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Best Credit Cards To Use For Wedding Expenses

Denise Bay

Denise Bay

Last updated 05 September, 2023

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

Like many things in Singapore, weddings are a costly affair. Thankfully, with the right credit cards, you can (hopefully) save some money on your wedding expenses and banquet.

Best Credit Cards To Use For Wedding Expenses On SingSaver

Unlimited Cashback With AMEX benefits: AMEX True Cashback Card
Best For Generous Cashback: CIMB Visa Signature Card
Best For Exclusive Travel Memberships: AMEX Singapore Airlines KrisFlyer Ascend Credit Card
Best For Luxury Perks: Citi Prestige Card
Best For Affordable Miles & Perks: DBS Altitude Card
Best For Highest Unlimited Cashback: UOB Absolute Cashback Card

Not going to lie, weddings in Singapore are expensive affairs. As an avid credit card rewards chaser who’s almost done with all the necessary planning for the Big Day next week, I suppose you can trust my picks for the best credit cards for wedding expenses. 

When I mean wedding expenses, it includes venue/ banquet booking, gown and suit rental, photography and videography services, makeup and hair services, pre-wedding shoot, wedding stationery and decor, flowers, wedding favours and more. Sadly, these things don’t come cheap. 

Make each hard-earned dollar of yours go further whenever possible by paying with credit cards. However, do note that not all wedding vendors accept credit card payments. 

Without further ado, here are my picks to help you be extra savvy with your money for your big day:

Best For Unlimited Cashback With AMEX Benefits: American Express True Cashback Credit Card 

Apply for AMEX True Cashback Card

American Express True Cashback Card is one of our top picks for wedding expenses because you can earn unlimited 1.5% cashback on all eligible spending, with no minimum spend required. What’s even sweeter? You get double the cashback at 3% on the first S$5,000 spent within the first six months. 

That’s not all. American Express True Cashback Card Members can look forward to True Love Weddings, a generous 5% discount off new wedding packages at selected wedding venues, exclusively reserved for them. This discount is on top of all the cashback you can potentially earn. 

Best For Generous 10% Cashback: CIMB Visa Signature Credit Card


In our opinion, the CIMB Visa Signature Card is a heavily underrated cashback card for wedding expenses – more specifically, for "wedding investments" on yourself. As long as you satisfy a minimum S$800 spend every calendar month, you'll be entitled to 10% cashback on all eligible online shopping purchases and beauty & wellness transactions, capped at a total of S$125 monthly cashback (or S$25 per category).

All hopeful bride-to-bes will appreciate the generous eligibility offered under these categories; for instance, all online shopping purchases under the following merchant category codes (MCCs) qualify for the 10% cashback:

Source: CIMB

This even extends to popular platforms like Amazon, Ezbuy, and Shopee! So all your online bridal affairs and needs can be pretty much settled on these e-commerce sites. Whether it's your shoes, gown rental, accessories, or other wedding peripherals, the 10% cashback will be yours to keep as long as they fall under the valid MCCs regardless of local or overseas transactions.

Other than that, you also can't go wrong with pampering yourself with facials and massages leading up to your big day. All local or international transactions made at personal care facilities, pharmacies, cosmetic stores (excluding department stores), hairdressers, massage parlours, and health & beauty spas will qualify for the 10% cashback. So if you want to fly overseas for the ultimate spa retreat with your partner or your friends and family, who's to stop you? 😄

Other honourable cashback card mentions include the UOB One Card, Maybank Family & Friends Card, OCBC Frank Card, and the UOB EVOL Card.


UOB One Card product summary:

Cashback rate
Up to 10% cashback (Existing UOB customers)
Up to 15% cashback (New-to-UOB customers)
Eligible spend categories
SimplyGo, Shopee, Dairy Farm International, Grab, UOB Travel, SPC, Shell
Minimum spend requirement
S$500, S$1,000, or S$2,000 monthly for 3 consecutive months
Min. 5 transactions per statement month
Cashback cap
S$50, S$100, or S$200 per quarter
⭐ Great for multiple big-ticket expenses for consecutive months


Maybank Family & Friends Card product summary:

Cashback rate
8% cashback on five preferred categories:
  • Groceries
  • Dining & food delivery
  • Transport
  • Data communication & online TV streaming
  • Retail & pets
  • Online fashion
  • Entertainment
  • Pharmacy
  • Sports & sports apparels
  • Beauty & wellness
8% cashback on Malaysian Ringgit too
Minimum spend requirement
S$800 per calendar month
Cashback cap
S$125 total per calendar month, S$25 per category
Three-year annual fee waiver



OCBC Frank Card product summary:

Cashback rate
8% cashback on foreign currency spend, online, and mobile contactless spend
Extra 2% cashback on selected eco-friendly merchants
Minimum spend requirement
S$800 per calendar month
Cashback cap
S$100 total per calendar month, S$25 per category


UOB EVOL Card product summary:

Cashback rate
8% cashback on online and mobile contactless spend
Minimum spend requirement
S$600 per statement month
Cashback cap
S$60 total per statement month, S$20 per category
No annual fee with min. 3 purchases monthly


Best For Exclusive Travel Memberships: American Express Singapore Airlines KrisFlyer Ascend Credit Card 

Amex Singapore Airlines KrisFlyer Ascend Credit Card Welcome Gift: Receive an American Tourister Hypebeat Spinner 79/29 Exp TSA (worth S$239) + 15,300 KrisFlyer miles with annual fee payment within the first month of card approval. For new to American Express Card Members only. Valid till 31 October 2023. T&Cs apply.

The American Express Singapore Airlines KrisFlyer Ascend Credit Card is ideal for the discerning traveller who enjoys the finer things in life. 

