Credit Cards For Foreigners Working And Staying In Singapore Worth Applying For

Denise Bay

Denise Bay

Last updated 01 January, 2024

Picking the right foreigner credit card for your needs and spending habits isn’t rocket science. Here, we’ve sussed out credit cards deserving of your attention.

Whether you’re looking to settle in Singapore for good or for just a couple of years, using the right credit card can help each hard-earned dollar of yours go further. As it stands, all credit cards aren’t created equal. Some are more rewarding than others, while some require no effort at all when it comes to usage. 

Depending on what you’re looking for, there are different foreigner credit cards for different types of expats. Their income eligibility requirements vary, too. This is why it’s important that you choose the right credit card for your own spending habits and needs.

Here’s the lowdown on the best foreigner credit cards worth their salt.

Table of contents


Looking for the best credit cards to complement your spending patterns and expenditure in 2024? Check out our Ultimate Credit Card Guide that covers all things credit cards in Singapore – from choosing between a cashback, miles, or rewards credit card to planning your credit card strategy.


Best Foreigner Credit Cards To Add To Your Wallet  

1. UOB Absolute Cashback Credit Card: Best for unlimited cashback with no spend exclusions

The UOB Absolute Cashback Card is one of the best unlimited cashback cards on the market right now – offering fuss-free 1.7% cashback on literally everything and anything you spend so long as the merchant accepts American Express credit card payments. There’s no minimum spend and no category restrictions to deal with. 

[Update!] However, from 6 May onwards, the cashback earned on charity, education, government, healthcare, utilities, and other professional services will be clawed back from the bonus 1.7% to the mere 0.3% cashback.

How else does the UOB Absolute Cashback Card stand out? Well, cardholders can even earn 1.7% cashback on transactions frequently excluded from earning cashback, such as insurance premium payments, mobile or e-wallet top-ups, and rental payments.

With a cashback rate of 1.7%, this unlimited cashback credit card is also a tad more generous than its competitors’ 1.5% and 1.6%. 

Eligibility for foreigners: Minimum annual income of S$40,000 or Fixed Deposit Collateral of at least S$10,000

UOB Absolute Cashback Card Welcome Offer: Get S$350 Cash Credit as one of the first 200 new-to-UOB credit cardmember and make a min. spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 30 June 2024. T&Cs apply.

Also, get up to 10% cashback (equivalent to S$100) on the first S$1,000 spend within 30 days from card approval date. Valid till 30 June 2024. T&Cs apply.

Alternatives: American Express True Cashback Card, Citi Cash Back+ Card

2023_AMEX_TRUE_CASHBACK

AMEX True Cashback Card product summary:

Cashback rate
1.5% unlimited cashback
Minimum spend requirement
N/A
Cashback cap
N/A
Annual fee
S$174.40 (First year waived)
Eligibility for foreigners
Subject to AMEX's approval
Earn 3% unlimited cashback on up to S$5,000 eligible spend within first 6 months of card approval
⭐ Receive cashback within same statement month

CITI_CASHBACK+_MASTER-1

Citi Cash Back+ Card product summary:

Cashback rate
1.6% unlimited cashback
Minimum spend requirement
N/A
Cashback cap
N/A
Annual fee
S$196.20 (First year waived)
Eligibility for foreigners
Min. S$42,000 annual income
Up to S$1 million complimentary travel insurance coverage when you charge full travel fare to card
Bonus 0.4% cashback on eligible spend for Citi Plus customers who are Primary Account Holders of a Citi Interest Booster Account


See also:
Best Unlimited Cashback Credit Cards in Singapore


2. HSBC Revolution Credit Card: Best for online purchases and contactless payments

If you want a rewarding, easy-to-use credit card that lets you earn 10X rewards points (or 4 mpd) on all your online purchases and contactless payment transactions, look no further than the HSBC Revolution Credit Card. All other types of spending will earn 1X rewards points. 

With no annual fee, no minimum spend and no cap on the number of rewards points you can earn, this rewards credit card is fantastic for expats who enjoy shopping online, ordering food deliveries, and booking travel and activities for the family over the internet.

Additionally, expats who like to dine out or shop in-store can take advantage of contactless payments to enjoy the generous 10X rewards points, too. That’s not all, all cardholders are entitled to free ENTERTAINER with HSBC membership. Simply download and log in to the lifestyle app to lay your hands on over 1,000 curated selections of 1-for-1 dining, lifestyle and hotel deals.

[Update!] Starting from 1 January 2024, HSBC Revolution will be removing MCC 4722 (Travel Agencies & Tour Operators) and MCC 7011 (Lodging - Hotels, Motels, and Resorts) from its whitelist of eligible merchants.

