In all likelihood, you got a new credit card not only for its perks, but its can’t-miss signup gift. Here’s a look at some of the best ones being offered by banks in Singapore.
Banks often use attractive welcome rewards as a means to entice consumers to snag a credit card, and also to stand out from the rest of the pack. But before you head off to sign up for the best credit card to get yourself that reward, let’s first examine when is the best time for you to get a credit card.
Table of contents
- When should you get a new credit card?
- Best miles credit card sign-up promos on SingSaver
- Best cashback credit card sign-up promos on SingSaver
When should you get a new credit card
- When you are new-to-bank
Being new to the bank is one of the main criteria to be eligible for a credit card’s sign-up reward. To be classified as a new-to-bank customer, you cannot have owned the bank’s credit card in the last 12 months. This means that fortunately, you are not limited to receiving just one sign-up bonus from the bank in your lifetime.
If you play your cards right, you can enjoy welcome gifts from the same bank every few years. If you are an existing customer, you will not be eligible for most of the bank’s welcome promotions. You can instead consider applying for credit cards from other banks to make the most of sign-up promotions.
- When you have a big spending coming up
Most credit card welcome bonuses require minimum spending within the first three to six months. It often ranges between S$500 to S$6,000.
If you know you have a big-ticket purchase coming up, such as home furniture, wedding expenses or multiple travel bookings, you can consider getting a new credit card beforehand. This allows you to hit the spending requirement with ease. From Apple Airpods to ErgoTune Chairs, keep your eyes peeled for SingSaver's slew of credit card welcome bonus rewards.
Check out our list of cards eligible for this promotion here.
Read more:
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Credit card preferences also differ based on lifestyles. Some prefer to chase miles, while others might opt for monetary returns in the form of cashback. Here are the credit card welcome offers currently available.
Miles Credit Cards
For the globetrotters, having a miles card (or a wallet full of miles cards) is a given. Earning miles on all your spending can go towards paying for your next travel (whenever that will be). You can even earn yourself a luxurious experience by flying first class with your miles.
Here are the miles card for you to consider to help you get a headstart on your miles journey.
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Credit Card
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Welcome Offer
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Key highlights of card
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American Express Singapore Airlines KrisFlyer Ascend Credit Card
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1.1 mpd on local spend
3.1 mpd on Grab (capped at S$200 every month)
12,000 Bonus KrisFlyer miles or S$150 Statement Credit upon upgrade to KrisFlyer Ascend Credit Card
Receive S$80 Statement Credit when you successfully refer a friend
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1.2 mpd on local spend
Earn 7 miles per S$1 on Agoda
Earn 10 miles per S$1 on Kaligo
Two complimentary visits every year to airport lounges worldwide
Citi Miles never expire
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Earn 10X Rewards Points (4 mpd) on:
- Online and retail purchases
- Rides with Grab, Gojek etc.
- Online food delivery
- Online groceries
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1.2 mpd on local spend
2 mpd on overseas spend
3 mpd on online flight and hotel transactions
8mpd on flight and accommodation transactions at Expedia
10mpd on hotel transactions at Kaligo
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10X Reward points (4 mpd) on contactless payments and online purchases
1 Reward point (0.4mpd) for all other spends
Enjoy complimentary ENTERTAINER with HSBC access
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HSBC Visa Platinum Card
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5% cash rebate on family spend, including dining, groceries, and petrol
1 Reward Point per S$1 on all spend
Extra 1% cashback if you hold an HSBC Everyday Global Account and qualify for HSBC Everyday+
Enjoy complimentary ENTERTAINER with HSBC access
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Earn 2 Membership Rewards Points for every $1.60 spent
Up to 50% off your food bill at over 50 restaurants
Receive S$120 statement credit when you successfully refer a friend
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Standard Chartered Journey Card
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⚡Flash Deal⚡: Get an Apple iPhone 15 128GB (worth S$1,311) on top of existing rewards when you are the 7th applicant and every subsequent 10th applicant (7th, 17th, 27th, 37th, etc.) for select Standard Chartered credit cards and fulfil all promo criteria. Valid till 31 July 2024. T&Cs apply.
SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Standard Chartered Journey Card: Receive an Apple AirPods Pro (worth S$365.70) or up to 60K Max Miles or S$280 eCapita Voucher or S$250 Cash via PayNow when you apply and spend min. S$500 within 30 days of card activation & approval. Eligible for new Standard Chartered cardholders only. Valid till 31 July 2024. T&Cs apply. Get the additional 45k miles when you apply with annual fee payment (S$196.20 incl. GST) and make a min. spend of S$3,000 within 60 days of card approval. Valid till 31 July 2024. T&Cs apply. ⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up specific amounts. Valid till 31 July 2024. T&Cs apply.
