Best Credit Cards For Mobile Wallet Payments (2024)

Yen Joon

Yen Joon

Last updated 01 May, 2024

If you're looking for a credit card that's compatible with mobile wallet payments such as Google Pay and Apple Pay, we've created this comprehensive list of the best credit cards that are sure to work with your mobile wallet. 

Mobile wallets such as Google pay and Apple Pay offer you an easy and seamless way to use your credit cards to pay for almost everything under the sun, whether it's your MRT/bus journeys, food, or shopping online at your favourite merchants. 

What's more, most credit cards allow you to earn regular rewards when you make payments with a mobile wallet. 

However, not every credit card considers in-app mobile wallet payments as eligible purchases. That's why we've curated this comprehensive list of the best credit cards for mobile wallet payments for your convenience. 

TeamCashback-VS-TeamMiles-KV2.1_BLOGARTICLE_800x250

🆚SingSaver's Cashback vs Miles Campaign (Round 2) 🆚: Are you Team Cashback or Team Air Miles?

Be one of the first 400 to receive rewards of up to +S$740 Vouchers or up to +74K Miles when you sign up for any participating Cashback or Miles Credit Card, respectively, within the promo period. The team with the most applications wins the rewards! Promo runs from 24 May, 12pm - 6 June 2024. T&Cs apply.

Plus, get up to 31x chances to win a Pair of RETURN Business Class Tickets to Tokyo, Japan (worth 120K Max Miles) in the Grand Lucky Draw when you successfully apply for participating products. Promo runs from 24 May, 12pm - 6 June 2024. T&Cs apply.

Click here to check out our past Lucky Draw winners!

 


Overview: best credit cards to use for mobile payments

Credit card

Credit card type

Key benefits

HSBC-revolution-3

HSBC Revolution Card

 

Rewards

10X rewards (4 mpd or 2.5% cashback) on qualified online and offline contactless payments

CitiRewardsMC
+
amaze card new

Citi Rewards Card

 

Rewards

10X rewards (4 mpd or 2.5% cashback) on eligible retail and online transactions

UOB_ONE-4

UOB One Card

 

Cashback

Up to 15% cashback per quarter, capped at S$50/S$100/S$300 per quarter

Maybank-FamilyFriends_card-1024x697

Maybank Family & Friends Card

 

Cashback

8% cashback on five selected categories, up to S$125 per calendar month

uob-evol-1024x644

UOB EVOL Card

 

Cashback

8% cashback on online and mobile contactless payments, up to S$60 per month

DBS-Live-Fresh-Student-Card-1

DBS Live Fresh Card

 

Cashback

Up to 6% cashback online and in-store shopping spend and transport spend (including SimplyGo); capped at S$70 per month

ocbc_card_Frank-3
OCBC FRANK credit card

 

 

Cashback

Up to 10% cashback on online, mobile contactless, and foreign currency spending; capped at S$100 per month


[UPDATE!] HSBC Revolution Card

HSBC-Revolution-New

Key benefits

10X rewards (4 mpd or 2.5% cashback) on qualified online and offline contactless payments; 1X rewards (0.1 mpd) on all other purchases

Supported mobile wallet(s)

Apple Pay, Google Pay

Annual fee

N/A

Minimum spend

N/A

Minimum income requirement

S$30,000 per year for Singaporeans/PRs, S$40,000 for foreigners

Minimum age

21

The HSBC Revolution credit card is one of the most versatile miles cards around, allowing you to earn bonus reward points on a wide range of qualifying transactions, from air tickets to dining and groceries to online shopping. 

You’ll earn 10X Reward points per dollar spent on eligible online and offline contactless purchases (including Apple Pay and Google Pay), which is equivalent to 4 miles per dollar (mpd) or 2.5% cashback. 