[Update!] Unfortunately, the nerfs don't just stop there. Starting 1 May 2024, three more MCCs will be removed from the list: MCC 5411 (Supermarkets), MCC 5499 (Miscellaneous Food Stores), and MCC 5814 (Fast Food).

Eligibility for foreigners: Minimum annual income of S$40,000 or have a Fixed Deposit Collateral of at least S$10,000

⭐ Read our full HSBC Revolution Credit Card review here.

Alternative: Citi Rewards Card 

Citi Rewards Card

The Citi Rewards Card promises 4 miles per S$1 spend (mpd) on all eligible online transactions across retail, ride-hailing apps, food delivery, and even groceries.

 

All other online spend that doesn't fall under these categories will earn the base 0.4 mpd.

 

Citi Rewards Card open_in_new

Airmiles Local: 4 miles per dollar

 


3. DBS Altitude Visa Signature Card: Best for expiry-free DBS Points and bonus miles

The DBS Altitude Visa Signature Card is a wise pick for the miles chaser who prefers to take things leisurely with an all-in-one credit card. There’s no minimum spend to start racking up expiry-free DBS Points that you can redeem for air miles, cash rebates or vouchers. 

There are plenty of ways you can earn and accumulate flexible DBS Points:  

  • 3.25 DBS Points for every S$5 spent or 1.3 mpd spent locally, including bus and train rides
  • 5.5 DBS Points for every S$5 spent or 2.2 mpd spent in foreign currency
  • 7.5 DBS Points for every S$5 spent or up to 3 mpd spent on Agoda bookings

Of course, there’s no limit to how many DBS Points you can earn on your local and overseas transactions, making this card a fabulous choice if you have big-ticket items to pay for. 

Additionally, you have the option of earning 5,000 bonus DBS Points (equivalent to 10,000 miles) when you pay the S$196.20 annual fee. If you choose to waive the fee, the DBS Points credited will be reversed within 3 working days thereafter.

This card offers two free Priority Pass lounge visits within each 12-month period of your membership and up to S$1 million travel accident insurance coverage when you charge your full travel fare to this card. 

⭐ Read our full DBS Altitude Visa Signature Credit Card review here.

Eligibility for foreigners: Minimum annual income of S$45,000 

DBS/POSB Credit Card Welcome Gift: Receive up to S$388 cashback or 85,000 miles when you apply for select DBS credit cards and fulfil the relevant promotion criteria. T&Cs apply.

Alternatives: Citi PremierMiles Card, HSBC TravelOne Card, Standard Chartered Journey Card, OCBC 90°N Card, UOB PRVI Miles Card

CITI_PREMIERMILES_MASTER (1)

Citi PremierMiles Card product summary:

Local spend
1.2 mpd
Overseas spend
2 mpd
Dedicated travel spend
Up to 7 mpd with Agoda bookings

Up to 10 mpd with Kaligo bookings
Airport lounge access
2 visits per year
Travel insurance
Up to S$1 million coverage
Annual fee
S$196.20 (First year waived)
Eligibility for foreigners
Min. S$42,000 annual income
Citi Miles never expire
⭐ Card renewal bonus of 10,000 Citi Miles when you pay annual fee

HSBC TravelOne

HSBC TravelOne Card product summary:

Local spend
1.2 mpd
Overseas spend
2.4 mpd
Airport lounge access
4 visits per year
Travel insurance
Up to US$100,000 coverage
Annual fee
S$196.20
(Waived second year onwards with min. S$25,000 annual spend)
Eligibility for foreigners
Min. S$40,000 annual income
No conversion fee for air miles or hotel points until 31 Dec 2023
5 free supplementary cards

SC_Card_OM_Journey_20220816-AssetA-RGB-2500px_HENRY YEO

Standard Chartered Journey Card product summary:

Local spend
1.2 mpd
Overseas spend
2 mpd
Bonus miles
3 mpd on selected online transactions across groceries, food delivery, and transportation
(Capped at S$1,000 spend per statem
ent month)
Airport lounge access
2 visits per year
Travel insurance
Up to S$1 million coverage
Annual fee
S$196.20 (First year waived)
Eligibility for foreigners
Min. S$60,000 annual income
360° Rewards Points never expire

OCBC 90°N Card product summary:

Local spend
1.3 mpd
Overseas spend
2.1 mpd
Dedicated travel spend
Up to 6 mpd on Agoda accommodations booked in local currency

