Find The Best Credit Cards in Singapore 2026
Updated: 1 Oct 2026
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.
Product Name | 🔥 Hot Reward Pick | Card Benefits | Min. Annual Income | Annual Fee | ||
|---|---|---|---|---|---|---|
 | HSBC Revolution Credit Card | 0.4 - 4 | S$65,000 | No Annual Fee | ||
 | Citi PremierMiles Card | 1.2 - 10 | S$30,000 | S$196.20 | ||
 | OCBC INFINITY Cashback Credit Card | 1.6 % | S$30,000 | S$196.20 | ||
 | Citi Cash Back+ Card | 1.6 % | S$30,000 | S$196.20 | ||
 | OCBC 365 Credit Card | 0.25 - 6 % | S$30,000 | S$196.20 | ||
 | HSBC Live+ Credit Card | 0.3 - 8 % | S$65,000 | S$196.20 | ||
 | UOB One Card | 3.33 - 10 % | S$30,000 | S$196.20 | ||
 | OCBC Rewards Credit Card | 1 - 15 | S$30,000 | S$196.20 | ||
 | Citi Rewards Card | 1 - 10 | S$30,000 | S$196.20 | ||
 | UOB Lady's Card | S$400 Cash via PayNow | 0.4 - 10 | S$30,000 | S$196.20 | |
 | Standard Chartered Simply Cash Credit Card | - | 1.5 % | S$30,000 | S$196.20 | |
 | HSBC TravelOne Credit Card | 1.2 - 2.4 | S$65,000 | S$196.20 | ||
 | CIMB World Mastercard | 1 - 2 % | S$30,000 | No Annual Fee | ||
 | DBS yuu Visa Card | 0.5 - 18 % | S$30,000 | S$196.20 | ||
 | Standard Chartered Journey Credit Card (Annual Fee Paying) | - | 1.2 - 3 | S$30,000 | S$196.20 | |
 | HSBC Advance Credit Card | 28,000 Max Miles by HeyMax (worth S$504) | 1.5 - 2.5 % | S$65,000 | S$196.20 | |
 | UOB EVOL Card | 0.3 - 10 % | S$30,000 | S$0 | ||
 | UOB Absolute Cashback Card | Up to 1.7 % | S$30,000 | S$196.20 | ||
 | Trust Freedom Card | 0.5 - 15 % | S$30,000 | None | ||
 | Trust Link / NTUC Link Credit Card | - | 0.22 - 21 % | S$30,000 | None | |
 | DCS Flex Visa Platinum Card | 0.4 - 2.4 | S$30,000 | S$130.8 | ||
 | DCS Ultimate Platinum UnionPay Card | 2 % | S$30,000 | S$196.20 | ||
 | DCS Ultimate Platinum Mastercard | 2 - 4 % | S$30,000 | S$196.20 | ||
 | KrisFlyer UOB Credit Card | 1.2 - 3 | S$30,000 | S$196.20 | ||
 | Citi Cash Back Card | 0.2 - 8 % | S$30,000 | S$196.20 | ||
 | CIMB Visa Signature Card | 0.2 - 10 % | S$30,000 | No Annual Fee | ||
 | CIMB Visa Infinite Card | Unlimited 1 - 3 % | S$120,000 | No Annual Fee | ||
 | American Express True Cashback Card | - | 1.5 - 3 % | Conditional | S$174.40 | |
 | DBS Altitude American Express Card | 1.3 - 2.2 | S$30,000 | S$196.20 | ||
 | DBS Altitude Visa Signature Card | 1.3 - 2.2 | S$30,000 | S$196.20 | ||
 | UOB PRVI Miles World MasterCard | 1.4 - 8 | S$30,000 | S$261.60 | ||
 | UOB PRVI Miles American Express Card | 1.4 - 8 | S$30,000 | S$261.60 | ||
 | UOB PRVI Miles Visa Card | 1.4 - 8 | S$30,000 | S$261.60 | ||
 | Singtel-UOB Card | - | 0.3 - 12 % | S$30,000 | S$196.20 | |
 | UOB Visa Signature Card | 0.4 - 4 miles per dollar | S$30,000 | S$218.00 | ||
 | Maybank XL Cashback Card | - | 0.2 - 5 % | S$30,000 | S$87.20 | |
 | Maybank XL Rewards Card | - | 0.2 - 5 % | S$30,000 | S$87.20 | |
 | American Express Platinum Card | - | 2 - 20 | Conditional | S$1,744 | |
 | American Express Singapore Airlines KrisFlyer Ascend Credit Card | - | 1.2 - 2 | Conditional | S$397.85 | |
 | Citi SMRT Card | 0.3 - 5 % | S$30,000 | S$196.20 | ||
 | Citi M1 Platinum Visa Card | 0.3 - 10 % | S$30,000 | S$196.20 | ||
 | POSB Everyday Card | 0.3 - 10 % | S$30,000 | S$196.20 | ||
 | OCBC 90°N Mastercard | 1.3 - 7 | S$30,000 | S$196.20 | ||
 | OCBC 90°N Visa Card | 1.3 - 7 | S$30,000 | S$196.20 | ||
 | American Express Platinum Credit Card | - | 2 - 10 | Conditional | S$327 | |
 | American Express Singapore Airlines Business Credit Card | - | 1.2 - 8 HighFlyer points | Conditional | S$400 | |
 | DBS yuu American Express Card | 0.5 - 18 % | S$30,000 | S$196.20 | ||
 | DBS Vantage Visa Infinite Card | - | 1.5 - 2.2 | S$120,000 | S$599.50 | |
 | Citi Prestige Card | - | 3.25 - 5 | S$120,000 | S$651.82 | |
 | Standard Chartered Smart Credit Card | - | 0.5 - 10 % | S$30,000 | No Annual Fee | |
 | Standard Chartered Rewards+ Credit Card | - | 1 - 10 | S$30,000 | S$196.20 | |
 | DBS Live Fresh Card | - | 0.3 - 9.25 % | S$30,000 | S$196.20 | |
 | Standard Chartered Visa Infinite Credit Card | - | 1 - 3 | S$150,000 | S$599.50 | |
 | DCS DON DON DONKI Card | - | 5 % | S$30,000 | S$196.20 | |
 | DBS Takashimaya Visa Card | - | 0.17 - 5 % | S$30,000 | S$196.20 | |
 | DBS Takashimaya American Express Card | - | 0.17 - 6 % | S$30,000 | S$196.20 | |
 | DBS Esso Card | - | 21.6 % | S$30,000 | S$196.20 | |
 | DCS CASHBACK Card | - | 5 % | S$30,000 | S$196.20 | |
 | DBS Woman's Card | - | 1 - 5 DBS | S$30,000 | S$163.50 | |
 | DBS Woman's World Card | - | 1 - 10 DBS | S$80,000 | S$196.20 | |
 | DBS Live Fresh Student Card | - | 0.3 - 10 % | None | S$196.20 | |
 | UOB Lady's Solitaire Card | - | 0.4 - 4 miles per dollar | S$120,000 | S$414.20 | |
 | OCBC NXT Credit Card | - | 0.5 - 1 % | S$30,000 | S$163.50 | |
 | OCBC Frank Card | - | 0.3 - 10 % | S$30,000 | S$196.20 | |
 | Maybank Family & Friends Card | - | 0.22 - 8 % | S$30,000 | S$196.20 | |
 | Maybank World Mastercard | - | 0.4 - 4 | S$80,000 | S$261.60 | |
 | Maybank Manchester United Platinum Visa Credit Card | - | 3 % | S$30,000 | S$87.20 | |
 | Maybank FC Barcelona Visa Signature Card | - | 1.6 % | S$30,000 | S$130.80 | |
 | Maybank Platinum Visa Card | - | 3.33 % | S$30,000 | S$20 | |
 | Maybank Horizon Visa Signature Card | - | 0.4 - 2.8 | S$30,000 | S$196.20 | |
 | Citi Clear Card | - | 1 | S$0 | S$30.52 | |
 | BOC Visa Infinite Card | - | 1.6 - 3 % | S$72,000 | S$381.50 | |
 | BOC NVMO Card | - | 0.3 - 10 % | S$30,000 | S$207.10 | |
 | BOC Elite Miles World Mastercard | - | 1.4 - 2.8 miles per dollar | S$30,000 | S$207.10 | |
 | BOC Zaobao Credit Card | - | 1.5 - 10 % | S$30,000 | S$205.20 | |
 | BOC Sheng Siong Card | - | 0.3 - 12 % | S$30,000 | S$32.10 | |
 | UOB Visa Infinite Metal Card | - | 1.4 - 2.4 | S$120,000 | S$654.00 | |
 | UOB UnionPay Platinum Card | - | 2 % | S$30,000 | S$196.20 | |
 | UOB Preferred Visa Card | - | 0.4 - 4 | S$30,000 | S$196.20 |
HSBC Revolution Credit Card
rating
3.4/ 5
Rewards Points (Online Shopping)
10 points / dollarRewards Points (Baseline)
1 point / dollarAirmiles (Online Shopping)
4 miles / dollarRewards Points Cap
13,500 bonus pointsApply through SingSaver and choose from 11 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.
- 10X Points (equivalent to 4 mpd) on online and contactless spending, capped at 13,500 bonus points per month. Keep earning beyond 31 March 2026.
- 20X Points (equivalent to 8 mpd) on online and contactless spending for cardholders who maintain at least S$50,000 average daily balance in their HSBC EGA (SGD Account)
- 1X reward point for all other spending.
- No minimum spend required.
- No annual fee.
- Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
- Eligible categories: Online payment; shopping; groceries; dining; food delivery; ride-hailing apps.
- Up to 16% and 14% off petrol at Caltex and Shell respectively.
- Instant reward redemption for airline miles and hotel points, refer to www.hsbc.com.sg/rewards for details.
- Up to S$300,000 complimentary travel insurance for cardholder and family when travel tickets are charged to card.
- Compatible with Apple Pay, Google Pay, and Visa PayWave.
- Can convert between cashback, miles, or reward points flexibly.
- Great for individuals who prefer flexibility to redeem Reward points to categories such as miles, cashback & more
- Read our review of the HSBC Revolution Credit Card.
- Online shopping rebate
- Travel rebate
- No Annual Fee
- Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus points.
- Cap of 13,500 bonus reward points per calendar month on eligible purchases. Original cap at 9,000 reward points.
- 1X reward point earned on public transport (via SimplyGo) only.
- HSBC reward points expire after 37 months.
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
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: No Annual Fee
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$40
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$0
Minimum Annual Income: S$65,000
Minimum Age: 21 years old
Airmiles (Local)
1.2 miles / dollarAirmiles (Overseas)
2.2 miles / dollarAirmiles (Travel)
Up to 10 miles / dollarAirport Lounge Access
2 visits per year*Apply through SingSaver and choose from 13 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.
- Citi PayAll lets you earn Citi Miles or Citi ThankYou℠ Points on major payments such as insurance premiums, taxes, renovation expenses, wedding payments and more, even where credit cards may not typically be accepted.
- [Limited Time Promotion] Enjoy up to 0.6% Bonus Cash Rebate on eligible Citi PayAll fee-paying transactions with a minimum qualifying spend of S$6,000 from 1 September to 31 December 2026. For more details, visit the Citi PayAll website. T&Cs apply.
- 2 free airport lounge visits per year to participating 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.
- No expiry air miles
- Airport lounge
- Travel rebate
- Gift: Apple product
- 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
Cashback
1.6 %Cashback Bonus Cap
No capMonthly Spend Required
NoneAnnual Fee Waiver
1 yearApply through SingSaver and choose from 11 premium rewards
- 1.6% unlimited cashback on all eligible spending with no min. spend and no cap
- Cashback automatically credited to cardholder's OCBC INFINITY Account
- 1 year annual fee waiver
- Read our review of the OCBC INFINITY Cashback Card.
