Maximise your spending power and enjoy attractive rewards with our comprehensive guide. Explore features, benefits, and top recommendations to find the perfect card for your lifestyle. Unlock savings and rewards as we delve into the realm of cashback credit cards in Singapore.
Click here to check out our past Lucky Draw winners!
Best Deal Guarantee
Gift Options
Dyson Supersonic™ hair dryer (worth S$699); or
Nintendo Switch OLED (worth S$549); or
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30); or
Up to S$420
Promotion is valid for new Standard Chartered credit card members
Apply for the Standard Chartered Simply Cash Credit Card and make a min. spend of S$500 within 30 days of card approval to be eligible for rewards
Receive an additional S$70 eCapitaVoucher when you make a min. spend of S$1,000 in the second month after card approval
Receive an additional S$20 eCapitaVoucher when you split the payment for your purchases with SCB EasyPay, pay your bills with SCB EasyBill or put any of your purchases on installment in an SCB Savings Account or Current Account within 60 days of approval
With minimum spending of S$600. On Online Shopping, Groceries, Beauty & Wellness, Pet Shops & Veterinary Services and Cruises only. Capped at $100 per statement month.
Cashback Overseas
0.2 %
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Unlimited 0.2% cashback on all other spends.
Monthly Spend Required
S$ 800
Annual Fee
No Annual Fee
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For all Principal and Supplementary cards.
2 Offers Available
March Madness Grand Lucky Draw
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
Valid until
31 March 2024
Best Deal Guarantee
Apple AirPods Pro 2nd Gen (worth S$365.70)
Valid until
31 March 2024
Best Deal Guarantee
+PLUS Chelsea Check-In 60/25 Luggage (worth S$449)
Valid until
31 March 2024
Best Deal Guarantee
S$280 cash via PayNow
Valid until
31 March 2024
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Things to consider for this product:
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Online shopping rebate
check
Supermarket rebate
check
Annual Fee waiver
remove
Rebate cap applied
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.
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.
March Madness Grand Lucky Draw
Gift Options
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
Promotion is valid for new applicants of participating products only. See the full list here.
Apply for participating products on SingSaver to receive X chances in the March Madness Grand Lucky Draw
1x lucky winner will receive a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
March Madness Grand Lucky Draw runs from 6 Mar 2024 (5:00 PM) to 31 Mar 2024
Click here to check out our past Lucky Draw winners!
Best Deal Guarantee
Gift Options
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30); or
Dyson AM07 Tower Fan (worth S$459); or
Apple AirPods Pro 2nd Gen (worth S$365.70) ; or
Up to S$340
Promotion is valid for new Standard Chartered credit card members only
Apply for the SCB Smart Card or SCB Rewards+ Credit Card and make a min. spend of S$250 within 30 days of card approval to be eligible for rewards
Receive an additional S$20 eCapitaVoucher when you make a min. spend of S$1,000 in the second month after card approval
Receive an additional S$20 eCapitaVoucher when you split the payment for your purchases with SCB EasyPay, pay your bills with SCB EasyBill or put any of your purchases on installment in an SCB Savings Account or Current Account within 60 days of approval
Up to 10% cashback (up to 15% for new UOB credit cardmembers) on online shopping, groceries, health and beauty, convenience stores, transport, food delivery, utilities and more.
Up to 4.33% cashback on Singapore Power 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 7.8% p.a. interest with UOB One Account+.
Min. spend of S$500 / S$1,000 / S$2,000 per month (min. 5 purchases) for 3 consecutive months to earnadditional up to 5% cashback.
Awarding of cash rebate only comes every quarter.
Qualifying monthly spend for cash rebate has to be spread out across min. 5 different purchases.
Welcome Offer
Gift Options
S$350 cash credit
Promotion is valid only for the first 200 eligible new-to-UOB credit cardmembers per month during the promotional period
Make a min. spend of S$1,000 per month for 2 consecutive months from card approval date to be eligible for rewards
8% on any petrol station and grocery store worldwide.
Cashback Overseas
6 %
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6% Cashback on dining at cafés and restaurants worldwide. 0.25% on all other retail spend. No minimum spend. S$80 combined cashback cap across all categories.
Monthly Spend Required
S$ 800 per month
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Capped at S$80 per statement month.
Annual Fee
S$ 196.2
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First Year Waived
2 Offers Available
March Madness Grand Lucky Draw
3x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
Valid until
31 March 2024
Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Valid until
31 March 2024
Best Deal Guarantee
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)
Valid until
31 March 2024
Best Deal Guarantee
Dyson V8 Slim Fluffy (worth S$509)
Valid until
31 March 2024
Best Deal Guarantee
S$400 eCapitaVoucher
Valid until
31 March 2024
Best Deal Guarantee
S$300 cash via PayNow
Valid until
31 March 2024
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Things to consider for this product:
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Dining rebate
check
Supermarket rebate
check
High-value gift
remove
Rebate cap applied
6% cashback on dining at restaurants, cafes, fast food eateries, and caterers (local & overseas).
8% cashback on grocery shopping, both online and at major supermarkets (local & overseas).
Up to 20.88% savings at Esso and Shell, inclusive of 8% cashback for petrol spending.
Use Citi PayAll to 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.
0.25% cashback for all other spending, even if you do not meet the min. monthly spend.
Min. monthly spend of S$800 required to earn bonus cashback.
S$80 combined cashback cap across all categories.