Up to 7 mpd on Agoda accommodations booked in foreign currency
Airport lounge access
2 visits per year
Travel insurance
Up to S$1 million coverage
Annual fee
S$196.20 (First year waived)
Eligibility for foreigners
Min. S$45,000 annual income
90°N Miles never expire

UOB PRVI Miles Card product summary:

Local spend
1.4 mpd
Overseas spend
2.4 mpd
Dedicated travel spend
6 mpd on major airlines and hotels booked on Agoda, Expedia, and UOB Travel
Travel insurance
Up to S$$500,000 coverage
Annual fee
S$261.60 (First year waived)
Eligibility for foreigners
Min. S$40,000 annual income
or
Min. S$10,000 fixed deposit collateral
2 complimentary airport transfers per quarter with min. S$1,000 overseas spend

4. American Express Platinum Credit Card: Best for luxurious lifestyle and dining perks

The American Express Platinum Credit Card is the card for the expat who enjoys the finer things in life. While its S$327 annual fee is on the higher side, this American Express card’s slew of luxurious perks will pay for itself in no time. 

Besides sipping on free drinks at fancy bars, foodies will adore the ability to scoop up dining discounts of up to 50% at select restaurants peppered across the island and within some of the best luxury hotels in Singapore.

There are wellness and golf privileges available, too. You’ll also enjoy 90-days return guarantee and 90-days purchase protection, along with travel accident insurance coverage, fraud protection and American Express Global AssistTM.

What about rewards on purchases? You’ll earn 2 Membership Rewards Points per S$1.60 spent, wherever that may be. That goes up to 10 Membership Rewards Points per S$1.60 spent at Platinum 10Xcelerator Partners like Laneige and The Hour Glass. Your Membership Rewards Points also have no expiry whatsoever. 

Eligibility for foreigners: Minimum annual income subject to regulatory income requirement and internal assessment

Amex Platinum Credit Card Welcome Gift: Enjoy the following rewards when you sign up for an American Express Platinum Card:
 
For New-to-American Express Card Members: Receive S$300 Statement Credits when you pay the annual fee and make a minimum spend of S$1,000 within the first month of card approval. Valid till 30 June 2024.  T&Cs apply.
 
For Existing American Express Card Members: Receive S$200 Statement Credits when you pay the annual fee and make a minimum spend of S$1,000 within the first month of card approval. Valid till 30 June 2024. T&Cs apply.


See also:
AMEX Platinum Charge Card Review


5. Citi Cash Back: Best for dining, groceries and petrol

Do most of your monthly expenses revolve around dining, groceries and petrol? If so, the Citi Cash Back Card could be perfect for your lifestyle. 

One of Citibank’s most popular credit cards, Citi Cash Back lets you earn 6% cashback on grocery shopping online and in-store; 6% on dining at restaurants, cafes and more; and 8% cashback on petrol (up to 20.88% savings at Esso and Shell). [Update] It also offers up to 8% bonus rate for private commute.

All these apply whether you’re in Singapore or back in your home country. You’ll earn unlimited 0.20% cashback on all other spend. You’ll also enjoy up to S$1 million coverage when you charge your travel tickets to the card.

The only catch is that you’ll have to meet the minimum spend requirement of S$800 per statement month in order to earn the high cashback, capped at S$80 across categories per statement month. The fact that the cashback cap isn’t split across categories is great, because it won’t matter if you tend to spend more on a specific category, say, dining. 

⭐ Read our full Citi Cash Back Credit Card review here.

Eligibility for foreigners: Minimum annual income of S$42,000

SingSaver Exclusive Offer: Receive the following rewards and experience Fastest Rewards Fulfilment when you sign up for a Citi Cashback Card.

Receive a Sony Portable Theatre System HT-AX7 (worth S$759) or a Dyson Supersonic (worth S$699) or an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or S$450 eCapitaVoucher or S$300 cash via PayNow upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 30 June 2024. T&Cs apply.

Rewards Upgrade Campaign_BLOGARTICLE_800x250

⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up S$1,200 for an Apple MacBook Air 13” (M3 chip) 256GB (worth S$1,599) or an Apple iPhone 15 Pro 128GB (worth S$1,664.25). Alternatively, top up S$1,786.00 for a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB 5G (worth S$2,128). Valid till 30 June 2024. T&Cs apply.