- No rebate cap
- No monthly spend required
- Annual fee waiver
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.78 %
Interest on Cash Advance: 28.92 %
Interest Free Period: 23 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
Cashback
1.6 %Cashback Bonus Cap
No capMonthly Spend Required
NoneApply through SingSaver and choose from 13 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.
- With Citi PayLite® Bundle Program, you can pay off your retail purchases in 3-month instalment payments at no processing fees. Terms and Conditions apply.
- No rebate cap
- No monthly spend required
- Annual Fee waiver
- High-value gift
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$30,000
Minimum Age: 21 years old
Cashback (Petrol)
6 %Cashback (Dining)
5 %Cashback (Baseline)
0.25 %Monthly Spend Required
S$ S$
800Apply through SingSaver and choose from 11 premium rewards
- 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.
- 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.
- 2-year annual fee waiver.
- Earn up to 4.65% p.a. interest on first S$100,000 of OCBC 365 Account balance.
- Great for homemakers, working adults, cashback lovers, enjoy flexibility over min. spend (S$800 or S$1,600), drive frequently
- Read our full review of the OCBC 365 Credit Card .
- Petrol rebate
- Dining rebate
- High min. spend of either S$800 or S$1,600 per calendar month
- 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.
- Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus cashback.
- Interest on outstanding balance increased from 26.88% p.a. to 27.78% p.a.
- Monthly spend required
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Cash Advance: 28.92 %
Interest Free Period: 23 days
Interest on Purchase: 27.78 %
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
Cashback (Bonus)
5 - 8%Cashback (Baseline)
0.3 %Monthly Spend Required
S$600 - S$1000Cashback Bonus Cap
S$ S$
250 / quarterApply through SingSaver and choose from 11 premium rewards
- 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.
- Dining rebate
- Entertainment rebate
- Petrol rebate
- 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.
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
- Rebate cap applied
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: S$65,000
Minimum Age: 21 years old
Cashback (Local)
Up to 10 %Monthly Spend Required
Tiered S$ 600 +Cashback Bonus Cap
S$ S$
200 / quarterAnnual Fee
S$ S$
196.20Apply through SingSaver and choose from 4 premium rewards
- Up to 10% cashback on daily spend at McDonald's, Grab, SimplyGo (bus/train rides) and Shopee.
- Up to 8% cashback on all grocery spend, locally and overseas.
- Up to 4.33% on SP utilities bill.
- Up to 3.33% cashback on all retail spend.
- Petrol savings of up to 22.66% at Shell and SPC.
- Greater savings with up to 3.4% p.a. interest with UOB One Account+.
- Supermarket rebate
- Grab/taxi rebate
- Spend at least $600 monthly based on your qualifying quarter to enjoy up to 10% cashback.
- Awarding of cash rebate only comes every quarter.
- Qualifying monthly spend for cash rebate has to be spread out across min. 10 different purchases.
- Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.
- Monthly spend required
- Rebate cap applied
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 21 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: Tiered S$600 +
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Rewards Points (Online Shopping)
15 OCBC$ / dollarRewards Points (Contactless Spend)
10 OCBC$ / dollarRewards Points (Baseline)
1 OCBC$ / dollarRewards Bonus Cap
10,000 OCBC$Apply through SingSaver and choose from 11 premium rewards
- Earn 15 OCBC$ (equivalent to 6 miles) per S$1 spent at Watsons and online shopping platforms (Lazada, Shopee, Taobao and TikTok Shop).
- Earn 1X OCBC$ (or 0.4 miles) on all other spends, including public transport rides.
- Enjoy complimentary e-commerce protection on all your online purchases made with this card.
- Get fast approval and use your digital card instantly when you apply via MyInfo.
- Read our full review of the OCBC Rewards Card.
- Retail rebate
- Online shopping rebate
- Gift: Apple product
- No monthly spend required
- 15 OCBC$ per S$1 earn rate is capped at 10,000 bonus OCBC$ cap per month.
- OCBC$ awarded in blocks of S$5 charged per transaction.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.78 %
Interest on Cash Advance: 28.92 %
Interest Free Period: 23 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
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Citi Rewards Card
rating
4.4/ 5
Rewards Points (Shopping)
Up to 10 points / dollarRewards Points (Baseline)
1 point / dollarRewards Points Cap
9,000 ThankYou Points / monthComplimentary Travel Insurance
Up to S$1,000,000Apply through SingSaver and choose from 13 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.
- Citi PayAll lets you earn Citi Miles or Citi ThankYou™ Points on major payments such as insurance premiums, taxes, renovation expenses, wedding payments and more, even where credit cards may not typically be accepted.
- [Limited Time Promotion] Enjoy up to 0.6% Bonus Cash Rebate on eligible Citi PayAll fee-paying transactions with a minimum qualifying spend of S$6,000 from 1 September to 31 December 2026. For more details, visit the Citi PayAll website. T&Cs apply.
- No cap on base rewards points.
- Pair with amaze card to turn offline transactions into online transactions.
- Rewards points conversion rate: 440 Points = S$1
- Rewards points are rounded down to the nearest 10 points on all purchases.
- 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 air miles
- Travel insurance
- Annual Fee waiver
- High-value gift
- 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$30,000
Minimum Age: 21 years old
UOB Lady's Card
rating
3.4/ 5
Airmiles (Local)
Up to 10 miles per dollarAirmiles Bonus Cap
S$ S$
1,000Min. Annual Income
S$ S$
30,000Apply through SingSaver and choose from 4 premium rewards
- Pick from 7 rewards categories to earn up to 25X UNI$ for every S$5 spend (10 miles per S$1)
- Spend on UOB Lady's Credit Card to earn 10X UNI$ (4 miles per S$1) and enjoy additional up to 15X UNI$ (6 miles per S$1) when you pair your UOB Lady's Credit Card with UOB Lady's Savings Account
- LuxePay: Enjoy 0% 6 or 12-month instalment plan when you purchase your favorite luxury apparels.
- Complimentary e-Commerce protection on your online purchases.
- Enjoy UOB$ rebate on your daily essentials, entertainment and shopping.
- Local & Overseas spending rewards
- Installment
- No monthly spend required
- You can only choose 1 rewards category out of 7 to earn up to 25X UNI$ (10 miles per S$1). Feel free to change your category every quarter.
- You must save with UOB Lady’s Savings Account to unlock up to additional 15X UNI$ (6 miles per S$1) earn rate on your preferred rewards category.
- Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.
- Monthly rewards cap applies.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 21 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$27
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: -
Min. Annual Income: S$30,000
Minimum Age: 21 years old
Cashback
1.5 %Cashback Cap
No capMonthly Spend Required
NoneAnnual Fee Waiver
1 year- 1.5% unlimited cashback rate with no min. spend.
- Enjoy offers and privileges for online, dining, retail and more with The Good Life®.
- SC Shop and Earn - Enjoy up to 23% Cashback when you shop at your favourite brands – Decathlon, Nike, Zalora and many more. Unlock one of the highest Cashback as a Priority client. Log on to SC Shop and Earn via SC Mobile to start shopping.
- First year annual fee waiver.
- 1.5% unlimited cashback
- No rebate cap
- No monthly spend required
- 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
Airmiles (Local)
1.2 miles / dollarAirmiles (Overseas)
2.4 miles / dollarAirport Lounge Access
4 visits per year*Apply through SingSaver and choose from 11 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.
- Unlimited air miles
- Airport lounge
- Travel insurance
- Bonus air miles
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
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: S$65,000
Minimum Age: 21 years old
CIMB World Mastercard
rating
4.1/ 5
Cashback (Local)
2 %Cashback (Baseline)
1 %Cashback Bonus Cap
No capMonthly Spend Required
S$ S$
1,000Apply through SingSaver and choose from 1 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Unlimited 2% cashback on dining, movies & digital entertainment, taxi, ride-hailing, automobile, and luxury goods.
- Unlimited 1% on all other eligible spend with no minimum spend.
- Enjoy 50% off green fees at 25 golf courses.
- Access to over 1,000 LoungeKey airport lounges globally.
- Can be used for bus and train rides with SimplyGo.
- No annual fees for life + up to 4 supplementary cards with no annual fees.
- No rebate cap
- Food delivery
- Annual Fee waiver
- Only Singapore citizens and Permanent Residents may apply.
- Minimum annual income requirement: S$30,000.
- Minimum spend of S$1,000 required for 2% cashback earn rate.
- Minimum spend of S$500 required for 1% cashback earn rate.
- Monthly spend required
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest Free Period: 23 Days
Interest on Cash Advance: 28 %
Fees
Annual Fee: No Annual Fee
Foreign Currency Transaction Fee: 3 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$1,000
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
DBS yuu Visa Card
Promo_Code:
SINGSAVER
Cashback (Department Store)
Up to 18 %Rewards Points (Local)
Up to 36 yuu Points / dollarRewards Bonus Cap
28,800 yuu Points / monthAirmiles (Local)
Up to 10 miles / dollarApply through SingSaver and choose from 11 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Up to 36X yuu Points (equivalent to 18% cashback) on yuu participating merchants.
- 1X yuu Point on all other spend.
- S$1 spend = 1 yuu Point. No limit. No cap.
- Customers need to download the new rewards app as yuu Points awarded can only be tracked on yuu Rewards app.
- Redemptions of yuu Points capped at 15,600 points (S$78) per calendar month.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: $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: No Requirement
Min. Annual Income: S$30,000
Minimum Age: 21 years old
Airmiles (Transport)
3 miles / dollarAirmiles (Local)
1.2 miles / dollarAirmiles (Overseas)
2 miles / dollarAirport Lounge Access
2 visits per year*- Earn 3 miles for every S$1 spent on online transactions from transportation, food delivery, and online grocery merchants.
- Earn 2 miles for every S$1 on foreign currency transactions.
- Earn 1.2 miles for every S$1 spent locally.
- 2 complimentary visits to Priority Pass lounges around the world each year.
- Get peace of mind when you travel with complimentary travel insurance coverage of up +to S$500,000.
- Rewards points do not expire.
- Flexible redemption – enjoy your choice of air miles, cash rewards or travel vouchers on the SCB Rewards 360 platform.
- SC Shop and Earn - Book your holidays and earn up to 28.75% Cashback at over 40 travel partners like Agoda, Klook, Trip.com. Unlock one of the highest Cashback as a Priority client. Log on to SC Shop and Earn via SC Mobile to start shopping.
- Get access to exclusive card offers and privileges with The Good Life programme.
- Bonus air miles
- No expiry air miles
- Airport lounge
- Travel insurance
- Transportation, food delivery and online grocery rewards capped at 3,000 miles in a statement cycle.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 29.9 %
Interest Free Period: 22 Days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.5 %
Air Miles Conversion Fee: S$27
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$0
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
HSBC Advance Credit Card
rating
3.9/ 5
Cashback (Local)
2.5 %Cashback (Overseas)
2.5 %Cashback (Baseline)
1.5 %Apply through SingSaver and choose from 11 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.
- No monthly spend required
- Travel insurance
- Annual Fee waiver
- Cashback is capped at S$70 per calendar month.
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
- Rebate cap applied
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: S$65,000
Minimum Age: 21 years old
UOB EVOL Card
rating
3.7/ 5
Cashback (Local)
Up to 10 %Cashback (Overseas)
1 %Cashback (Baseline)
0.3 %Cashback Bonus Cap
S$ S$
80 / monthApply through SingSaver and choose from 4 premium rewards
- Enjoy no FX fees on overseas foreign currency spend worldwide with no min. spend, no cap.
