3 Best E-Commerce Credit Cards For Your Online Shopping Sprees

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Try these three credit cards to enjoy exclusive e-commerce perks. 

Who doesn’t love online shopping? With the ability to browse thousands of items, pay for them digitally and have them delivered within days (or hours, if you have Amazon Prime), instant gratification has never been so… instant. 

To help make your online shopping even more rewarding, here are three credit cards with e-commerce perks any serious shopper shouldn’t miss out on.

Best e-commerce credit cards for online shoppers
Credit cardE-commerce perks
Citi Lazada Credit Card10X points on all Lazada spends
BOC Qoo10 World MastercardUp to 10% rebate on Qoo10 spends as Qmoney
OCBC Titanium Rewards Credit Card10X points on clothing, shoes, electronics and accessories, online and in-store 

Citi Lazada Credit Card

Singapore’s most popular e-commerce website (as of Q3 2019, according to this report) has partnered Citi to launch the co-branded Citi Lazada Credit Card.

Designed to bring more rewards to regular shoppers on Lazada, the Citi Lazada Credit Card awards 10 points on all Lazada transactions. So if you’re a Lazada fan, save this credit card in your Lazada account to start sweeping up points.

Additionally, this card gives you 5 points on lifestyle spends, including dining, entertainment and travel. However, bonus points are capped at 10,000 per statement month. 

SingSaver exclusive promotion: Get a set of Apple AirPods Pro (worth $379) or $250 cash via PayNow when you apply for a qualifying Citibank credit card as a new cardmember. You will have to make a qualifying spend transaction of any amount on your new card within 60 days of card approval to be eligible. Existing Citibank cardmembers will get $30 cash via PayNow instead. Promotion is valid till 30 November 2020. Pick your Citibank card here!

Eligibility and fees

Before you sign up for this credit card, take note of the eligibility criteria and fees below.

  • Age: 21 or older
  • Annual income: $30,000 for Singaporeans, $42,000 for foreigners
  • Annual fee: $192.60 (First year free)
  • Minimum effective interest rate: 26.9% per annum

BOC Qoo10 World Mastercard

Fans of Qoo10 will probably light up at the mention of Qmoney, which is a currency you can use on the popular e-commerce platform to offset your purchases. 

With the BOC Qoo10 World Mastercard, you can earn Qmoney equal to up to 10% rebate on your Qoo10 transactions. But there are a few qualifiers to note.

Firstly, if you spend at least $400 on the card in a month, you will earn 3% rebate on your Qoo10 transactions as Qmoney, capped at $30 Qmoney. 

If you spend $800 or more, your rebate increases to 10%. Additionally, you will also earn Qmoney equal to 15% of your public transport spends, and 3% on selected categories. 

You can also earn an additional $40 in Qmoney, for a total of $70 Qmoney. (However, $30 Qmoney is the maximum you can earn from Qoo10 transactions, the other $40 Qmoney must come from other transactions.)

A little troublesome having to remember the caps and cut-offs, but still, not a bad way to save some money on your Qoo10 shopping sprees. 

Eligibility and fees

Before you sign up for this credit card, take note of the eligibility criteria and fees below.

  • Age: 21 or older
  • Annual income: $30,000 for Singaporeans, $30,000 for foreigners
  • Annual fee: $192.60 (First year free)
  • Minimum effective interest rate: 28.88% per annum

OCBC Titanium Rewards Credit Card 

Do you buy a lot of clothes, shoes and accessories online? How about computers, tablets and other electronics? If your shopping carts are frequently filled with these popular shopping items, a credit card to consider is the OCBC Titanium Rewards Credit Card.

You can earn 10 points (50 points per $5 spent) on your shopping, as long as they involve shoes, bags or clothing (whether for men or women) or electronics such as computers and software, peripherals like mice and headphones, or kitchen appliances. 

Such a large range of eligible products also means you are free to use the card at Lazada, Amazon, Shopee, Qoo10, Taobao and more. 

As an added benefit, you will earn 10 points when you spend on the same type of items in your favourite department store, so you’re guaranteed to earn rewards as you spend. 

One drawback though: you’re limited to a maximum of 120,000 bonus points per 12-month period. But as this is a yearly limit, it’s a wee bit more flexible than cards with a monthly cap. 

(Note: The OCBC Titanium Rewards card replaces the OCBC Robinsons card, following Robinsons’ closure in Singapore.)

Eligibility and fees

Before you sign up for this credit card, take note of the eligibility criteria and fees below.

  • Age: 21 or older
  • Annual income: $30,000 for Singaporeans, $45,000 for foreigners
  • Annual fee: $192.60 (First 2 years free)
  • Minimum effective interest rate: 26.88% per annum
OCBC Titanium Rewards Card
OCBC Titanium Rewards Card Blue
OCBC Titanium Rewards Card
OCBC Titanium Rewards Card Pink
Apply Now – Blue
Apply Now – Pink

Read these next:
Ultimate Guide To Year-End Online Shopping Events 2020 (10.10, Amazon Prime Day, 11.11, Black Friday, Cyber Monday, 12.12 & Boxing Day)
Best Online Shopping Credit Cards in Singapore (2020)
OCBC Titanium Rewards Card: One Shopping Card You’ll Want In Your Wallet
Your Ultimate Guide To Shopping On Taobao In Singapore
Top Credit Card Promotions And Deals On SingSaver


By Alevin Chan
An ex-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 optimise happiness and enjoyment in his life.