Most Popular Credit Cards In Singapore 2020

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Wondering which credit card to apply for? Here’s a round-up of the top 5 most popular credit cards in Singapore to get you started.

Which are the most popular credit cards in Singapore? Depending on what you value and what you spend each month, you can save thousands of dollars in cashback or air miles each year simply by choosing the right credit card.

Here are the 5 most popular credit cards in Singapore, based on our data:

Editor’s note: Credit card welcome offers are subject to change at any time. This article was last updated in January 2020.

1. Standard Chartered Unlimited Credit Card: A great fuss-free cashback credit card

The Standard Chartered Unlimited Cashback Card is a no-brainer when it comes to calculating your cashback per month.

First, almost all spend qualifies you for 1.5% cashback.

Second, there’s no cashback cap per month.

And third, no minimum spend is required per month — gone are the days having to worry if you’ve met the minimum spend per month on your card. It’s definitely a great fuss-free cashback credit card for all-rounded spending.

And the best part? You can get instant digital credit card approval and issuance if you apply via MyInfo!

$50 cash next day, upon approval
(existing customers)*,
$120 cash next day, upon approval*
(new customers)
Low cashback rate of 1.5%
$20 cashback (existing customers)*,
$80 cashback (new customers)*
No minimum spend or cashback cap 
Annual income of $30,000 p.a. 

*Offer only on SingSaver, not via the bank

This means $200 cash and cashback for new customers, and $70 cash and cashback for existing customers if you apply for the Standard Chartered Unlimited Credit Card through SingSaver!

2. American Express Singapore Airlines Krisflyer Credit Card: No messy conversion fees

The AMEX KrisFlyer Blue, as it’s affectionately called, offers one of the best air miles welcome bonus to help jumpstart your air miles game.

It comes with a first-year annual fee waiver and unlike other cards, there are no messy conversion fees to transfer miles to your KrisFlyer frequent flyer program.

Deciding between the AMEX Blue and the AMEX Ascend? Read our quick but comprehensive guide to deciding which is better suited for you.

Receive up to 23,000 KrisFlyer welcome and bonus miles, and $150 cashback within the first 6 months of membership:

  • 5,000 bonus miles on the first spend (new cardholders only)
  • Spend $5,000 within first 3 months to receive 13,000 miles + 4,500 miles on 1.1 earn rate
  • 500 miles on the first spend on Grab
  • $150 cashback for use on your next purchase on when you spend $12,000 on your Card till 30 June 2020
  • 1,500 miles each, for the first two approved supplementary cards
Up to 23,000 KrisFlyer welcome and bonus miles, and $150 cashback (new customers)Low earn rate of $1 = 1.1 miles on local spend
No conversion fees to transfer miles 
First-year annual fee waiver 
$1 = 2 miles on 
$1 = 3.1 miles on Grab rides and select coffee, fast food, food delivery, pharmacy, and entertainment merchants 
American Express Singapore Airlines KrisFlyer Credit Card

3. Citibank Cash Back Visa Card: High cashback rates for dining, groceries, petrol & Grab rides

The Citi Cash Back Visa Card offers one of the highest cashback rates for dining, Grab, groceries and petrol compared to other cards on the market. Coupled with a relatively low minimum monthly spend of $888, it’s a well-rounded, multi-purpose card ideal for dining out, supermarket shopping and Grab rides or filling up fuel if you own a car.

Bonus 8% cash back on Dining, Groceries & Petrol daily, worldwide.Cashback cap of $25 per category per month
Fuel savings of up to 20.88% at Esso & Shell
Up to $1,000,000 coverage when you charge your travel tickets to the card.
Low minimum spend of $888 per month required to earn cashback. 
Annual income of $30,000 p.a. 

*Offer only on SingSaver, not via the bank.

Citi Cash Back Visa Card 2019

4. UOB PRVI Miles Visa Card: Up to 6 mpd on travel sites

The UOB PRVI Miles Card is recognised to be one of the best air miles cards in Singapore, thanks to its generous earn rate of 1.4 miles per dollar (local) and 2.4 miles per dollar (overseas). On travel booking sites such as Expedia and Agoda, this earn rate can go as high as 6 miles per dollar.

What’s also surprising is that the annual income requirement is only $30,000 so it’s a great entry-level card to really start racking up miles.

$20 cash reward when your card is approvedLow welcome offer
Up to $100 cash credit for new credit cardholders who charge a minimum of $1,000 within first 30 days. Promotion valid till 31 January 2020.
High miles earn rate of $1 = 3 miles on all Klook spend
High miles earn rate of $1 = 6 miles on travel sitesNo travel-related privileges (airport lounge access, limousine service)
High miles earn rate of
$1 = 1.4 miles (local spend) and
$1 = 4.4 miles (overseas spend)
Annual income of $30,000 p.a. 
UOB PRVI Miles Card

5. HSBC Visa Infinite Card: Highest welcome bonus miles and exclusive travel perks

The HSBC Visa Infinite Card is a premium credit card offering one of highest welcome bonus miles and exclusive travel perks such as unlimited access to airport lounges, airport limousine and express immigration clearance.

Senior business executives who travel often for work or leisure may want to check this out. It comes with an annual income requirement of $120,000 and a hefty $650 annual fee.

35,000 welcome miles upon approval and annual fee paymentLow miles earn rate for local and overseas spend
Unlimited lounge access across 1,200 airportsHigh annual fee of $650
1 airport limousine transfers and express immigration clearance on $2,000 spent on eligible purchases per month High min. income of $120,000 p.a.
Access to over 1,200 VIP airport lounges worldwide with Priority Pass auto-enrolment$40 conversion fee to air miles

Compare and apply for the best credit cards on SingSaver

Whether you’re on team cashback, air miles, or rewards, you can always save time comparing on SingSaver. Apply through us too and receive exclusive welcome gifts – on top of the bank’s own sign-up bonuses!

Read these next:
The Best Miles Cards… May Be Rewards Cards
Top 6 Air Miles Credit Cards in Singapore
Why Citi PremierMiles Visa May Be the Most Useful Miles Card in Singapore
6 Credit Cards That Give Free Access To Airport Lounges
Best Women’s Credit Cards in Singapore

Rohith Murthy

By Rohith Murthy
Rohith leads SingSaver, a financial comparison site aimed at helping consumers in Singapore save money and time by finding the right financial products.