All Rewards Cards No Minimum Spend Required

chevron_left

chevron_right

chevron_left

chevron_right

Best Rewards Credit Card in Singapore 2023

Experience unparalleled benefits, exclusive perks, and unmatched rewards with the best rewards credit cards in Singapore. Discover the perfect card for your lifestyle and spending preferences, from air miles to cashback and more. Elevate your financial journey now!

See Moreexpand_more

Search by rewards types

All Rewards Cards No Minimum Spend Required

Maybank Manchester United Platinum Visa Credit Card

Rewards Points Baseline

Up to 25 TREATS Points per S$5 spent

info

When Manchester United wins a Premier League Match, otherwise earn 5 TREATS Points per S$5 spent.

Monthly Spend Required

None

Annual Fee

S$ 80

info

First Two Years Waived, Annual fee waivers after second year are subject to minimum annual spend of S3,600 per annum.

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:

check

Local spending rebate

check

No monthly spend required

check

No rebate cap

check

Travel insurance

Maybank FC Barcelona Visa Signature Card

Rewards Points Baseline

10 TREATS Points per S$5

info

For foreign currency spend only.

Monthly Spend Required

None

Annual Fee

S$ 120.00

info

First Two Years Waiver, Annual fee waivers after second year are subject to minimum annual spend of S$10,000 per annum.

Offer Available

Welcome Offer

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

+ 2 other gift options

Valid until 31 October 2023

Things to consider for this product:

check

Annual Fee waiver

check

No monthly spend required

check

No rebate cap

check

Overseas rebate

Maybank World MasterCard

Rewards Points Baseline

5 TREATS Points per S$5 spent

Monthly Spend Required

None

Annual Fee

S$ 240

info

First Year Waived

Offer Available

Welcome Offer

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

+ 2 other gift options

Valid until 31 October 2023

Things to consider for this product:

check

Dining rebate

check

Retail rebate

check

Petrol rebate

check

Airport lounge

Maybank DUO Platinum MasterCard

Rewards Points Baseline

5 TREATS Points per S$5 spent

info

Excluding petrol transactions

Monthly Spend Required

None

Annual Fee

S$ 120

info

First Three Years Waived

Offer Available

Welcome Offer

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

+ 2 other gift options

Valid until 31 October 2023

Things to consider for this product:

check

Petrol rebate

check

Overseas rebate

check

Travel insurance

check

Annual Fee waiver

Maybank Horizon Visa Signature Card

Rewards Points Baseline

5 TREATS Points per S$5 spent

Monthly Spend Required

S$ 300 per month

info

Capped at 30,000 bonus TREATS Points per calendar month.

Annual Fee

S$ 180

info

First Three Years Waived

Offer Available

Welcome Offer

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

+ 2 other gift options

Valid until 31 October 2023

Things to consider for this product:

check

Dining rebate

check

Petrol rebate

check

Public transportation

remove

Rebate cap applied

Standard Chartered Visa Infinite Credit Card

Rewards Points Baseline

3.50 points per dollar

info

3.5 Rewards Points for every S$1 spent in SGD (1.4 miles).

Monthly Spend Required

S$ 2,000

info

To earn up to 3 miles for every S$1 spent. All spend below S$2,000 will earn 1 mile for every S$1.

Annual Fee

S$ 594

info

Non-waivable

Things to consider for this product:

check

Airport lounge

check

Travel insurance

check

Bonus air miles

remove

Monthly spend required

American Express Platinum Card

Rewards Points Baseline

2 points per dollar

info

Base rate

Monthly Spend Required

None

Annual Fee

S$ 1,728

Offer Available

Get up to 135,000 Membership Rewards® points

Welcome Offer

Get up to 135,000 Membership Rewards® points

Valid until 31 October 2023

Things to consider for this product:

check

Bonus air miles

check

Dining savings

check

Airport lounge

remove

Annual Fee required

Up to S$1,354 worth of travel, dining, and lifestyle credits inclusive of S$200 airline credits, S$400 global dining credits, S$400 lifestyle credits, S$204 entertainment credits, and S$150 fashion credits.
Indulge In Fine Hotels + Resorts Benefits Worth S$800.
Complimentary access for you, a supplementary cardholder and one guest each to 1,400 Lounges such as The Centurion Lounge, Priority Pass, International American Express Lounges.
Gain instant status to higher tiers of leading hotel loyalty programs such as the Marriott Bonvoy™ Gold Elite Status and Hilton Honors Gold Status.
Complimentary Access into Tower Club.
Complimentary Weekend Parking at Great World City.
Membership Rewards Points never expire.
Up to 50% savings at selected hotels such as Marriott, St. Regis, and W Singapore among others.
Up to 50% savings with Love Dining at selected restaurants such as Lawry’s, Sen of Japan, and Peach Garden among others.
Enjoy S$400 every year to use at over 1,400 curated restaurants locally and around the world.
Annual fee: S$1,728 (inclusive of GST).