- Enjoy 10% cashback on Local Online and Mobile Contactless (Apple Pay, Samsung Pay, google Pay) Spend
- 10% on Selected Gym, Telco and Streaming Spend
- Get up to 1% cashback on all Overseas FX Spend (no min. spend and no cap) till 31 Dec 2026.
- All other spends earn 0.3% cashback.
- Gain access to over 1,000 deals at eco-friendly, dining, and online shopping merchants.
- No annual fees on your card, effective 1 July 2026.
- Get greater savings with up to 3.4% p.a. interest with UOB One Account+.
- Online shopping rebate
- Mobile contactless rebate
- No FX fees
- Overseas in-store FX spend rebate
- No annual fee
- Minimum spend of S$800 each statement month to enjoy accelerated cashback earn rate.
- S$80 total cashback cap per statement month (S$30 cap for local online and mobile spend; S$20 cap for selected gym, telco and streaming spend; and S$30 cap for all other spend.
- Monthly spend required
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 21 days
Fees
Annual Fee: S$0
Foreign Currency Transaction Fee: 0 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$800
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
UOB Absolute Cashback Card
rating
4.2/ 5
Cashback (Local)
Up to 1.7 % Annual Fee
S$ S$
196.20Minimum Annual Income
S$ S$
30,000Apply through SingSaver and choose from 4 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- 1.7% cashback on your purchases including travel, home furnishings, weddings, luxury purchases and more.
- 0.3% cashback on transactions which are commonly excluded from earning rewards such as charity, education, healthcare, professional services, utilities and Grab mobile wallet top-ups.
- For a limited time only, earn up to 2% cashback on contactless spend locally & overseas till 31 Jan 2027.
- No minimum spend.
- No cashback cap.
- Cashback earned in current statement period is automatically used to offset the following month's bill.
- No rebate cap
- No monthly spend required
- Insurance rebate
- Local spending rebate
- Mobile contactless payment methods not supported.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 21 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback (Bonus)
Up to 15 %Cashback (Baseline)
Up to 1 %Annual Fee
NoneApply through SingSaver and choose from 2 premium rewards
- One credit card, multiple ways to earn. You choose: 3% Stockback, 1.3 miles per dollar, up to 1.5% unlimited cashback or up to 15% bonus cashback. See Trust Freedom Card Key Facts Sheet for more details.
- From 21 Sept 2026, sign up, select miles and spend to earn up to 100K Max Miles. T&Cs apply*
- From 13 Aug 2026, stand to win up to 8K USD stocks. T&Cs apply*
- Switch your rewards every quarter
- Enjoy 0% foreign transaction fees
- $0 annual fee
- $0 commission fee for selling stocks
Repayment Details
Minimum Payment: 1 %
Late Payment Charge: S$100
Interest on Purchase: From 18.9 %
Interest on Cash Advance: From 18.9 %
Interest Free Period: 45 days
Fees
Annual Fee: None
Foreign Currency Transaction Fee: None
Eligibility
Monthly Spend Required: None
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback (Supermarket)
Up to 21 %Cashback (Baseline)
0.22 %Annual Fee
None- Enjoy up to 21% savings on groceries and food at FairPrice Group when you spend on credit card.
- Enjoy up to 20% savings on fuel purchase at Caltex when you spend on credit card.
- Enjoy 0% foreign transaction fees
- No annual fees.
- No card replacement fee.
- Cashback provided in Linkpoints.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: From 18.9 %
Interest on Cash Advance: From 18.9 %
Interest Free Period: 45 days
Fees
Annual Fee: None
Foreign Currency Transaction Fee: None
Eligibility
Min. Annual Income: S$30,000
Monthly Spend Required: None
Minimum Age: 21 years old
Airmiles (Overseas)
2.4 miles / dollarCashback (Overseas)
8 %Rewards Points (Overseas)
8 %Monthly Spend Required
S$ S$
600Apply through SingSaver and choose from 1 premium rewards
- Switch your preferred rewards flexibly between cashback, air miles, investment credits or carbon credits
- Up to 8% cashback / investment credits / carbon credits or 2.4 mpd from foreign currency spend
- Up to 6% cashback / investment credits / carbon credits or 1.8 mpd from online shopping and contactless transactions
- Complimentary insurance coverage of up to S$1 million for Regular Credit Cardmembers.
- Shopping Rebate
- Dining Rebate
- Online Rebate
- Overseas Rebate
- S$600 minimum monthly spend.
- Monthly service fee applies (waived for first 12 months).
- Monthly Spend Required
Repayment Details
Minimum Payment: 5 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 % p.a.
Interest on Cash Advance: 29 % p.a.
Interest Free Period: 52 days
Fees
Annual Fee: S$130.8
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$20
Eligibility
Monthly Spend Required: S$600
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback
2 %Annual Fee Waiver
1 yearAnnual Fee
S$ S$
196.20Apply through SingSaver and choose from 1 premium rewards
- Get up to 2% cashback on all purchases with no minimum spend.
- Free Insurance Coverage of up to S$1,000,000.
- 3% Transaction fee waiver in Mainland China
- Online shopping rebate
- Travel insurance
- No monthly spend required
- Cashback is awarded up to a monthly spend of S$10,000 (capped at S$200 cashback per calendar month).
- Rebate cap applied
Repayment Details
Minimum Payment: 5 %
Late Payment Charge: S$100
Interest on Purchase: 27 %
Interest on Cash Advance: 29 %
Interest Free Period: 57 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$20 %
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback
2 %Annual Fee Waiver
1 yearAnnual Fee
S$ S$
196.20Apply through SingSaver and choose from 1 premium rewards
- Get up to 2% cashback on all purchases with no minimum spend.
- Free Insurance Coverage of up to S$1,000,000.
- Online shopping rebate
- Travel insurance
- No monthly spend required
- Cashback is awarded up to a monthly spend of S$10,000 (capped at S$200 cashback per calendar month).
- Rebate cap applied
Repayment Details
Minimum Payment: 5 %
Late Payment Charge: S$100
Interest on Purchase: 27 %
Interest on Cash Advance: 29 %
Interest Free Period: 57 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$20
Eligibility
Min. Annual Income: S$30,000
Minimum Age: 21 years old
KrisFlyer UOB Credit Card
rating
2.4/ 5
Airmiles (Local)
3 miles / dollarAirmiles (Overseas)
3 miles / dollarMin. Annual Income
S$ S$
30,000Apply through SingSaver and choose from 4 premium rewards
- Earn 3 KrisFlyer miles per S$1 spend on Singapore Airlines, Scoot, KrisShop, Kris+ and Pelago purchases.
- Earn 2.4 KrisFlyer miles per S$1 spend on dining, food delivery, online shopping, online travel and transport spend, with min. S$1,000 annual spend on Singapore Airlines, Scoot and KrisShop
- Earn 1.2 KrisFlyer miles per S$1 on all other spend.
- 5,000 Welcome miles with first eligible spend (min. S$5).
- 10,000 KrisFlyer miles with annual renewal fee payment.
- Exclusive privileges on Scoot (via flyscoot.com/krisflyeruob), Kris+ and more.
- Terms and conditions apply for all abovementioned privileges. Visit here for more details.
- Insured up to S$100k by SDIC.
- KrisFlyer miles
- Unlimited miles
- 1st year annual fee waiver
Repayment Details
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: Up to 21 days
Minimum Payment: 3 %
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Air Miles Conversion Fee: No Fee
Eligibility
Monthly Spend Required: None
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Citi Cash Back Card
rating
3/ 5
Cashback (Petrol & Private Commute)
Up to 8 %Cashback (Dining & Groceries)
6 %Cashback Bonus Cap
S$ S$
80 / monthMonthly Spend Required
S$ S$
800Apply through SingSaver and choose from 13 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.
- Dining rebate
- Supermarket rebate
- High-value gift
- Min. monthly spend of S$800 required to earn bonus cashback.
- S$80 combined cashback cap across all categories.
- Rebate cap applied
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
CIMB Visa Signature Card
rating
3.5/ 5
Cashback (Travel)
10 %Cashback (Overseas)
Up to 3 %Cashback (Supermarket)
10 %Annual Fee
No Annual FeeApply through SingSaver and choose from 1 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- 10% cashback on online shopping, groceries, beauty/wellness, pet shops/veterinary services and cruises.
- Unlimited 0.2% cashback on all other spend.
- Complimentary travel insurance of up to S$500,000 when you charge your travel fares to this card.
- No annual fees for life + up to 4 supplementary cards with no annual fees.
- Online shopping rebate
- Supermarket rebate
- Annual Fee waiver
- Minimum spending of S$800 in the statement month to qualify for 10% cashback.
- 10% cashback is capped at S$100 per statement month per principal cardmember and up to S$20 per category. Earn 0.2% cashback on all spend when you exceed the cashback cap.
- Rebate cap applied
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28 %
Interest Free Period: 23 days
Fees
Annual Fee: No Annual Fee
Foreign Currency Transaction Fee: 3 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$800
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
CIMB Visa Infinite Card
rating
3/ 5
Cashback (Overseas)
Unlimited 3 %Cashback (Travel)
Unlimited 2 %Cashback (Local)
Unlimited 2 %Annual Fee Waiver
No Annual FeeApply through SingSaver and choose from 1 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Unlimited 2% cashback on travel, overseas spend and online spend in foreign currencies.
- Unlimited 1% on all other retail spends.
- Principal cardmembers enjoy 3 complimentary global lounge access at more than 1,000 airports annually.
- Charge your full travel fares to your CIMB Visa Infinite and automatically get travel insurance coverage of up to S$1 million for you and your family.
- No annual fees for life + Up to 4 supplementary cards with no annual fees.
- No rebate cap
- Airport lounge
- Travel insurance
- Annual Fee waiver
- Min. spending of S$2,000 in the statement month to qualify for the 2% cashback.
- Only Singapore citizens and Permanent Residents may apply.
- Minimum annual income requirement: S$120,000.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28 %
Interest Free Period: 23 days
Fees
Annual Fee: No Annual Fee
Foreign Currency Transaction Fee: 3 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$2,000
Minimum Annual Income: S$120,000
Minimum Age: 21 years old
American Express True Cashback Card
rating
4.2/ 5
Cashback
1.5 %Complimentary Travel Insurance
YesAnnual Fee
S$ S$
174.40- 3% Cashback on all eligible purchases, up to S$5,000 spend in the first 6 months for new Card Members.
- 1.5% Cashback on all subsequent eligible purchases with no minimum spending.
- Cashback credited on the same statement month.
- Please refer to the American Express website (go.amex/singsaver) 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: 27.80 %
Interest on Cash Advance: 26.9 %
Interest Free Period: 22 days
Fees
Annual Fee: S$174.40
Foreign Currency Transaction Fee: 3.25 %
Eligibility
Minimum Annual Income: Conditional
Minimum Age: 21 years old
Airmiles (Overseas)
Up to 2.2 miles / dollarAirmiles (Local)
Up to 1.3 miles / dollarAirport Lounge Access
2 visits per year*Min. Annual Income
S$ S$
30,000Apply through SingSaver and choose from 11 premium rewards
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.
- Bonus air miles
- Airport lounge
- No expiry air miles
- Unlimited air miles
- 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$30,000
Minimum Age: 21 years old
DBS Altitude Visa Signature Card
Promo_Code:
SINGSAVER
Airmiles (Overseas)
Up to 2.2 miles / dollarAirmiles (Local)
1.3 miles / dollarAirport Lounge Access
2 visits per year*Min. Annual Income
S$ S$
30,000Apply through SingSaver and choose from 11 premium rewards
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.