March Madness Grand Lucky Draw
Gift Options
3x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
Promotion is valid for new applicants of participating products only. See the full list here.
Apply for participating products on SingSaver to receive X chances in the March Madness Grand Lucky Draw
1x lucky winner will receive a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
March Madness Grand Lucky Draw runs from 6 Mar 2024 (5:00 PM) to 31 Mar 2024
Click here to check out our past Lucky Draw winners!
Best Deal Guarantee
Gift Options
Dyson Supersonic™ hair dryer (worth S$699); or
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30); or
Nintendo Switch OLED (worth S$549); or
S$350 eCapitaVoucher
Promotion is valid for new HSBC credit cardmembers only
Apply for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
With minimum monthly spend of S$2,000. Receive additional 1% cashback for HSBC banking customers.
Cashback Overseas
2.5 %
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With minimum monthly spend of S$2,000. Receive additional 1% cashback for HSBC banking customers.
Monthly Spend Required
S$ 0
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For base 1.5% cashback. Min. spend of S$2,000 for 2.5% cashback.
Annual Fee
S$ 196.2
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First Year Fee Waived, Perpetual fee waiver for HSBC Advance banking customers.
2 Offers Available
March Madness Grand Lucky Draw
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
Valid until
31 March 2024
Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Valid until
31 March 2024
Best Deal Guarantee
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)
Valid until
31 March 2024
Best Deal Guarantee
Nintendo Switch OLED (worth S$549)
Valid until
31 March 2024
Best Deal Guarantee
S$350 eCapitaVoucher
Valid until
31 March 2024
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Things to consider for this product:
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No monthly spend required
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Travel insurance
check
Annual Fee waiver
remove
Rebate cap applied
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.
Get additional 1% cashback on your credit card spending with HSBC Everyday+ Rewards Programme.
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.
Cashback is capped at S$70 per calendar month.
March Madness Grand Lucky Draw
Gift Options
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
Promotion is valid for new applicants of participating products only. See the full list here.
Apply for participating products on SingSaver to receive X chances in the March Madness Grand Lucky Draw
1x lucky winner will receive a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
March Madness Grand Lucky Draw runs from 6 Mar 2024 (5:00 PM) to 31 Mar 2024
Click here to check out our past Lucky Draw winners!
Best Deal Guarantee
Gift Options
Dyson Supersonic™ hair dryer (worth S$699); or
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30); or
Nintendo Switch OLED (worth S$549); or
S$350 eCapitaVoucher
Promotion is valid for new HSBC credit cardmembers only
Apply for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards
36 yuu Points per S$1 when you pair the yuu card with the yuu app at a yuu merchant.
Cashback Overseas
0.5 %
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1x yuu Point per S$1
Monthly Spend Required
None
Annual Fee
S$ 196.2
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First Year Waived
Offer Available
Welcome Offer
S$388 cashback
Valid until
31 May 2024
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Things to consider for this product:
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Supermarket rebate
check
Dining rebate
remove
Rebate cap applied
remove
Monthly spend required
Up to 36X Points on yuu participating merchants.
1X 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.
Welcome Offer
Gift Options
S$388 cashback
Promotion is valid for new DBS/POSB credit cardmembers only
Apply for participating DBS/POSB credit cards with promo code 388CASH and make a min. spend of S$800 within 60 days of card approval to be eligible for reward
36 yuu Points per S$1 when you pair the yuu card with the yuu app at a yuu merchant.
Cashback Overseas
0.5 %
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1x yuu Point per S$1
Monthly Spend Required
None
Annual Fee
S$ 196.2
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First Year Waived
2 Offers Available
Welcome Offer
S$388 cashback
Valid until
31 May 2024
Welcome Offer
S$60 cashback
Valid until
31 May 2024
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Things to consider for this product:
check
Supermarket rebate
check
Dining rebate
remove
Rebate cap applied
remove
Monthly spend required
Up to 36X Points on yuu participating merchants.
1X 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.
Welcome Offer
Gift Options
S$388 cashback
Promotion is valid for new DBS/POSB credit cardmembers only
Apply for participating DBS/POSB credit cards with promo code 388CASH and make a min. spend of S$800 within 60 days of card approval to be eligible for reward
On McDonald's, Starbucks, Netflix, Spotify etc. Capped at S$15 per month, Additional 5% Green Cashback on selected eco-friendly merchants, Capped at $15 per month.
Cashback Overseas
0.3 %
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Capped at S$20
Monthly Spend Required
None
Annual Fee
S$ 196.2
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First Five Years Waived
Things to consider for this product:
check
Mobile contactless rebate
check
Local spending rebate
check
No income required
remove
Rebate cap applied
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
Monthly credit limit of S$500
Monthly cashback cap of S$50
Terms and Conditions :
Installment Processing Fee: From 2 %
Eligibility :
Minimum Age: 21 years old
Maximum Age: 27 years old
Minimum Annual Income: None
DBS Live Fresh Card
Cashback Local
Up to 6 %
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On Shopping and Transport spend. Capped at S$50 for Shopping spend and S$20 for Transport spend per calendar month.
Cashback Overseas
Up to 6 %
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On Shopping and Transport spend. Capped at S$50 for Shopping spend and S$20 for Transport spend per calendar month.
Monthly Spend Required
S$ 800 per month
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Min. S$800 spend in a calendar month required to earn up to 6% cashback on Shopping and Transport spend. Capped at S$50 for Shopping spend and S$20 for Transport spend per calendar month.
