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Best Credit Cards in Singapore (2021)

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Citi Cash Back+ Mastercard®

Citi Cash Back+ Mastercard®

SingSaver's Exclusive Offer
Citi Cash Back+ Mastercard®
No Minimum
Monthly Spend Required
1.6%
Cashbackno minimum spend
No Cap
Monthly Cashback Cap
SingSaver's Exclusive Offer:
Get a Dyson AM07 Tower Fan (worth S$499) or a set of Bose QuietComfort Earbuds (worth S$399) or S$350 cash when you make a min. spend of S$200 within 30 days of card approval. Valid till 27 Jun 2021. T&Cs apply.
Standard Chartered Unlimited Credit Card

Standard Chartered Unlimited Credit Card

SingSaver's Exclusive Offer
Standard Chartered Unlimited Credit Card
No Minimum
Monthly Spend Required
3%
Cashbackwith the Unlimited$aver account
With the Unlimited$aver account
1.5%
Cashback
On all spends
SingSaver's Exclusive Offer:
Receive Apple Airpods Pro (worth S$379), or Apple TV (worth S$299) or S$300 cash when you make a min. spend of S$300 within 30 days of card approval. Valid till 22 Jun 2021. T&Cs apply.
Standard Chartered Unlimited Credit Card & Credit Card Funds Transfer

Standard Chartered Unlimited Credit Card & Credit Card Funds Transfer

Popular
Standard Chartered Unlimited Credit Card & Credit Card Funds Transfer
S$30,000
Min. Annual Income
3%
Cashbackwith the Unlimited$aver account
1.5%
Cashback
American Express True Cashback Card

American Express True Cashback Card

SingSaver's Exclusive Offer
American Express True Cashback Card
S$30,000
Min. Annual Income
1.5%
Cashback on diningon local dining
3% on the first S$5000 spend in the first 6 months. 1.5% on all spend. No cashback cap. No min. spend required.
3%
Cashbackup to S$5,000 spend for first 6 months
3% on the first S$5000 spend in the first 6 months. 1.5% on all spend. No cashback cap. No min. spend required.
SingSaver's Exclusive Offer:
Snag a set of Sony WH-H910N Wireless Noise Cancelling Headphones (worth S$399) or S$160 cash when you make a min. spend of S$500 within 30 days of card approval. Valid till 30 Jun 2021. T&Cs apply.

Receive a S$20 Dairy Farm Group voucher when you apply via SingPass MyInfo and make one spend. Valid till 30 Jun 2021. T&Cs apply.
Citi SMRT Card

Citi SMRT Card

SingSaver's Exclusive Offer
Citi SMRT Card
S$30,000
Min. Annual Income
5%
Cashback on groceriesat FairPrice, Giant, and Sheng Siong
With a min. total spend of S$500 per statement month
5%
Cashbackfor online purchases, excluding travel-related transactions
With a min. total spend of S$500 per statement month
SingSaver's Exclusive Offer:
Score an Oppo Reno5 Z (worth S$529) or S$350 via PayNow when you make a min. spend of S$200 within 30 days of card approval. Valid till 31 Aug 2021. T&Cs apply.
American Express Singapore Airlines KrisFlyer Credit Card

American Express Singapore Airlines KrisFlyer Credit Card

SingSaver's Exclusive Offer
American Express Singapore Airlines KrisFlyer Credit Card
No Fee
Air Miles Conversion Fee
1.1Miles Per Dollar
Local Spending
2Miles Per Dollar
Overseas Spending
SingSaver's Exclusive Offer:
Snag a set of Sony WH-H910N Wireless Noise Cancelling Headphones (worth S$399) or S$180 cash when you make a min. spend of S$500 within 30 days of card approval. Valid till 30 Jun 2021. T&Cs apply.

Score 5,000 KrisFlyer miles when you make a min. spend of S$3,000 within the first 3 months of card approval. Valid till 30 Jun 2021. T&Cs apply.

