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Best Credit Cards For Mobile Wallet Payments (2023)

Yen Joon

Yen Joon

Last updated 29 November, 2023

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

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 10% cashback on online, eco-merchants, and mobile contactless payments; capped at S$75 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


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

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, 4722, 7011

Singapore Airlines, Emirates, Qatar Airlines, Cathay Pacific, Scoot, Hilton, Marriott, Hyatt Hotels, Booking.com, Agoda, Expedia

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

 

SingSaver's Exclusive Offer: Enjoy 2x chances to win your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions. Valid till 20 December 2023. T&Cs apply. Click here to check out our past Lucky Draw winners!

Receive a Samsonite ZELTUS 69cm Spinner Exp with built-in scale (worth S$680) or S$150 cashback when you spend at least S$1,000 by the end of the following calendar month after the card account opening date and provide marketing consent when you apply. Valid till 31 Dec 2023. T&Cs apply.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 7 January 2024. T&Cs apply. Applicable to HSBC TravelOne and HSBC Revolution Credit Cards only.

 

 


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$194.40 (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.

 

CITI__BLOGARTICLE_800x250

SingSaver's Exclusive Offer: Enjoy 3x chances to win your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions. Valid till 20 December 2023. T&Cs apply. Click here to check out our past Lucky Draw winners!

Receive an Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$503.65) or Dyson Supersonic (worth S$699) or Dyson V8 Slim Fluffy (worth S$509) or S$300 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval. Valid till 14 December 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.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 7 January 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$194.40 (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. 

UOB_BLOGARTICLE-3

SingSaver's Exclusive Offer: Enjoy 1x chance to win your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions. Valid till 20 December 2023. T&Cs apply. Click here to check out our past Lucky Draw winners!

Receive S$350 cash credit or up to 50,000 miles when you apply for select UOB credit cards and fulfil the minimum spending requirements. T&Cs apply.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 7 January 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$180 (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

Cashback categories

Description

Groceries

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

Transport

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

Dining and food delivery

Restaurant dining, Foodpanda, and Deliveroo globally

Retail and pets

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

Data communication and online TV streaming

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

Online fashion

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

Entertainment

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

Pharmacy

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

Sports and sports apparels

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

Beauty and wellness

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

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

 

MAYBANK_$60_BLOGARTICLE_800x250-1

SingSaver's Exclusive Offer: Enjoy 1x chance to win your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions. Valid till 20 December 2023. T&Cs apply. Click here to check out our past Lucky Draw winners!

Maybank Horizon Visa Signature Credit Card Only: Receive S$60 cash via PayNow when you apply and get approved for the Maybank Horizon Visa Signature Credit Card. New-to-Maybank cardmembers only. Valid till 20 December 2023. T&Cs apply.

Plus, choose a pair of American Tourister Linex Spinner 66/24 Luggage (worth S$336) or an Apple AirPods 3rd Gen with Lightning Charging Case (worth S$261.40) or S$200 cashback when you apply for a new Maybank credit card and CreditAble account, and make a min. spend and/or withdrawal of S$600 per month for 2 consecutive months from card approval date. Valid till 20 December 2023. T&Cs apply.


Other Maybank credit cards: Choose a pair of American Tourister Linex Spinner 66/24 Luggage (worth S$336) or an Apple AirPods 3rd Gen with Lightning Charging Case (worth S$261.40) or S$200 cashback when you apply for a new Maybank credit card and CreditAble account, and make a min. spend and/or withdrawal of S$600 per month for 2 consecutive months from card approval date. Valid till 20 December 2023. T&Cs apply.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 7 January 2024. T&Cs apply.

 

 


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$194.40 (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 online and in-store purchases 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_BLOGARTICLE-3

SingSaver's Exclusive Offer: Enjoy 1x chance to win your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions. Valid till 20 December 2023. T&Cs apply. Click here to check out our past Lucky Draw winners!

Receive S$350 cash credit or up to 50,000 miles when you apply for select UOB credit cards and fulfil the minimum spending requirements. T&Cs apply.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 7 January 2024. T&Cs apply.

 

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DBS Live Fresh Card

DBS-Live-Fresh-Student-Card-1

Key benefits

Up to 10% cashback on online, eco-merchants, and mobile contactless payments; capped at S$75 per month (S$20 for online spend, S$20 for mobile contactless, S$20 for all other spend, and S$15 for sustainable spend)

Supported mobile wallet(s)

Apple Pay, Google Pay

Annual fee

S$194.40 (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

DBS Live Fresh Card earns you 5% cashback for online transactions and Visa contactless payments, including those made with mobile wallets like Apple Pay, Google Pay, and Samsung Pay. 

Aside from that, you’ll also get 5% green cashback for ‘sustainable’ transactions. These are eco-merchants such as Little Farms, BlueSG, SimplyGo rides, SG Bike, and Sasha’s Fine Goods.  

The monthly cashback is capped at S$60 per month and split into three categories: S$20 for online spend, S$20 for contactless payments, and S$20 for all other spend. However, you can earn a further S$15 cashback for sustainable spend, or up to S$75 per month. Though, you’ll need to hit at least S$600 per month to enjoy the maximum cashback. 

Cashback

Monthly cap

Up to 5% on contactless spend

S$20

Up to 5% on online spend

S$20

Additional 5% on sustainable spend

S$15

0.3% on all other spend

S$20

Total

S$75

However, the DBS Live Fresh Card doesn’t give you additional perks for categories such as groceries, petrol, and dining. Lastly, there’s also a standard list of exclusions to note, including recurring bill payments, parking, insurance payments, and so on. 

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$500 per month on your DBS Live Fresh Card. 

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.

 

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$194.40 (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 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.

OCBC_TI90FRANK_BLOGARTICLE_800x250

SingSaver Exclusive Offer: Enjoy 3x chances to win your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions. Valid till 20 December 2023. T&Cs apply. Click here to check out our past Lucky Draw winners!

Receive an AirPods Gen 3 + MagSafe Charger bundle (worth S$330.50) or Samsonite Volant Spinner 68/25 EXP + 2x Apple AirTag Travel Bundle (worth S$570) or S$300 eCapitaVoucher or S$280 Cash via PayNow when you make a min. spend of S$500 within 30 days of card approval. Valid till 30 November 2023. T&Cs apply.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 7 January 2024. T&Cs apply.

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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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