First, the online application has to be completed through SingSaver. Following the online application, complete the SingSaver Rewards Redemption Form sent to you via your registered email address.
When the application is approved by the bank and the bank confirms the applicant’s eligibility to receive the Reward, SingSaver will email the applicant with details on how to collect the Reward.
Best High-Value Credit Card Offers in Singapore 2025
Updated: 23 Jun 2025
Unearth a treasure trove of top-tier credit card deals in Singapore through our platform. We bring you a curated selection of credit card offers that provide exceptional value. Whether you're seeking cash rebates, travel perks, exclusive lifestyle benefits, or high-value gifts upon sign-up, our comprehensive comparison service empowers you to make informed financial decisions. Navigate through the diverse landscape of credit card offerings and seize the opportunity to secure a card that aligns perfectly with your financial goals and preferences.
Why Trust SingSaver
Card | Hot Reward Pick | SingSaver Reward | Card Benefit | Annual Fee | Airmiles Local | |||
|---|---|---|---|---|---|---|---|---|
 | Citi PremierMiles Card | S$1,049 | 1.2 - 10miles / dollar | S$196.20 | 1.2 miles / dollar | |||
 | Standard Chartered Simply Cash Credit Card | S$999 | 1.5 - 2 % cashback | S$196.20 | - | |||
 | POSB Everyday Card | S$999 | 0.3 - 10 % cashback | S$196.20 | - | |||
 | HSBC TravelOne Credit Card | S$999 | 1.2 - 2.4miles / dollar | S$196.20 | 1.2 miles / dollar | |||
 | DBS Altitude Visa Signature Card | - | - | 1.3 - 2.2miles / dollar | S$196.20 | 1.3 miles / dollar | ||
 | Citi Rewards Card | S$1,049 | 1 - 10points / dollar | S$196.20 | Up to4 miles / dollar | |||
 | DBS Live Fresh Card | S$1,299 | 0.3 - 9.25 % cashback | S$196.20 | - | |||
 | HSBC Live+ Credit Card | S$999 | 0.3 - 8 % cashback | S$196.20 | - | |||
 | HSBC Advance Credit Card | S$999 | 1.5 - 2.5 % cashback | S$196.20 | - | |||
 | Citi Cash Back Card | S$1,049 | 0.2 - 8 % cashback | S$196.20 | - | |||
 | Citi Cash Back+ Card | S$1,049 | 1.6 % cashback | S$196.20 | - | |||
 | DBS Altitude American Express Card | - | - | 1.3 - 2.2miles / dollar | S$196.20 | Up to 1.3 miles / dollar | ||
 | American Express Singapore Airlines Business Credit Card | - | - | 1.2 - 8 HighFlyer points | S$400 | - |
Card Details
Card Benefit
1.2 - 10 miles / dollarAnnual Fee
S$ 196.20Airmiles Local
1.2 miles / dollarCashback Local
0.73 %Apply through SingSaver and choose from 11 premium rewards:
- 1.2 miles per S$1 spent locally.
- 2.2 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. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi PremierMiles Card will be updated to end on 31 March 2026. For more information, please click here.
- 11 different airline and hotel transfer partners.
- Generous sign-up bonus with relatively low minimum spend.
- 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.
Repayment Details
Minimum Payment: 1 %
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 27.9 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Card Benefit
1.5 - 2 % cashbackAnnual Fee
S$ 196.20Cashback Local
2 %Apply through SingSaver and choose from 6 premium rewards:
- Get 2% unlimited cashback with min. spend of S$800 on monthly basis based on your statement date.
- 1.5% unlimited cashback rate with no min. spend.
- Enjoy offers and privileges for online, dining, retail and more with The Good Life®.
- First year annual fee waiver.
- Cannot be used for EZ-Reload.
Repayment Details
Minimum Payment: S$50
Interest on Purchase: 27.9 %
Interest on Cash Advance: 28 %
Interest Free Period: 22 days
Late Payment Charge: S$100
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.5 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
POSB Everyday Card
rating
3.9/ 5
Card Benefit
0.3 - 10 % cashbackAnnual Fee
S$ 196.20Cashback Local
Up to 10 %Apply through SingSaver and choose from 5 premium rewards:
- Up to 10% cash rebates on food delivery via foodpanda, GrabFood and Deliveroo.
- Up to 10% cash rebates on in-store spend in Malaysian Ringgit (MYR).
- Up to 10% cash rebates on SimplyGo.
- Up to 5% cash rebates on Amazon.sg, Lazada, Shopee, RedMart, Taobao and TikTok Shop.
- Up to 5% cash rebates at Popular bookstores (in-person and online)
- 5% cash rebates at Sheng Siong supermarkets.
- 6% cash rebates at SPC.
- 3% cash rebates at Pet Lovers Centre.
- 0.3% cash rebates on all other eligible spend.
- Cash rebates (in Daily$) never expire.
- Read our full review of the POSB Everyday Card.
- Min. spend of S$800 per calendar month required for accelerated cash rebate earn rate.
