Best Credit Cards To Use For Wedding Expenses

Denise Bay

Denise Bay

Last updated 14 December, 2022

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.

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: 

#1 American Express True Cashback Card: Best For Unlimited Cashback With Amex Benefits 

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. 

Apply for AMEX True Cashback Card

Welcome Gift: Enjoy 3% Cashback on up to S$5,000 eligible purchases within the first 6 months. T&Cs apply.

#2 UOB One Card: Best For Generous 5% Cashback 

UOB One Card is great if you have multiple big-ticket expenses lined up for months consecutively. For starters, its cashback is tiered — you’ll earn 5% cash rebate if you spend S$2,000 per statement month for each qualifying calendar quarter (i.e. S$300 cash rebate per quarter). 

The coolest thing about this card is that it doesn’t restrict the types of retail spend eligible for cashback — this is absolutely great news if your wedding vendors accept Visa credit card payments. 

To bag the cashback, all you need to do is ensure you make at least five transactions within each statement month. A simple workaround would be to make small transactions (e.g. paying for bottled drinks, snacks, fast food meals etc) several times if you foresee trouble hitting five transactions. Easy peasy!

Welcome Gift: Receive S$300 cash credit or up to 44,800 miles when you apply and fulfill the respective min. spend requirements. T&Cs apply.

Pick your UOB card here!

Welcome Gift: Receive S$300 cash credit when you sign up and make a min. spend of S$1,000 for 2 consecutive months from card approval date. This promotion is only applicable to the first 100 new-to-UOB credit card members. Valid till 31 January 2023. T&Cs apply.

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

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 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!


SingSaver Exclusive Offer: Receive 21,500 KrisFlyer Miles (worth a return trip to Bali on SIA Economy) when you make a min. spend of S$1,000 and annual fee payment within the first month of card approval. Valid till 28 February 2023. T&Cs apply.

#4 Citi Prestige Credit Card: Best For Luxury Perks

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: Receive a Dyson Supersonic (worth S$649) or a Nintendo Switch OLED (worth S$549) or an Apple AirPods Pro 2nd Gen + MagSafe Charger bundle (worth S$421.90) or S$350 cash via PayNow when you make a min. spend of S$500 within 30 days of card approval. Valid till 14 February 2023. T&Cs apply.

Plus, enjoy up to 2% cashback on all qualifying spend and up to S$756 worth of exciting gifts when you apply for the Citi Cash Back+ card and join Citi Plus. T&Cs apply.

Pick your Citibank card here!

#5 DBS Altitude Visa Credit Card: Best For Affordable Miles & Perks

DBS Altitude Visa 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 1.2 miles per S$1 spent locally, 2 miles per S$1 spent in foreign currency, and 3 miles per S$1 spent on online flight & hotel transactions (capped at S$5,000 per month). 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?

Welcome Gift: Receive S$150 cashback when you key in the promo code 150CASH upon application and make a minimum spend of S$800 within 60 days of card approval. Valid till 31 January 2023. T&Cs apply.

Find more DBS/POSB credit cards here. If you're not a new DBS/POSB credit cardmember, consider these promotions instead.

#6 UOB Absolute Cashback Card: Best For Highest Unlimited Flat Cashback  

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% - 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.

Welcome Gift: Receive S$300 cash credit or up to 44,800 miles when you apply and fulfill the respective min. spend requirements. T&Cs apply.

Pick your UOB card here!

Welcome Gift: Receive S$300 cash credit when you sign up and make a min. spend of S$1,000 for 2 consecutive months from card approval date. This promotion is only applicable to the first 100 new-to-UOB credit card members. Valid till 31 January 2023. 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!

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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.