Should You and Your S.O. Get A Couple’s Credit Card?

Denise Bay

Denise Bay

Last updated 30 January, 2024

Making a credit card for couples work may just be one of those new couple goals you’d like to achieve. Trust me, it’s more than just a romantic gesture.

A credit card for couples sounds bizarre, or is it? Depending on how savvy you are when it comes to making credit cards work hard for you, a credit card for couples can accelerate your rewards journey by leaps and bounds. 

But of course, there are tricks you can employ to make this happen. Read on to find out what a credit card for couples is precisely, the pros and cons of sharing a credit card account, our curated selection of cards suitable for couples, as well as tips on managing a shared credit card account.

What’s a credit card for couples? 

We don’t blame you for being baffled. A credit card for couples doesn’t exist per se, but you can turn a regular credit card into a couple’s credit card simply by sharing the credit card account. Another way is to get a supplementary credit card for your other half. Both ways can work. 

Advantages of using a credit card for couples

Snag sign-up bonus 

New-to-bank customers are in for a treat as most banks dole out big money to get people to sign up for their credit cards. Before you can call the free Apple AirPods Pro, Dyson AM07 or cold hard cash yours, you’re often expected to make a minimum spend of a certain amount within a specific period of time starting from the date your card’s approved. 

Some rewards credit cards and air miles credit cards also offer bonus rewards when you hit the stipulated spend amount, sometimes thousands of dollars, as per their T&Cs. 

Earn rewards faster

The main aim of selecting a credit card that suits your spending habits and lifestyle needs is to maximise your rewards. As you use your credit card, rewards accrue. 

When you share your credit card with your partner, more qualifying transactions will naturally be made, leading to quicker earning and accumulation of rewards. This is especially helpful if your credit card of choice has a fairly high monthly minimum spend requirement of say, S$800 or S$2,000 in order to earn the advertised high cashback rates.  

You don’t necessarily have to share your credit card in order to achieve this feat. Supplementary credit cards can work as well since the rewards earned on supplementary cards are funnelled to the primary cardmember. 

Reduce annual fees

Given that the average annual fee for mainstream credit cards in Singapore is S$196.20, applying—and paying—for one primary credit card of the same type could prove to be a financially savvy move that doesn’t compromise on the card benefits that you and your other half get to enjoy. 

For those who would like to skip annual fee payment altogether, be sure to check out our guide to asking for credit card annual fee waivers. Psst, you may not even have to speak to a human customer service representative! 

Sharing of card benefits and perks 

While a supplementary credit card typically shares the same reward structure as the primary credit card, credit card issuers usually extend some or all of the same privileges and perks that primary cardmembers can enjoy to supplementary cardmembers — most commonly their spouse or children. 

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Disadvantages of using a credit card for couples

No increase in rewards due to caps

Depending on the credit card you hold, there could be rewards caps in place, making it impossible for you and your other half to chalk up more rewards despite a higher amount of eligible spending. 

This rings true for cashback credit cards that offer high cashback on specific categories and rewards credit cards that give you 10X rewards on the first S$1,000 spent on eligible transactions each month. 

The only exception to this is if you hold an air miles credit card or cashback credit card that lets you earn unlimited miles or cashback. 

Can be inconvenient to track and split expenses 

While earning and accumulating credit card rewards at an accelerated rate sounds really nice in theory, it can be tedious and inconvenient to track and split expenses all the time. 

Supplementary credit cards may come with annual fees 

In case you didn’t already know, not all supplementary credit cards are free for use. It depends on the banks and the exact primary card you’re holding. Some banks offer free supplementary credit cards while some are chargeable. 

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Best credit cards for couples

#1: UOB One Card

Want a versatile cashback credit card that lets you earn a base 3.33% cashback on eligible spending and another 6.67% cashback on SimplyGo, Shopee, Grab services, Dairy Farm Group merchants (e.g. Cold Storage, Giant, Guardian, 7-Eleven), and UOB Travel Planner transactions? Look no further than UOB One Card. 

This credit card is a great choice if you intend to share the card or get a supplementary card for your significant other. UOB One’s cashback is tiered: you’ll earn 3.33% base cashback if you spend at least S$500, S$1,000, or S$2,000 per statement month for each qualifying quarter (i.e. S$50, S$100, S$200 cashback per quarter).

There's also an additional cashback of 5% if you spend S$500 or S$1,000 per month in a quarter, and 6.67% cashback if you spend S$2,000 per statement month for each qualifying quarter. 

Lastly, new UOB cardmembers are also eligible for an enhanced cashback of 6.67% if you spend S$500/S$1,000 per month in a qualifying quarter, and 5% if you spend S$2,000 per month for each qualifying quarter. This means you can get up to 15% total cashback in a quarter (capped at S$300).  

UOB Credit Card Welcome Offer: Receive up to S$350 Cash Credit or up to 50,000 miles when you apply for select UOB credit cards and fulfil the minimum spend requirements. Valid till 31 July 2024. T&Cs apply.

UOB One Card

Maybank Family & Friends Card

Maybank Family & Friends Card is another strong contender if you’re looking to share your credit card account with your partner. 

To earn 8% cashback on your five chosen bonus categories, a minimum monthly spend of S$800 is required. All other spend will earn unlimited 0.3% cashback. 