Alternatives: UOB EVOL Card, OCBC 365 Card, Maybank Family and Friends Card

uob-evol-1024x644

UOB EVOL Card product summary:

Bonus cashback
8% cashback on online & mobile contactless spend
Base cashback
0.3% cashback on all other spend
Minimum spend requirement
S$600 per statement month
Cashback cap
S$60 per statement month:
  • S$20 on online spend
  • S$20 on mobile contactless spend
  • S$20 on all other spend
Annual fee
S$196.20 (waived with min. 3 monthly purchases in statement year)
Eligibility for foreigners
Min. S$40,000 annual income
or
Min. S$10,000 fixed deposit collateral

OCBC365

OCBC 365 Card product summary:

Bonus cashback
Up to 6% cashback
Base cashback
0.3% cashback on all other spend
Minimum spend requirement
S$800 / S$1,600 spend per calendar month
Cashback cap
SS$80 / S$160 per calendar month
Annual fee
S$196.20 (Waived for first 2 years)
Eligibility for foreigners
Min. S$45,000 annual income
⭐ Variable bonus cashback earned across many categories

Maybank-FamilyFriends_card-1024x697

Maybank Family & Friends Card product summary:

Bonus cashback
8% cashback on five preferred categories:
  • Groceries
  • Dining & food delivery
  • Transport
  • Data communication & online TV streaming
  • Retail & pets
  • Online fashion
  • Entertainment
  • Pharmacy
  • Sports & sports apparel
  • Beauty & wellness

8% cashback on Malaysian Ringgit too

Base cashback
0.3% cashback on all other spend
Minimum spend requirement
S$800 spend per calendar month
Cashback cap
SS$125 per calendar month, S$25 per category
Annual fee
S$181.80 (Waived for first 3 years)
Eligibility for foreigners
Min. S$45,000 annual income (Malaysians)

Min. S$60,000 annual income (Other nationalities)

 


6. UOB PRVI Miles American Express Card: Best for rapid miles accumulation

Are you a big spender who’s keen on accumulating miles rapidly? Consider the UOB PRVI Miles American Express Card. You can snag the generous up to 50,000 loyalty miles when you pay the first year's annual fee and fulfil its minimum spend requirements — a feature that’s exclusive to this card. 

What about your ability to chalk up miles on everyday expenses? Fret not, this card's got you settled too. Enjoy 1.4 mpd on local spend (UNI$3.5 per S$5 spend) and 2.4 mpd overseas spend (UNI$6 per S$5 spend), including online shopping on overseas websites. There’s no minimum spend and cap on miles earned at all times either. 

When the time comes for you to go on that well-deserved vacation or visit family and friends back home, you can expect to earn 6 mpd (UNI$15 per S$5 spend) on major airlines and hotels worldwide when you charge your Agoda, Expedia or UOB Travel purchases to the UOB PRVI Miles American Express Card. While you’re at it, remember to utilise complimentary airport transfers to Changi Airport, capped at eight trips per year! 

⭐ Read our full UOB PRVI Miles Credit Card review here.

Eligibility for foreigners: Minimum annual income of S$40,000 of Fixed Deposit Collateral of at least S$10,000

UOB PRVI Miles Amex Card Welcome Offer: Get up to 50,000 miles when you make a min. spend of S$1,000 per month for 2 consecutive months from card approval date plus annual fee payment and SMS enrolment. Valid till 30 June 2024 . T&Cs apply.

Alternatively, receive 25,200 miles when you are one of the first 50 to apply with first year annual fee waiver and make a min. spend of S$1,000 for 2 consecutive months from card approval date. Plus, get another 4,800 miles (a total of 30,000 miles) when you make a min. overseas spend of S$1,000 per month for 2 consecutive months.Valid till 30 June 2024 . T&Cs apply.

Alternatives: Refer to above


Which credit cards should you pick?

Credit Card 
Best For
Annual income Requirement
UOB Absolute Cashback Card
uob-absolute-cardface
Unlimited cashback with no spend exclusions, no minimum spend
S$40,000
HSBC Revolution Credit Card 
HSBC-Revolution-New
Online purchases and contactless payment transactions
S$40,000
DBS Altitude Visa Signature Card
DBS-Altitude-Visa_LF-2019-2026-1024x686-1
 
Expiry-free DBS Points with no minimum spend and bonus miles
S$45,000
American Express Platinum Credit Card
platinum-credit-card.png-3-1024x649
 
Luxurious lifestyle and dining perks 
Subject to internal assessment and approval
Citi Cash Back Card
Citi_Cashback_Platinum_Mastercard
Dining, groceries, petrol, and private commute
S$42,000
UOB PRVI Miles Amex Card
Rapid miles accumulation
S$40,000

The right foreigner credit card for you may very well be different from the one most suited to another expat.

