Best Credit Cards for S$600 Monthly Spend

Denise Bay
Last updated Jun 02, 2022

Here’s a round up of the best minimum spend S$600 credit cards in Singapore. For good measure, we’ve included credit cards with no minimum spend, too. 

Credit cards can certainly be very rewarding if you play your cards right. Our top picks for the best minimum spend S$600 credit cards in Singapore let you earn a whopping 6% to 10% cashback easily, which may help you curb inflation in Singapore

Find out what these minimum spend S$600 credit cards are, along with the best credit cards with S$500 and S$300 minimum spend. To make things even sweeter (and a tad more convenient), we’ve also gathered the top credit cards with no minimum spend for your easy reference.  

Best minimum spend S$600 credit cards 

#1 UOB EVOL Card

UOB EVOL Card is a superbly fuss-free cashback credit card that lets you earn 8% cashback on online purchases and mobile contactless payments made via Apple Pay, Google Pay, Samsung Pay and Fitbit Pay. All you have to do is ensure you hit the minimum S$600 spend requirement within the statement month.

What about other types of spending? You’ll earn unlimited 0.3% cashback. 

Bear in mind the maximum cashback you can earn on the UOB EVOL Card is S$60 each statement month, split into S$20 per category (i.e. online, mobile contactless and other spend). 

SingSaver Exclusive Offer:

Receive S$250 Grab voucher when you apply and get approved for a UOB Credit Card. Be the first 200 new-to-UOB cardmembers and make a minimum spend of S$1,500 within 30 days. Valid till 30 June 2022. T&Cs apply.

Related to this topic: 
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#2 DBS Live Fresh Card

Do you shop online, prefer to make contactless payments and happen to have a penchant for living as sustainably as you possibly can? The DBS Live Fresh Card is for you. 

This cashback credit card lets you snag 5% cashback on online and Visa contactless transactions, plus an extra, exclusive 5% sustainable cashback on selected eco-eateries, retailers, and transport services — if you spend at least S$600 on the card each calendar month. All other spendings will earn an unlimited 0.3% cashback. 

Is there any cashback cap you should be aware of? The maximum cashback you can earn on the DBS Live Fresh Card is S$75 each calendar month, split into S$20 on online spend; S$20 on Visa contactless spend; S$20 on all other spend; and S$15 on sustainable spend. 


Welcome Gift: Receive S$150 cashback when you key in the promo code 150CASH upon application and make a minimum spend of S$800 within 60 days of card approval. Valid till 30 June 2022. T&Cs apply.

Find more DBS/POSB credit cards here. If you’re not a new DBS/POSB credit cardmember, consider these promotions instead.


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#3 OCBC FRANK

OCBC FRANK lets you earn 6% cashback on all your online and in-app purchases, 

Enjoy 6% cashback on online and in-app spending,in-store mobile payments via Apple Pay, Samsung Pay, Google Pay, Fitbit Pay and Garmin Pay and in-store foreign currency spending. 

Regardless of whether you’re booking travel tickets, shopping for new clothes or stocking up on groceries, OCBC FRANK has you covered. All you need to do is make a minimum spend of S$600 each calendar month. 

Take note that the maximum cashback you can earn on the OCBC FRANK is S$75 each calendar month, split into S$25 on online and in-app spend; S$25 on in-store mobile payments and foreign currency spending; and S$25 on all other spend. 

Related to this topic: 
Credit Card Comparison: DBS Live Fresh vs UOB EVOL vs OCBC FRANK

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Best minimum spend S$500 credit card 

UOB One Card

If you prefer an all-round cashback credit card, look no further than UOB One Card. This cashback credit card lets you earn 3.33% cashback on literally everything you purchase. 

With its recently updated cashback mechanics, the UOB One Card offers 3.33% cashback when you spend S$500, S$1,000 or S$2,000 each statement month consecutively for each calendar quarter. This translates to a quarterly cashback of S$50, S$100 and S$200. 

You can very well earn an extra 5% or 6.67% cashback if you use your credit card strategically on SimplyGo (bus and train rides), Shopee, Grab, Dairy Farm International (e.g. Cold Storage, Giant, Marketplace, Jasons, Jasons Deli, CS Fresh, Guardian, 7-Eleven), and UOB Travel transactions (i.e. up to a total of 10%). 

 The extra cashback you’re eligible for depends on the quarterly cash rebate you’ve earned: 

  • Extra 5% cashback if you qualify for S$50 or S$100 quarterly cash rebate
  • Extra 6.67% cashback if you qualify for S$200 quarterly cash rebate

SingSaver Exclusive Offer:

Receive S$250 Grab voucher when you apply and get approved for a UOB Credit Card. Be the first 200 new-to-UOB cardmembers and make a minimum spend of S$1,500 within 30 days. Valid till 30 June 2022. T&Cs apply.

Related to this topic: 
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5 Credit Cards That Will Help You Save The Most Money in 2022

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Best minimum spend S$300 credit card 

Maybank Platinum Visa Credit Card 

Fret not if you aren’t confident in making a minimum monthly spend of S$600 or S$500. The Maybank Platinum Visa Credit Card could be the cashback card for you with its easily attainable minimum monthly spend of S$300. 

This credit card lets you earn 3.33% cashback on all your local spend and foreign currency spend so long as you charge a minimum of S$300 per month for each calendar quarter. The maximum cashback you can earn per calendar quarter is S$100. 


SingSaver Exclusive Offer:

Receive a Samsonite Harts 68/25 Spinner (worth S$500) when you apply for a credit card & a CreditAble account and make a min. spend of S$300 per month for 2 consecutive months. Valid for the first 4,500 applicants. The 4,501 applicant onwards will score a S$100 cashback instead. Terms and Conditions apply.

maybank-platinum-visa-card

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How to reach minimum spending requirements

The easiest way to reach minimum spending requirements stipulated by credit card companies is to consolidate your expenses. This is why it is so important that you pick the right credit card for your unique needs and lifestyle.

Married with kids in tow? Consider getting supplementary cards for your spouse or children if you need some help hitting those minimum spend requirements! 

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Best credit cards with no minimum spend

Credit CardCashback Rate
UOB Absolute 1.7%
Citi Cash Back+1.6%
American Express True Cashback1.5%
Standard Chartered Unlimited 1.5%

What credit card is good for beginners? Zoom in on UOB Absolute, Citi Cash Back+, American Express True Cashback, and Standard Chartered Unlimited. These credit cards are great for anyone and everyone, including credit card newbies and fresh grads.

Definitely spare some time to read up on UOB Absolute vs Citi Cash Back+ vs SCB Unlimited and American Express True Cashback vs Citi Cash Back+ vs SCB Unlimited to help you determine which one of the above-mentioned no minimum spend credit cards could be the one for you! 

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7 Reasons Why Men Should Sign Up for Women’s Credit Cards


By Denise Bay
While Denise has a thing for travel, K-dramas, 0% sugar bbt (with boba!), Japanese cuisine and flat white, her curious nature means all sorts of random tabs are open on her phone 24/7. She doesn’t like to pay full price for anything, too.


Denise Bay June 2, 2022 90768