Category

Merchant Category Codes (MCC)

Examples

Select travel-related merchants such as airlines, car rental facilities, lodging, cruise lines and travel agencies*

3000 to 3350, 3351 to 3500, 3501 to 3999, 4411, 4511

Singapore Airlines, Emirates, Qatar Airlines, Cathay Pacific, Scoot, Hilton, Marriott, Hyatt Hotels

Department stores and retail stores

4816, 5045, 5262, 5309, 5310, 5311, 5331, 5399, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5691, 5699, 5732 to 5735, 5912, 5942, 5944 to 5949, 5964 to 5970, 5992, 5999

Courts, Harvey Norman, Lazada, Shopee, Amazon, Taobao, Qoo10 

Select supermarkets, dining and food delivery* 

5441, 5462, 5811, 5812, 5813

Candy Empire, TWG Tea, Chateraise, Bengawan Solo, Awfully Chocolate, Four Leaves

Others such as transportation and membership clubs 

4121, 7997

Grab, Comfort, Gojek, TADA, Anytime Fitness

[Update!] *Since 1 January 2024, the HSBC Revolution Card no longer earns 9X bonus Rewards Points on MCC 4722 (Travel Agencies & Tour Operators) and MCC 7011 (Lodging – Hotels, Motels, and Resorts).

Likewise, from 1 May onwards, MCCs 5411 (Supermarkets), 5499 (Miscellaneous Food Stores), and 5814 (Fast Food) also stop earning 9X bonus Rewards Points. These categories now only earn 1X base reward points – equivalent to 0.4 mpd.

Although this might throw a spanner in your credit card strategy, don't panic! There are other alternative credit cards to consider, such as the ones on this list or our credit card guide

===============================================================

The caveat is that the 10X bonus points are capped at S$1,000 per calendar month (or 9,000 reward points), so anything above that threshold will earn you 1X point per dollar spent instead (or 0.4 mpd). 

You’ll also earn 1X point per dollar if the transactions are qualified but not eligible, such as non-contactless payments, or if the merchant doesn’t fall under the eligible MCC.

Certain transactions are also ineligible for rewards; these include top-ups to mobile wallets (YouTrip, EZ-Link, GrabPay, etc.), payments on utilities, quasi-cash transactions, and more. You may refer to the full list of exclusions here

Enjoy the following rewards when you sign up for an HSBC Revolution Card:

HSBC CC_KV2_BLOGARTICLE_800x250

⚡Flash Deal⚡: Get a PlayStation 5 Disc Version (worth S$799) or a Dyson Airwrap (worth S$859) or S$500 e-capita Vouchers when you are one of the first 500 to apply and spend a minimum of S$500 by the end of the following calendar month from the card account opening date. Remaining applicants will enjoy SingSaver Exclusive rewards. Valid till 4 June 2024. T&Cs apply

HSBC CC_KV1_BLOGARTICLE_800x250

SingSaver's Exclusive Offer: Receive a Dyson Supersonic™ hair dryer (worth S$699) or an Apple iPad 9th 10.2" WiFi 64GB (worth S$508.30) or S$350 eCapitaVoucher or 21K Max Miles upon activating and spending min. S$500 by the end of the following calendar month from the card account opening date. Valid till 4 June 2024. T&Cs apply.

Pay_To_Upgrade_Rewards_Campaign_BLOGARTICLE_800x250-1

Plus, upgrade your rewards when you top up S$200 to get a Xiaomi Robot Vacuum X20 (worth S$699) or Sony Portable Theatre System HT-AX7 (worth $$759). Alternatively, top up S$1,099 for an Apple MacBook Air 13” (M3 chip) 256GB (worth S$1,599) or an Apple iPhone 15 Pro 128GB (worth S$1,664.25). Valid till 4 June 2024. T&Cs apply.


Citi Rewards Card

CitiRewardsMC

Key benefits

10X rewards (4 mpd or 2.5% cashback) on qualified shopping, online shopping, online food delivery, online groceries, Grab and Gojek; 1X rewards (0.4 mpd) on all other spending 

Supported mobile wallet(s)

Apple Pay, Google Pay

Annual fee

S$196.20 (first year waived)

Minimum spend

N/A

Minimum income requirement

S$30,000 per year for Singaporeans/PRs, S$42,000 for foreigners

Minimum age

21

The Citi Rewards Card is another one of our favourite rewards cards. It offers 10X rewards (or 4 mpd) for every dollar spent on eligible retail and online purchases, whether it’s shopping, food delivery, groceries, streaming services, or ride-hailing services. 

