Best Credit Cards in Singapore (2020)

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Citi Cash Back Card

Citi Cash Back Card

SingSaver's Exclusive Offer
Citi Cash Back Card
S$888
Monthly Spend Required
SingSaver's Exclusive Offer:
Get S$200 cash via PayNow! T&Cs apply.

Standard Chartered Unlimited Credit Card

Standard Chartered Unlimited Credit Card

SingSaver's Exclusive Offer
Standard Chartered Unlimited Credit Card
No Minimum
Monthly Spend Required
SingSaver's Exclusive Offer:
🎧 Get a pair of Jabra Active 75T Wireless Earbuds (worth S$318). T&Cs apply.
Citi PremierMiles Card

Citi PremierMiles Card

SingSaver's Exclusive Offer
Citi PremierMiles Card
S$25
Air Miles Conversion Fee
1.2Miles Per Dollar
Local Spending
2Miles Per Dollar
Overseas Spending
SingSaver's Exclusive Offer:
Get S$200 cash via PayNow! T&Cs apply.

Citi Rewards Card

Citi Rewards Card

SingSaver's Exclusive Offer
Citi Rewards Card
S$30,000
Min. Annual Income
SingSaver's Exclusive Offer:
Get S$200 cash via PayNow! T&Cs apply.

KrisFlyer UOB Credit Card

KrisFlyer UOB Credit Card

Welcome Gift
KrisFlyer UOB Credit Card
No Fee
Air Miles Conversion Fee
3Miles Per Dollar
Overseas Spendingon overseas spending
Welcome Gift:
Receive up to 10,000 KrisFlyer miles and SingSaver-exclusive $20 cash when you apply now. T&Cs apply.
OCBC 365 Credit Card

OCBC 365 Credit Card

SingSaver's Exclusive Offer
OCBC 365 Credit Card
S$800
Monthly Spend Required
SingSaver's Exclusive Offer:
Receive up to S$100 GrabFood vouchers upon card approval. T&Cs apply.
Standard Chartered Spree Credit Card

Standard Chartered Spree Credit Card

Standard Chartered Spree Credit Card
S$30,000
Min. Annual Income
3%
Overseas Spending - Cashback Rateon online spends in foreign currency and all vPost spend
UOB One Card

UOB One Card

Popular
UOB One Card
S$30,000
Min. Annual Income
CIMB Platinum MasterCard

CIMB Platinum MasterCard

CIMB Platinum MasterCard
S$30,000
Min. Annual Income
POSB Everyday Card

POSB Everyday Card

Welcome Gift
POSB Everyday Card
S$30,000
Min. Annual Income
Welcome Gift:
Receive S$150 cashback. Enter the promo code “150CASH” in your application to qualify. T&Cs apply.

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

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

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

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

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

Need some help?

No worries, we've got you covered!

How do credit cards work?

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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