The Best Credit Cards in Singapore 2025

updated: Nov 27, 2024

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.

Best Credit Cards

products	Card benefit	Min. Annual Income	Annual Fee	Annual Fee Waiver	offers_rewards	apply
Citi PremierMiles Card	1.2 - 10 miles / dollar	S$ 30,000	S$ 196.20	1 year	eligible_rewards (1) eligible_rewards (1)	Apply Now on_provider_website	eligible_rewards (9) eligible_rewards (9) Apply Now on_provider_website
eligible_rewards (1) SingSaver Exclusive Offer Apply for selected Citi Credit Cards through SingSaver by 31 July 2025 Submit the SingSaver Reward Redemption form Activate your card and spend a minimum of S$500 within 30 days of card approval date to be eligible for reward Promotion is valid for new Citi credit cardmembers only Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks! Promotion does not stack with other welcome offers from Citibank Terms and Conditions apply offers Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$100) ; or Dyson Airstrait™ straightener (worth S$799) (Top up S$80) ; or Dyson Digital Slim Submarine™ (worth S$699) (Top up S$50) ; or Apple iPad (A16) 11" WiFi 128GB (worth S$499) (Top up S$80) ; or Nintendo Switch 2 (worth S$719) (Top up S$300) ; or Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) ; or Hinomi H1 Pro V2 Ergonomic Office Chair (worth S$999) ; or S$450 Shopee Vouchers ; or S$400 Cash via PayNow terms_and_conditions
Standard Chartered Journey Credit Card (Annual Fee Paying)	1.2 - 3 miles / dollar	S$ 30,000	S$ 196.20	n_a	eligible_rewards (2) eligible_rewards (2)	Apply Now on_provider_website	eligible_rewards (5) eligible_rewards (5) Apply Now on_provider_website
eligible_rewards (2) SingSaver Exclusive Offer offers Samsonite Straren Spinner 67/24 worth S$600 + 30,000 miles ; or Up to 37,000 Miles ; or S$180 Cash + 30,000 miles ; or S$250 Shopee Vouchers + 30,000 miles terms_and_conditions Standard Chartered Pinball Sure-Win Promotion offers Win a Paris Getaway for Two! terms_and_conditions
HSBC TravelOne Credit Card	1.2 - 2.4 miles / dollar	S$30,000 for Singapore citizen or Permanent residents; S$40,000 for self-employed or commission-based Singapore Citizen or Permanent Resident; S$60,000 for foreigner residing in Singapore	S$ 196.20	Not Available	eligible_rewards (1) eligible_rewards (1)	Apply Now on_provider_website	eligible_rewards (6) eligible_rewards (6) Apply Now on_provider_website
eligible_rewards (1) SingSaver Exclusive Offer offers Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$100) ; or Dyson Airstrait™ straightener (worth S$799) (Top up S$80) ; or Dyson Digital Slim Submarine™ (worth S$699) (Top up S$50) ; or Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) ; or Apple iPad (A16) 11" WiFi 128GB (worth S$499) ; or S$390 Cash via PayNow terms_and_conditions
Citi Rewards Card	1 - 10 points / dollar	S$ 30,000	S$ 196.20	1 year	eligible_rewards (1) eligible_rewards (1)	Apply Now on_provider_website	eligible_rewards (9) eligible_rewards (9) Apply Now on_provider_website
eligible_rewards (1) SingSaver Exclusive Offer Apply for selected Citi Credit Cards through SingSaver by 31 July 2025 Submit the SingSaver Reward Redemption form Activate your card and spend a minimum of S$500 within 30 days of card approval date to be eligible for reward Promotion is valid for new Citi credit cardmembers only Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks! Promotion does not stack with other welcome offers from Citibank Terms and Conditions apply offers Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$100) ; or Dyson Airstrait™ straightener (worth S$799) (Top up S$80) ; or Dyson Digital Slim Submarine™ (worth S$699) (Top up S$50) ; or Apple iPad (A16) 11" WiFi 128GB (worth S$499) (Top up S$80) ; or Nintendo Switch 2 (worth S$719) (Top up S$300) ; or Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) ; or Hinomi H1 Pro V2 Ergonomic Office Chair (worth S$999) ; or S$450 Shopee Vouchers ; or S$400 Cash via PayNow terms_and_conditions
HSBC Revolution Credit Card	4 miles / dollar	S$30,000 for Singapore citizen or Permanent residents; S$40,000 for self-employed or commission-based Singapore Citizen or Permanent Resident; S$60,000 for foreigner residing in Singapore	No Annual Fee	No Annual Fee	eligible_rewards (1) eligible_rewards (1)	Apply Now on_provider_website	eligible_rewards (6) eligible_rewards (6) Apply Now on_provider_website
eligible_rewards (1) SingSaver Exclusive Offer offers Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$100) ; or Dyson Airstrait™ straightener (worth S$799) (Top up S$80) ; or Dyson Digital Slim Submarine™ (worth S$699) (Top up S$50) ; or Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) ; or Apple iPad (A16) 11" WiFi 128GB (worth S$499) ; or S$390 Cash via PayNow terms_and_conditions
Standard Chartered Simply Cash Credit Card	1.5 - 2% cashback	S$ 30,000	S$ 196.20	1 year	eligible_rewards (2) eligible_rewards (2)	Apply Now on_provider_website	eligible_rewards (6) eligible_rewards (6) Apply Now on_provider_website
eligible_rewards (2) SingSaver Exclusive Offer offers Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$120) ; or Dyson Airstrait™ straightener (worth S$799) (Top up S$100) ; or Dyson Digital Slim Submarine™ (worth S$699) (Top up S$70) ; or Dyson Supersonic™ hair dryer (worth S$599) (Top up S$50) ; or S$360 Cash via PayNow terms_and_conditions Standard Chartered Pinball Sure-Win Promotion offers Win a Paris Getaway for Two! terms_and_conditions