However, like the HSBC Revolution, there’s a monthly cap of S$1,000 to earn bonus rewards; once you’ve breached that cap, you’ll only earn 1 Reward point (or 0.4 mpd) for every dollar spent. 

As with all credit cards, there is a list of categories that are excluded from bonus points. Most notably, travel-related transactions (flights, hotel, car rental, etc.) and mobile wallet purchases are excluded. 

For the latter, this means that you won’t earn 10X Rewards points if you use a mobile wallet such as Google Pay or Samsung Pay to pay for transactions (though in-store payments via a mobile wallet will still earn you 10X Rewards points).  

amaze card new

However, you can bypass this by pairing your Citi Rewards Card with the Instarem amaze card and linking your amaze card to Google Pay (Apple Pay isn't currently supported on amaze); the transaction will be counted as an online transaction, and you’ll continue to earn 10X Rewards points/4 mpd as long as they're eligible. 

The amaze card is also a great card for overseas spending. Not only does it offer a competitive foreign currency conversion rate, but you can also earn 1% cashback on foreign transactions.

In other words, the Citi Rewards Card + amaze card combo is one of the best ways to get the most out of your local and foreign spending — don't leave home without it.

TeamCashback-VS-TeamMiles-KV2.1_BLOGARTICLE_800x250

🆚SingSaver's Cashback vs Miles Campaign (Round 2) 🆚: Are you Team Cashback or Team Air Miles?

Be one of the first 400 to receive rewards of up to +S$740 Vouchers or up to +74K Miles when you sign up for any participating Cashback or Miles Credit Card, respectively, within the promo period. The team with the most applications wins the rewards! Promo runs from 24 May, 12pm - 6 June 2024. T&Cs apply.

Plus, get up to 31x chances to win a Pair of RETURN Business Class Tickets to Tokyo, Japan (worth 120K Max Miles) in the Grand Lucky Draw when you successfully apply for participating products. Promo runs from 24 May, 12pm - 6 June 2024. T&Cs apply.

SingSaver's Exclusive Offer: Receive the following rewards when you sign up for a Citi Rewards Card (Team Air Miles):

Citi_CC_KV2_BLOGARTICLE_800x250

Get a Dyson Supersonic (worth S$699) or an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or Sony Portable Theatre System HT-AX7 (worth S$759) or S$450 eCapitaVoucher or S$300 cash via PayNow upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 2 June 2024. T&Cs apply.

Pay_To_Upgrade_Rewards_Campaign_BLOGARTICLE_800x250-1

Plus, upgrade your rewards when you top up S$999 for an Apple MacBook Air 13” (M3 chip) 256GB (worth S$1,599) or an Apple iPhone 15 Pro 128GB (worth S$1,664.25). Alternatively, top up S$1,488 for a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB 5G (worth S$2,128). Valid till 6 June 2024. T&Cs apply.

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UOB One Card

uob-one-card-e1552900605859-3

Key benefits

Up to 3.33% base cashback on eligible spending per quarter, up to 6.67% additional cashback per quarter, and up to 5% enhanced cashback per quarter

Supported mobile wallet(s)

Apple Pay, Google Pay, Samsung Pay UOB Mighty, Fitbit Pay

Annual fee

S$196.20 (first year waived)

Minimum spend

S$500

Minimum income requirement

S$30,000 per year for Singaporeans/PRs, S$40,000 for foreigners

Minimum age

21

If you like the convenience of using mobile wallets such as Google Pay, Apple Pay, and UOB Mighty for your purchases, the UOB One Card offers the same rebates that you would get with the physical card.

In its heyday, the UOB One Card offered up to 5% base cashback every quarter. Though this has since been nerfed to 3.33%, it’s still a solid card worth considering, especially if you have consistent spending habits every month. 

