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Find The Best Credit Cards in Singapore 2023

Discover the best credit cards in Singapore on SingSaver! Whether you’re after air miles, cashback or reward points, we’ve got you covered. Explore a range of cards from top banks and financial institutions in Singapore, and find the perfect card for your lifestyle and spending habits.

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FEATURED

Standard Chartered Simply Cash Credit Card

Cashback Overseas

1.50 %

Cashback Local

1.50 %

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 194.40

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First Two Years Waived

5 Offers Available

Dyson Airwrap™ multi-styler (Complete) (worth S$859)

SingSaver Exclusive Flash Deal

Dyson Airwrap™ multi-styler (Complete) (worth S$859)

Valid until 01 October 2023

SingSaver Exclusive Offer

S$400 SUPER Upsized Cash via PayNow

Valid until 01 October 2023

Dyson Supersonic™ hair dryer (worth S$699)

SingSaver Exclusive Offer

Dyson Supersonic™ hair dryer (worth S$699)

Valid until 01 October 2023

SingSaver Exclusive Offer

Nintendo Switch OLED (worth S$549)

Valid until 01 October 2023

Apple Bundle: AirPods Pro Gen 2 + MagSafe Charger (worth S$421.35)

SingSaver Exclusive Offer

Apple Bundle: AirPods Pro Gen 2 + MagSafe Charger (worth S$421.35)

Valid until 01 October 2023

Things to consider for this product:

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No rebate cap

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No monthly spend required

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Annual Fee waiver

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Installment

Dyson Airwrap™ multi-styler (Complete) (worth S$859)

S$400 SUPER Upsized Cash via PayNow

Dyson Supersonic™ hair dryer (worth S$699)

Nintendo Switch OLED (worth S$549)

Apple Bundle: AirPods Pro Gen 2 + MagSafe Charger (worth S$421.35)

FEATURED

OCBC 365 Credit Card

Cashback Petrol

6 %

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With minimum spending of $800 per calendar month. 3% cashback on EV charging spend at Charging stations (e.g. SP Digital, Greenlots, Virta Charging Stations and City Energy).

Cashback Dining

5 %

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Online food delivery, local and overseas dining with min. S$800 spend per calendar month.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 194.40

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First Two Years Waived

5 Offers Available

SingSaver Exclusive Flash Deal

Dyson Airwrap™ multi-styler (Complete) (worth S$859)

Valid until 01 October 2023

SingSaver Exclusive Offer

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$503.65)

Valid until 01 October 2023

SingSaver Exclusive Offer

Apple Bundle: AirPods Pro Gen 2 + MagSafe Charger (worth S$421.35)

Valid until 01 October 2023

SingSaver Exclusive Offer

S$350 eCapitaVoucher

Valid until 01 October 2023

SingSaver Exclusive Offer

S$250 cash via PayNow

Valid until 01 October 2023

Things to consider for this product:

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Petrol rebate

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Dining rebate

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Gift: Apple product

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Monthly spend required

6% cashback on fuel spend at all other petrol stations.
5% cash rebate on dining spends all day, everyday (includes local/overseas dining and online food delivery).
3% cashback on drugstore purchases, streaming service subscriptions and EV charging expenses.
3% cashback on groceries at supermarkets (both local and overseas) and online groceries.
3% cashback on private hire (Grab/Gojek) and taxi rides (both local and overseas).
3% cashback on recurring telco and electricity bills.
Complimentary travel insurance of up to S$500,000.
S$160 monthly cashback cap (up from S$80).
Up to 22.92% fuel savings at Caltex (incl. 18% instant discount for all fuel) and 6% cashback on fuel spend at all other petrol stations.
Read our full review of the OCBC 365 Credit Card.
Min. monthly spend of S$800 required to get higher cashback rates (base cashback is 0.25%).
Min. annual spend of S$10,000 from date of issue to qualify for automatic annual fee waiver.
S$80 monthly cashback cap with minium spend of $800.
S$160 monthly cashback cap with mininum spend of $1,600.

Dyson Airwrap™ multi-styler (Complete) (worth S$859)

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$503.65)

Apple Bundle: AirPods Pro Gen 2 + MagSafe Charger (worth S$421.35)

S$350 eCapitaVoucher

S$250 cash via PayNow

FEATURED

Citi PremierMiles Card

Airmiles Overseas

2 miles per dollar

Airmiles Local

1.20 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 194.40

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First Year Waived

4 Offers Available

SingSaver Exclusive Offer

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$503.65)

Valid until 01 October 2023

SingSaver Exclusive Offer

Dyson Supersonic™ hair dryer (worth S$699)

Valid until 01 October 2023

SingSaver Exclusive Offer

Dyson V8 Slim Fluffy (worth S$509)

Valid until 01 October 2023

SingSaver Exclusive Offer

S$300 cash via PayNow

Valid until 01 October 2023

Things to consider for this product:

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No expiry air miles

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Airport lounge

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Travel rebate

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Gift: Apple product

1.2 miles per S$1 spent locally.
2 miles per S$1 spent in foreign currency.
Citi Miles never expire. Can be exchanged for a variety of frequent flyer miles, hotel stays, rewards and cash rebates.
Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll.
2 free airport lounge visits per year to over 1300 Priority Pass lounges worldwide.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card.
Read our full review of the Citi PremierMiles Card.
Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles.
Service fee applies to Citi PayAll facility.