- S$20 monthly cash rebate cap for dining, Sheng Shiong, Popular, online shopping, SimplyGo, and MYR categories respectively.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: 8 %
Eligibility
Monthly Spend Required: S$800
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Card Benefit
1.2 - 2.4 miles / dollarAnnual Fee
S$ 196.20Airmiles Local
1.2 miles / dollarApply through SingSaver and choose from 10 premium rewards:
- Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
- Instant reward redemption with an extensive selection of airline and hotel partners via HSBC Singapore mobile app.
- Accelerated earn rate: up to 2.4 miles for your spending.
- No conversion fee for air miles or hotel points until 31 January 2025.
- Complimentary travel insurance coverage (including COVID-19) and 4x complimentary airport lounge visits for primary cardholders and guests of primary cardholders.
- Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
- Split your purchases across a range of flexible tenures with HSBC Instalment Plans.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 26.9 %
Interest on Cash Advance: 28 %
Interest Free Period: 20 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: None
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$0
Minimum Annual Income: 30,000
Minimum Age: 21 years old
Card Benefit
1.3 - 2.2 miles / dollarAnnual Fee
S$ 196.20Airmiles Local
1.3 miles / dollarCashback Local
0.5 %You’ll also receive the following welcome gift(s) directly from the bank:
- Up to 1.3 miles per S$1 spent locally, including bus and train rides.
- Up to 2.2 miles per S$1 spent on overseas purchases in foreign currency.
- Receive 10,000 bonus miles when you pay the annual fee of S$196.20
- 2 free lounge visits within each 12-month period of your membership to over 1,500 airport lounges worldwide.
- Read our full review of the DBS Altitude Card.
- Miles are awarded in the form of DBS points which are awarded for every S$5 spent.
- Each conversion of DBS points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Cash Advance Service Charge: S$15
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Eligibility
Monthly Spend Required: No Cap
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Citi Rewards Card
rating
4.4/ 5
Card Benefit
1 - 10 points / dollarAnnual Fee
S$ 196.20Airmiles Local
Up to 4 miles / dollarApply through SingSaver and choose from 11 premium rewards:
- 10X rewards points for all online purchases except mobile wallet and travel-related transactions.
- 10X rewards points for in-store shopping purchases at department stores, clothing stores and more.
- 1X rewards points on all other purchases.
- Pair with amaze card to turn offline transactions into online transactions.
- No cap on base rewards points.
- Rewards points conversion rate: 440 Points = S$1
- Rewards points are rounded down to the nearest 10 points on all purchases.
- Use Citi PayAll to earn ThankYou PointSM when you pay your bills with your Citi Rewards Card.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Rewards Card will be updated to end on 31 March 2026. For more information, please click here.
- Read our full review of the Citi Rewards Card
- Bonus rewards points capped at 9,000 points per statement month
Repayment Details
Minimum Payment: 1 %
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 27.9 %
Interest Free Period: 25 Days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Card Benefit
0.3 - 9.25 % cashbackAnnual Fee
S$ 196.20Cashback Local
Up to 6 %Apply through SingSaver and choose from 5 premium rewards:
You’ll also receive the following welcome gift(s) directly from the bank:
- Get up to 6% cashback on Shopping and Transport spend
- Get unlimited 0.3% cashback on all spend
- Earn an extra 3.25% cashback on In-store Overseas Spend at your favourite destinations in Asia from Japan, Malaysia, Thailand and more
- Enjoy first-year annual fee waiver
- Enjoy more fresh deals and exclusive perks
- Spending on the card and crediting your salary can earn you 0.05% p.a. or more on your DBS Multiplier account
- Min. monthly spending of S$800 required to earn up to 6% cashback on Shopping and Transport spend
- Cashback on Shopping spend capped at S$50 per calendar month
- Cashback on Transport spend capped at S$20 per calendar month
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$800
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Card Benefit
0.3 - 8 % cashbackAnnual Fee
S$ 196.20Cashback Local
5 - 8%Apply through SingSaver and choose from 10 premium rewards:
- Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
- 8% cashback* on dining, entertainment, and shopping spend (both local and overseas).
- 5% cashback* on fuel spending at Caltex and Shell stations in Singapore.
- 0.3% cashback* on all other qualifying spend.
- First year annual fee waived.
- Min. spending of S$600 per calendar month, for all 3 months in a calendar quarter, required to earn 8% cash rebate.
- Cashback* capped at S$250 per calendar quarter.
- Cash rebates* are credited quarterly instead of monthly.
- *Min. spend and other terms & conditions apply. Valid till 31 Dec 2024.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 26.9 %
Interest on Cash Advance: 28 %
Interest Free Period: 20 Days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$40
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$600 - S$1000
Min. Annual Income: 30,000
Minimum Age: 21 years old
HSBC Advance Credit Card
rating
3.9/ 5
Card Benefit
1.5 - 2.5 % cashbackAnnual Fee
S$ 196.20Cashback Local
2.5 %Apply through SingSaver and choose from 10 premium rewards:
- Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
- Earn up to 2.5% Base Cashback (1.5% with no minimum spend OR 2.5% when you spend above S$2,000) on your local and overseas purchases each calendar month.
- Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
- Read our full review of the HSBC Advance Credit Card.
- Cashback is capped at S$70 per calendar month.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 26.9 %
Interest on Cash Advance: 28 %
Interest Free Period: 20 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$40
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$2,000
Minimum Annual Income: 30,000
Minimum Age: 21 years old
Citi Cash Back Card
rating
3/ 5
Card Benefit
0.2 - 8 % cashbackAnnual Fee
S$ 196.20Cashback Local
Up to 8 %Apply through SingSaver and choose from 11 premium rewards:
- 6% cashback on dining and grocery spending (local & overseas).
- 8% cashback on petrol and private commute (local & overseas).
- Up to 23.64% savings at Caltex, Esso and Shell, inclusive of 8% cashback for petrol spending.
- With Citi PayAll you can earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Cash Back Card will be updated to end on 31 March 2026. For more information, please click here.
- 0.20% cashback for all other spending, even if you do not meet the min. monthly spend.
- Min. monthly spend of S$800 required to earn bonus cashback.
- S$80 combined cashback cap across all categories.
Repayment Details
Minimum Payment: 1 %
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 27.9 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$800
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Card Benefit
1.6 % cashbackAnnual Fee
S$ 196.20Cashback Local
Up to 3.25 %Apply through SingSaver and choose from 11 premium rewards:
- 1.6% cashback on all eligible spending with no minimum spend and no cap.
- Cashback earned does not expire.
- Redeem cashback instantly via SMS. Terms and Conditions here.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Cash Back+ Card will be updated to end on 31 March 2026. For more information, please click here.
- With Citi PayAll you can earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
- Up to 17% discount at Caltex, Esso and Shell petrol stations.
Repayment Details
Minimum Payment: 1 %
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 27.9 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Min. Annual Income: S$30,000
Minimum Age: 21 years old
DBS Altitude American Express Card
rating
2/ 5
Card Benefit
1.3 - 2.2 miles / dollarAnnual Fee
S$ 196.20Airmiles Local
Up to 1.3 miles / dollarCashback Local
0.5 %You’ll also receive the following welcome gift(s) directly from the bank:
- Up to 1.3 miles per S$1 spent locally, including bus and train rides.
- Up to 2.2 miles per S$1 spent on overseas purchases in foreign currency.
- Receive 10,000 bonus miles when you pay the annual fee of S$196.20
- Read our full review of the DBS Altitude Card.
- Miles are awarded in the form of DBS points which are awarded for every S$5 spent.
- Each conversion of DBS points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$0
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Card Benefit
1.2 - 8 HighFlyer pointsAnnual Fee
S$ 400You’ll also receive the following welcome gift(s) directly from the bank:
- Earn up to 8 HighFlyer points per S$1 spent on eligible Singapore Airlines and Scoot flights (worth 8 KrisFlyer miles).
- Earn 1.2 HighFlyer points per S$1 spent on all eligible purchases (worth 1.2 KrisFlyer miles) with no cap.
- Convert HighFlyer points to KrisFlyer miles at a 1:1 rate, up to 150,000 KrisFlyer miles (usual: 100,000 KrisFlyer miles) per eligible KrisFlyer account annually with no limit on the number of KrisFlyer accounts linked.
- Be the first from your business to spend S$15,000 or more on eligible Singapore Airlines and Scoot flight bookings within the first 12 months of Card Membership to be eligible for an upgrade to the KrisFlyer Elite Gold membership tier. Each business is eligible for this benefit once.
- Receive complimentary Accor Plus membership each year with exclusive stay and dining privileges
- Redeem KrisFlyer Elite Gold membership tier at 100,000 HighFlyer points (usual: 125,000 HighFlyer points). Subject to the terms and conditions of the Singapore Airlines HighFlyer Programme .
- Receive 6,000 HighFlyer points after American Express receives payment of the renewal annual membership fee each year.
- If your business is new to Singapore Airlines HighFlyer, your business may receive 10,000 HighFlyer points awarded by Singapore Airlines upon the first flown flight booking by a corporate traveler from your business that is purchased via the Singapore Airlines corporate portal, within the first 12 months of the first Card approval. Each business is eligible for this benefit once.
- Please refer to the American Express website for the most up to date information on card benefits and its terms & conditions.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 26.90 %
Interest on Cash Advance: 25.9 %
Interest Free Period: 22 days
Fees
Annual Fee: S$400
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: No Fee
Cash Advance Service Charge: 5 %
Eligibility
Minimum Annual Income: Conditional
Minimum Age: 21 years old
Types of High-Value Gifts Receivable From SingSaver
SingSaver's credit card sign-up promotions offer an enticing range of rewards. From cutting-edge electronics and immersive travel experiences to luxury home appliances, stylish fashion items, and practical cash rebates, there's something for everyone.