American Express Platinum Credit Card

Rewards Points Baseline

2 points per dollar

info

Base rate

Monthly Spend Required

None

Annual Fee

S$ 324

Offer Available

Welcome Offer

S$200 statement credits

Valid until 31 October 2023

Things to consider for this product:

check

Unlimited air miles

check

Dining savings

check

Unlimited air miles

remove

Annual Fee required

Citi Business Card

Rewards Points Baseline

2 Citi ThankYou points

info

Per S$1 spent

Monthly Spend Required

None

Annual Fee

S$ 150

info

First Year Waived

Things to consider for this product:

check

Travel insurance

check

No rebate cap

check

No monthly spend required

remove

Annual Fee required

Standard Chartered Smart Credit Card

Rewards Points Baseline

1.60 points per dollar

info

Base rate

Monthly Spend Required

None

Annual Fee

No Annual Fee

2 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

Dyson Supersonic™ hair dryer (worth S$699)

Welcome Offer

Dyson Supersonic™ hair dryer (worth S$699)

+ 2 other gift options

Valid until 01 October 2023

Things to consider for this product:

check

Bonus air miles

check

Public transportation

check

Installment

check

No Annual Fee

Citi Rewards Card

Rewards Points Baseline

1 point per dollar

Monthly Spend Required

None

Annual Fee

S$ 194.40

info

First Year Waived

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:

check

Bonus air miles

check

Travel insurance

check

Annual Fee waiver

check

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.

DBS yuu Visa Card

Rewards Points Baseline

1 yuu Point per S$1

info

0.5% cash rebate (1x yuu point)

Monthly Spend Required

None

Annual Fee

S$ 194.40

info

First Year Waived

Offer Available

Welcome Offer

S$250 cashback

Valid until 30 September 2023

Things to consider for this product:

check

Supermarket rebate

check

Dining rebate

remove

Rebate cap applied

remove

Monthly spend required

DBS yuu American Express Card

Rewards Points Baseline

1 yuu Point per S$1

info

0.5% cash rebate (1x yuu point)

Monthly Spend Required

None

Annual Fee

S$ 194.40

info

First Year Waived

Offer Available

Welcome Offer

S$250 cashback

Valid until 30 September 2023

Things to consider for this product:

check

Supermarket rebate

check

Dining rebate

remove

Rebate cap applied

remove

Monthly spend required

DBS Woman's Card

Rewards Points Baseline

1 DBS Point per S$5

info

Or 0.4 miles per dollar per S$1.

Monthly Spend Required

None

Annual Fee

S$ 162

info

First Year Waived

Offer Available

Welcome Offer

S$150 cashback

Valid until 31 January 2024

Things to consider for this product:

check

Online shopping rebate

check

Overseas rebate

check

Installment

remove

Rebate cap applied

DBS Woman's World Card

Rewards Points Baseline

1 DBS Point per S$5

info

1X DBS Points per S$5

Monthly Spend Required

None

Annual Fee

S$ 194.40

info

First Year Waived

Offer Available

Welcome Offer

S$150 cashback

Valid until 31 January 2024

Things to consider for this product:

check

Online shopping rebate

check

Overseas rebate

check

Installment

remove

Rebate cap applied

10X DBS points (20 miles) for every S$5 spent on online purchases.
3X DBS points (6 miles) for every S$5 spent on overseas purchases.
1X DBS points (2 miles) for every S$5 spent on other purchases.
Complimentary e-commerce protection for online purchases.
Enjoy special promotions and discounts for certain fashion, beauty and wellness stores.
Both women and men can apply.
Read our full review of the DBS Woman's World Card.
DBS points are only awarded for every S$5 spent.
10X DBS points are only applicable for the first S$2,000 online spend per calendar month.
Minimum income requirement for Singaporeans/PRs: S$80,000.
Minimum income requirement for foreigners: S$80,000.