- Bonus air miles
- Airport lounge
- No expiry air miles
- Unlimited air miles
- 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$30,000
Minimum Age: 21 years old
UOB PRVI Miles World MasterCard
rating
2.8/ 5
Airmiles (Travel Booking)
Up to 8 miles / dollarAirmiles (Overseas)
Up to 3 miles / dollarAirmiles (Local)
1.4 miles / dollarMin. Annual Income
S$ S$
30,000Apply through SingSaver and choose from 4 premium rewards
- Earn 3 miles per S$1 spend (UNI$7.5 per S$5 spend) on regional spend in Indonesia, Malaysia, Thailand, Vietnam, including online shopping on overseas website.
- Earn 2.4 miles per S$1 spend (UNI$6 per S$5 spend) on other overseas spend, including online shopping on overseas websites.
- Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on local spend.
- 4 complimentary lounge visits annually, exclusive for Principal Cardmembers.
- Earn up to 8 miles per S$1 spend (UNI$20 per S$5 spend) on agoda and Expedia bookings via UOB PRVI Miles website.
- Earn up to 6 bonus KrisFlyer miles for every S$1 spend if you also apply for a new KrisFlyer UOB Account.
- Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
- Choice to redeem for miles, cashback, or vouchers.
- No minimum spend and no cap on earned miles
- Bonus air miles
- Unlimited air miles
- Travel insurance
- No monthly spend required
- Annual fee of S$261.60
- Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 21 days
Fees
Annual Fee: S$261.60
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$27
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: -
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Airmiles (Travel)
Up to 8 miles / dollarAirmiles (Overseas)
Up to 3 miles / dollarAirmile (Local)
1.4 miles / dollarMin. Annual Income
S$ S$
30,000Apply through SingSaver and choose from 4 premium rewards
- Earn 3 miles per S$1 spend (UNI$7.5 per S$5 spend) on regional spend in Indonesia, Malaysia, Thailand, Vietnam, including online shopping on overseas website.
- Earn 2.4 miles per S$1 spend (UNI$6 per S$5 spend) on other overseas spend, including online shopping on overseas websites.
- Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on local spend.
- 4 complimentary lounge visits annually, exclusive for Principal Cardmembers.
- Earn up to 8 miles per S$1 spend (UNI$20 per S$5 spend) on agoda and Expedia bookings via UOB PRVI Miles website.
- PRVI Miles Amex Exclusive: Earn 20,000 loyalty miles every year
- PRVI Miles Amex Exclusive: Earn 5,000 overseas spend bonus miles every quarter
- Earn up to 6 bonus KrisFlyer miles for every S$1 spend if you also apply for a new KrisFlyer UOB Account
- Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
- Choice to redeem for miles, cashback, or vouchers.
- No minimum spend and no cap on earned miles
- Bonus air miles
- Unlimited air miles
- Travel insurance
- No monthly spend required
- 2 year points expiry.
- Annual fee of S$261.60
- Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 21 days
Fees
Annual Fee: S$261.60
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$27
Cash Advance Service Charge: S$15
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
UOB PRVI Miles Visa Card
rating
4.1/ 5
Airmiles (Travel)
Up to 8 miles / dollarAirmiles (Overseas)
Up to 3 miles / dollarAirmiles (Local)
1.4 miles / dollarMin. Annual Income
S$ S$
30,000Apply through SingSaver and choose from 4 premium rewards
- Earn 3 miles per S$1 spend (UNI$7.5 per S$5 spend) on regional spend in Indonesia, Malaysia, Thailand, Vietnam, including online shopping on overseas website.
- Earn 2.4 miles per S$1 spend (UNI$6 per S$5 spend) on other overseas spend, including online shopping on overseas websites.
- Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on local spend.
- 4 complimentary lounge visits annually, exclusive for Principal Cardmembers.
- Earn up to 8 miles per S$1 spend (UNI$20 per S$5 spend) on agoda and Expedia bookings via UOB PRVI Miles website.
- Earn up to 6 bonus KrisFlyer miles for every S$1 spend if you also apply for a new KrisFlyer UOB Account.
- Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
- Choice to redeem for miles, cashback, or vouchers.
- No minimum spend and no cap on earned miles
- Bonus air miles
- Unlimited air miles
- Travel insurance
- No monthly spend required
- Annual fee of S$261.60
- Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 21 days
Fees
Annual Fee: S$261.60
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$27
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback (Local)
Up to 12 %Min. Annual Income
S$ S$
30,000Annual Fee
S$ S$
196.20- Enjoy 12% cashback on Singtel and GOMO spend.
- Enjoy 10% cashback on Local Online and Mobile Contactless (Apple Pay, Google Pay) spend.
- Enjoy no FX fees on overseas foreign currency spend with no min. spend.
- Waiver of Annual Fee with 12-month recurring Singtel and/or GOMO bills
- Enjoy up to S$300 Singtel vouchers per year when you spend S$12,000/yr locally on the card
- Singtel/GOMO spend rebate
- Online shopping rebate
- Mobile contactless rebate
- No FX fee
- Voucher redeemable yearly
- Minimum spend of S$800 each statement month to enjoy accelerated cashback
- S$80 total cashback cap per statement month (S$30 cap for Singtel spend, S$30 cap for local online and mobile spend; S$20 cap for all other spend.)
- Rebate cap applied
- Monthly spend required
Fees
Annual Fee: S$196.20
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
UOB Visa Signature Card
rating
2/ 5
Min. Annual Income
S$ S$
30,000Apply through SingSaver and choose from 4 premium rewards
- Earn 4 miles per dollar on overseas spend in foreign currency.
- Earn 4 miles per dollar on local petrol & contactless spend including SimplyGo.
- Enjoy complimentary travel insurance benefits, including coverage of up to S$500,000 for Public Conveyance Personal Accident.
- Petrol rebate
- Overseas rebate
- Mobile contactless rebate
- S$1,000 monthly minimum spend required to earn boosted rewards points rate.
- Rewards points capped at UNI$2,400 per category per statement month.
- Rebate cap applied
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 25.9 %
Interest on Cash Advance: 28 %
Interest Free Period: 21 days
Fees
Annual Fee: S$218.00
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$27
Eligibility
Minimum Age: 21 years old
Minimum Annual Income: S$30,000
Monthly Spend Required: S$1,000
Cashback (Dine)
5 %Cashback (Shop)
5 %Cashback (Travel)
5 %Cashback (Play)
5 %- 5% cashback* whenever you spend in the Dine, Shop, Travel and Play categories, as well as in Foreign currencies.
- Up to S$80 bonus cashback monthly (Other transactions will earn unlimited cashback at 0.2% cashback.)
- Credit Cards with one of the widest number of spending categories in the market:
- Dine: Restaurants, fast food, bakeries, food delivery, etc.
- Shop: Apparel, departmental stores, sports apparel, online shopping, etc.
- Travel: Airlines, online travel agencies, hotel booking, etc.
- Play: Bars, KTV, cinemas, online streaming, video game arcade, etc.
- +all foreign currency spend (overseas & online)
- Annual Fee waiver
- No monthly spend required
- No rebate cap
- Overseas rebate
- Extremely limited age range (21 to 39 years old only).
- 5% bonus cashback rate requires S$500 min. spend per calendar month.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchases: 27.9 % p.a.
Interest on Cash Advance: 28.5 % p.a.
Interest Free Period: 20 days
Fees
Annual Fee: S$87.20
Foreign Currency Transaction Fee: 3.25 %
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Airmiles (Dine)
4 miles / dollarAirmiles (Shop)
4 miles / dollarAirmiles (Travel)
4 miles / dollarAirmiles (Play)
4 miles / dollar- 4 air miles per dollar (10X TREATS Points) whenever you spend in the Dine, Shop, Travel and Play categories, as well as in Foreign currencies.
- Up to 10,000 bonus TREATS Points monthly. (Other transactions will earn 5 TREATS points for every S$5 spent.)
- Credit Cards with one of the widest number of spending categories in the market:
- Dine: Restaurants, fast food, bakeries, food delivery, etc.
- Shop: Apparel, departmental stores, sports apparel, online shopping, etc.
- Travel: Airlines, online travel agencies, hotel booking, etc.
- Play: Bars, KTV, cinemas, online streaming, video game arcade, etc.
- +all foreign currency spend (overseas & online)
- Annual Fee waiver
- No monthly spend required
- No rebate cap
- Overseas rebate
- Extremely limited age range (21 to 39 years old only).
- 4 miles per dollar rate requires S$500 min. spend per calendar month.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchases: 27.9 % p.a.
Interest on Cash Advance: 28.5 % p.a.
Interest Free Period: 20 days
Fees
Annual Fee: S$87.20
Foreign Currency Transaction Fee: 3.25 %
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback (Dining)
Up to 6 %Cashback (Travel)
1.5 %Airmiles (Retail)
Up to 6.94 miles / S$1.60 spentRewards Points (Dining)
Up to 20 points / dollar- Enjoy competitive rates and complimentary benefits at over 1,600 Fine Hotels + Resorts properties worldwide.
- Up to 6 dining experiences for your and your loved ones across the year with Table for Two by Platinum
- Complimentary access to over 1,550 lounges across 500 airports in 140 countries.
- Gain instant status to higher tiers of leading hotel loyalty programs.
- Complimentary Access into Tower Club.
- Membership Rewards Points never expire.
- Up to 50% savings at premium dining locations with Love Dining.
- Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
- Annual fee: S$1,744 (inclusive of GST).
Repayment Details
Minimum Payment: N/A
Late Payment Charge: 2.5 %
Interest on Purchase: N/A
Interest on Cash Advance: N/A
Interest Free Period: N/A
Fees
Annual Fee: S$1,744
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: No Fee
Cash Advance Service Charge: 5 %
Eligibility
Monthly Spend Required: S$0
Minimum Annual Income: Conditional
Minimum Age: 21 years old
Airmiles (Local)
1.2 miles / dollarAirmiles (Overseas)
1.2 miles / dollarAnnual Fee
S$ S$
397.85You’ll also receive the following welcome gift(s) directly from the bank
- Spend S$15,000 or more on eligible Singapore Airlines and Scoot flight bookings within the first 12 months upon Card approval to be automatically upgraded to the KrisFlyer Elite Gold membership tier. T&Cs apply.
- Get a complimentary night stay at participating Hilton properties each year.
- Receive a Foreign Spend Miles Redemption Voucher for 18,000 KrisFlyer miles when you spend the equivalent of S$10,000 or more in foreign currency within the qualifying period.
- Receive a Renewal Miles Redemption Voucher for 10,000 KrisFlyer miles after American Express receives payment of the renewal annual membership fee each year.
- Earn 2 KrisFlyer miles for every S$1 spent on eligible Singapore Airlines and Scoot flight bookings, KrisShop and Pelago purchases, with no cap.
- Earn 1.2 KrisFlyer miles for every S$1 spent on all other eligible purchases, with no cap.
- Enjoy hassle-free conversion as all KrisFlyer miles earned with the American Express Singapore Airlines KrisFlyer Ascend Credit Card are conveniently credited directly into your KrisFlyer account.
- Accelerated upgrade to KrisFlyer Elite Gold membership tier
- Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
- Annual fee: S$397.85 (inclusive of GST) must be paid to enjoy welcome offers.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.80 %
Interest on Cash Advance: 26.9 %
Interest Free Period: 22 days
Fees
Air Miles Conversion Fee: No Fee
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: 5 %
Annual Fee: S$397.85
Eligibility
Minimum Annual Income: Conditional
Minimum Age: 21 years old
Citi SMRT Card
rating
3.7/ 5
Cashback (Ride Sharing)
5 %Cashback (Transport Spend)
5 %Cashback (Baseline)
0.3 %Monthly Spend Required
S$ S$
500Apply through SingSaver and choose from 13 premium rewards
- 5% savings on online purchases.