Citi Cash Back+ Card	1.6% cashback	S$ 30,000	S$ 196.20	1 year	eligible_rewards (1) eligible_rewards (1)	Apply Now on_provider_website	eligible_rewards (9) eligible_rewards (9) Apply Now on_provider_website
eligible_rewards (1) SingSaver Exclusive Offer Apply for selected Citi Credit Cards through SingSaver by 31 July 2025 Submit the SingSaver Reward Redemption form Activate your card and spend a minimum of S$500 within 30 days of card approval date to be eligible for reward Promotion is valid for new Citi credit cardmembers only Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks! Promotion does not stack with other welcome offers from Citibank Terms and Conditions apply offers Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$100) ; or Dyson Airstrait™ straightener (worth S$799) (Top up S$80) ; or Dyson Digital Slim Submarine™ (worth S$699) (Top up S$50) ; or Apple iPad (A16) 11" WiFi 128GB (worth S$499) (Top up S$80) ; or Nintendo Switch 2 (worth S$719) (Top up S$300) ; or Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) ; or Hinomi H1 Pro V2 Ergonomic Office Chair (worth S$999) ; or S$450 Shopee Vouchers ; or S$400 Cash via PayNow terms_and_conditions
HSBC Live+ Credit Card	0.3 - 8% cashback	S$30,000 for Singapore citizen or Permanent residents; S$40,000 for self-employed or commission-based Singapore Citizen or Permanent Resident; S$60,000 for foreigner residing in Singapore	S$ 196.20	1 year	eligible_rewards (1) eligible_rewards (1)	Apply Now on_provider_website	eligible_rewards (6) eligible_rewards (6) Apply Now on_provider_website
eligible_rewards (1) SingSaver Exclusive Offer offers Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$100) ; or Dyson Airstrait™ straightener (worth S$799) (Top up S$80) ; or Dyson Digital Slim Submarine™ (worth S$699) (Top up S$50) ; or Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) ; or Apple iPad (A16) 11" WiFi 128GB (worth S$499) ; or S$390 Cash via PayNow terms_and_conditions
Standard Chartered Smart Credit Card	0.5 - 10% cashback	S$ 30,000	No Annual Fee	No Annual Fee	eligible_rewards (2) eligible_rewards (2)	Apply Now on_provider_website	eligible_rewards (5) eligible_rewards (5) Apply Now on_provider_website
eligible_rewards (2) SingSaver Exclusive Offer offers Apple AirPods 4th Gen with Active Noise Cancelling (worth S$249) ; or Hinomi H1 Classic V3 Ergonomic Office Chair without Headrest (worth S$659) ; or S$250 Shopee voucher ; or S$200 Cash via PayNow terms_and_conditions Standard Chartered Pinball Sure-Win Promotion offers Win a Paris Getaway for Two! terms_and_conditions
Citi Cash Back Card	0.2 - 8% cashback	S$ 30,000	S$ 196.20	1 year	eligible_rewards (1) eligible_rewards (1)	Apply Now on_provider_website	eligible_rewards (9) eligible_rewards (9) Apply Now on_provider_website
eligible_rewards (1) SingSaver Exclusive Offer Apply for selected Citi Credit Cards through SingSaver by 31 July 2025 Submit the SingSaver Reward Redemption form Activate your card and spend a minimum of S$500 within 30 days of card approval date to be eligible for reward Promotion is valid for new Citi credit cardmembers only Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks! Promotion does not stack with other welcome offers from Citibank Terms and Conditions apply offers Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$100) ; or Dyson Airstrait™ straightener (worth S$799) (Top up S$80) ; or Dyson Digital Slim Submarine™ (worth S$699) (Top up S$50) ; or Apple iPad (A16) 11" WiFi 128GB (worth S$499) (Top up S$80) ; or Nintendo Switch 2 (worth S$719) (Top up S$300) ; or Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) ; or Hinomi H1 Pro V2 Ergonomic Office Chair (worth S$999) ; or S$450 Shopee Vouchers ; or S$400 Cash via PayNow terms_and_conditions
Standard Chartered Rewards+ Credit Card	1 - 10 points / dollar	S$ 30,000	S$ 196.20	1 year	eligible_rewards (2) eligible_rewards (2)	Apply Now on_provider_website	eligible_rewards (5) eligible_rewards (5) Apply Now on_provider_website
eligible_rewards (2) SingSaver Exclusive Offer offers Apple AirPods 4th Gen with Active Noise Cancelling (worth S$249) ; or Hinomi H1 Classic V3 Ergonomic Office Chair without Headrest (worth S$659) ; or S$250 Shopee voucher ; or S$200 Cash via PayNow terms_and_conditions Standard Chartered Pinball Sure-Win Promotion offers Win a Paris Getaway for Two! terms_and_conditions
HSBC Advance Credit Card	1.5 - 2.5% cashback	S$30,000 for Singapore citizen or Permanent residents; S$40,000 for self-employed or commission-based Singapore Citizen or Permanent Resident; S$60,000 for foreigner residing in Singapore	S$ 196.20	1 year	eligible_rewards (1) eligible_rewards (1)	Apply Now on_provider_website	eligible_rewards (6) eligible_rewards (6) Apply Now on_provider_website
eligible_rewards (1) SingSaver Exclusive Offer offers Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$100) ; or Dyson Airstrait™ straightener (worth S$799) (Top up S$80) ; or Dyson Digital Slim Submarine™ (worth S$699) (Top up S$50) ; or Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) ; or Apple iPad (A16) 11" WiFi 128GB (worth S$499) ; or S$390 Cash via PayNow terms_and_conditions