Standard Chartered Rewards+ Credit Card

Rewards Points Baseline

1 point per dollar

info

Base rate

Monthly Spend Required

None

Annual Fee

S$ 194.40

info

First Year Waived

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:

check

Overseas rebate

check

No monthly spend required

check

Travel insurance

remove

Rebate cap applied

UOB Lady's Solitaire Card

Rewards Points Baseline

UNI$ 1

Monthly Spend Required

None

Annual Fee

S$ 410.40

info

First Year Waived

Offer Available

Welcome Offer

S$350 cash credit

Valid until 30 September 2023

Things to consider for this product:

check

Local spending rebate

check

Installment

check

No monthly spend required

remove

Rebate cap applied

HSBC Revolution Credit Card

Rewards Points Baseline

1 point per dollar

info

Base rate

Monthly Spend Required

None

Annual Fee

No Annual Fee

Offer Available

Samsonite ZELTUS 69cm Spinner Exp with built-in scale (worth S$680)

Welcome Offer

Samsonite ZELTUS 69cm Spinner Exp with built-in scale (worth S$680)

Valid until 31 December 2023

Things to consider for this product:

check

Mobile contactless rebate

check

Online shopping rebate

check

Travel rebate

check

No Annual Fee

OCBC Titanium Rewards Credit Card

Rewards Points Baseline

1 OCBC$ per dollar

info

Base rate

Monthly Spend Required

None

Annual Fee

S$ 194.40

info

First Two Years Waived

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:

check

Retail rebate

check

Online shopping rebate

check

Gift: Apple product

check

No monthly spend required

Citi Lazada Card

Rewards Points Baseline

1 points per dollar

info

On all other spend

Monthly Spend Required

None

Annual Fee

S$ 194.40

info

First Year Waived

Things to consider for this product:

check

Online shopping rebate

check

No monthly spend required

check

Travel insurance

remove

Rebate cap applied

10X rewards points per S$1 spend on Lazada spend (equivalent to 4 miles per S$1 spend on Lazada).
5X rewards points (2 miles per S$1) on dining and nightlife.
5X rewards points (2 miles per S$1) on entertainment, including Netflix, Spotify, cinemas and ticketing.
5X rewards points (2 miles per S$1) on taxis and ride-hailing apps.
5X rewards points (2 miles per S$1) on flights, accommodation and other travel spending.
1X reward point for every S$1 spent on all other spending.
No min. spend required.
Enjoy Lazada shipping rebates up to 4 times a month.
Complimentary travel insurance when you charge your airfare to Citi Lazada Card.
10X rewards points exclude Red Mart purchases, department stores, and miscellaneous general merchandise stores.
Bonus 10X or 5X rewards are capped at 9,000 points per month.
Min. spend of S$50 required to qualify for Lazada shipping rebate.

HSBC Visa Platinum Credit Card

Rewards Points Baseline

1 point per dollar

Monthly Spend Required

S$ 600 per month

info

For 3 consecutive months, capped at S$250 cashback per quarter.

Annual Fee

S$ 194.40

info

First Two Years Waived

Offer Available

Welcome Offer

Samsonite ZELTUS 69cm Spinner Exp with built-in scale (worth S$680)

Valid until 31 December 2023

Things to consider for this product:

check

Dining rebate

check

Supermarket rebate

check

Petrol rebate

remove

Rebate cap applied

UOB Lady's Card

Rewards Points Baseline

UNI$ 1

Monthly Spend Required

None

Annual Fee

S$ 194.40

info

First Year Waived

Offer Available

Welcome Offer

S$350 cash credit

Valid until 30 September 2023

Things to consider for this product:

check

Local spending rebate

check

Installment

check

No monthly spend required

remove

Rebate cap applied

Maybank Business Platinum Mastercard

Rewards Points Baseline

1 TREATS Points per S$1 spent

Monthly Spend Required

None

Annual Fee

S$ 180

info

First Two Years Waived

Things to consider for this product:

check

Travel insurance

check

Annual Fee waiver

check

Installment

check

No monthly spend required

How does a Rewards Credit Card work?

Unlike miles or cashback cards, rewards credit cards allow you to earn points and redeem various rewards depending on what you are looking for. The more you spend, the more points you accumulate, allowing you to redeem benefits like cash rebates, hotel stays, miles transfers or shopping vouchers.