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1.2 mpd on local spend
2 mpd on foreign spend
3 mpd on selected online transactions for transportation, grocery, and food delivery merchants (capped at S$1,000 per statement month)
2 complimentary Priority Pass lounge visits per year
360° Points never expire
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DBS Woman's Card
 DBS Woman's World Card 
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e-Commerce protection on all online purchases
Extra 5% cashback on overseas shopping and dining
DBS Woman's Card
2 mpd on online spend
0.4 mpd on all other spend
2 mpd rate capped at S$1,000 spend per month
DBS Woman's World Card
4 mpd on online spend
1.2 mpd on overseas spend
0.4 mpd on all other spend
4 mpd rate capped at S$1,500 spend per month
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UOB PRVI Miles AMEX Card
 UOB PRVI Miles Visa Card 
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1.4 mpd on local spend
2.4 mpd on overseas spend (including online shopping on overseas website)
6 mpd on major airlines, hotel bookings on Agoda, Expedia, and UOB Travel
1 mpd on monthly bills, rent, taxes, and one-time big-ticket purchases (with UOB PRVI Miles Payment Facility)
Up to S$500,000 complimentary travel insurance coverage
UOB AMEX only: 2 complimentary airport transfers per quarter ✈️🌍 with min. S$1,000 overseas spend within same quarter
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UOB Lady's Card
 UOB Lady's Solitaire Card 
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UOB Lady's Card
6 mpd on preferred category (Beauty & Wellness, Fashion, Dining, Family, Travel, Transport, Entertainment)
0.4 mpd on all other spend
e-Commerce protection on purchases
UOB Lady's Solitaire Card
6 mpd on two preferred categories (Refer to above)
0.4 mpd on all other spend
Up to S$100,000 complimentary travel insurance coverage
e-Commerce protection on purchases
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If you have plans to spend close to S$5,000 over the next few months, you can consider the American Express cards. However, if you aren't a big spender, you can instead consider the KrisFlyer UOB or the Citi Rewards card.
Cashback Credit Cards
The most generous welcome gifts tend to be offered for miles cards, in the form of miles or reward points. However, if you prefer receiving cashback or cash rebate to go towards offsetting your credit card bills and the such, here are a few that do offer welcome gifts.
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Credit Card
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Welcome Offer
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Key highlights of card
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DBS Live Fresh Card
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Up to 6% cashback on local and overseas shopping spend and transport spend
0.3% unlimited cashback on all other spend
Min. S$800 monthly spend, capped at S$70 cashback:
- S$50 on shopping spend
- S$20 on transport spend
No cashback cap on all other spend
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No min. spend
5% cash rebates on Sheng Siong groceries, utility bills, and public transport via SimplyGO
3% cash rebates at Watsons, Pet Lovers Centre
0.3% cash rebates on all other spend
10% cash rebates on food delivery
3% cash rebates on dining
5% cash rebates on online shopping
8% cash rebates at POPULAR physical and online stores
3% cash rebates on phone bills
Bonus: Up to 20.1% fuel savings at SPC and extra 2% fuel savings at SPC
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Min. S$800 monthly spend, capped at S$80 cashback per month
6% cashback on food delivery & dining, and all petrol
3% cashback on groceries, private hire rides, utility bills, online travel transactions
0.3% cashback on all other spend
Bonus: Up to 22.92% fuel savings at Caltex, and up to 21.04% fuel savings at Esso
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HSBC Visa Platinum Card
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⭐HSBC CC Lucky Draw⭐: Apply for an HSBC Credit Card and get the chance to win a Mercedes-Benz EQB or 86,000 KrisFlyer miles (enough for a round-trip economy class ticket to Paris). Get up to 30+ chances to win when you apply for HSBC Credit Cards and spend a minimum of S$500. Valid till 23 September 2024. T&Cs apply. SingSaver Exclusive Offer: Enjoy the following rewards when you sign up for an HSBC credit card.
HSBC Advance Card (📣Offer Only Available on SingSaver📣): Receive a Dyson V8 Slim™ Fluffy (worth S$509) or an Apple iPad 9th 10.2" WiFi 64GB (worth S$508.30) or a BEA Office Chair (worth S$509) or S$350 eCapitaVoucher upon activating and spending min. S$500 by end of the following calendar month from the card account opening date and providing marketing consent. Valid till 31 July 2024. T&Cs apply.
HSBC Live+ Card: Receive a FLUJO SmartTrax Standing Desk (worth S$699) or a Dyson AM07 (worth S$459) or a Sony WF-1000XM5 (worth S$429) or S$300 eVoucher (Redeem from Merchants such as Shopee, Grab) upon activating and spending min. S$500 by end of the following calendar month from the card account opening date and providing marketing consent. Valid till 31 July 2024. T&Cs apply.
Get up to S$900 worth of vouchers and cashback with Live+:
HSBC TravelOne Credit Card: Receive a Dyson Supersonic™ hair dryer (worth S$699) or an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or an Apple Watch Series 9 (worth S$604.50) or S$400 eVoucher (Redeem from merchants like Klook) or 27K Max Miles upon activating and spending min. S$1,000 plus pay annual fee of S$196.20 by end of the following calendar month from the card account opening date and providing marketing consent. Available for both new and existing card holders. Valid till 31 July 2024. T&Cs apply.
⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up as low as S$100. Valid till 31 July 2024. T&Cs apply.