Annual Fee
S$ 196.2
info
First Year Waived
Offer Available
Welcome Offer
S$388 cashback
Valid until
31 May 2024
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Things to consider for this product:
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Online Rebate
check
Shopping
check
Public transportation
remove
Rebate cap applied
remove
Monthly spend required
Get up to 6% cashback on Shopping and Transport spend
Get unlimited 0.3% cashback on all spend
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
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
Welcome Offer
Gift Options
S$388 cashback
Promotion is valid for new DBS credit cardmembers only
Apply for the DBS Live Fresh Card with promo code 388CASH and make a min. spend of S$800 within 60 days of card approval to be eligible for reward
Annual fee waivers after second year are subject to minimum annual spend of S$10,000 per annum.
Things to consider for this product:
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Travel insurance
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Airport lounge
remove
Monthly spend required
remove
Rebate cap applied
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.
Requires minimum spend of S$400 to be eligible for cash rebate.
S$50 cashback cap per month.
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Minimum Annual Income: S$ 30000
DCS Sheng Siong Card
Cashback Local
5 %
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Rebate of up to S$1,000 spent per month at Sheng Siong outlets Capped at S$50 per month.
Cashback Overseas
5 %
Monthly Spend Required
None
Annual Fee
S$ 196.2
info
First Year Waived
Things to consider for this product:
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Supermarket rebate
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Travel insurance
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Installment
check
No expiry air miles
Up to 5% Rebate$ at Sheng Siong with regular card.
Up to 2% Rebate$ at Sheng Siong with S$500 Limit card.
Earn 1 Club Rewards Points when you spend outside Sheng Siong. No expiry to your Club Rewards Points
One complimentary lounge access per calendar year.
Complimentary insurance coverage of up to S$1 million for Regular Credit Cardmembers.
Rebates$ will expire after 30 days and will be forfeited if expired.
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Minimum Annual Income: S$ 30000
DCS DON DON DONKI Card
Cashback Local
5 %
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Rebate of up to S$1,000 spent per month at DON DON DONKI outlets Capped at S$50 per month.
Cashback Overseas
5 %
Monthly Spend Required
None
Annual Fee
S$ 196.2
info
First Year Waived
Things to consider for this product:
check
Supermarket rebate
check
Travel insurance
check
Installment
check
No expiry air miles
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$1 million for Regular Credit Cardmembers.
Rebates$ will expire after 60 days and will be forfeited if expired.
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Minimum Annual Income: S$ 30000
Maybank DUO Platinum MasterCard
Cashback Local
5 %
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Cashback rate on petrol transactions in Singapore and Malaysia.
Cashback Overseas
1.5 %
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No minimum spend and no cap.
Monthly Spend Required
None
Annual Fee
S$ 130.8
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First Three Years Waived
Things to consider for this product:
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Petrol rebate
check
Overseas rebate
check
Travel insurance
check
Annual Fee waiver
5% cashback on petrol in Singapore and Malaysia.
1.5% cashback in foreign currency.
5 TREATS Points per $5 spent in local currency.
Complimentary Supplementary Cards for your loved ones.
Complimentary travel insurance coverage of up to S$500,000.
TREATS Points awarded calculated based on blocks of S$5.
Min. spend of S$300 each calendar month to qualify for bonus TREATS Points, capped at 30,000 bonus TREATS.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
Maybank Platinum Visa Card
Cashback Local
Up to 3.33 %
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Quarterly cashback capped at S$30 with a minimum monthly spend of S$300 per quarter, and S$100 with a minimum monthly spend of S$1,000 per quarter. No quarterly cashback will be awarded if monthly minimum spend isn't met.
Cashback Overseas
Up to 3.33 %
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Quarterly cashback capped at S$30 with a minimum monthly spend of S$300 per quarter, and S$100 with a minimum monthly spend of S$1,000 per quarter. No quarterly cashback will be awarded if monthly minimum spend isn't met.
Monthly Spend Required
S$ 300
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Capped at S$30 cashback per quarter.
Annual Fee
S$ 21.8
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First Three Years Waived
Things to consider for this product:
check
Local spending rebate
check
Overseas rebate
check
Annual Fee waiver
remove
Rebate cap applied
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.
No quarterly cashback if minimum monthly spend is below S$300 each month in a quarter.
Cashback cap: S$100 per quarter.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
DBS SAFRA Card
Cashback Local
3 %
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On local Mastercard contactless transactions with minimum spend of S$500 Earned in the form of SAFRA$ Capped at SAFRA$50 per calendar month.
Cashback Overseas
0.3 %
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Earned in the form of SAFRA$ Capped at SAFRA$50 per calendar month.
Monthly Spend Required
S$ 500
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To qualify for 3% cash rebates.
Annual Fee
Not applicable
Things to consider for this product:
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Mobile contactless rebate
check
Online shopping rebate
remove
Monthly spend required
remove
Rebate cap applied
Enjoy up to 3% cash rebate on local contactless spend and online shopping, including bus/train rides via SimplyGo.
Earn 1 SAFRAPOINT for every dollar spent at participating outlets and facilities at SAFRA.
Doubles as your SAFRA Membership Card.
Enjoy exclusive access to 7 SAFRA Clubhouse islandwide.
