Best Credit Cards in Singapore (2020)

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HSBC Advance Credit Card

HSBC Advance Credit Card

Welcome Gift
HSBC Advance Credit Card
No Minimum
Monthly Spend Required
Welcome Gift:
S$150 cashback or Samsonite luggage for new-to-bank customers + S$20 Grab voucher for SingPass MyInfo applications. T&Cs apply.
HSBC Revolution Credit Card

HSBC Revolution Credit Card

Welcome Gift
HSBC Revolution Credit Card
S$30,000
Min. Annual Income
Welcome Gift:
S$150 cashback or Samsonite luggage for new-to-bank customers + S$20 Grab voucher for SingPass MyInfo applications. T&Cs apply.
HSBC Visa Platinum Credit Card

HSBC Visa Platinum Credit Card

Welcome Gift
HSBC Visa Platinum Credit Card
S$30,000
Min. Annual Income
5%
Cashback on diningon local dining
Welcome Gift:
S$150 cashback or Samsonite luggage for new-to-bank customers + S$20 Grab voucher for SingPass MyInfo applications. T&Cs apply.
HSBC Visa Infinite Credit Card

HSBC Visa Infinite Credit Card

Welcome Gift
HSBC Visa Infinite Credit Card
S$120,000
Min. Annual Income
1.25Miles Per Dollar
Local Spendingon local spend
Welcome Gift:
35,000 miles for new-to-bank customers. T&Cs apply.
HSBC Premier MasterCard® Credit Card

HSBC Premier MasterCard® Credit Card

HSBC Premier MasterCard® Credit Card
S$30,000
Min. Annual Income
Not Available
Local Spending

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

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

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

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

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

Need some help?

No worries, we've got you covered!

How do credit cards work?

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

How do I apply for a credit card?

When can I apply for a credit card?

Confused about credit card terms?

Glossary terms to know for first-time credit card users

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