Receive a S$20 Dairy Farm Group voucher when you apply via SingPass MyInfo and make one spend. Valid till 30 Jun 2021. T&Cs apply.
Citi PremierMiles Card

Citi PremierMiles Card

SingSaver's Exclusive Offer
Citi PremierMiles Card
S$25
Air Miles Conversion Fee
1.2Miles Per Dollar
Local Spending
2Miles Per Dollar
Overseas Spending
SingSaver's Exclusive Offer:
Get a Dyson AM07 Tower Fan (worth S$499) or a set of Bose QuietComfort Earbuds (worth S$399) or S$350 cash when you make a min. spend of S$200 within 30 days of card approval. Valid till 27 Jun 2021. T&Cs apply.
Standard Chartered Rewards+ Credit Card

Standard Chartered Rewards+ Credit Card

SingSaver's Exclusive Offer
Standard Chartered Rewards+ Credit Card
S$30,000
Min. Annual Income
4Miles Per Dollar
Overseas Spending
If you hold a Standard Chartered X Credit Card
3.13%
Cashback Retailon online spends in foreign currency
Based on conversion rate of 32,000 points = $100 cash rebate
SingSaver's Exclusive Offer:
Receive Apple Airpods Pro (worth S$379), or Apple TV (worth S$299) or S$300 cash when you make a min. spend of S$300 within 30 days of card approval. Valid till 22 Jun 2021. T&Cs apply.
Citi Prestige Card

Citi Prestige Card

SingSaver's Exclusive Offer
Citi Prestige Card
S$120,000
Min. Annual Income
1.3Miles Per Dollar
Local Spendingon local spending
2Miles Per Dollar
Overseas Spendingon overseas spending
SingSaver's Exclusive Offer:
Get a Dyson AM07 Tower Fan (worth S$499) or a set of Bose QuietComfort Earbuds (worth S$399) or S$350 cash when you make a min. spend of S$200 within 30 days of card approval. Valid till 27 Jun 2021. T&Cs apply.
UOB Absolute Cashback Card

UOB Absolute Cashback Card

Welcome Gift
UOB Absolute Cashback Card
S$30,000
Min. Annual Income
1.7%
Cashbackno min. spend and no spend exclusions
No cashback cap or min. spend required
1.7%
Cashbackapplicable to insurance premiums, school fees, apartment rental, and more
Welcome Gift:
Enjoy a bonus 3.3% cashback on your first spend of S$3,000. Valid till 31 Jul 2021. T&Cs apply.

What type of credit card should I get?
There are three main types of credit cards: cashback, miles and rewards. You can read our breakdown of cashback vs miles vs rewards to find out which is best suited for your lifestyle.

What should I look out for when choosing a credit card?
Besides considering the type of credit card to go for, also consider:

  • Additional perks for spending on specific categories
  • Min. monthly spend required
  • Annual fee
  • Ongoing promotions

How much must I earn to get a credit card?
Most credit cards require you to earn a minimum annual income of S$30,000 for Singaporeans and Permanent Residents or S$40,000 for foreigners. Some exclusive credit cards require a minimum annual income of S$80,000 or more. Do prepare proof of income during your application.

How many credit cards can I have?
There isn’t any limit legislated, but bear in mind that the more credit cards you own, the more bills you have to keep track of and pay. Missing credit card payments may result in adverse effects on your credit score and high interest charges (about 25% p.a.) which can easily snowball.

Need some help?
No worries, we've got you covered!
How do credit cards work?

Credit cards allow you to spend on your purchases today and make payment in the future, when it’s time to settle your monthly bill. If you miss the monthly payment, you will be charged a hefty interest rate of around 25% p.a.

The main draw about credit cards is that they help ease cash flow – you don’t have to suffer an immediate outflow of money as you’re spending ‘future money’. Besides being able to spend before you receive your pay, credit cards also reward you for your spending in the form of cashback, miles or reward points.


How do I apply for a credit card?

You can apply for a credit card online or using physical forms available at banks. Fill up the personal details required, submit the relevant documents (such as your NRIC and payslip or latest CPF statements), and wait for the application to be approved.

Most banks also offer the option of applying via MyInfo using SingPass. Applying via MyInfo speeds up the application process as most of the information required would have been pre-filled in for you. Sometimes, there are promos where you get rewarded cash gifts by applying with MyInfo.


What’s the difference between debit cards and credit cards?

When using a debit card, the money you spend is immediately deducted from the bank account linked to the debit card. You cannot spend more than the amount you currently have in your account.

On the other hand, credit cards allow you to spend on credit. This means that you do not actually make the payment for the purchase until you receive your credit card statement at the end of the statement or calendar month.