- 5% savings at all supermarkets & grocery stores.
- 5% savings on taxi & public transport rides.
- Public transportation
- Grab/taxi rebate
- Online shopping rebate
- Minimum monthly spend of S$500 required to get higher cashback rates.
- Monthly spend required
Repayment Details
Minimum Payment: 2 %
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 28 %
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: 8 %
Eligibility
Monthly Spend Required: S$500
Min. Annual Income: S$30,000
Minimum Age: 21 years old
Cashback (Retail)
4.7 %Cashback (Online)
2.7 %Cashback (Department Store)
Up to 2.7 %Cashback (Baseline)
0.3 %Apply through SingSaver and choose from 13 premium rewards
- Earn up to 4.7% Citi M1 rebate on eligible Entertainment spend and 2.7% Citi M1 rebate on M1 Telco Bill spending.
- Enjoy up to 2.7% Citi M1 Rebate on purchases at M1 stores.
- Citi M1 rebate does not expire.
- Retail rebate
- No expiry air miles
- 0.3% cash rebate on eligible retail purchases.
- Monthly spend required
- Rebate cap applied
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
Min. Annual Income: S$30,000
Minimum Age: 21 years old
Cashback (Petrol)
Up to 6 %Cashback (Local)
Up to 10 %Cashback (Dining)
Up to 10 %Annual Fee
S$ S$
196.20Apply through SingSaver and choose from 11 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- 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.
- Food delivery
- Online shopping rebate
- 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.
- Rebate cap applied
- Monthly spend required
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
Airmiles (Overseas)
2.1 miles / dollarAirmiles (Local)
1.3 miles / dollarAirmiles (Hotel Booking)
Up to 7 miles / dollarCashback (Overseas)
2.1 %Apply through SingSaver and choose from 11 premium rewards
- Earn 1.3 and 2.1 miles per S$1 spent locally and overseas respectively.
- Your Miles never expire.
- No expiry on Travel$ earned, and no conversion fee.
- Mastercard Airport Experiences: Enjoy offers for dining, spas and retail at worldwide lounges before you take off.
- First-year annual fee waived.
- Read our full review of the OCBC 90°N Credit Card .
- No expiry air miles
- Unlimited air miles
- Travel$ is awarded in blocks of S$5 charged to the card per transaction.
- No monthly spend required
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.78 %
Interest on Cash Advance: 28.92 %
Interest Free Period: 23 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: -
Min. Annual Income: S$30,000
Minimum Age: 21 years old
Airmiles (Overseas)
2.1 miles / dollarAirmiles (Local)
1.3 miles / dollarAirmiles (Hotel Booking)
Up to 7 miles / dollarCashback (Overseas)
2.1 %Apply through SingSaver and choose from 11 premium rewards
- Earn 1.3 and 2.1 miles per S$1 spent locally and overseas respectively.
- Flexibility of converting points to miles: 1 Travel$ = 1 mile.
- No expiry on Travel$ earned, and no conversion fee.
- Travel$ can be converted to 1.2% cashback.
- Mastercard Airport Experiences: Enjoy offers for dining, spas and retail at worldwide lounges before you take off.
- First-year annual fee waived. Receive 10,000 miles when you pay the second year annual fee.
- Read our full review of the OCBC 90°N Credit Card.
- Unlimited air miles
- No expiry air miles
- Bonus air miles
- Travel$ awarded in blocks of S$5 charged to the card per transaction.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.78 %
Interest on Cash Advance: 28.92 %
Interest Free Period: 23 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
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Monthly Spend Required: S$0
Rewards Points (Dining)
10 points / 1.60 dollarsYou’ll also receive the following welcome gift(s) directly from the bank
- Own your style in your favourite brands or step up to the foodie life with up to S$200 Fashion and Dining Credit with successful payment of the Annual Membership fee.
- Enjoy up to 50% off your food bill at over 70 premium dining spots with Love Dining.
- Enjoy 1-for-1 first drink and complimentary drinks at some of the most bespoke bars in Singapore with Chillax by Platinum.
- Skip the S$15,000 qualification spend and enjoy a complimentary 12-month C4 tier Comoclub membership.
- Earn 2 Membership Rewards® Points for every S$1.60 spent.
- Earn 10 Membership Rewards® Points for every full S$1.60 spent at Platinum 10Xcelerator Partners.
- Membership Rewards® Points never expire.
- Permanent waiver of miles transfer fee (worth S$40).
- Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
- Annual fee: S$327 (inclusive of GST) must be paid to enjoy welcome offers.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.80 %
Interest on Cash Advance: 26.9 %
Interest Free Period: 22 days
Fees
Annual Fee: S$327
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: 5 %
Eligibility
Minimum Annual Income: Conditional
Minimum Age: 21 years old
Airmiles (Flight Booking)
Up to 8 HighFlyer pointsComplimentary Travel Insurance
Up to S$1,000,000Airmiles (Baseline)
1.2 HighFlyer points- 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 ALL Accor+ Explorer membership each year with exclusive hotel 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 (go.amex/singsaver) 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
Cashback (Department Store)
Up to 18 %Rewards Points (Local)
Up to 36 yuu Points / dollarRewards Bonus Cap
28,800 yuu Points / monthAirmiles (Local)
Up to 10 miles / dollarApply through SingSaver and choose from 11 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Up to 36X Points on yuu participating merchants.
- 1X Point on all other spend.
- S$1 spend = 1 yuu Point. No limit. No cap.
- Supermarket rebate
- Dining rebate
- Transport rebate
- Customers need to download the new rewards app as yuu Points awarded can only be tracked on yuu Rewards app.
- Redemptions of yuu Points capped at 15,600 points (S$78) per calendar month.
- Rebate cap applied
- Monthly spend required
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: $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
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
DBS Vantage Visa Infinite Card
rating
1/ 5
Airmiles (Local)
1.5 miles / dollarAirmiles (Overseas)
2.2 miles / dollarAirport Lounge Access
10 visits per year*Annual Fee
S$ S$
599.50- 1.5 miles or 1.5% cashback per S$1 spent locally, such as groceries, shopping and more.
- 2.2 miles or 2.2% cashback per S$1 spent on overseas purchases in foreign currency.
- Receive 25,000 bonus miles when you pay the annual fee of S$550 (exclusive of GST) to renew your membership.
- Complimentary Accor Plus Explorer membership with 1 free hotel night stay at Sofitel, Fairmont, Swissotel and over 1000 hotels worldwide.
- Complimentary Digital Priority Pass™ Membership and 10 free lounge visits to over 1,300 airport lounges worldwide within each 12-month period of membership.
- Members-only dining privileges at over 80 of Singapore’s fine dining establishments, including Michelin-awarded restaurants.
- Bonus air miles
- Local spending rebate
- Overseas rebate
- Airport lounge
- Annual fee of S$588.50 (inclusive of GST) is non-waivable for the first year.
- 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: $100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 25 days
Fees
Annual Fee: S$599.50
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$27
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$2,000
Minimum Annual Income: S$120,000
Minimum Age: 21 years old
Rewards Points (Local)
3.25 points / dollarRewards Points (Overseas)
5 points / dollarAirport Lounge Access
12 Priority Pass lounge visits / yearAnnual Fee
S$ S$
651.82- 5 ThankYou Points per dollar on overseas spend.
- 3.25 ThankYou Points per dollar on local spend.
- Points earned do not expire and have no cap.
- Twelve (12) complimentary lounge visits per calendar year to over 1,700 airport lounges and experiences in cities around the world through Priority Pass membership.
- Complimentary night stays when you book a minimum consecutive four-night stay at any hotel or resort.
- Up to 30% more ThankYou Points for your relationship with Citibank.
- Six complimentary golf games locally and overseas.
- Read our full review of the Citi Prestige Card.
- Airport lounge
- Dining Benefits
- Complimentary Hotel Night Stay
- Complimentary Limo Rides
- Minimum annual income requirement of S$120,000.
- Annual Fee of S$651.82 (incl. GST).
- Can no longer convert Citi ThankYou Points into miles (as of February 2026).
Repayment Details
Minimum Payment: 1 %
Late Payment Charge: S$100
Interest on Purchase: Up to27.9 %
Interest on Cash Advance: Up to27.9 %
Interest Free Period: 25 days
Fees
Annual Fee: S$651.82
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: 8 %
Eligibility
Monthly Spend Required: S$0
Min. Annual Income: S$120,000
Minimum Age: 21 years old
Cashback (Local)
Up to 10 %Cashback (Overseas)
Up to 10 %Cashback (Dining)
Up to 10 %Monthly Spend Required
S$ S$
0- Earn up to 10% cashback for spends above S$1,500 on selected merchants.
- Earn up to 8% cashback for spends above S$800 on selected merchants.
- Enjoy 0.5% cashback for all base spends with no monthly cashback cap.
- Enjoy peace of mind when your flight is delayed with Visa SmartDelay™, which offers complimentary access to over 1,700 airport lounges and travel experiences.
- Interest-free instalments with SC Easy Pay.
- No cash advance fee.
- First-year annual fee waived for new cardholders (S$91 excl. GST thereafter)
- No cashback cap.
- Flexible redemption options for miles, cashback or shopping vouchers
- Streaming, dining and commuting
- Interest-free Installments with SC Easy Pay
- First-year annual fee waiver
- Cashback awarded in the form of 360° Rewards Points.
- Points expire after 3 years.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 23.9 %
Interest on Cash Advance: 29.9 %
Interest Free Period: 3 Months
Fees
Annual Fee: No Annual Fee
Foreign Currency Transaction Fee: 3.5 %
Air Miles Conversion Fee: S$27
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$0
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback (Overseas)
2.48 %Cashback (Dining)
1.24 %Airmiles (Travel)
6 miles / dollarAirmiles (Overseas)
2.9 miles / dollar- Up to 10X reward points for every S$1 spent in foreign currency on overseas retail, dining and travel transactions.
- Up to 5X reward points for every S$1 spent on dining transactions.
- 1 reward point for every S$1 spent on all eligible spend.
- SC Shop and Earn - Upgrade your home and earn up to 8.05% Cashback. Shop top home and electronics brands like Dyson, Heavenluxe, Samsung, Xiaomi and many more. Unlock one of the highest Cashback as a Priority client. Log on to SC Shop and Earn via SC Mobile to start shopping.
- No min. spend required, 1 year annual fee waiver.
- Complimentary travel insurance coverage of up to S$500,000 when you charge your full travel fare to the card.
- Read our full review of the Standard Chartered Rewards+ Credit Card.
- Overseas rebate
- No monthly spend required
- Travel insurance
- Additional reward points are capped at 20,000 points per year.
- Purchases from local hotel restaurants and supermarkets are not considered as qualifying dining transactions.
- Rebate cap applied
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 28 %
Interest Free Period: 22 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$30,000
Minimum Age: 21 years old
DBS Live Fresh Card
Promo_Code:
SINGSAVER
Cashback (Local Online Shopping)
Up to 6 %Cashback (Baseline)
0.3 %Cashback (Overseas)
Up to 6 %Min. Annual Income
S$ S$
30,000- 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
- Online Rebate
- Shopping
- Public transportation
- 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
- Rebate cap applied
- Monthly spend required
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
Airmiles (Overseas)
3 miles / dollarAirmiles (Local)
1.4 miles / dollarRewards Points (Overseas)
7.5 points / dollarAirport Lounge Access
6 visits per year*- Earn up to 3 miles per dollar in every statement cycle where a min. eligible spend of S$2,000 is made.