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$503.65)

Dyson Supersonic™ hair dryer (worth S$699)

Dyson V8 Slim Fluffy (worth S$509)

S$300 cash via PayNow

CIMB Visa Signature Card

Cashback Travel

10 %

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Cashback is on online shopping, groceries, beauty/wellness, petshops/vet services & cruises.

Cashback Overseas

0.20 %

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Unlimited 0.2% cashback on all other spends.

Minimum Annual Income

S$ 30,000

Annual Fee

No Annual Fee

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For all Principal and Supplementary cards.

3 Offers Available

SingSaver Exclusive Offer

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$503.65)

Valid until 01 October 2023

SingSaver Exclusive Offer

S$320 upsized cash via PayNow

Valid until 01 October 2023

Enjoy 10% cashback with S$600 min. spend

Welcome Offer

Enjoy 10% cashback with S$600 min. spend

Valid until 31 October 2023

Things to consider for this product:

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Online shopping rebate

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Supermarket rebate

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Annual Fee waiver

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Rebate cap applied

Standard Chartered Journey Credit Card

Airmiles Overseas

2 miles per dollar

Airmiles Local

1.20 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 194.40

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First Year Waived (Optional)

3 Offers Available

SingSaver Exclusive Flash Deal

Dyson Airwrap™ multi-styler (Complete) (worth S$859)

Valid until 01 October 2023

SingSaver Exclusive Offer

Dyson Supersonic™ hair dryer (worth S$699)

+ 1 other gift options

Valid until 30 September 2023

Welcome Offer

45,000 miles

Valid until 30 September 2023

Things to consider for this product:

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Bonus air miles

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No expiry air miles

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Airport lounge

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Travel insurance

Earn 3 miles for every S$1 spent on online transactions from transportation, grocery +and food delivery merchants.
Earn 2 miles for every S$1 on foreign currency transactions.
Earn 1.2 miles for every S$1 spent locally.
S$0 foreign transaction fee for overseas spend made and posted in June-July, November-December 2023.
S$10 off Grab rides to or from Changi Airport.
2 complimentary visits to Priority Pass lounges around the world each year.
Get peace of mind when you travel with complimentary travel insurance coverage of up +to S$500,000.
Rewards points do not expire.
Flexible redemption – enjoy your choice of air miles, cash rewards or travel vouchers on the SCB Rewards 360 platform.
Enjoy exciting card offers and privileges on Standard Chartered The Good Life programme.
Transportation, food delivery and online grocery rewards capped at 3,000 miles in a statement cycle.

Dyson Airwrap™ multi-styler (Complete) (worth S$859)

Dyson Supersonic™ hair dryer (worth S$699)
S$120 SUPER Upsized Cash via PayNow

45,000 miles

OCBC Titanium Rewards Credit Card

Rewards Points Baseline

1 OCBC$ per dollar

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Base rate

Rewards Points Online Shopping

10 OCBC$ per dollar

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Capped at 120,000 OCBC$ per anniversary year.

Rewards Points Retail

10 OCBC$ per dollar

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Capped at 120,000 OCBC$ per anniversary year.

Rewards Bonus Cap

120,000 OCBC$

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Per anniversary year

2 Offers Available

SingSaver Exclusive Flash Deal

Dyson Airwrap™ multi-styler (Complete) (worth S$859)

Valid until 01 October 2023

Apple AirPods Pro Gen 2 (worth S$362.35)

SingSaver Exclusive Offer

Apple AirPods Pro Gen 2 (worth S$362.35)

+ 3 other gift options

Valid until 01 October 2023

Things to consider for this product:

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Retail rebate

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Online shopping rebate

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Gift: Apple product

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No monthly spend required

Citi Cash Back+ Card

Min. Annual Income

S$ 30,000

Annual Fee

S$ 194.40

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First Year Waived

Cashback Base Rate

1.60 %

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On all spends

Monthly Spend Required

None

Offer Available

SingSaver Exclusive Offer

Dyson Supersonic™ hair dryer (worth S$699)

+ 3 other gift options

Valid until 01 October 2023

Things to consider for this product:

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No rebate cap

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No monthly spend required

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Annual Fee waiver

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High-value gift

CIMB World Mastercard

Cashback Dining

2 %

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With $500 min. spend posted in the same statement month. Earn an addition 1% cashback on all spend with a min. spend of S$2,500 in the same statement month. No cap.