Combined DBS and SAFRA privileges that include exclusive discounts and perks at over 1,800 merchant outlets.
No annual fee charged as long as you remain a SAFRA memeber. SAFRA membership fees still applies..
Applicant must be an existing SAFRA member.
Must spend a min. of S$500 in a calendar month to earn 3% cash rebate.
Cash rebates earned will be in the form of SAFRA$ and is capped at SAFRA$50 per card account per calendar month.
SAFRA$ earn will expire 12 calendar months from the date it was earned. All expired SAFRA$ will be forfeited.
Terms and Conditions :
Installment Processing Fee: From 2 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
Maybank Manchester United Platinum Visa Credit Card
Cashback Local
Up to 3 %
info
Unlimited cashback with no minimum spend when Manchester United Wins a Premier Leage Match, otherwise earn 1% unlimited cashback. Bonus cashback capped at S$20 per match day win.
Cashback Overseas
Up to 3 %
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Unlimited cashback with no minimum spend when Manchester United Wins a Premier Leage Match, otherwise earn 1% unlimited cashback Bonus cashback capped at S$20 per match day win.
Monthly Spend Required
None
Annual Fee
S$ 87.2
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First 2 Years Waived, thereafter can be waived if min spend of $3.6K is met per annum
Things to consider for this product:
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Local spending rebate
check
No monthly spend required
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No rebate cap
check
Travel insurance
Earn 1% unlimited cashback and 1X TREATS Points (0.4 miles per dollar) on all transactions.
Earn up to 3% cashback (capped at S$20) and 5X TREATS Points (2 miles per dollar) 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 travle insurance coverage of up to S$300,000.
TREATS Points awarded calculated based on blocks of S$5.
TREATS Points expire after one year.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
UOB UnionPay Platinum Card
Cashback Local
2 %
info
On eligible transactions, capped at S$50 per statement month. No minimum spend.
Cashback Overseas
2 %
info
On eligible transactions, capped at S$50 per statement month. No minimum spend.
Monthly Spend Required
None
Annual Fee
S$ 196.2
info
First Three Years Waived
Things to consider for this product:
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Local spending rebate
check
No monthly spend required
check
Petrol savings
remove
Rebate cap applied
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.
Total cash rebate is capped at S$50 per calendar month.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 40000
DBS Vantage Visa Infinite Card
Cashback Local
1.5 %
info
S$1 local spend = 1.5% cashback
Cashback Overseas
2.2 %
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S$1 overseas spend = 2.2% cashback
Monthly Spend Required
S$ 2,000 per month
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Otherwise 1 miles per dollar for both local and foreign currency spend. (calendar month)
Annual Fee
S$ 599.5
info
Non-waivable for first year. Waiver will be granted in subsequent years with a minimum eligible spend of S$60,000 within in a calendar year.
Offer Available
Welcome Offer
Up to 85,000 miles
Valid until
31 May 2024
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Things to consider for this product:
check
Bonus air miles
check
Local spending rebate
check
Overseas rebate
check
Airport lounge
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.
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).
Welcome Offer
Gift Options
Up to 85,000 miles
Promotion is valid for new and existing DBS credit cardmembers
Apply for the DBS Vantage Card and make a min. spend of S$4,000 within 30 days of card approval to be eligible for reward
New DBS cardmembers will receive 85,000 miles
Existing DBS cardmembers will receive 40,000 miles
No minimum spend; cashback is capped at S$200 per calendar month.
Cashback Overseas
2 %
info
No minimum spend; cashback is capped at S$200 per calendar month.
Monthly Spend Required
None
Annual Fee
S$ 196.2
info
First Year Waived
Things to consider for this product:
check
Online shopping rebate
check
Travel insurance
check
No monthly spend required
remove
Rebate cap applied
Get up to 2% cashback on all purchases with no minimum spend.
Free Insurance Coverage of up to S$1,000,000.
Cashback is awarded up to a monthly spend of S$10,000 (capped at S$200 cashback per calendar month).
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Minimum Annual Income: S$ 30000
DCS Ultimate Platinum Mastercard
Cashback Local
2 %
info
No minimum spend; cashback is capped at S$200 per calendar month.
Cashback Overseas
2 %
info
Card transactions made in foreign currencies will be converted to Singapore Dollars based on a retail rate by DCS plus a conversion commission.
Monthly Spend Required
None
Annual Fee
S$ 196.2
info
First Year Waived
Things to consider for this product:
check
Online shopping rebate
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Travel insurance
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No monthly spend required
remove
Rebate cap applied
Get up to 2% cashback on all purchases with no minimum spend.
Free Insurance Coverage of up to S$1,000,000.
Cashback is awarded up to a monthly spend of S$10,000 (capped at S$200 cashback per calendar month).
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: S$ 30000
BOC Sheng Siong Card
Cashback Local
12 %
info
Up to 12% with S$600 spend outside of Sheng Siong.
Cashback Overseas
1.6 %
info
No cap on cash rebate earned and no minimum spend.
Monthly Spend Required
None
Annual Fee
S$ 32.1
info
First Year Waived
Things to consider for this product:
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Supermarket rebate
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No rebate cap
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No monthly spend required
remove
Rebate cap applied
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.
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$75.
Terms and Conditions :
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Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
ICBC UnionPay Dual Currency Credit Card
Cashback Local
Up to 8 %
info
For all qualifying spend above S$500.