For instance, an expat who enjoys living it up can benefit from the luxe lifestyle and dining perks offered by the American Express Platinum Credit Card. On the other hand, a more frugal expat who tends to only spend on essentials may prefer the Citi Cash Back Card

For those who want to earn fuss-free cashback on everything they spend on, including insurance payments and bills, you can’t go wrong with the UOB Absolute Cashback Card

Consider your own lifestyle and spending habits, annual income as well as preference for earning rewards points, miles, or cashback. It really pays to do your homework if you want to maximise each dollar of yours with a credit card.  


Why apply for a credit card with SingSaver?

Here at SingSaver, you can find exclusive credit card promotions for virtually every credit card you sign up for – provided you're new-to-bank or new-to-card and satisfy all the sign-up requirements. 

To benefit from any of our attractive credit card offers, simply click on the 'Apply Now' button of your preferred credit card in this article and complete the application form on our SingSaver site accordingly. 

Do note, that as a foreigner, you'll need to prepare extra documents to fill up the application manually since you don't have a SingPass account.

Here are the exclusive SingSaver credit card promotions we currently offer:

UOB Absolute Cashback Card Welcome Offer: Get S$350 Cash Credit as one of the first 200 new-to-UOB credit cardmember and make a min. spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 30 June 2024. T&Cs apply.

Also, get up to 10% cashback (equivalent to S$100) on the first S$1,000 spend within 30 days from card approval date. Valid till 30 June 2024. T&Cs apply.


HSBC-Revolution-New

Enjoy the following rewards when you sign up for an HSBC Live+ Credit Card.

SingSaver Exclusive Offer: 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 30 June 2024. T&Cs apply.

Plus, get an additional S$100 cashback on top of existing rewards when you charge at least 1 qualifying transaction by the end of the month after date of card approval. Valid till 30 June 2024. T&Cs apply.

⬆️Rewards Upgrade Campaign⬆️: Upgrade your rewards when you top up S$200 to get a Sony Portable Theatre System HT-AX7 (worth $$769). Alternatively, top up S$588 for a Sony ZV-1M2 Vlog Camera (worth $1,209) or top up S$1,099 for an Apple iPhone 15 Pro 128GB (worth S$1,664.25). Valid till 30 June 2024. T&Cs apply.


DBS/POSB Credit Card Welcome Gift: Receive up to S$388 cashback or 85,000 miles when you apply for select DBS credit cards and fulfil the relevant promotion criteria. T&Cs apply.


Amex Platinum Credit Card Welcome Gift: Enjoy the following rewards when you sign up for an American Express Platinum Card:
 
For New-to-American Express Card Members: Receive S$300 Statement Credits when you pay the annual fee and make a minimum spend of S$1,000 within the first month of card approval. Valid till 30 June 2024.  T&Cs apply.
 
For Existing American Express Card Members: Receive S$200 Statement Credits when you pay the annual fee and make a minimum spend of S$1,000 within the first month of card approval. Valid till 30 June 2024. T&Cs apply.

SingSaver Exclusive Offer: Receive the following rewards and experience Fastest Rewards Fulfilment when you sign up for a Citi Cashback Card.

Receive a Sony Portable Theatre System HT-AX7 (worth S$759) or a Dyson Supersonic (worth S$699) or an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or S$450 eCapitaVoucher or S$300 cash via PayNow upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 30 June 2024. T&Cs apply.

Rewards Upgrade Campaign_BLOGARTICLE_800x250

⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up S$1,200 for an Apple MacBook Air 13” (M3 chip) 256GB (worth S$1,599) or an Apple iPhone 15 Pro 128GB (worth S$1,664.25). Alternatively, top up S$1,786.00 for a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB 5G (worth S$2,128). Valid till 30 June 2024. T&Cs apply.


UOB PRVI Miles Amex Card Welcome Offer: Get up to 50,000 miles when you make a min. spend of S$1,000 per month for 2 consecutive months from card approval date plus annual fee payment and SMS enrolment. Valid till 30 June 2024 . T&Cs apply.

Alternatively, receive 25,200 miles when you are one of the first 50 to apply with first year annual fee waiver and make a min. spend of S$1,000 for 2 consecutive months from card approval date. Plus, get another 4,800 miles (a total of 30,000 miles) when you make a min. overseas spend of S$1,000 per month for 2 consecutive months.Valid till 30 June 2024 . T&Cs apply.


Tip: If you are a Permanent Resident in Singapore and are worried about incurring medical expenses, consider signing up for an Integrated Shield Plan (IP). Unlike a MediShield Life plan, an IP provides additional benefits such as coverage for B1/A hospital wards and pre and post-hospitalisation expenses. Click on the button below to compare the best Integrated Shield Plans in Singapore.

 


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.

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