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5% cash rebate on family spend, including dining, groceries, and petrol
1 Reward Point per S$1 on all spend
Extra 1% cashback if you hold an HSBC Everyday Global Account and qualify for HSBC Everyday+
Enjoy complimentary ENTERTAINER with HSBC access
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SingSaver's Exclusive Offer: Receive the following rewards and experience Fastest Rewards Fulfilment when you sign up for a Citi Credit Card:
*📣For Citi PremierMiles Card: Receive a Samsonite Straren Spinner 67/24 + 2X AirTag (worth S$690.80) or a Dyson Supersonic (worth S$699) or an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or 21K Heymax Miles or S$300 Cash + $150 Shopee Vouchers upon activating and spending a minimum of S$500 within 30 days of card approval. This card is exclusively available on SingSaver. Valid until 31 July 2024. T&Cs apply. Get an additional S$100 eCapitaVoucher when you simultaneously open a Citi Citigold Account. Valid until 31 July 2024. T&Cs apply. *📣For Citi Prestige Card: Get a Samsonite Straren Spinner 67/24 + 2X AirTag (worth S$690.80) or a Dyson TP10 (worth S$599) or 18K Heymax Miles (worth S$300) or S$320 eCapitaVoucher upon activating and spending a minimum of S$500 within 30 days of card approval. This card is exclusively available on SingSaver. Valid until 31 July 2024. T&Cs apply. *📣ONLY AVAILABLE ON SINGSAVER📣 Other Citi Credit Cards: Receive an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or a Dyson Supersonic (worth S$699) or a Dyson Micro 1.5kg Vacuum (worth S$599) or S$300 Cash + $150 Shopee Vouchers upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 31 July 2024. T&Cs apply.
⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up as low as S$100. Valid till 31 July 2024. T&Cs apply.
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1.6% cashback on all spend
No min. spend required, no cap
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⭐HSBC CC Lucky Draw⭐: Apply for an HSBC Credit Card and get the chance to win a Mercedes-Benz EQB or 86,000 KrisFlyer miles (enough for a round-trip economy class ticket to Paris). Get up to 30+ chances to win when you apply for HSBC Credit Cards and spend a minimum of S$500. Valid till 23 September 2024. T&Cs apply. SingSaver Exclusive Offer: Enjoy the following rewards when you sign up for an HSBC credit card.
HSBC Advance Card (📣Offer Only Available on SingSaver📣): Receive a Dyson V8 Slim™ Fluffy (worth S$509) or an Apple iPad 9th 10.2" WiFi 64GB (worth S$508.30) or a BEA Office Chair (worth S$509) or S$350 eCapitaVoucher upon activating and spending min. S$500 by end of the following calendar month from the card account opening date and providing marketing consent. Valid till 31 July 2024. T&Cs apply.
HSBC Live+ Card: Receive a FLUJO SmartTrax Standing Desk (worth S$699) or a Dyson AM07 (worth S$459) or a Sony WF-1000XM5 (worth S$429) or S$300 eVoucher (Redeem from Merchants such as Shopee, Grab) upon activating and spending min. S$500 by end of the following calendar month from the card account opening date and providing marketing consent. Valid till 31 July 2024. T&Cs apply.
Get up to S$900 worth of vouchers and cashback with Live+:
HSBC TravelOne Credit Card: Receive a Dyson Supersonic™ hair dryer (worth S$699) or an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or an Apple Watch Series 9 (worth S$604.50) or S$400 eVoucher (Redeem from merchants like Klook) or 27K Max Miles upon activating and spending min. S$1,000 plus pay annual fee of S$196.20 by end of the following calendar month from the card account opening date and providing marketing consent. Available for both new and existing card holders. Valid till 31 July 2024. T&Cs apply.
⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up as low as S$100. Valid till 31 July 2024. T&Cs apply.
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1.5% cashback on all purchases (if you spend S$2,000 or less)
Up to 2.5% cashback (if you spend more than S$2,000)
1% bonus cashback if you're an HSBC Everyday Global Account holder and meet the monthly criteria
Enjoy ENTERTAINER with HSBC perks
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8% cashback on foreign currency, online, and mobile contactless spend
Extra 2% cashback on select eco-friendly merchants
You can read our review of the OCBC FRANK's revamp here
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The American Express True Cashback, Citi Cash Back+, and HSBC Advance cards have competitive offers but act fast because these all end later in the month. The cards' cashback rates are nothing to scoff at either and might prove to be more valuable than air miles in this environment.
Read more:
Credit Card Comparison: AMEX True Cashback vs Citi Cash Back+ vs SCB SimplyCash
Best Unlimited Cashback Cards in Singapore
Best HSBC Credit Card Promos: HSBC Revolution vs HSBC Advance vs HSBC Visa Platinum Comparison Review
Exclusive SingSaver promotions
On top of these welcome gifts, SingSaver also offers exclusive promotions from time to time. You can earn yourself items such as wireless earbuds, Grab vouchers or cash via PayNow. Check out the current promotions available for the different banks below.
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