Best Credit Cards For Mobile Wallet Payments (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

HSBC Revolution Card

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. 

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. 

Citi Rewards Card

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.

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UOB One Card

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:

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. 

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Maybank Family & Friends Card

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. 

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

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. 

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. 

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DBS Live Fresh Card

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. 

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. 

OCBC FRANK credit card

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.

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.

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