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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

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

info

First Year Waived. Effective 1 January 2024, with the increase of the Goods and Services tax (“GST”) rate from 8% to 9%, fees will be revised to reflect the change in GST rate to 9%, as applicable.

4 Offers Available

Best Deal Guarantee

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

Valid until 14 December 2023

Dyson Supersonic™ hair dryer (worth S$699)

Best Deal Guarantee

Dyson Supersonic™ hair dryer (worth S$699)

Valid until 14 December 2023

Best Deal Guarantee

Dyson V8 Slim Fluffy (worth S$509)

Valid until 14 December 2023

Best Deal Guarantee

S$300 cash via PayNow

Valid until 14 December 2023

Things to consider for this product:

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No expiry air miles

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Airport lounge

check

Travel rebate

check

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

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

info

First Two Years Waived

4 Offers Available

Apple Bundle: AirPods Pro Gen 2 + AirTag (worth S$407.35)

Best Deal Guarantee

Apple Bundle: AirPods Pro Gen 2 + AirTag (worth S$407.35)

Valid until 07 January 2024

Nintendo Switch (Generation 2) (worth S$399)

Best Deal Guarantee

Nintendo Switch (Generation 2) (worth S$399)

Valid until 07 January 2024

Best Deal Guarantee

Xiaomi Robot Vacuum S10 (worth S$379)

Valid until 07 January 2024

Best Deal Guarantee

S$350 Cash via PayNow

Valid until 07 January 2024

Things to consider for this product:

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No rebate cap

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No monthly spend required

check

Annual Fee waiver

check

Installment

Apple Bundle: AirPods Pro Gen 2 + AirTag (worth S$407.35)

Nintendo Switch (Generation 2) (worth S$399)

Xiaomi Robot Vacuum S10 (worth S$379)

S$350 Cash via PayNow

FEATURED

OCBC 365 Credit Card

Cashback Petrol

6 %

info

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

info

First Two Years Waived

4 Offers Available

Best Deal Guarantee

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

Valid until 07 December 2023

Samsonite Volant Spinner 68/25 EXP + 2x Apple AirTag bundle (worth S$570)

Best Deal Guarantee

Samsonite Volant Spinner 68/25 EXP + 2x Apple AirTag bundle (worth S$570)

Valid until 07 December 2023

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

Best Deal Guarantee

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

Valid until 07 December 2023

Best Deal Guarantee

S$320 Cash via PayNow

Valid until 07 December 2023

Things to consider for this product:

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Petrol rebate

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Dining rebate

check

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.

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

Samsonite Volant Spinner 68/25 EXP + 2x Apple AirTag bundle (worth S$570)

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

S$320 Cash via PayNow

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

info

4 Offers Available

Best Deal Guarantee

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

Valid until 14 December 2023

Best Deal Guarantee

Dyson Supersonic™ hair dryer (worth S$699)

Valid until 14 December 2023

Best Deal Guarantee

Dyson V8 Slim Fluffy (worth S$509)

Valid until 14 December 2023

Best Deal Guarantee

S$300 cash via PayNow

Valid until 14 December 2023

Things to consider for this product:

check

No expiry air miles

check

Airport lounge

check

Travel rebate

check

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

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

info

First Two Years Waived

4 Offers Available

Best Deal Guarantee

Apple Bundle: AirPods Pro Gen 2 + AirTag (worth S$407.35)

Valid until 07 January 2024

Best Deal Guarantee

Nintendo Switch (Generation 2) (worth S$399)

Valid until 07 January 2024

Best Deal Guarantee

Xiaomi Robot Vacuum S10 (worth S$379)

Valid until 07 January 2024

Best Deal Guarantee

S$350 Cash via PayNow

Valid until 07 January 2024

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

Installment

Apple Bundle: AirPods Pro Gen 2 + AirTag (worth S$407.35)

Nintendo Switch (Generation 2) (worth S$399)

Xiaomi Robot Vacuum S10 (worth S$379)

S$350 Cash via PayNow

OCBC 365 Credit Card

Cashback Petrol

6 %

info

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 %

info

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

info

First Two Years Waived

4 Offers Available

Best Deal Guarantee

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

Valid until 07 December 2023

Best Deal Guarantee

Samsonite Volant Spinner 68/25 EXP + 2x Apple AirTag bundle (worth S$570)

Valid until 07 December 2023

Best Deal Guarantee

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

Valid until 07 December 2023

Best Deal Guarantee

S$320 Cash via PayNow

Valid until 07 December 2023

Things to consider for this product:

check

Petrol rebate

check

Dining rebate

check

Gift: Apple product

remove

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.

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

Samsonite Volant Spinner 68/25 EXP + 2x Apple AirTag bundle (worth S$570)

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

S$320 Cash via PayNow

HSBC Revolution Credit Card

Cashback Local

2.50 %

info

On online purchases and contactless payment.

Rewards Points Contactless Spend

10 point per dollar

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On contactless spend.

Rewards Points Online Shopping

10 point per dollar

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On online purchases (travel-related, offline retail, groceries, dining, food delivery, transport, and club memberships)

Annual Fee

No Annual Fee

4 Offers Available

Best Deal Guarantee

Dyson Supersonic™ hair dryer (worth S$699)

Valid until 08 December 2023

Best Deal Guarantee

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

Valid until 08 December 2023

Sony HT-AX7 Portable Theatre System (worth S$759)

Best Deal Guarantee

Sony HT-AX7 Portable Theatre System (worth S$759)

Valid until 08 December 2023

Best Deal Guarantee

S$350 Cash via PayNow

Valid until 08 December 2023

Things to consider for this product:

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Mobile contactless rebate

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Online shopping rebate

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Travel rebate

check

No Annual Fee

Dyson Supersonic™ hair dryer (worth S$699)

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

Sony HT-AX7 Portable Theatre System (worth S$759)

S$350 Cash via PayNow

Standard Chartered Smart Credit Card

Minimum Annual Income

S$ 30,000

Annual Fee

No Annual Fee

Cashback Transport

6 %

info

Bus and MRT only.