This credit card lets you enjoy a complimentary Hilton Honors Silver membership tier (hello, one free night stay at Hilton properties in APAC each year). You will also enjoy an accelerated upgrade to the KrisFlyer Elite Gold membership tier and four complimentary annual airport lounge access passes. 

Of course, you can earn unlimited, convenient KrisFlyer miles on your expenses with this credit card: 

  • 1.2 KrisFlyer miles for every S$1 spent on all eligible purchases
  • 2 KrisFlyer miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases during June and December
  • 2 KrisFlyer miles per S$1 spent on, SingaporeAir mobile app, and KrisShop
  • 3.2 KrisFlyer miles for every S$1 spent on Grab Singapore transactions, up to S$200 spent each calendar month
  • 0.5 KrisFlyer mile per S$1 spent on Singapore Airlines Instalment Plans

If you’re new to American Express and have big-ticket wedding expenses to pay for, consider signing up for this credit card to snag the sweet sign-up spend bonus, which would make a delightful surprise for your soon-to-be spouse!

See also: American Express Singapore Airlines KrisFlyer Ascend Credit Card Review

#4: Best For Luxury Perks: Citi Prestige Credit Card

Are you and your soon-to-be betrothed avid travellers? If so, you will appreciate all that Citi Prestige Credit Card has to offer. 

Apart from the status symbol associated with holding this credit card, you will enjoy unlimited, expiry-free rewards points on every purchase you make. 

There is no limit to the number of times you can use the complimentary night stay benefit with a minimum consecutive four-night stay at any hotel or resort around the world — simply make your reservations through the Citi Prestige Concierge. 

That’s not all. You’d also have access to World Elite luxury vacations, private and bespoke travel experiences, discounted luxury cruises, private jet and chauffeured car services. Plus, you and your other half can visit Priority Pass airport lounges globally however many times you want, at no extra cost. 

Additionally, you can look forward to earning up to 30% additional ThankYou Points — think of this as Citi’s way of rewarding their loyal customers. 


SingSaver Exclusive Offer

For Citi PremierMiles Card: Receive an Apple iPad 9th 10.2" WiFi 64GB (worth S$503.65) or a Dyson Supersonic (worth S$699) or a Dyson V8 Slim Fluffy (worth S$509) or S$300 cash via PayNow upon activating and spending at least S$500 within 30 days of card approval. Valid till 17 October 2023. T&Cs apply.

For Citi Cashback+ Card, Citi Cashback Card and Citi Rewards Card: Receive a Dyson Supersonic (worth S$699) or a Dyson V8 Slim Fluffy (worth S$509) or a Nintendo Switch OLED (worth S$549) or S$300 cash via PayNow when you activate and spend at least S$500 within 30 days of card approval. Valid till 17 October 2023. T&Cs apply.

Plus, enjoy up to 2% cashback on all qualifying spend and up to S$656 cash when you apply for the Citi Cash Back+ card and join Citi PlusT&Cs apply.

Best For Affordable Miles & Perks: DBS Altitude Credit Card

DBS Altitude Credit Card is a solid choice if you’d like to chase miles on the cheap and enjoy travel perks like complimentary travel accident insurance coverage of up to S$1 million and two free Priority Pass lounge visits in a 12-month membership period. 

This miles credit card lets you earn unlimited 1.3 miles per S$1 spent locally and 2.2 miles per S$1 spent in foreign currency. You can also earn up to 10 miles per S$1 spent on Kaligo and Expedia — perfect for when you’re planning the honeymoon trip of your dreams!

Apart from chalking up miles on your wedding expenses, you can snag 10,000 bonus miles simply by paying the annual fee.

Feel like splitting your wedding bills into more manageable amounts? You can do so easily via My Preferred Payment Plan and enjoy 0% interest instalments for up to six months. This should be music to your ears, agree?

DBS/POSB Credit Card Welcome Gift: Receive S$250 cashback or up to 60,000 miles when you apply for select DBS credit cards and fulfil the relevant promotion criteria. T&Cs apply.

Best For Highest Unlimited Flat Cashback: UOB Absolute Cashback Credit Card

On the hunt for a fuss-free cashback credit card that’s rewarding altogether? Look no further than the UOB Absolute Cashback Card

No minimum spend, no cashback cap, and no spend exclusions — you can earn a flat 1.7% cashback on literally everything you purchase with this credit card.  

At the time of writing, the UOB Absolute Cashback Card offers the highest unlimited flat cashback rate amongst the competition. Most credit cards of this nature offer 1.5% to 1.6% cashback. 

While 1.7% cashback may not sound like much, it can mean a whole world of difference when you consider the many large expenditures you’ll be splashing out for your wedding. 

Examples include venue booking, hair and makeup services, gown and suit rental services, photography and videography services, and much more.

UOB Credit Card Welcome Gift: Receive S$350 cash credit or S$500 worth of Grab vouchers or up to 50,000 miles when you apply for select UOB credit cards and fulfil the minimum spend requirements. T&Cs apply.

Remember, your wedding will be one of the most expensive expenditures in your life. So why not make your hard-earned cash work even harder by charging your wedding expenses to a credit card? Check out our latest promotions and deals today!

Read these next
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Premium Credit Cards: Which Gives High-Income Earners The Best Value?
What Really Happens If You Skip Credit Card Bills, Loan & BNPL Payments
Credit Card Interest Rate: How To Calculate Credit Card Annual Percentage Rate (APR)?

While Denise has a thing for travel, K-dramas, 0% sugar bbt (with boba!), Japanese cuisine and flat white, her curious nature means all sorts of random tabs are open on her phone 24/7. She doesn’t like to pay full price for anything, too.


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