- Complimentary Priority Pass membership with 6 lounge visits a year.
- Receive complimentary travel insurance coverage of up to S$1 million when you charge your full travel fare to this card.
- Get access to exclusive card offers and privileges with The Good Life programme.
- Earn rewards points on education, rental, insurance, and tax payments via SC EasyBill.
- Local spend: 3.5 rewards points (1.4 miles per S$1)
- Miles do not expire.
- Airport lounge
- Travel insurance
- Bonus air miles
- Base earn rate of 1 mile per S$1.
- A S$26.75 transfer fee is levied for every mileage transfer rewards code redeemed.
- Annual fee is strictly non-waivable.
- Monthly spend required
Repayment Details
Minimum Payment: 1 %
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest Free Period: 22 days
Interest on Cash Advance: 29.9 %
Fees
Annual Fee: S$599.50
Foreign Currency Transaction Fee: 3.5 %
Air Miles Conversion Fee: S$27
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$2,000
Minimum Annual Income: S$150,000
Minimum Age: 21 years old
DCS DON DON DONKI Card
rating
5/ 5
Cashback (Local)
5 %Cashback Bonus Cap
S$ S$
50 / monthAnnual Fee Waiver
1 year- Up to 5% Rebate at DON DON DONKI with regular card.
- Up to 2% Rebate at DON DON DONKI with S$500 Limit card.
- Earn 1 Club Rewards Points when you spend outside DON DON DONKI. No expiry to your Club Rewards Points,
- One complimentary lounge access per calendar year.
- Complimentary insurance coverage of up to S$1 million for Regular Credit Cardmembers.
- Supermarket rebate
- Travel insurance
- Installment
- No expiry air miles
- Rebates$ will expire after 60 days and will be forfeited if expired.
Repayment Details
Minimum Payment: 5 %
Late Payment Charge: S$100
Interest on Purchase: 27 %
Interest on Cash Advance: 29 %
Interest Free Period: 57 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$20
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
DBS Takashimaya Visa Card
rating
3.7/ 5
Cashback (Retail)
Up to 5 %Cashback (Local)
0.17 %Rewards Points (Dining)
2 Takashimaya Bonus PointsAnnual Fee Waiver
1 year- Get up to 5% voucher rebates on your Takashimaya spend (up to 2 Takashimaya Points with every S$12 charged).
- Redeem S$30 worth of Takashimaya Gift Vouchers with every 100 Takashimaya Bonus Points.
- Enjoy additional 10% off during selected sale events at Takashimaya Department Store.
- Enjoy up to 5% discount at selected Takashimaya stores in Asia.
- Retail rebate
- Retail discount
- Voucher redeemable
- No rebate cap
- Rebates can only be redeemed for Takashimaya vouchers.
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
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
DBS Takashimaya American Express Card
rating
4.5/ 5
Cashback (Retail)
Up to 6 %Rewards Points (Retail)
2 Takashimaya Bonus PointsCashback (Department Store)
6 %Cashback (Baseline)
0.17 %- Get 6% voucher rebates in Takashimaya Department Store (Earn 2 Takashimaya Bonus Points with every S$10 charged)
- Get 2% voucher rebates in Takashimaya Shopping Centre (Earn 2 Takashimaya Bonus Points with every S$30 charged)
- Redeem S$30 worth of Takashimaya Gift Vouchers with every 100 Takashimaya Bonus Points.
- Enjoy additional 10% off during selected sale events at Takashimaya Department Store.
- Enjoy up to 5% discount at selected Takashimaya stores in Asia.
- Retail rebate
- Retail discount
- Voucher redeemable
- No rebate cap
- Rebates can only be redeemed for Takashimaya vouchers.
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
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
DBS Esso Card
rating
3.7/ 5
Fuel Savings
Up to 21.6 %Cashback (Petrol)
3.6 %Rewards Points (Petrol)
1 Smiles PointCashback (Baseline)
0.4 %- Enjoy up to 21.6% fuel savings and 2.4% Smiles Savings at All Esso stations.
- Auto-enrolment into the Esso Smiles Driver Rewards programme.
- Earn Smiles Points on all Esso fuel spend and card retail spend.
- Get interest-free payment plans for motor insurance and road tax.
- Enjoy faster payments at Pay-at-the-Pump Systems at Esso service stations.
- Petrol savings
- 18% instant fuel discounts not applicable when paying via mobile wallets, including Apple Pay, Samsung Pay, and Google Pay.
- Annual Fee required
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
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback
5 %Cashback Bonus Cap
S$ S$
50 / monthAnnual Fee Waiver
1 year- Get up to 5% cash rebate on all eligible spending.
- Receive complimentary personal accident insurance coverage for regular credit cardmembers of up to S$1 million.
- Complimentary access to more than 1,000 airport lounges worldwide.
- Basic cardholder enjoys one complimentary lounge access per year.
- Travel insurance
- Airport lounge
- Requires minimum spend of S$400 to be eligible for cash rebate.
- S$50 cashback cap per month.
- Monthly spend required
- Rebate cap applied
Repayment Details
Minimum Payment: 5 %
Late Payment Charge: S$100
Interest on Purchase: 27 %
Interest on Cash Advance: 29 %
Interest Free Period: 57 days
Fees
Annual Fee: S$196.20
Cash Advance Service Charge: S$20
: 3.25 %
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
DBS Woman's Card
rating
4.3/ 5
Rewards Poins (Online Shopping)
Up to 5 DBS PointsRewards Points (Local)
Up to 5 DBS PointsAirmiles (Travel)
2 miles / dollarCashback (Online Shopping)
0.83 %- 5X DBS points (10 miles) for every S$5 spent on online 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.
- Online shopping rebate
- Overseas rebate
- Installment
- 5X DBS points are only applicable for the first S$1,000 online spend per calendar month.
- DBS points are awarded for every S$5 spent.
- Rebate cap applied
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$163.50
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
DBS Woman's World Card
rating
4.6/ 5
Rewards Points (Local)
10 DBS Points / S$5Cashback (Online Shopping)
1.67 %Airmiles (Travel)
4 miles / dollarMin. Annual Income
S$ S$
80,000- 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.
- Online shopping rebate
- Overseas rebate
- Installment
- DBS points are only awarded for every S$5 spent.
- 10X DBS points are only applicable for the first S$1,500 online spend per calendar month.
- Minimum income requirement for Singaporeans/PRs: S$80,000.
- Minimum income requirement for foreigners: S$80,000.
- Rebate cap applied
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
Minimum Annual Income: S$80,000
Minimum Age: 21 years old
DBS Live Fresh Student Card
rating
3.2/ 5
Cashback (Local)
Up to 10 %Cashback (Supermarket)
5 %Cashback (Overseas)
0.3 %Annual Fee Waiver
5 years- Enjoy 5% Cashback on McDonald's, Starbucks, Golden Village, Netflix and Spotify.
- Enjoy additional 5% Green Cashback on selected eco-friendly Eateries, Retailers, and Transport Services.
- 0.3% Cashback on All Other Spend
- 5 Years Annual Fee Waiver
- No minimum spend required
- No minimum income required
- Mobile contactless rebate
- Local spending rebate
- No income required
- Monthly credit limit of S$500
- Monthly cashback cap of S$50
- Rebate cap applied
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest Free Period: 25 days
Interest on Cash Advance: 28.5 %
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Minimum Annual Income: None
Minimum Age: 21 years old
UOB Lady's Solitaire Card
rating
5/ 5
Airmiles (Local)
4 miles per dollarAirmiles bonus Cap
6,000 miles / monthRewards Points Cap
S$ S$
5,600 / monthMin. Annual Income
S$ S$
120,000- Pick from 7 rewards categories to earn up to 25X UNI$ for every S$5 spend (10 miles per S$1)
- 10X UNI$ for every S$5 spent (equivalent to 4 miles per S$1) on 2 of your preferred rewards categories..
- Up to additional 15X UNI$ per S$5 spent (6 miles per S$1) when you save with UOB Lady's Savings Account
- UNI$1 per S$5 spent (equivalent to 0.4 miles per S$1) on other purchases.
- Complimentary travel insurance coverage of up to US$100,000.
- Complimentary e-commerce protection
- 0% LuxePay
- Local spending rebate
- Installment
- No monthly spend required
- S$120,000 annual income
- S$410.40 annual fee
- S$5 earning blocks for miles.
- Automatic UNI$ deductions
- Rebate cap applied
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 21 days
Fees
Annual Fee: S$414.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$27
Eligibility
Monthly Spend Required: None
Min. Annual Income: S$120,000
Minimum Age: 21 years old
Cashback (Local)
Up to 1 %Cashback (Overseas)
Up to 1 %Cashback (Transport)
Up to 1 %Annual Fee Waiver
2 years- Purchases are automatically split into monthly installments to ease your cashflow.
- 0% interest on monthly instalments.
- Earn 1% cash rebates when your monthly bill is S$1,000 or more.
- Installment
- Not applicable to any cash advance, balance transfer, instalment payment plan, interest fees and other promotions and transactions.
- Rebate cap applied
- Monthly spend required
- Annual Fee required
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.78 %
Interest on Cash Advance: 28.92 %
Interest Free Period: 23 days
Fees
Annual Fee: S$163.50
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
OCBC Frank Card
rating
3.2/ 5
Cashback (Contactless Spend)
Up to 10 %Cashback (Overseas)
8 %Cashback (Local)
Up to 10 %Cashback (Dining)
Up to 8 %- Enjoy 8% cashback on foreign currency transactions.
- Enjoy 8% cashback on online/contactless mobile transactions in SGD.
- Enjoy 2% cashback at selected green merchants.
- Annual fee waiver of 2 years
- Contactless payment
- Overseas rebate
- Online shopping rebate
- Minimum spend of S$800 required to earn higher cashback rate.
- Cashback capped at S$100 per month.
- Automatic annual fee waiver requires min. annual spend of S$10,000.
- Monthly spend required
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.78 %
Interest on Cash Advance: 28.92 %
Interest Free Period: 23 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
Min. Annual Income: S$30,000
Minimum Age: 21 years old
Maybank Family & Friends Card
rating
4.5/ 5
Monthly Spend Required
Min. S$ 800Annual Fee
S$ S$
196.20- Earn up to 8% cashback for 5 Preferred Categories across 10 options.
- Get up to 8% cashback on Malaysian Ringgit (MYR) and Indonesian Rupiah (IDR) spend.
- Earn up to S$180 cashback every month.
- Preferred Categories can be changed trimonthly or every 3 months.
- 3-year annual fee waiver.
- No annual fee for supplementary card.
- Local spending rebate
- Annual Fee waiver
- Monthly cashback at 0.22% for spends below S$800.
- Rebate cap applied
- Monthly spend required
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 26.9 %
Interest on Cash Advance: 26.9 %
Interest Free Period: 20 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: Min. S$800
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Maybank World Mastercard
rating
3/ 5
Airmiles (Retail)
4 miles / dollarAirmiles (Dining)
4 miles / dollarAirmiles (Pettrol)
4 miles / dollarMin. Annual Income
S$ S$
80,000- Earn 10X TREATS Points (4 miles) per S$1 spent at specially selected retail stores, restaurants, and all petrol stations islandwide+.
- Get up to 20.05% savings on petrol.
- Complimentary green fees at world-class golf fairways.
- Complimentary enrolment into Rewards Infinite Programme: TREATS Points never expire.