Cashback Base Rate

1 %

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With $500 min. spend posted in the same statement month. No cap.

Cashback Local

3 %

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3% cashback on dining, entertainment, luxury goods and taxi

Cashback Overseas

1 %

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On all other spend

3 Offers Available

SingSaver Exclusive Offer

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$503.65)

Valid until 01 October 2023

SingSaver Exclusive Offer

S$320 upsized cash via PayNow

Valid until 01 October 2023

Welcome Offer

3% cashback with S$500 minimum spend

Valid until 31 October 2023

Things to consider for this product:

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No rebate cap

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Food delivery

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Annual Fee waiver

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Monthly spend required

Standard Chartered Smart Credit Card

Minimum Annual Income

S$ 30,000

Annual Fee

No Annual Fee

Cashback Transport

6 %

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Bus and MRT only.

Monthly Spend Required

None

2 Offers Available

SingSaver Exclusive Flash Deal

Dyson Airwrap™ multi-styler (Complete) (worth S$859)

Valid until 01 October 2023

Welcome Offer

Dyson Supersonic™ hair dryer (worth S$699)

+ 2 other gift options

Valid until 01 October 2023

Things to consider for this product:

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Bonus air miles

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Public transportation

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Installment

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No Annual Fee

OCBC Frank Card

Monthly Spend Required

S$ 800 per month

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Capped at S$100 cashback per calendar month, S$25 per category spend.

Cashback Base Rate

0.30 %

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Capped at S$25

Cashback Overseas

8 %

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For purchases made in foreign currency, both online and in stores capped at S$25 minimum spend of S$800 required.

Cashback Contactless Spend

Up to 10 %

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8% for contactless mobile transactions Additional 2% cashback at eco-friendly merchants and services capped at S$25 minimum spend of S$800 required.

5 Offers Available

SingSaver Exclusive Flash Deal

Dyson Airwrap™ multi-styler (Complete) (worth S$859)

Valid until 01 October 2023

SingSaver Exclusive Offer

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$503.65)

Valid until 01 October 2023

SingSaver Exclusive Offer

Apple Bundle: AirPods Pro Gen 2 + MagSafe Charger (worth S$421.35)

Valid until 01 October 2023

SingSaver Exclusive Offer

S$350 eCapitaVoucher

Valid until 01 October 2023

SingSaver Exclusive Offer

S$250 cash via PayNow

Valid until 01 October 2023

Things to consider for this product:

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Contactless payment

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Overseas rebate

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Online shopping rebate

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Monthly spend required

Dyson Airwrap™ multi-styler (Complete) (worth S$859)

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$503.65)

Apple Bundle: AirPods Pro Gen 2 + MagSafe Charger (worth S$421.35)

S$350 eCapitaVoucher

S$250 cash via PayNow

Maybank Manchester United Platinum Visa Credit Card

Cashback Base Rate

Up to 3 %

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Unlimited cashback with no minimum spend when Manchester United Wins a Premier Leage Match, otherwise earn 1% unlimited cashback. Bonus cashback capped at S$20 per match day win.

Airmiles Base Rate

Up to 2 miles per dollar

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When Manchester United Wins a Premier Leage Match, otherwise earn 0.4 miles per dollar.

Minimum Annual Income

S$ 30,000

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S$30,000 (Singaporean & PR) S$45,000 (Malaysian Citizen) S$60,000 (Foreigner).

Monthly Spend Required

None

2 Offers Available

2x American Tourister Linex Spinner 66/24 Luggage (worth S$336)

Welcome Offer

2x American Tourister Linex Spinner 66/24 Luggage (worth S$336)

+ 2 other gift options

Valid until 31 October 2023

SingSaver Exclusive Offer

S$50 Cash via PayNow

Valid until 31 October 2023

Things to consider for this product:

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Local spending rebate

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No monthly spend required

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No rebate cap

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Travel insurance

Standard Chartered Rewards+ Credit Card

Monthly Spend Required

None

Rewards Points Baseline

1 point per dollar

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Base rate

Rewards Points Overseas Spending

10 points per dollar

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Overseas retail, dining and travel.

Rewards Points Dining

5 points per dollar

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On dining transactions in SGD. Up to 10 360° Reward Points for overseas retail transactions.

