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.
Overview: best credit cards to use for mobile payments
|
Credit card |
Credit card type |
Key benefits |
|
|
Rewards |
10X rewards (4 mpd or 2.5% cashback) on qualified online and offline contactless payments |
|
|
Rewards |
10X rewards (4 mpd or 2.5% cashback) on eligible retail and online transactions |
|
|
Cashback |
Up to 15% cashback per quarter, capped at S$50/S$100/S$300 per quarter |
|
|
Cashback |
8% cashback on five selected categories, up to S$125 per calendar month |
|
|
Cashback |
8% cashback on online and mobile contactless payments, up to S$60 per month |
|
|
Cashback |
Up to 6% cashback online and in-store shopping spend and transport spend (including SimplyGo); capped at S$70 per month |
|
|
Cashback |
Up to 10% cashback on online, mobile contactless, and foreign currency spending; capped at S$100 per month |
HSBC Revolution Card
|
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 |
|
Travel related such as airlines, car rental, 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 |
|
Supermarkets, dining and food delivery |
5411, 5441, 5462, 5499, 5811, 5812, 5813, 5814 |
NTUC FairPrice, Sheng Siong, Cold Storage, GrabFood, FoodPanda, Deliveroo |
|
Others such as transportation and membership clubs |
4121, 7997 |
Grab, Comfort, Gojek, TADA, Anytime Fitness |
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 they’re qualified transactions but not eligible transactions such as non-contactless payments or if the merchant doesn’t fall under the eligible MCC.
There are also certain transactions that are 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.
.png?width=800&height=250&name=HSBC_CC_18%20MAR_BLOGARTICLE_800x250%20(2).png)
SingSaver's Exclusive Offer: Enjoy the following rewards when you sign up for an HSBC Revolution Card:
Receive a Dyson Supersonic™ hair dryer (worth S$699) or an ErgoTune Joobie (worth S$599) or an Apple iPad 9th 10.2" WiFi 64GB (worth S$508.30) or S$350 eCapitaVoucher or S$150 cash via PayNow upon activating and spending min. S$500 by the end of the following calendar month from the card account opening date. Valid till 14 May 2024. T&Cs apply.
Citi Rewards Card
|
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).
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.
⚡Flash Deal⚡: Be one of the first 500 applicants to get a PlayStation 5 Disc Version (worth S$799) or Dyson Airwrap (worth S$859) or S$500 ecapitaVoucher when you apply for a Citi Card and spend a minimum of S$500 within 30 days of card approval. Remaining applicants will enjoy existing rewards. Applicable to new-to-Citibank cardmembers only. Promo runs from 9 April, 9AM SGT - 2 May 2024. T&Cs apply.
SingSaver's Exclusive Offer: Receive the following rewards when you sign up for a Citi Rewards Card:
Get a Dyson Supersonic (worth S$699) or Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or Dyson V8 Slim Fluffy (worth S$509) or S$400 eCapitaVoucher or S$300 cash via PayNow upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 30 April 2024. T&Cs apply.
UOB One Card
|
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.
Maybank Family & Friends Card
|
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
|
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.
DBS Live Fresh Card
|
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 |
|
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 |
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.
OCBC FRANK credit card
-1.png?width=250&height=155&name=OCBC-FRANK-Platinum-U1200476-Front(RGB)-1.png)
|
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.
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
Similar articles
DBS/POSB Credit Cards: Which Card Should You Add To Your Wallet?
Best Credit Cards For Overseas Spending in Singapore
Google Pay: Free Cashback On PayNow Transfers And In-store Payments
11 Credit Cards You Can Use As Your EZ-Link Card For Bus/MRT Via SimplyGo
The Only Credit Card Guide You Need in Singapore 2024: Cashback, Miles, Rewards
7 Smart Ways To Meet Your Credit Card Minimum Spend To Earn The Welcome Reward
Mobile Wallets In Singapore: Complete 2023 Guide
The 10 Most Popular Credit Cards Amongst Millennial SingSaver Staff
Back to Blog 
.png?width=280&name=UOB_MIGHTYFX_FIXED%20FEE_BLOG%20HERO%20(1).png)