- Free air miles conversion
- Complimentary Plaza Premium airport lounge access with a minimum charge of S$1,000 in a single retail transaction.
- Complimentary travel insurance coverage of up to S$1,000,000 when air tickets/travel packages are charged in full to the card.
- Dining rebate
- Retail rebate
- Petrol rebate
- Airport lounge
- TREATS Points awarded calculated based on blocks of S$5.
- Annual income requirement: S$80,000.
- Annual fee: S$240 (waived for first year only)
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 26.9 %
Interest on Cash Advance: 26.9 %
Interest Free Period: 20 days
Fees
Annual Fee: S$261.60
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Air Miles Conversion Fee: No Fee
Eligibility
Minimum Annual Income: S$80,000
Minimum Age: 21 years old
Cashback (Local)
Up to 3 %Complimentary Travel Insurance
Up to S$300,000Annual Fee
S$ S$
87.20Min. Annual Income
S$ S$
30,000- Earn 1% unlimited cashback and 1X TREATS Points (0.4 miles per dollar) on all transactions.
- Earn up to 3% cashback and 5X TREATS Points when Manchester United Wins a Premier League match.
- No minimum spend and no cashback cap.
- Stand a chance to win a trip for 2 to watch Manchester United live every football season.
- Complimentary travel insurance coverage of up to S$300,000.
- Local spending rebate
- No monthly spend required
- No rebate cap
- Travel insurance
- TREATS Points awarded calculated based on blocks of S$5.
- TREATS Points expire after one year.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 26.9 %
Interest on Cash Advance: 26.9 %
Interest Free Period: 20 days
Fees
Annual Fee: S$87.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Air Miles Conversion Fee: S$25
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback (Local)
1.6 %Complimentary Travel Insurance
Up to S$300,000Annual Fee
S$ S$
130.80Min. Annual Income
S$ S$
30,000- Get 1.6% unlimited cashback on your local and foreign spend.
- No minimum spend and no cashback cap.
- Stand a chance to win a trip for 2 to watch FC Barcelona live every football season.
- Complimentary travel insurance coverage of up to S$300,000.
- Annual Fee waiver
- No monthly spend required
- No rebate cap
- Overseas rebate
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 26.9 %
Interest on Cash Advance: 26.9 %
Interest Free Period: 20 days
Fees
Annual Fee: S$130.80
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Maybank Platinum Visa Card
rating
3.3/ 5
Cashback (Local)
Up to 3.33 %Complimentary Travel Insurance
Up to S$500,000Annual Fee
S$ S$
20Min. Annual Income
S$ S$
30,000- Get up to 3.33% cash rebate on all your local and foreign currency spend.
- Earn up to 3% p.a. with the Maybank Save Up Programme, with spends on this credit card being one of the categories.
- Complimentary travel insurance coverage of up to S$500,000.
- Quarterly service fee of S$20 (First 3 Years Free). Subsequently, quarterly service fee is waived when you charge to your Card once every 3 months.
- Local spending rebate
- Overseas rebate
- Annual Fee waiver
- No quarterly cashback if minimum monthly spend is below S$300 each month in a quarter.
- Cashback cap: S$100 per quarter.
- Rebate cap applied
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 26.9 %
Interest on Cash Advance: 26.9 %
Interest Free Period: 20 days
Fees
Annual Fee: S$20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$300
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Maybank Horizon Visa Signature Card
rating
4.3/ 5
Cashback (Local)
0.27 %Complimentary Travel Insurance
Up to S$1,000,000Annual Fee
S$ S$
196.20Min. Annual Income
S$ S$
30,000- Earn 2.8 air miles (7X TREATS Points) per S$1 spent on air tickets and in foreign currencies.
- Earn 1.2 air miles (3X TREATS Points) per S$1 spent on all local shopping, groceries, dining, hotel bookings and more
- Earn miles when you spend on Insurance, Medical, Education, Rentals & more.
- Fuel savings of 20.05% + 3X TREATS Points at Caltex stations with Diamond Sky Fuel card
- Travel in comfort with complimentary access to selected VIP lounges
- Overseas/Foreign spend
- Air tickets
- Dining
- Air miles are only applicable if redemption is made on TREATS SG app
- TREATS Points awarded calculated based on blocks of S$5.
- TREATS Points expire after one year.
- Rebate cap applied
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 26.9 %
Interest on Cash Advance: 26.9 %
Interest Free Period: 20 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Air Miles Conversion Fee: S$25
Eligibility
Monthly Spend Required: S$800
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Citi Clear Card
rating
3.5/ 5
Rewards Points (Local)
1 point per dollarRewards Points (Overseas)
1 point / dollarAnnual Fee
S$ S$
30.52Annual Fee Waiver
1 year- Earn 1X Point* for every S$1 spend
- Enjoy exclusive dining deals at over 1,000 eateries in Singapore
- Enjoy online fashion, lifestyle and travel exclusives at your favourite online brands
- No min. annual income requirement
- Earn 1X Point* for every S$1 spend
- Enjoy exclusive dining deals at over 1,000 eateries in Singapore
- • Enjoy online fashion, lifestyle and travel exclusives at your favourite online brands
Repayment Details
Minimum Payment: 1 %
Late Payment Charge: S$40
Interest on Purchase: 28 %
Interest on Cash Advance: 28 %
Interest Free Period: 25 days
Fees
Annual Fee: S$30.52
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Minimum Annual Income: S$0
Minimum Age: 18 years old
Cashback (Overseas)
2.4 %Cashback (Local)
1.6 %Airport lounge Access
4 visits per year*Annual Fee Waiver
1 year- 2.4% cash rebate on overseas spend and 1.6% cash rebate on local spend, with no min. spend and no earn cap.
- 3% cash rebate on electrical vehicle charging.
- 0.3% cash rebate on selected insurance and education spend, with no minimum spend and no earn cap.
- Enjoy 4 complimentary visits to participating Plaza Premium lounges annually.
- Enjoy personalized concierge services with Visa Concierge.
- First year annual fee waived for principal and supplementary cards.
- Local spending rebate
- No monthly spend required
- No rebate cap
- Airport lounge
- S$2,500 min. monthly spend per billing cycle required to unlock 3% cash rebate on EV charging.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: 5 %
Interest on Purchase: 28.88 % p.a.
Interest on Cash Advance: 28.88 %
Interest Free Period: 23 days
Fees
Annual Fee: S$381.50
Foreign Currency Transaction Fee: 3 %
Air Miles Conversion Fee: S$30.56
Cash Advance Service Charge: S$20
Eligibility
Minimum Annual Income: S$72,000
Minimum Age: 21 years old
Cashback (Dining)
10 %Cashback (Supermarket)
3 %Cashback (Transport)
3 %Annual Fee
S$ S$
207.10- 10% cash rebate on dining & online food delivery globally.
- 8% cash rebate on travel & entertainment spend (MY &ID in-store spend, online travel booking, concert booking, streaming subscriptions).
- 3% cashback on shopping & lifestyle spend (contactless bus & train rides, ride hailing, supermarkets, online purchases).
- Up to 3% cashback on health & wellness spend (hospital bills, vet services & pet shop spend, insurance).
- 0.3% cashback for all other spend categories.
- First year annual fee waived for principal and supplementary cards.
- Dining rebate
- Public transportation
- S$800 min. monthly spend required to unlock boosted cashback rates.
- Boosted cashback categories (Dining & Online Food Delivery / Travel & Entertainment / Shopping & Lifestyle / Health & Wellness) are capped at S$25 each per billing cycle.
- S$207.10 annual fee (inclusive of GST).
- Monthly spend required
- Rebate cap
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: 5 %
Interest on Purchase: 28.88 %
Interest on Cash Advance: 28.88 %
Interest Free Period: 23 days
Fees
Annual Fee: S$207.10
Foreign Currency Transaction Fee: 3 %
Air Miles Conversion Fee: S$30.56
Cash Advance Service Charge: S$20
Eligibility
Monthly Spend Required: S$800
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Airmiles (Local)
1.4 miles per dollarAirmiles (Overseas)
2.8 miles per dollarAnnual Fee
S$ S$
207.10Annual Fee Waiver
1 year- Earn 2.8 miles per dollar on overseas spend (awarded as 14 BOC Bonus Points per dollar).
- Earn 1.4 miles per dollar on local spend (awarded as 7 BOC Bonus Points per dollar).
- Redeem other rewards, such as shopping vouchers
- Enjoy exclusive benefits curated for World Mastercard Cardmembers.
- 24-hour Mastercard Concierge Service
- First year annual fee waiver for primary and supplementary cards.
- Bonus miles
- Unlimited air miles
- S$30.56 airmiles conversion fee
- Airmiles conversion required
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: 5 %
Interest on Purchase: 28.88 %
Interest on Cash Advance: 28.88 %
Interest Free Period: 23 days
Fees
Annual Fee: S$207.10
Foreign Currency Transaction Fee: 3 %
Air Miles Conversion Fee: S$30.56
Eligibility
Minimum Age: 21 years old
Minimum Annual Income: S$30,000
BOC Zaobao Credit Card
rating
2/ 5
Cashback (Zaobao)
10 %Cashback (Dining)
5 %Cashback (Baseline)
1.5 %Annual Fee Waiver
2 years- 1.5% unlimited cash rebate on local and overseas retail spend with no minimum spend.
- Up to 10% cash rebate on Zaobao and SPH newspaper subscriptions with S$400 minimum spend per statement month.
- Up to 5% cash rebate on dining S$400 minimum spend per statement month.
- Waiver of Currency Exchange Fees for retail transactions in RMB.
- Complimentary Sands Rewards Lifestyle Elite tier membership at Marina Bay Sands Rewards membership counter.
- No rebate cap
- Local spending rebate
- Overseas rebate
- Dining rebate
- Bonus cash rebate capped at S$30 per statement month.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: 5 %
Interest on Purchase: 28.88 %
Interest on Cash Advance: 28.88 %
Interest Free Period: 23 days
Fees
Annual Fee: S$205.20
Foreign Currency Transaction Fee: 3.2 %
Air Miles Conversion Fee: S$30.28
Cash Advance Service Charge: 6 %
Eligibility
Minimum Age: 21 years old
Min. Annual Income: S$30,000
Monthly Spend Required: None
BOC Sheng Siong Card
rating
3.5/ 5
Cashback (Local)
12 %Cashback (Overseas)
1.6 %Cashback (Baseline)
0.3 %Annual Fee Waiver
1 year- Enjoy up to 12% cash rebate at Sheng Siong.
- Additional 6% cash rebate on your Sheng Siong purchases when you spend S$600 elsewhere.
- 1.6% unlimited cash rebate on your overseas spend including online purchases.
- 0.3% cashback on all other purchases.
- Supermarket rebate
- No rebate cap
- No monthly spend required
- Minimum S$600 out-store spending required to get the 12% cashback at Sheng Siong. Otherwise, you will be awarded with 6% cash rebate which is not subject to any minimum spend.
- Total cash rebate for Sheng Siong is capped at S$75.
- Rebate cap applied
Repayment Details
Minimum Payment: S$50
Late Payment Charge: 5 %
Interest on Purchase: 28.88 %
Interest on Cash Advance: 28.88 %
Interest Free Period: 23 days
Fees
Annual Fee: S$32.10
Foreign Currency Transaction Fee: 2 %
Air Miles Conversion Fee: S$30
Eligibility
Minimum Age: 21 years old
Min. Annual Income: S$30,000
Monthly Spend Required: None
Airmiles (Overseas)
2.4 miles / dollarAirmiles (Local)
1.4 miles / dollarAirmiles (baseline)
1.4 miles / dollarAnnual Fee
S$ S$
654.00- 12 complimentary lounge passes per statement year at over 1,400 airport lounges worldwide, for you and a guest.