Cashback Overseas
Up to 8 %
info
For all qualifying spend S$500 and above for three consecutive months in a quarter, monthly cashback capped at S$60.
Monthly Spend Required
S$ 500
Annual Fee
S$ 30
info
First Three Years Waived
Things to consider for this product:
check
Local spending rebate
check
Overseas rebate
remove
Monthly spend required
remove
Rebate cap applied
Up to 8% cashback on your spending.
Flexibility in payment currency between USD and SGD for various payment modes in Singapore.
2.5% foreign transaction fee waiver if USD is used.
3-year annual fee waiver.
8% bonus cashback only applies to spends of above S$500 each month for 3 consecutive months, otherwise 0.5% cashback.
Terms and Conditions :
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Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
ICBC Visa Dual Currency Credit Card
Cashback Local
Up to 8 %
info
For all qualifying spend S$500 and above for three consecutive months in a quarter, monthly cashback capped at S$60.
Cashback Overseas
Up to 8 %
info
For all qualifying spend S$500 and above for three consecutive months in a quarter, monthly cashback capped at S$60.
Monthly Spend Required
None
Annual Fee
S$ 30
info
First Three Years Waived
Things to consider for this product:
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Local spending rebate
check
Overseas rebate
remove
Monthly spend required
remove
Rebate cap applied
Up to 8% cashback on your spending.
Flexibility in payment currency between USD and SGD for various payment modes in Singapore.
2.5% foreign transaction fee waiver if USD is used.
3-year annual fee waiver.
8% bonus cashback only applies to spends of above S$500 each month for 3 consecutive months.
Terms and Conditions :
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Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
OCBC 365 Credit Card
Cashback Local
Up to 6 %
info
With minimum spending of S$800 or S$1,600 per calendar month. Cashback capped at S$80 or S$160, depending on minimum spend.
Cashback Overseas
0.25 %
Monthly Spend Required
S$ 800 per month
info
Capped at S$80 cashback per calendar month. Otherwise, min. S$1,600 spend, capped at S$160 per calendar month.
Annual Fee
S$ 196.2
info
First 2 Years Waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.
Things to consider for this product:
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Petrol rebate
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Dining rebate
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Gift: Apple product
remove
Monthly spend required
6% cashback on fuel spend at all other petrol stations.
5% cash rebate on dining spends all day, everyday (includes local/overseas dining and online food delivery).
3% cashback on drugstore purchases, streaming service subscriptions and EV charging expenses.
3% cashback on groceries at supermarkets (both local and overseas) and online groceries.
3% cashback on private hire (Grab/Gojek) and taxi rides (both local and overseas).
3% cashback on recurring telco and electricity bills.
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.
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 $1,600.
Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus cashback.
Interest on outstanding balance increased from 26.88% p.a. to 27.78% p.a.
Terms and Conditions :
Installment Processing Fee : From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
OCBC NXT Credit Card
Cashback Local
Up to 1 %
info
With a minimum spend of $1,000 and above per calendar month, otherwise 0.5% cashback.
Cashback Overseas
Up to 1 %
info
With a minimum spend of $1,000 and above per calendar month, otherwise 0.5% cashback.
Monthly Spend Required
None
Annual Fee
S$ 163.5
info
First 2 Years Waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.
Things to consider for this product:
check
Installment
remove
Rebate cap applied
remove
Monthly spend required
remove
Annual Fee required
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$1,000 or more.
Not applicable to any cash advance, balance transfer, instalment payment plan, interest fees and other promotions and transactions.
Terms and Conditions :
Installment Processing Fee: No processing fee
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
UOB Absolute Cashback Card
Cashback Local
1.7 %
Cashback Overseas
1.7 %
Monthly Spend Required
None
Annual Fee
S$ 196.2
info
First Year Waived
Offer Available
Welcome Offer
S$350 cash credit
Valid until
31 March 2024
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Things to consider for this product:
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No rebate cap
check
No monthly spend required
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Insurance rebate
check
Local spending rebate
1.7% cashback with no spend exclusions.
No min. spend required to attain 1.7% cashback rate.
No cashback cap.
Cashback earned in current statement period is automatically used to offset the following month's bill.
Mobile contactless payment methods not supported.
Welcome Offer
Gift Options
S$350 cash credit
Promotion is valid only for the first 200 eligible new-to-UOB credit cardmembers per month during the promotional period
Make a min. spend of S$1,000 per month for 2 consecutive months from card approval date to be eligible for rewards
1.6% cashback on qualifying purchases in Singapore, no minimum spend and cap.
Cashback Overseas
1.8 %
info
1.8% cash rebate on qualifying overseas spend, with no minimum spend and cap.
Monthly Spend Required
None
Annual Fee
S$ 374.5
info
First Two Year Waived
Things to consider for this product:
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Local spending rebate
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No monthly spend required
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No rebate cap
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Airport lounge
1.6% cash rebate on all qualifying local spend and 1.8% cash rebate on all qualifying overseas spend.
No minimum spend and earn cap.
1.8% cash rebate on selected green merchants and electrical vehicle charging.
0.3% cash rebate on selected insurance and education spend.
4X complimentary access to participating Plaza Premium lounges annually.
Personalised concierge services with Visa Concierge.
S$120,000 annual income
S$378 annual fee
Terms and Conditions :
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Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 120000
Maybank FC Barcelona Visa Signature Card
Cashback Local
1.6 %
info
Unlimited cashback, no minimum spend.
