The Very Best Credit Cards in Singapore for 2017

Alevin Chan
Last updated Jun 28, 2017

credit cards

Confused about which credit card to get? Here’s a list of the best credit cards in Singapore for dining discounts, air miles, cashback, and reward points.

Updated 28 June 2017.

With the mind-boggling array of credit cards offered in Singapore, finding the one that is ideal for you is no simple task. Not picking the right credit cards mean you’ll miss out on rewards and privileges, and not to forget some solid opportunities for substantial savings.

To help you find the card that gives you more bang for your buck, we’ve put together a list of the best credit cards in Singapore for 2017.

The table you see below is a recap of our top picks. We’ll update this list as deals change, so subscribe to our newsletter to be the first to know!

Best Credit Cards in Singapore for 2017


Credit Card

Why It’s Great

Best Air Miles Credit Cards

DBS Altitude Visa Signature Carddbs-altitude-visa-card-min
  • 1.2 miles per S$1 spent locally
  • 2 miles per S$1 spent overseas
  • 3 miles per S$1 spent on online flights and hotel booking
  • 2 complimentary airport lounge passes per year
  • Up to S$1 million travel accident insurance
Citi PremierMiles Visa Signature CardCiti PremierMiles Visa Card
  • 1.2 miles per S$1 spent locally
  • 2 miles per S$1 spent on foreign transactions
  • 2 complimentary airport lounge passes per year
  • 8 miles per S$1 spent on Agoda (until 31 May 17 only)
  • Up to S$1 million travel accident insurance, and S$1,000 travel inconvenience insurance
  • exclusive – S$100 NTUC voucher for every successful application (until 30 Apr 2017)
American Express Singapore Airlines KrisFlyer Credit Cardcard-krisflyer-blue
  • 1.1 miles per S$1 spent locally and overseas
  • 2 miles per S$1 spent on,, KrisShop and at SilkAir SkyShop, both in-flight and online
  • 30% off Plaza Premium lounge access at selected airports
  • No air miles conversion fee

Best Cashback Credit Cards

HSBC Advance Credit CardHSBC Advance Credit Card
  • Up to 3.5% cashback on all spend
  • Up to S$125 maximum cashback, highest in the market
  • No minimum spend required to earn cashback
Standard Chartered Unlimited Credit Cardstandard-chartered-unlimited-cashback-card
  • 1.5% cashback on all spend, no cashback cap
  • 3% cashback on foreign currency transaction (until 30 Jun 2017)
  • May be used as EZ-Link card
  • Attractive welcome offers
Citi Cash Back Visa Signature CardCiti Cash Back Card
  • 8% cashback at all supermarkets in Singapore
  • 8% cashback at all cafes, restaurants and F&B outlets globally
  • Up to 20.88% cashback at Esso and Shell, 8% cashback at all other petrol stations
  • Additional S$120 cashback as welcome offer
  • Can be used for ERP payments
OCBC 365 CardOCBC 365 CreditCard-no bg
  • 6% cashback on weekend dining, and 3% on weekday and overseas dining
  • 3% cashback on online shopping, groceries and telcos
  • Up to 23.9% savings on petrol

Best Shopping Credit Cards

OCBC Cashflo MasterCardocbccashflow
  • Automatically split your purchases into 3-month or 6-month instalment plans
  • Installment plans are 0% interest
  • Further savings with up to 1% rebate
Standard Chartered SingPost Visa Platinum CardSCB SingPost
  • 7% cashback on eligible online purchases
  • Up to 20% discount on vPost, SingPost and Lock + Store Self-storage
  • 20% cashback on Uber rides (until 30 Sep 2017)
Citi Rewards Visa Signature Cardcitibankrewardscard-300
  • 10 Citi$ per S$1 spent on shoes, bags and clothes – online and offline
  • 10 Citi$ is equivalent to 4 air miles
  • 1 Citi$ per S$1 for all other transactions
  • No minimum spend required

Best Dining Credit Cards

American Express Platinum Credit CardAmerican Express Platinum Card
  • Up to 50% off total food bill at selected hotels and restaurants with the Love Dining @ Restaurants and Love Dining @ Hotels programme
  • Complimentary Far Card membership
  • Complimentary or 1-for-1 drinks at top lounges and bars
  • Global dining savings with American Express Selects
CIMB Visa Signature Cardcimb visa signature card
  • 8% cashback on dining worldwide
  • 10% cashback on online spend in foreign currency
  • Dining cashback capped at S$25 per month

Is your favourite credit card not in the list? Tell us about it in the comments – we want to know!

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Alevin ChanBy Alevin Chan
A Certified Financial Planner with a curiosity about what makes people tick, Alevin’s mission is to help readers understand the psychology of money. He’s also on an ongoing quest to optimize happiness and enjoyment in his life.

Alevin Chan June 28, 2017 13992