2 Offers Available

SingSaver Exclusive Flash Deal

Dyson Airwrap™ multi-styler (Complete) (worth S$859)

Valid until 01 October 2023

Welcome Offer

Dyson Supersonic™ hair dryer (worth S$699)

+ 2 other gift options

Valid until 01 October 2023

Things to consider for this product:

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Overseas rebate

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No monthly spend required

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Travel insurance

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Rebate cap applied

Citi Rewards Card

Rewards Points Online Shopping

10 points per dollar

Rewards Points Retail

10 points per dollar

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On in-store shopping purchases only.

Rewards Points Online Food Delivery

10 points per dollar

Rewards Points Taxi Ride Sharing

10 points per dollar

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Ride-hailing

Offer Available

SingSaver Exclusive Offer

Dyson Supersonic™ hair dryer (worth S$699)

+ 3 other gift options

Valid until 01 October 2023

Things to consider for this product:

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Bonus air miles

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Travel insurance

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Annual Fee waiver

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High-value gift

10X rewards points (4 miles per S$1) on online spending except travel and mobile wallet-related transactions.
Online category includes online shopping, taxi/ride-hailing apps, food delivery, online groceries and more.
Pair with amaze card to turn offline transactions into online transactions.
10X rewards points (4 miles per S$1) on offline fashion shopping and department stores.
Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
1X reward point for every S$1 on all other spending.
No min. spend required.
Rewards points conversion rates: 4,400 points = S$10 cash rebate, 25,000 points = 10,000 miles.
Read our full review of the Citi Rewards Card.
10X rewards are capped at 10,000 points per statement month i.e. S$1,000 spent.
10X rewards excludes travel purchases online and non-fashion purchases offline.

OCBC 90°N Visa Card

Airmiles Local

1.30 miles per dollar

Airmiles Overseas

2.10 miles per dollar

Monthly Spend Required

None

Airmiles Hotel Booking

Up to 7 miles per dollar

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On Agoda bookings

3 Offers Available

SingSaver Exclusive Flash Deal

Dyson Airwrap™ multi-styler (Complete) (worth S$859)

Valid until 01 October 2023

7 Miles per Dollar at Agoda accommodations worldwide

SingSaver Exclusive Offer

7 Miles per Dollar at Agoda accommodations worldwide

Valid until 30 November 2023

SingSaver Exclusive Offer

Apple AirPods Pro Gen 2 (worth S$362.35)

+ 3 other gift options

Valid until 01 October 2023

Things to consider for this product:

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Unlimited air miles

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No expiry air miles

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Bonus air miles

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Gift: Apple product

Dyson Airwrap™ multi-styler (Complete) (worth S$859)

7 Miles per Dollar at Agoda accommodations worldwide

Hinomi H1 Classic Plus Ergonomic Chair (worth S$459)
Apple AirPods Pro Gen 2 (worth S$362.35)
S$280 eCapitaVoucher
S$250 cashback

CIMB Visa Infinite Card

Cashback Overseas

Unlimited 2 %

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2% cashback on overseas and travel related spend. Charge a minimum of S$2,000 in month. No cashback cap.

Cashback Travel

Unlimited 2 %

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2% cashback on overseas and travel related spend. Charge a minimum of S$2,000 in month. No cashback cap.

Cashback Local Online Shopping

Unlimited 1 %

Monthly Spend Required

S$ 2,000

2 Offers Available

SingSaver Exclusive Offer

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$503.65)

Valid until 01 October 2023

SingSaver Exclusive Offer

S$320 upsized cash via PayNow

Valid until 01 October 2023

All Type

Find The Best Credit Cards in Singapore 2023

Standard Chartered Simply Cash Credit Card

5 Offers Available

Things to consider for this product:

Quick Facts

OCBC 365 Credit Card

5 Offers Available

Things to consider for this product:

Quick Facts

Citi PremierMiles Card

4 Offers Available

Things to consider for this product:

Quick Facts

CIMB Visa Signature Card

3 Offers Available

Things to consider for this product:

Quick Facts

Standard Chartered Journey Credit Card

3 Offers Available

Things to consider for this product:

Quick Facts

OCBC Titanium Rewards Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

Citi Cash Back+ Card

Offer Available

Things to consider for this product:

Quick Facts

CIMB World Mastercard

3 Offers Available

Things to consider for this product:

Quick Facts

Standard Chartered Smart Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

OCBC Frank Card

5 Offers Available

Things to consider for this product:

Quick Facts

Maybank Manchester United Platinum Visa Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

Standard Chartered Rewards+ Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

Citi Rewards Card

Offer Available

Things to consider for this product:

Quick Facts

OCBC 90°N Visa Card

3 Offers Available

Things to consider for this product:

Quick Facts

CIMB Visa Infinite Card

2 Offers Available