Cashback Overseas
1.6 %
info
Unlimited cashback, no minimum spend.
Monthly Spend Required
None
Annual Fee
S$ 130.8
info
First 2 Years Waived, thereafter can be waived if min spend of $10K is hit per annum
Things to consider for this product:
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Annual Fee waiver
check
No monthly spend required
check
No rebate cap
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Overseas rebate
Get 1.6% unlimited cashback on all your local spend.
No minimum spend and no cashback cap.
Earn 2X TREATS Points for every S$5 spent on foreign currency transactions.
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.
Overseas spend only earns you 0.8 miles per S$10 (or 0.8% cashback).
2X TREATS Points for every S$1 spent on foreign currency.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
American Express CapitaCard
Cashback Local
0.5 %
info
At participating merchants in CapitaLand malls. Receive 15 STAR$ per S$1 spent, equivalent to 1.5% cashback.
Cashback Overseas
0.5 %
info
At STAR$® XTRA participating merchants. Receive 65 STAR$ per S$1 spent, equivalent to 6.5% cashback and earn 5 STAR$® for every S$1 spent on eligible purchases outside CapitaLand Malls.
Monthly Spend Required
None
Annual Fee
S$ 174.4
info
First Year Waived
Things to consider for this product:
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Retail rebate
check
Department store rebate
remove
Annual Fee required
remove
Rebate cap applied
Up to 8% rebate in STAR$ when you spend at Capitaland Malls.
Enjoy 3-hour complimentary parking at participating CapitaLand Malls when you spend S$1,200 a month.
Annual fee of S$174.40 waived for the first year.
STAR$® can only be redeemed for eCapitaVoucher in denominations of 5,000, 10,000 or 50,000 STAR$® only.
STAR$® earned for spending at participating CapitaLand Malls are capped at S$1,200 per calendar month.
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: Conditional
BOC Zaobao Credit Card
Cashback Local
1.5 %
info
No minimum spend and no cap on cashback earned.
Cashback Overseas
1.5 %
info
On retail spend
Monthly Spend Required
None
Annual Fee
S$ 205.2
info
First Two Years Waived
Things to consider for this product:
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No rebate cap
check
Local spending rebate
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Overseas rebate
check
Dining rebate
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.
Bonus cash rebate capped at S$30 per statement month.
Terms and Conditions :
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Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
BOC Family Card
Cashback Local
0.3 %
info
With minimum monthly spend of S$800.
Cashback Overseas
0.3 %
info
With minimum monthly spend of S$800.
Monthly Spend Required
S$ 800
Annual Fee
S$ 205.2
info
First Year Waived
Things to consider for this product:
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Dining rebate
check
Public transportation
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Monthly spend required
remove
Rebate cap applied
10% cash rebate on dining and movies.
5% cash rebate on Family Club Merchants, including Best Denki, Popular Bookstore, Unity Pharmacy, Watsons, and more.
3% cash rebate on public transport.
3% cash rebate on supermarket, online purchases, and hospital.
0.3% cash rebate on all other eligible spend.
S$205.20 annual fee (inclusive of GST).
Terms and Conditions :
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Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
Citi SMRT Card
Cashback Local
0.3 %
Cashback Overseas
0.3 %
Monthly Spend Required
S$ 500
Annual Fee
S$ 194.4
info
First Two Years Waived
Things to consider for this product:
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Public transportation
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Grab/taxi rebate
check
Online shopping rebate
remove
Monthly spend required
5% savings on online purchases.
5% savings at all supermarkets & grocery stores.
5% savings on taxi & public transport rides.
Minimum monthly spend of S$500 required to get higher cashback rates.
Terms and Conditions :
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Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
Maybank eVibes Card - The Student Card
Cashback Local
1 %
Cashback Overseas
1 %
Monthly Spend Required
None
Annual Fee
S$ 21.8
info
First Two Years Fee Waived, if there is at least 1 transaction every quarter.
Things to consider for this product:
check
Local spending rebate
check
No rebate cap
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No monthly spend required
check
Student card
1% cashback on all spend.
Additional 8% off on Agoda till 31 Dec 2023.
Low quarterly service fee of $5. Waivable when you charge to your card once every three months.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 18 years old
Maximum Age: 30 years old
Minimum Annual Income: None
Citibank M1 Platinum Visa Card
Cashback Local
0.3 %
info
0.3% Citi Rebate on All Local Retual Purchases. 1 Citi Rebate = 1 SGD
Cashback Overseas
0.3 %
info
0.3% Citi Rebate on All Local Retual Purchases. 1 Citi Rebate = 1 SGD
Monthly Spend Required
None
Annual Fee
S$ 194.4
info
First Year Waived
Things to consider for this product:
check
Retail rebate
check
No expiry air miles
remove
Monthly spend required
remove
Rebate cap applied
Earn up to 10% Citi M1 rebate on your M1 recurring bills and 0.3% Citi M1 rebate on retail transactions.
Enjoy 10% off devices and up to 1% Citi M1 Rebate on purchases at M1 stores.
Citi M1 rebate does not expire.
0.3% cash rebate on eligible retail purchases.
Terms and Conditions :
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Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
DBS World Business Card
Cashback Local
1 %
info
1% cash rebate on local dining, entertainment, and travel. S$10 = 5 DBS Rewards Points (equivalent to 1% cash rebate).
