Offer: For Citi PremierMiles Card: Receive a Nintendo Switch OLED (worth S$549), Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$503.65) or S$400 CapitaVouchers or S$300 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval. Valid till 15 June 2023. T&Cs apply. For Citi Cashback+ Card, Citi Cashback Card and Citi Rewards Card: Receive a Hinomi H1 Pro Ergonomic Office Chair (worth S$599) or Nintendo Switch OLED (worth S$549) or $400 CapitaVouchers or S$300 Cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval. Valid till 15 June 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. |
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Maybank FC Barcelona Visa Signature Card
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1.6% unlimited cashback on all eligible spend
No min. spend
No cashback cap
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AMEX True Cashback Card
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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
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Best cashback credit cards for streaming service subscriptions
#1 Maybank Family & Friends Card
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Key benefits
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8% cashback on five preferred categories (out of 10)
Cashback capped at S$125 (per calendar month); S$25 per category
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Annual fee
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S$194.40 (First 3 years waived)
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Minimum monthly spend
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S$800
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Minimum income requirement
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Singaporeans & PRs: S$30,000
Foreigners: S$80,000 |
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Minimum age
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21
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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
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Key benefits
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8% cashback on online and mobile contactless spend
Cashback capped at S$60 (per statement month); S$20 per category
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Annual fee
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NIL with 3 min. eligible transactions per month
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Minimum monthly spend
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S$600
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Minimum income requirement
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Singaporeans & PRs: S$30,000
Foreigners: S$80,000 |
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Minimum age
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21
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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.
Read our full UOB EVOL Card review here.
#3 HSBC Advance Card
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Key benefits
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Up to 2.5% base cashback:
Earn 1% bonus cashback with an HSBC Everyday Global Account under the HSBC Everyday+ Rewards Programme – brings total cashback to 3.5%
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Annual fee
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S$194.40 (1st year waived)
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Minimum monthly spend
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NIL to earn 1.5% base cashback
S$2,000 to earn 2.5% base cashback |
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Minimum income requirement
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Singaporeans & PRs: S$30,000
Foreigners: S$40,000 |
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Minimum age
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21
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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.
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
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Citi Cash Back+ Card
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Standard Chartered Simply Cash Card
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UOB Absolute Cashback Card
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AMEX True Cashback Card
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Maybank FC Barcelona Visa Signature Card
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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
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Key benefits
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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
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Annual fee
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NIL
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Minimum monthly spend
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NIL
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Minimum income requirement
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Singaporeans & PRs: S$30,000
Foreigners: S$60,000 |
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Minimum age
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21
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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: Get a pair of Apple AirPods Pro Gen 2 (worth S$362.35) or a Xiaomi Robot Vacuum S10 (worth S$379) or S$300 upsized cash via PayNow when you activate and make a min. spend of S$500 within 30 days of card approval. Valid till 11 June 2023. T&Cs apply.
Plus, get additional $20 Bonus Cash when you put your card-on-file and spend at least $20 on select merchants within 30 days of Card approval.
Read more:
Best Standard Chartered Credit Cards in Singapore (2023)
Best Standard Chartered Credit Card Deals (2023)
#2 Citi Rewards Card
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Key benefits
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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
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Annual fee
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S$194.40 (1st year waived)
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Minimum monthly spend
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NIL
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Minimum income requirement
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Singaporeans & PRs: S$30,000
Foreigners: S$42,000 |
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Minimum age
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21
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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.
Otherwise, do check out our full Citi Rewards Card review too.
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SingSaver Exclusive Offer:
For Citi PremierMiles Card: Receive a Nintendo Switch OLED (worth S$549), Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$503.65) or S$400 CapitaVouchers or S$300 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval. Valid till 15 June 2023. T&Cs apply.
For Citi Cashback+ Card, Citi Cashback Card and Citi Rewards Card: Receive a Hinomi H1 Pro Ergonomic Office Chair (worth S$599) or Nintendo Switch OLED (worth S$549) or $400 CapitaVouchers or S$300 Cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval. Valid till 15 June 2023. T&Cs apply.
Plus, enjoy up to 2% cashback on all qualifying spend and up to S$656 cash when you apply for the Citi Cash Back+ card and join Citi Plus. T&Cs apply.
#3 UOB PRVI Miles Card
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Key benefits
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3.5X UNI$ 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
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Annual fee
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S$259.20 (1st year waived)
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Minimum monthly spend
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NIL
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Minimum income requirement
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Singaporeans & PRs: S$30,000
Foreigners: S$40,000 |
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Minimum age
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21
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The UOB PRVI Miles Card is a rather unexpected miles card on this list because it’s better known for its stellar rates on overseas spend (2.4 mpd) and travel-related expenses (6 mpd) like major airline and hotel bookings made on Agoda, Expedia, and UOB Travel.
Nonetheless, we’re including this card on the list because it still rewards 3.5X UNI$ 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.
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+?
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Best for
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Credit card
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Guaranteed cashback
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Maybank Family & Friends Card
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Guaranteed miles
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Standard Chartered Smart Card
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Fuss-free spend
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Any unlimited cashback card
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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!
Read these next:
Credit Card Promotions: Exclusive on SingSaver (2023)
Best Credit Cards For Mobile Wallet Payments
Best Credit Cards For Your Fast Food Cravings & Late Night Supper Runs at McDonald’s
Best Credit Cards For Online Food Delivery (GrabFood, Foodpanda, Deliveroo)
How to Ask For Credit Card Annual Fee Waivers
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