How the cashback mechanism works: you’ll earn a base cashback of 3.33% if you meet the minimum spending requirement of $500, S$1,000, or S$2,000 per month in a quarter. For example, you’ll need to make at least five transactions and spend $2,000 monthly for three months to be eligible for the maximum 3.33% base cashback (S$200). 

On top of the 3.33% base cashback, you’ll also earn an additional cashback of up to 6.67% per quarter if you make a minimum of five transactions in a month a quarter on eligible merchants such as Grab, Shopee, and Dairy Farm merchants. 

For a limited period, new UOB members who sign up for the UOB One Card will also get to enjoy up to 5% enhanced cashback. This effectively means that you can get up to 15% cashback in a quarter. 

If your brain has exploded from information overload, here's a summary table:

For 3 consecutive months 📅
Min. S$500 / S$1,000 spend per month
Min. S$2,000 spend per month
Base cashback
3.33%
Additional cashback
5%
6.67%
Enhanced cashback
(For new-to-UOB cardmembers only)
6.67%
5%
Total cashback earned
Existing UOB cardmembers: 10%
New-to-UOB cardmembers: 15%

As a bonus, you can also earn up to 7.80% p.a. on your UOB One savings account when you spend on selected UOB credit cards, which includes the UOB One Credit Card. 

TeamCashback-VS-TeamMiles-KV2.1_BLOGARTICLE_800x250

🆚SingSaver's Cashback vs Miles Campaign (Round 2) 🆚: Are you Team Cashback or Team Air Miles?

Be one of the first 400 to receive rewards of up to +S$740 Vouchers or up to +74K Miles when you sign up for any participating Cashback or Miles Credit Card, respectively, within the promo period. The team with the most applications wins the rewards! Promo runs from 24 May, 12pm - 6 June 2024. T&Cs apply.

Plus, get up to 31x chances to win a Pair of RETURN Business Class Tickets to Tokyo, Japan (worth 120K Max Miles) in the Grand Lucky Draw when you successfully apply for participating products. Promo runs from 24 May, 12pm - 6 June 2024. T&Cs apply.

UOB One Card Welcome Gift: Enjoy the following rewards when you sign up for a UOB One Card (Team Cashback):

Get S$350 Cash Credit as one of the first 200 new-to-UOB credit cardmembers with a minimum spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 30 June 2024. T&Cs apply.

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Maybank Family & Friends Card

maybank-family-friends-mastercard

Key benefits

8% cashback on five selected categories, capped at S$25 per category and up to S$125 cashback per calendar month 

Supported mobile wallet(s)

Apple Pay, Samsung Pay

Annual fee

S$181.80 (first three years waived)

Minimum spend

S$800

Minimum income requirement

S$30,000 per year for Singaporeans/PRs, S$45,000 for Malaysians, S$60,000 for other foreigners

Minimum age

21

If you're looking for card with a high cashback and flexibility to choose your preferred cashback categories, the Maybank Family & Friends Card is right up your street. 

This credit card offers 8% cashback on your favourite categories. You can pick 5 out of 10 categories ranging from groceries and dining & food delivery to data communication & online TV streaming, and each category offers up to S$25 cashback. This means that you can rack up to S$125 cashback per month

Plus, if you spend a lot of time in Malaysia, rejoice because you'll get an additional category, Malaysian Ringgit Spend, which is automatically included on top of your five preferred categories, giving you additional cashback per month. 