Cashback Overseas
2 %
info
Every S$10 spent = 10 DBS Rewards Points (equivalent to 2% cash rebate/20 air miles).
Monthly Spend Required
None
Annual Fee
S$ 410.4
info
First Year Waived
Things to consider for this product:
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Airport lounge
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Local spending rebate
check
Overseas rebate
remove
Annual Fee required
Up to S$1 million travel insurance coverage for accidental death of total permanent disability.
10 free airport lounge access per calendar year via Priority Pass.
2% cash rebate on foreign currency transactions.
1% cash rebate on local dining, entertainment, and travel transactions.
Up to S$1.65 million employee misuse coverage.
0.3% cash rebate on other transactions.
S$410.40 annual fee per year.
S$80,000 income requirement.
S$3,000 minimum monthly spend.
Terms and Conditions :
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Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 80000
HSBC Premier MasterCard® Credit Card
Cashback Local
1 %
Cashback Overseas
1 %
Monthly Spend Required
None
Annual Fee
Free for life
Things to consider for this product:
check
Local spending rebate
check
Overseas rebate
remove
Monthly spend required
remove
Rebate cap applied
5% cash rebate on eligible dining, groceries, petrol, and transport transactions, both locally and abroad.
Earn additional 1% cashback with HSBC Everyday+.
Complimentary travel insurance coverage of up to S$1,000,000 (including COVID-19 coverage).
Enjoy a variety travel privileges.
No annual fee
1 Reward Point per S$1 for all other eligible transactions.
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
ICBC Chinese Zodiac Credit Card
Cashback Local
1.6 %
info
No minimum spend and no cap on cashback earned.
Cashback Overseas
1.6 %
info
No minimum spend and no cap on cashback earned.
Monthly Spend Required
None
Annual Fee
S$ 150
info
First Three Years Waived
Things to consider for this product:
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Overseas rebate
check
No rebate cap
check
No monthly spend required
check
Local spending rebate
1.6% unlimited cashback on local and overseas spend with no minimum spend.
3-year annual fee waiver.
12 different card designs to choose from.
Terms and Conditions :
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Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
UOB Singtel-UOB Card
Cashback Local
1 %
info
1% cashback if your Singtel bill and GOMO charges are less than S$50 per month.
Cashback Overseas
1 %
info
1% cashback if your Singtel bill and GOMO charges are less than S$50 per month.
Monthly Spend Required
None
Annual Fee
S$ 196.2
info
First Year Waived
Things to consider for this product:
check
Voucher redeemable
check
Annual Fee waiver
remove
Rebate cap applied
remove
Monthly spend required
Enjoy up to S$360 cashback per year on your consolidated Singtel bills and monthly GOMO charges.
Enjoy exclusive Singtel privileges when you charge your card.
Get up to S$300 Sintel vouchers per year when you spend S$24,000 in a year.
Cashback only valid for Singtel bills and GOMO charges.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
UOB Regal Business Metal Card
Cashback Local
1.5 %
info
No minimum spend required
Cashback Overseas
2 %
info
No minimum spend required
Monthly Spend Required
None
Annual Fee
S$ 686.36
info
Non-waivable
Things to consider for this product:
check
Airport lounge
check
Dining rebate
check
Overseas rebate
remove
Annual Fee required
Unlimited access to over 1,300 airport lounges worldwide via DragonPass.
2% cash rebate on overseas spend.
1.5% cash rebate on local card spend.
Complimentary travel accident insurance of up to US$500,000 for you and your family members.
Exclusive dining, hotel, lifestyle, and medical perks.
Accor Plus membership with exclusive benefit of stay four nights for price of three nights and auto-enrolment to Silver membership status in Le Club AccorHotels loyalty programme.
0.3% cash rebate on utilities.
S$686.36 non-waivable annual fee
By invitation only
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: By invite only
Min. Annual Income: By invite only
UOB Metro-UOB Card
Cashback Local
0.2 %
info
(Indirect Cashback) S%5 local spend = UNI$1. UNI$2000 redeems $20 vouchers. Equivalent to 0.2% cashback.
Cashback Overseas
0.2 %
info
(Indirect Cashback) S$5 local spend = UNI$1. UNI$2000 redeems $20 vouchers. Equivalent to 0.2% cashback.
Monthly Spend Required
None
Annual Fee
S$ 196.2
info
First Year Waived
Things to consider for this product:
check
Retail rebate
check
Dining savings
check
No monthly spend required
check
No rebate cap
Get 10% off regular-priced items all year round at Metro.
Enjoy 5% Metro$ rebates on all merchandise, including sale items at Metro.
Earn UNI$1 for every S$5 spent; redeem over 1,000 rewards from dining treats to shopping vouchers.
Indulge in savoury treats and discounts at over 1,000 dining establishments.
20% off regular items in Metro on your birthday month.
Exclusive invites to Double Metro$ Day, events and previews.
Free delivery service when you spend a minimum of S$150 nett at Metro.
10% discounts applies to regular-priced items with a blue tag.
5% rebate is awarded in the form of Metro$ based on the nett amount charged to the Metro-UOB Card.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
UOB Professionals Platinum Card
Cashback Local
0.2 %
info
S$5 local spend = UNI$1. UNI$2000 redeems $20 vouchers. Equivalent to 0.2% cashback.
Cashback Overseas
0.2 %
info
(Indirect Cashback) S$5 local spend = UNI$1. UNI$2000 redeems $20 voucher. Equivalent to 0.2% cashback.