Monthly Spend Required

None

3 Offers Available

Apple AirPods Gen 3 + MagSafe Charger Bundle (worth S$330.50)

Best Deal Guarantee

Apple AirPods Gen 3 + MagSafe Charger Bundle (worth S$330.50)

Valid until 07 January 2024

Fujifilm Instax Mini Evo Camera + Instax Mini Film (Rainbow) bundle (worth S$324)

Best Deal Guarantee

Fujifilm Instax Mini Evo Camera + Instax Mini Film (Rainbow) bundle (worth S$324)

Valid until 07 January 2024

Best Deal Guarantee

S$280 cash via PayNow

Valid until 07 January 2024

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

CIMB Visa Signature Card

Cashback Travel

10 %

info

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

Cashback Overseas

0.20 %

info

Unlimited 0.2% cashback on all other spends.

Minimum Annual Income

S$ 30,000

Annual Fee

No Annual Fee

info

For all Principal and Supplementary cards.

Offer Available

Best Deal Guarantee

S$250 cash via PayNow

Valid until 07 January 2024

Things to consider for this product:

check

Online shopping rebate

check

Supermarket rebate

check

Annual Fee waiver

remove

Rebate cap applied

Citi Cash Back+ Card

Min. Annual Income

S$ 30,000

Annual Fee

S$ 194.40

info

Cashback Base Rate

1.60 %

info

On all spends

Monthly Spend Required

None

4 Offers Available

Best Deal Guarantee

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

Valid until 14 December 2023

Best Deal Guarantee

Dyson Supersonic™ hair dryer (worth S$699)

Valid until 14 December 2023

Best Deal Guarantee

Dyson V8 Slim Fluffy (worth S$509)

Valid until 14 December 2023

Best Deal Guarantee

S$300 cash via PayNow

Valid until 14 December 2023

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

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

OCBC INFINITY Cashback Credit Card

Cashback Base Rate

1.60 %

info

On all spends

Monthly Spend Required

S$ 0

info

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

Min. Annual Income

S$ 30,000

info

S$30,000 and above per annum (Singaporean & PR) S$45,000 and above per annum (Foreigner).

Annual Fee

S$ 194.40

info

First Year Waived. Waiver will be granted in subsequent years with a minimum spend of S$10,000 in one year.

5 Offers Available

Best Deal Guarantee

Apple AirPods Gen 3 + MagSafe Charger Bundle (worth S$330.50)

Valid until 07 December 2023

Best Deal Guarantee

Samsonite Volant Spinner 68/25 EXP + 2x Apple AirTag bundle (worth S$570)

Valid until 07 December 2023

Best Deal Guarantee

S$300 eCapitaVoucher

Valid until 07 December 2023

Best Deal Guarantee

S$280 cash via PayNow

Valid until 07 December 2023

Welcome Offer

Bonus 0.2% cashback

Valid until 31 December 2023

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual fee waiver

Apple AirPods Gen 3 + MagSafe Charger Bundle (worth S$330.50)

Samsonite Volant Spinner 68/25 EXP + 2x Apple AirTag bundle (worth S$570)

S$300 eCapitaVoucher

S$280 cash via PayNow

Bonus 0.2% cashback

Maybank Horizon Visa Signature Card

Airmiles Dining

1.20 miles per dollar

Airmiles Transport

2.80 miles per dollar

info

For Taxi and ContactlessBus/Train rides.

Airmiles Petrol

2.80 miles per dollar

Annual Fee Waiver

3 years

5 Offers Available

Best Deal Guarantee

S$60 Cash via PayNow

Valid until 20 December 2023

Apple AirPods 3rd Gen with Lightning charging case (worth S$261.40)

Best Deal Guarantee

Apple AirPods 3rd Gen with Lightning charging case (worth S$261.40)

Valid until 31 December 2023

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

Best Deal Guarantee

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

Valid until 31 December 2023

Best Deal Guarantee

S$200 cashback

Valid until 31 December 2023

Best Deal Guarantee

10,000 KrisFlyer miles

Valid until 31 December 2023

Things to consider for this product:

check

Dining rebate

check

Petrol rebate

check

Public transportation

remove

Rebate cap applied

All Type

Find The Best Credit Cards in Singapore 2023

Citi PremierMiles Card

4 Offers Available

Things to consider for this product:

Quick Facts

Standard Chartered Simply Cash Credit Card

4 Offers Available

Things to consider for this product:

Quick Facts

OCBC 365 Credit Card

4 Offers Available

Things to consider for this product:

Quick Facts

Citi PremierMiles Card

4 Offers Available

Things to consider for this product:

Quick Facts

Standard Chartered Simply Cash Credit Card

4 Offers Available

Things to consider for this product:

Quick Facts

OCBC 365 Credit Card

4 Offers Available

Things to consider for this product:

Quick Facts

HSBC Revolution Credit Card

4 Offers Available

Things to consider for this product:

Quick Facts

Standard Chartered Smart Credit Card

3 Offers Available

Things to consider for this product:

Quick Facts

CIMB Visa Signature Card

Offer Available

Things to consider for this product:

Quick Facts

Citi Cash Back+ Card

4 Offers Available

Things to consider for this product:

Quick Facts

OCBC INFINITY Cashback Credit Card

5 Offers Available

Things to consider for this product:

Quick Facts

Maybank Horizon Visa Signature Card

5 Offers Available

Things to consider for this product:

Quick Facts