Cashback categories

Description

Groceries (MCC 4411)

NTUC FairPrice, Cold Storage, Giant, Market Place, Sheng Siong, DON DON DONKI, RedMart, and all other groceries and supermarkets globally

Transport (MCC 4111, MCC 4121, MCC 4789, MCC 5541, MCC 5542, MCC 5532, MCC 5533, MCC 5599, MCC 7531, MCC 7535 and MCC 7538, and MCC 8699)

Petrol stations, contactless bus and train rides, taxi, Grab/Gojek, other passenger transportation services and automotive-related services globally

Dining and food delivery (MCC 5812)

Restaurant dining, Foodpanda, and Deliveroo globally

Retail and pets (MCC 0742 and MCC 5995)

POPULAR bookstores, Toys ‘R’ Us, Yamaha Music, pets and veterinary related services globally

Data communication and online TV streaming (MCC 4812, MCC 4814, and MCC 4899)

StarHub, Singtel, M1 Limited, Circles.Life, MyRepublic, Disney+, Netflix, and/or other telecommunication, pay television, cable and radio services globally

Online fashion (MCC 5611, MCC 5621, MCC 5631, MCC 5641, MCC 5651, MCC 5661, MCC 5691, MCC 5699, and MCC 5948)

Online purchases on apparel, shoes, accessories, leather goods, luggage, and other fashion purchases globally

Entertainment (MCC 5813, MCC 7832 and MCC 7922)

Bars, drinking places, cinemas, motion picture theatres, theatrical producers, a nd ticketing agencies globally

Pharmacy (MCC 5912)

Guardian, Watsons, Unity, GNC/LAC, other drug stores and pharmacies globally

Sports and sports apparels (MCC 5655, MCC 5940, MCC 5941, MCC 7032, MCC 7941, MCC 7992, and MCC 7997)

Sports/riding apparels, sporting goods, bicycle shops, recreation and sporting camps, sports club, golf courses, country clubs and membership globally

Beauty and wellness (MCC 7297, MCC 7298, and MCC 7230)

Massage parlors, health and beauty spas, and barber shops globally

Malaysian Ringgit Spend (Additional Bonus Category)

Eligible retail transactions in Malaysian Ringgit which are not transactions counted towards the five (5) Default Categories or Selected Categories (whichever applicable)  

Unlike the UOB One Card, the cashback mechanic on the Maybank Family & Friends Card is more straightforward; to maximise your cashback, you should spend S$312.50 on each of your chosen 8% cashback categories. 

The cherry on top is the Maybank Family & Friends Card also works seamlessly with the Instarem amaze card

When paired with Instarem amaze, you’ll get to enjoy lower foreign currency conversion fees and receive 0.5 InstaPoints per S$1 spent on foreign transactions. On top of this, you’ll continue to gain 8% cashback when you dine, shop, pay for public transport, etc. 

However, if you don’t pair it with amaze, you’ll only earn 0.3% base cashback for overseas spending. Another thing to note is the minimum monthly spending is S$800, which is quite high if you’re not a high spender. 

Also read: Best Maybank Credit Cards in Singapore


UOB EVOL Card

uob-evol-1024x644

Key benefits

8% cashback on online and mobile contactless payments, 0.3% on everything else, capped at S$20 per category and S$60 per month

Supported mobile wallet(s)

Apple Pay, Google Pay, Samsung Pay UOB Mighty, Fitbit Pay

Annual fee

S$196.20 (first year waived)

Minimum spend

S$600

Minimum income requirement

S$30,000 per year for Singaporeans/PRs, S$80,000 for foreigners

Minimum age

21

Formerly known as UOB YOLO Card, the UOB EVOL Card offers 8% cashback on online spending across an extensive list of categories including dining, entertainment, shopping, groceries, food delivery, hotels, and more. 

Additionally, you’ll also get 8% cashback on transactions made with your mobile wallet (Apple Pay, Google Pay, Samsung Pay, UOB Mighty). Lastly, you’ll earn 0.3% cashback on all other spending. 

All in all, you can get up S$20 cashback per category and up to S$60 cashback per month

Cashback

Cap per statement month

8% cashback on online spend

S$20

8% cashback on mobile contactless spend

S$20

0.3% cashback on all other spend

S$20

However, you’ll need to spend a minimum of S$600 monthly to earn the maximum 8% cashback. 

Some transactions are excluded from cashback, including petrol, medical expenses, and utility bills.

You can also earn up to 7.80% p.a. on your UOB One savings account when you spend on your UOB EVOL card. 