What are the different types of credit cards available?

There are three main types of credit cards: cashback, miles and rewards cards. The credit card you choose would depend on your spending habits and personal preference. You can read this article to find out which of the three types is best for you.

If you are looking for a credit card for a specific spending type, you can check out these articles to find the best credit cards for:

What is the difference between Visa Card, Mastercard and American Express?

Visa, Mastercard and American Express are different credit card payment networks. Most credit card providers offer one or two of the card networks for their credit cards. For example, for DBS Altitude, you can get either the DBS Altitude Visa Signature or DBS Altitude American Express. UOB PRVI on the other hand, offers all three options — UOB PRVI Miles Visa UOB PRVI Miles Mastercard and UOB PRVI Miles American Express.

From a cardmember’s standpoint, the payment in general does not differ, although there are a handful of places that might not accept American Express cards. The perks offered by these card providers do make a difference, in terms of dining promotions, airport transfers, lounge access, hotel benefits and more.


What are the fees involved when using a credit card?

The most common fee you’ll incur with a credit card is the annual fee. This annual fee typically falls just under S$200 each year, although it differs from card to card. If you’re not keen on paying this annual fee, you’ll be glad to know that some credit cards come with a free annual fee waiver, while others waive your annual fee when you spend a certain amount each year.

Other credit card fees include:

  • Late payment charge: Incurred if your payment is not received by due date
  • Overlimit fee: If the total outstanding card balance exceeds the total credit limit at any time
  • Interest on purchases: Interest incurred on the outstanding amount if there is an amount that remains unpaid, until outstanding is paid in full. This can range from 25% to 28% p.a.
What is the minimum balance payment for credit cards?

There is a minimum monthly payment you have to make for your credit card bill. This is the amount you would have to pay in the event you are unable to pay your credit card bill. The minimum monthly payment is typically 3% of the total balance or S$50, whichever is higher. But note that the outstanding balance would incur interest charges that are applicable on a daily basis until the full payment is received.

How to avoid or prevent credit card fraud?

To avoid credit card fraud, you can set up Two-Factor Authentication (2FA) for all your bank accounts. You should be mindful to keep your passwords, PIN code and One-Time Password (OTP) to yourself. During correspondences with your bank or credit card provider, always check the source of the message or email to ensure it is genuine.


You can also read this article to get tips on how to prevent cyber attacks and safeguard your money.

What credit card promotions are there?

If you’ve decided on the credit card to apply for, you can check out the promotions available on SingSaver. These promotions are a further incentive for you to sign up for the credit card, with rewards that range from cash via PayNow to free gifts such as wireless earbuds or GrabFood vouchers.

Here’s what you should look out for when signing up for a credit card promotion:

  • Do you have to be new-to-bank to enjoy the promotion? Most credit card sign up promotions are applicable for new-to-bank cardmembers. If you are an existing cardmember of the bank, you will likely be eligible for a different reward. This reward is typically not as attractive as the reward on offer for new-to-bank cardmembers.
  • What do you need to do to get the sign up reward? This could simply be having your credit card application approved, or having to activate your new credit card. Others could require you to make a transaction or hit a minimum spend in order to be eligible.

When does the promotion expire? Be sure to sign up for the credit card before the promotion deadline.

Confused about credit card terms?

Glossary terms to know for first-time credit card users

SingSaver

© 2015 - 2021 SingSaver PTE LTD. All rights reserved. This online platform is operated by SingSaver Pte. Ltd. and by continuing to use www.singsaver.com.sg (the “SingSaver Website”) or by carrying out a transaction on the SingSaver Website, users are deemed to have agreed with the Terms and Conditions and Privacy Policy of the SingSaver Website. All insurance product-related transactions on the SingSaver Website are arranged and administered by SingSaver Insurance Brokers Pte. Ltd., a wholly owned subsidiary of SingSaver Pte. Ltd. SingSaver Insurance Brokers Pte. Ltd. is a licensed and authorised broker regulated by the Monetary Authority of Singapore (“MAS”). SingSaver Pte. Ltd. (which administers all other financial products on the SingSaver Website) is not regulated by MAS. SingSaver is located at 89 Neil Road, #03-01, Singapore 088849.

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