Here are the eight spend categories you can select from: 

  • Groceries
  • Dining & Food Delivery
  • Transport
  • Data Communication & Online TV streaming 
  • Retail & Pets
  • Online Fashion
  • Entertainment
  • Pharmacy & Wellness 
  • Malaysian Ringgit spend (automatically included on top of your five preferred categories)

The maximum cashback you can earn per calendar month is capped at S$125. Each of the five bonus spend categories can earn a maximum of S$25 per month.  

KrisFlyer UOB Credit Card

If you and your partner are gunning for Singapore Airlines award tickets, consider the KrisFlyer UOB Credit Card that lets you earn unlimited 3 KrisFlyer miles per S$1 spent on dining, food delivery, online shopping, travel, transport and SIA-related purchases, unlimited 1.2 KrisFlyer miles per S$1 on all other spends. 

To ensure you earn 3mpd on eligible dining, food delivery, online shopping and travel, and transport spend, simply make a minimum S$500 annual spend on KrisShop and Singapore Airlines Group. If your card membership year is ending April 2021 and August 2022 (both months inclusive), you will earn the accelerated miles on such transactions when you make a minimum S$300 annual spend on KrisShop and Singapore Airlines Group.

The only thing you need to be aware of for this credit card is its strange bonus miles crediting policy: all bonus miles earned will only be awarded within two months after your card membership year. 

The odd bonus miles crediting policy may or may not be a deal breaker for you, depending on how you look at it. My partner and I use this credit card pretty often as it helps us accrue KrisFlyer miles at a comparatively more generous rate. As it stands, most air miles credit cards don’t even offer close to 3mpd; many offer the standard 1.2mpd or 1.3mpd on local spend and 2mpd on foreign currency spend.   

UOB Credit Card Welcome Offer: Receive up to S$350 Cash Credit or up to 50,000 miles when you apply for select UOB credit cards and fulfil the minimum spend requirements. Valid till 31 July 2024. T&Cs apply.

KrisFlyer UOB Credit Card

#4: HSBC Revolution Credit Card 

Do you and your partner mostly spend on online and/or contactless purchases? If so, definitely consider the HSBC Revolution Credit Card. 

This rewards credit card is straightforward and rewarding altogether — it lets you earn 10X rewards points (4 air miles or 2.5% cashback per S$1) on online purchases and contactless payments. All other spending will be eligible for 1X reward point for every S$1 spent. 

The best part? No minimum spend is necessary to start chalking up 10X rewards points on the first S$1,000 spent on such transactions per calendar month! Plus, there’s no annual fee you need to deal with for as long as you have this card in your arsenal. 

The free ENTERTAINER with HSBC access is the cherry on top that deserves some spotlight for it lets you enjoy a plethora of 1-for-1 dining, lifestyle and hotel deals at no extra cost.

⭐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 21 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 21 July 2024. T&Cs apply.


Get up to S$900 worth of vouchers and cashback with Live+:

  • S$300 eVoucher when you sign up with SingSaver
  • S$100 cashback from HSBC when you charge 1 qualifying transaction (T&Cs)
  • up to S$500 cashback from Live+ Card over 6 months (based on 8% cashback capped at S$250 per quarter)

HSBC_TravelOne_KV1_BLOGARTICLE_800x250 (1)

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 21 July 2024.  T&Cs apply.

Rewards Upgrade Campaign_BLOGARTICLE_800x250

⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up as low as S$100. Valid till 31 July 2024. T&Cs apply.

  • S$100 for an Apple iPad 10th Gen 10.9 wifi 64GB worth (S$529.00)
  • S$250 for an Apple Watch Series 9 (GPS), 41mm worth (S$604.50)
  • S$200 for a Sony HT-AX7 Portable Theatre System worth (S$769.00)
  • S$588 for a Sony ZV-1M2 Vlog Camera worth (S$1,209.00)
  • S$980 for a Macbook Air 13" 256GB M3 worth (S$1,599.00)
  • S$1,099 for an Apple iPhone 15 Pro 128GB worth (S$1,664.25)
HSBC Revolution

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Learnings from my experience sharing credit cards with my other half

My fiance and I have been chasing miles on my credit cards for years. To make this work, we rely a lot on the mobile app Splitwise to record whatever he’s spent as well as the expenses we share. 

There’s no need to set due dates for him as he would automatically transfer the funds to my bank account whenever his ‘debt’ is close to S$1,000. He feels uncomfortable seeing the amount rise *nervous chuckle*. 

Back to the experience — it’s great because we’re very transparent with each other. Having been with each other for over 12 years, the trust is there and we’re aware of each other’s spending habits. 

The takeaway? Sharing credit cards may or may not work for you because so many factors are in place. But of course, you’ll need lots of trust and discipline to make this work. 

Tips on how to manage a credit card for couples

Try to keep things simple by limiting yourself to just a handful of shared credit cards. For instance, one credit card (or supplementary card) could be a do-it-all type of card that you reach for when you’re unsure which one to use. The other shared credit card could be one that rewards you for all online purchases made, such as online shopping, food delivery, the booking of rides and more.  

If it helps, consider pasting sticky notes on each shared credit card (or supplementary card) to note down what types of expenses that particular card is good for.  

Read these next:
5 Credit Cards That Will Help You Save The Most Money in 2022
How To Ask For Credit Card Annual Fee Waivers
Top Credit Card Promotions And Deals On SingSaver
4 Types Of Credit Cards With Lifetime Annual Fee Waivers
Money Confessions: Are Joint Savings Accounts Relationship Wreckers Or Booster

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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