See Moreexpand_more

Who should use a Rewards Credit Card?

These are the types of users who stand to benefit the most from a Rewards Credit Card.

If you’re a regular credit card user

People who use credit cards regularly to make purchases will stand to benefit from a rewards credit card as they will be able to earn points throughout the day.

See Moreexpand_more

How to get the most rewards out of your credit card?

Understand the rewards programme
Familiarise yourself with the card's rewards program, including earning rates, redemption options, and any limitations or reward points expiration dates. Choose a card that aligns with your spending habits and offer rewards you value.

See Moreexpand_more

How do I earn Rewards Points?

You can earn rewards points on your credit card through various spending activities and transactions.
Rewards points are easy to earn as you simply need to tap your card. The specific ways to earn rewards points depend on the credit card's rewards program and its spend categories. However, here are some common methods to get the most out of your reward card.

Everyday purchases
Pick a rewards credit card that complements your lifestyle. This way you can earn points on your credit card for every eligible purchase you make, such as groceries, dining, entertainment, gas, and other retail expenses.

Sign-up bonuses
Many credit cards offer generous sign-up bonuses or welcome offers when you hit the spending requirements. By hitting the minimum spend, you can accelerate your reward game!

Bonus spend categories
Certain credit cards offer higher points earnings in specific spending categories. Using the right rewards card can boost your earnings without too much extra work.

For example, you can earn 15X UNI$ per S$5 spend (6 mpd) on dining transactions if ‘Dining’ was your enrolled category for the UOB Lady’s Card. Or if you prefer a rewards credit card for more general spend, the Citi Rewards Card earns 10X ThankYou Points (4 mpd) on almost all online spend. Credit cards offering such broad categories like online spend to earn bonus points/miles is great for straightforward spending.

Look out for travel credit cards that reward bonus points/miles for local, overseas, and even travel-related transactions. So you’ll be on the fast track to earn additional points/miles on your airline tickets, hotel stays, car rentals, and other travel bookings! Examples of such cards include Citi PremierMiles, DBS Altitude, HSBC TravelOne, OCBC 90°N, Standard Chartered Journey, and UOB PRVI Miles.
Meanwhile, some credit card issuers also have online shopping portals where you can earn additional points for purchases made through their affiliated merchants. It might be slightly troublesome but the additional step could save you money!

Recurring payments
Earn rewards on recurring bills and payments, such as utility bills, internet services, and subscriptions.

Referrals
Some credit cards offer points for referring new cardholders. If you refer friends or family members and they are approved for the card, you will receive a bonus. Check the full terms and conditions to ensure you get the most out of it.

Limited time promotions
Keep an eye out for limited-time promotions or special offers that allow you to earn extra rewards for specific spending during promotional periods.

See Moreexpand_more

What are the Best Credit Cards to earn Rewards?

Best High Rewards Card

Citi Rewards Card
Earn 10X ThankYou Points (4 mpd) on online spend such as shopping, food delivery and groceries as well as offline fashion shopping and department stores.

Rewards Type

Best Rewards Credit Card in Singapore 2023

Maybank Manchester United Platinum Visa Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

Maybank FC Barcelona Visa Signature Card

Offer Available

Things to consider for this product:

Quick Facts

Maybank World MasterCard

Offer Available

Things to consider for this product:

Quick Facts

Maybank DUO Platinum MasterCard

Offer Available

Things to consider for this product:

Quick Facts

Maybank Horizon Visa Signature Card

Offer Available

Things to consider for this product:

Quick Facts

Standard Chartered Visa Infinite Credit Card

Things to consider for this product:

Quick Facts

American Express Platinum Card

Offer Available

Things to consider for this product:

Quick Facts

American Express Platinum Credit Card

Offer Available

Things to consider for this product:

Quick Facts

Citi Business Card

Things to consider for this product:

Quick Facts

Standard Chartered Smart 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

DBS yuu Visa Card

Offer Available

Things to consider for this product:

Quick Facts

DBS yuu American Express Card

Offer Available

Things to consider for this product:

Quick Facts

DBS Woman's Card

Offer Available

Things to consider for this product:

Quick Facts

DBS Woman's World Card

Offer 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

UOB Lady's Solitaire Card

Offer Available

Things to consider for this product:

Quick Facts

HSBC Revolution Credit Card

Offer 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 Lazada Card

Things to consider for this product:

Quick Facts

HSBC Visa Platinum Credit Card