UOB EVOL Card Welcome Offer: Get S$350 Cash Credit as one of the first 200 new-to-UOB credit cardmembers with a minimum spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 30 June 2024. T&Cs apply.

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DBS Live Fresh Card

DBS-Live-Fresh-Student-Card-1

Key benefits

Up to 6% cashback on online and in-store shopping spend and transport spend; 0.3% unlimited cashback on all other spend; capped at S$70 per month (S$50 for shopping spend and S$20 on transport spend); no cashback cap for all other eligible spend

Supported mobile wallet(s)

Apple Pay, Google Pay, Samsung Pay

Annual fee

S$196.20 (first year waived)

Minimum spend

S$800

Minimum income requirement

S$30,000 per year for Singaporeans/PRs, S$45,000 for foreigners

Minimum age

21

DBS Live Fresh Card earns you 6% cashback for online transactions and Visa contactless payments, including those made with mobile wallets like Apple Pay, Google Pay, and Samsung Pay. 

The monthly cashback is capped at S$70 per month and split into two categories: S$50 for shopping spend and S$20 for transport spend. Furthermore, no cashback cap is set for all other eligible spend. Though, you’ll need to hit at least S$800 per month to enjoy the maximum cashback. 

Cashback

Monthly cap

Up to 6% on transport spend

S$20

Up to 6% on shopping spend

S$50

0.3% unlimited cashback on all other spend

No Cap

The DBS Live Fresh Card also gives you additional perks for categories such as groceries, petrol, and dining. Lastly, there’s also a standard list of exclusions to note, including instalments, cash advances, fees charged by DBS and bill payments via internet banking. Find out more on their FAQ page.

If you have a DBS Multiplier Account, you can earn an interest rate of 1.80% p.a. when you credit your monthly salary and spend at least S$800 per month on your DBS Live Fresh Card. 

DBS/POSB Credit Card Welcome Gift: Receive up to S$388 cashback or 85,000 miles when you apply for select DBS credit cards and fulfil the relevant promotion criteria. T&Cs apply.


OCBC FRANK credit card

OCBC-FRANK-Platinum-U1200476-Front(RGB)-1

Key benefits

Up to 10% cashback on online, mobile contactless, and foreign currency spending, capped at S$100 per month across four categories (S$25 per category)

Supported mobile wallet(s)

Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay

Annual fee

S$196.20 (first year waived)

Minimum spend

S$800

Minimum income requirement

S$30,000 per year for Singaporeans/PRs, S$80,000 for foreigners

Minimum age

21

The OCBC FRANK credit card offers up to 10% cashback on four categories: online and mobile contactless, green merchants, foreign currency, and other spend with a minimum monthly spend of S$800 per month. 

Here's how the cashback is broken down into.

Cashback category
Details
Overseas spend 
8% cashback rate
 
For purchases made in foreign currency online and in store

Capped at S$25 per month
Local spend
8% cashback rate
 
For online purchases and contactless mobile transactions (Apple Pay, Samsung Pay, Google Pay, Fitbit Pay or Garmin Pay)

Capped at S$25 per month
Green merchants
Bonus 2% cashback rate
 
For transactions on SimplyGo, BlueSG, Scoop Wholefoods, Charge+, electric vehicle charging, Greenlots, SG Bike, Little Farms, and more

Capped at S$25 per month
Other spending
0.3% cashback rate

Capped at S$25 per month

Essentially, you'll earn 8% cashback on mobile contactless and online transactions, and foreign currency transactions (capped at S$25 per category), plus an additional 2% cashback on green merchants (capped at S$25). You'll also earn 0.3% cashback on other eligible transactions (capped at S$25). All in all, you can enjoy up to S$100 cashback per month.


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.

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Read these next:

Best Online Shopping Credit Cards in Singapore
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)
Best Unlimited Cashback Credit Cards in Singapore
How To Ask For Credit Card Annual Fee Waivers

In my past life, I was always broke because of a lack of financial literacy. Now, I publish a few posts every week* on personal finance to help you manage your money better. *I mean, I’ll try

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