- Earn 2.4 air miles per S$1 spent in foreign currency, and 1.4 air miles per S$1 spent locally.
- Waiver of miles conversion fees.
- Travel with peace of mind with up to S$1,000,000 Travel Personal Accident Insurance coverage.
- 24/7 UOB Visa Infinite Concierge for your banking and lifestyle needs.
- Airport lounge
- Bonus air miles
- Overseas rebate
- Non-waivable annual fee.
- High S$120,000 min. annual income requirement.
- Annual Fee required
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 21 days
Fees
Annual Fee: S$654.00
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$27
Eligibility
Minimum Annual Income: S$120,000
Minimum Age: 21 years old
UOB UnionPay Platinum Card
rating
3/ 5
Cashback
2 %Monthly Spend Required
NoneMin. Annual Income
S$ S$
30,000Annual Fee
S$ S$
196.20- 2% cash rebate on all spends, no minimum spend required.
- Up to 10% discount at over 100 International Airport Duty Free Shops.
- Up to 21.6% fuel savings at SPC.
- 1-for-1 movie tickets at Shaw Theatres.
- 24-hour concierge service for personal lifestyle errands.
- Local spending rebate
- No monthly spend required
- Petrol savings
- Total cash rebate is capped at S$50 per calendar month.
- Rebate cap applied
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 25.9 %
Interest on Cash Advance: 28 %
Interest Free Period: 21 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$27
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Monthly Spend Required: None
UOB Preferred Visa Card
rating
4.7/ 5
Airmiles (Local)
Up to 4 miles / dollarAirmiles Bonus Cap
4,440 miles / monthRewards Points Cap
UNI$ 2,000 / month- 4 miles per S$1 spend on mobile contactless transactions, and selected online shopping and entertainment spend.
- No minimum spend
- Online shopping bonus reward
- Mobile contactless bonus reward
- Installment
- 2-year points validity
- 0.4 miles per dollar on all other eligible spend
- Bonus reward cap applied
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 21 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$27
Eligibility
Min. Annual Income: S$30,000
Minimum Age: 21 years old
How to Choose The Best Credit Cards For You
Choosing the best credit card is vital for your finances and lifestyle. Consider your spending habits, goals, and preferences to optimise your reward. It's a crucial step towards finding the best credit cards for yourself.
- Identify your goals: Determine your primary purpose for getting a credit card, whether it's earning miles, cashback, rewards points, obtaining travel perks, or optimising your current spending habits.
- Compare rewards and benefits: Look for credit cards that offer rewards and perks that align with your spending habits and lifestyle in Singapore. Do also take note of the minimum spend required, if any, and any bonus cap the card might have.
- Check annual fees and interest rates: Consider the costs associated with the credit card, including annual fees and interest rates, and ensure they are reasonable and manageable.
- Assess sign-up bonuses and promotions: Look for attractive sign-up bonuses and ongoing promotions to boost your rewards and savings further.
- Research customer reviews and ratings: Read reviews from other Singaporean cardholders to gauge customer satisfaction and experiences with the credit card and its provider.
- Consider the card's acceptance: Ensure the credit card is widely accepted in Singapore and internationally, especially if you plan to use it during travel.
- Align with lifestyle and spending habits: Choose a credit card that complements your daily expenses and activities. If you frequently dine out, consider a card that offers dining discounts or rewards on dining expenses. If you travel often, choose a card with travel rewards and benefits. A card that aligns with your lifestyle and spending patterns will help maximise your overall credit card strategy.
Visa vs Mastercard vs Amex
Regarding payment networks in Singapore, Visa, Mastercard, and American Express (Amex) are the three leading global payment networks. Understanding their differences can help you choose the best credit card for your needs. Here's a quick comparison:
Visa and Mastercard
These are Singapore's most commonly used payment networks, accepted by most online and offline merchants. Under both Visa and Mastercard networks, various credit card options are available, catering to multiple spending habits and lifestyle preferences, making them highly convenient for day-to-day transactions in the country and during overseas travel.
American Express (Amex)
While less prevalent than Visa and Mastercard, Amex still holds a significant presence in Singapore, particularly among premium cardholders. Amex cards often have exclusive benefits, such as access to luxurious airport lounges, travel perks, and concierge services, appealing to frequent travellers and those seeking elevated privileges. Although Amex is not a bank, it does issue its own credit cards like the Amex Platinum Card and Amex KrisFlyer Ascend Credit Card,
Reward Programmes for Visa, Mastercard and Amex
Each network offers its own rewards programme, providing cardholders with opportunities to earn cashback, loyalty points, or airline miles on their spending. It's essential to compare these rewards programmes and choose the one that aligns best with your spending habits and lifestyle.
Guide to Credit Cards
Learn more about annual fees, credit card charges, transaction fees, cash advances, balance transfers, and minimum payments. These fees may impact your daily spending, so be sure to learn about them to avoid paying additional fees.
Annual Fees
Annual fees are a fixed charge imposed by credit card issuers each year for card membership. They vary depending on the type of credit card and its benefits. Some cards may offer a first-year waiver or promotional offers on annual fees. In most cases, premium cards with exclusive perks often have higher annual fees. Not all credit cards have annual fees; some may be free of any annual fees. It's essential to consider the annual fee's cost relative to the card's benefits and your usage to determine if it's worth paying. Some credit card issuers offer annual fee waivers as promotional incentives for new cardholders or based on spending thresholds and good credit history for existing customers.
Other Credit Card Fees & Charges
Besides annual fees, credit cards may have additional charges that vary between issuers and card types. They are as follows:
- Foreign Transaction Fees: Most credit cards impose a foreign transaction fee whenever you spend overseas or shop on a foreign website. Foreign Transaction Fees typically range from 2.5% to 3.25% on top of the current foreign exchange rate.
- Cash Advance Fees: If you use your credit card to withdraw cash from an ATM, a cash advance fee will apply, often accompanied by higher interest rates. Fees range from 6% to 8% with a minimum of S$15 per transaction.
- Balance Transfer Fees: When transferring balances from one credit card to another, a balance transfer fee may be charged, usually between 2% to 4% of the amount transferred.
- Late Payment Fees: If you fail to make the Minimum Payment Due on or before the Payment Due Date, a Late Payment Charge of S$100 will typically be levied.
- Overlimit Fees: If you exceed your credit card's approved credit limit, an overlimit fee of S$40 may be incurred for each billing cycle in which the overlimit status persists.
- Returned Payment Fees: A fee between S$20 to S$30 may be charged in the event of a bounced or returned payment.
- Finance Charges: If you carry a balance on your credit card, finance charges (interest) will be applied to the outstanding amount, varying based on the card's interest rate and the balance carried.
Understanding Credit Card Minimum Payments
- Credit Card Minimum Payments: The minimum payment is the lowest amount you must pay on your monthly credit card bill to remain in good standing with the issuer. Do note that unpaid credit card debt may snowball out of control.
- Calculation: It is typically a percentage of your outstanding balance (e.g. 27.9% p.a.) or a fixed amount, whichever is higher.
- Purpose: The minimum payment ensures you meet your obligation to the card issuer and avoid late payment fees and negative impacts on your credit score with credit bureaus.
- Risks: Paying only the minimum may lead to accumulating high-interest debt over time, extending the time required to pay off the balance, and incurring additional interest charges.
- Best Practice: To avoid credit card debt escalation, strive to pay your credit card bill in full and on time to save on interest costs. Do note that the longer you owe the bank, the more interest you will incur.
How To Apply For A Credit Card in Singapore
Check Eligibility
Review the eligibility requirements of the chosen credit card to ensure you meet the age, income, and employment criteria if you are a foreigner.
Gather Documents
Prepare the necessary documents, including identification (e.g., NRIC/passport), income proof (e.g., payslips, tax documents), and residency proof (e.g., utility bill).
Online Application
Simply apply for your credit card through SingSaver to receive your promotion or sign-up gift. You will be directed to the bank’s online application form, where you must enter your details accurately and submit your credit card application through their website.
In-Person Application
If preferred, visit a bank branch to apply in person. Bring the required documents and complete the application with the assistance of a bank representative.
Verification
The credit card issuer will verify your information and creditworthiness. This may include checking your credit history and contacting your employer for income verification.
Approval Process
Wait for the bank's approval decision. The processing time varies, but it is usually within a few business days. Some banks provide instant credit card approval, during which time a digital card will be issued to you, which you can use once activated.
Activation of Credit Card
If approved, you will receive your credit card by mail. Activate the card as per the issuer's instructions before using it.
Credit Card Eligibility
- Age Requirement: Generally, the minimum age for credit card applicants in Singapore is 21 years old.
- Income Criteria: Most credit card applications require a minimum annual income, which varies depending on the card type. Common income thresholds in Singapore are between S$30,000 to S$80,000 for basic cards and higher (S$120,000) for premium or exclusive cards.
- Employment Status: Credit card issuers typically require applicants to be employed with a stable source of income. Some issuers may accept applications from self-employed individuals or freelancers with proof of income.
- Credit History: A good credit history is crucial for credit card approval. Lenders assess an applicant's creditworthiness based on their credit score and credit report, considering factors like previous loan repayments and credit card usage.
- Debt-to-Income Ratio: Lenders may also evaluate an applicant's debt-to-income ratio to ensure they have sufficient income to manage potential credit card debt.
- Citizenship/Residency: Applicants must be Singaporean citizens, permanent residents, or holders of a valid work permit or employment pass.
- Financial Obligations: When assessing creditworthiness, credit card issuers may consider an applicant's existing financial obligations, such as outstanding loans or other credit card balances.
Frequently asked questions
When picking a credit card, look at annual fees and waivers, rewards programmes, cashback rates, and interest rates. Think about how these match your spending and financial goals. This will help you find the right card for you.
The DBS Live Fresh Card, OCBC 365 Credit Card, and Citi Cash Back+ Card are top choices in Singapore. They offer great cashback rates and special deals to boost your earnings.
Choose cards linked to airlines or hotels, like the Singapore Airlines KrisFlyer Credit Card or the Maybank Horizon Visa Signature Card. These cards let you earn miles or points for flights, hotels, and travel perks like lounge access and insurance.
Premium cards like the American Express Platinum Card and UOB Reserve VI Card offer special perks. These include concierge services, lounge access, and free hotel stays. But, they have higher fees and income needs.
Many credit card companies in Singapore have sign-up bonuses and special deals. Keep an eye on these offers and apply for new cards when they're good deals. Just remember to meet spending needs and use credit wisely.
To get the most from your credit cards, use several cards for different rewards. Aim to hit spending targets to get sign-up bonuses. And always pay on time and keep your credit use low to manage your credit well.
Many credit cards in Singapore offer rewards tailored to local preferences. These can include cashback on dining at hawker centres, bonus points for shopping during the Great Singapore Sale, or miles for booking staycations at popular hotels like Marina Bay Sands or Changi Jewel.
Yes, some credit cards offer rebates or cashback on public transport expenses. These can include MRT rides, bus fares, and even Grab or taxi rides. Cards like the OCBC FRANK Card and UOB EVOL Card often have such benefits.
Absolutely! Many Singapore credit cards offer enhanced rewards for overseas spending. Some cards even waive foreign transaction fees. Just be sure to inform your bank before you travel to ensure your card isn't blocked for security reasons.
Indeed! Singapore's food culture is reflected in its credit card offerings. Many cards offer enhanced cashback or points for dining out, whether it's at high-end restaurants or local hawker centres. Some even partner with food delivery services for additional rewards on takeaway orders.