Monthly Spend Required
None
Annual Fee
Free for Life
Things to consider for this product:
check
Dining savings
check
Petrol savings
check
Annual Fee waiver
check
Retail rebate
Earn 1 SMART$ for every S$1 spent to offset your purchases.
Get up to 10% SMART$ rebate at participating stores islandwide.
Exclusive dining offers at the likes of Din Tai Fung, The Fullerton Hotel Singapore, Goodwood Park Hotel, Timbre and more.
Enjoy up to 20.8% and 24% fuel savings at Shell and SPC respectively.
Lifetime annual fee waiver.
Applicant must be an existing member of Alumni Association, ISCA, Law Society of Singapore, SMA or ACCA.
UNI$ will not be awarded on transactions at SMART$ merchants where SMART$ are issued.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
NTUC Link Credit Card by Trust Bank
Cashback Local
0.22 %
info
2.5% on FairPrice groceries.
Cashback Overseas
0.22 %
info
2.5% on FairPrice groceries.
Monthly Spend Required
None
Annual Fee
No Annual Fee
Things to consider for this product:
check
Supermarket rebate
check
Petrol rebate
check
Annual Fee waiver
remove
Monthly spend required
No foreign transaction fees (not even the 1% Visa charge).
Up to 21% savings on groceries and food at FairPrice Group merchants.
Up to 20.2% petrol savings at Caltex and Esso.
No annual fees and cash advance fees.
Track rewards and get repayment reminders with the Trust app.
Rates are exclusive for NTUC Union Members only. Savings are up to 15% for Non-Union Members.
Cashback provided in Linkpoints.
Terms and Conditions :
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Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
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Comparison of the Best Cashback Credit Cards in Singapore
Cashback Credit Cards With Minimum Spend and Cashback Cap
The following cashback credit cards require cardholders to spend a specified amount within a certain timeframe to qualify for cashback rewards. They also have a cashback cap that sets a maximum limit on the amount of cashback a cardholder can earn within a specified period, often monthly or annually.
Credit Card
Best for/Benefits
Citi Cash Back Card
- 8% cashback on Groceries and Petrol - 6% cashback on Dining - 0.25% cashback on all other spending
CIMB Visa Signature Card
- 10% cashback on Online Shopping, Groceries, Beauty & Wellness, Pet Shops & Vet services, and Cruises - Unlimited 0.2% cashback for all other spending
Maybank Family & Friends Card
- 8% cashback on 5 selected categories: 1) Groceries 2) Dining & Food Delivery 3) Transport, Data Communication & Online TV Streaming 4) Retail & Pets 5) Online Fashion 6) Entertainment 7) Pharmacy 8) Sports & Sports 9) Apparels 10) Beauty & Wellness
- 0.25% cashback on all other spending
POSB Everyday Card
No min. spend - 5% cash rebate on Sheng Siong Groceries - Up to 3% cash rebate on Utilities - 20.1% + 2% savings on SPC Fuel and SpeedyCare respectively - 3% cash rebate at Pet Lovers Centre with min. S$15 spend
Min. S$800 spend - 10% cash rebate on Online Food Delivery (foodpanda, Deliveroo) - 3% cash rebate on Dining - 5% cash rebate on Online Shopping (e.g. Lazada, Shopee, Taobao, etc.) - 8% cash rebate at POPULAR online and in-stores - Extra 2% cash rebate at SPC - 3% cash rebate on Telco
UOB EVOL Card
- 8% cashback on Online Spend - 8% cashback on Mobile Contactless Spend - 0.3% cashback on all other spending
DBS Live Fresh Card
- 6% cashback on local and overseas shopping spend and transport spend (including SimplyGo) - 0.3% unlimited cashback on all other spending
OCBC FRANK Card
- 8% cashback on Foreign Currency (FCY) Spend - 8% cashback on Online and Mobile Contactless Spend - Extra 2% cashback on selected Eco-Friendly Merchants - 0.3% cashback on all other spending
OCBC 365 Card
- 5% cashback on Dining and Online Food Delivery - 6% cashback on Petrol - 3% cashback on Groceries, Land Transport, Utilities, Streaming Subscriptions, Drugstore and Electric Vehicle Charging - 0.25% cashback on all other spending
UOB One Card
- New-to-UOB customers: Up to 15% cashback on public transport, McDonald's, Shopee, Dairy Farm International merchants, Grab, and UOB Travel - Up to 22.66% fuel savings at Shell and SPC - Existing UOB customers: Up to 10% cashback
HSBC Advance Card
- Up to 2.5% cashback on all spend - Up to 3.5% cashback with HSBC Everyday+ Account - Up to S$500,000 complimentary Travel Insurance
Cashback Credit Cards With No Minimum Spend and No Cashback Cap
The cashback credit cards below have no minimum spend, which means they offer rewards without requiring a specific spending threshold within a given period. Additionally, they do not impose a maximum limit on the amount of cashback a cardholder can earn, providing unlimited cashback potential.
Credit Card
Best for/Benefits
Citi Cash Back+ Card
- 1.6% unlimited cashback on all spending
AMEX True Cashback Card
- 1.5% unlimited cashback on all spending (including education fees, insurance, healthcare, utilities and telco) - Enjoy 3% welcome bonus cashback on up to S$5,000 eligible spend within first 6 months of card approval
Standard Chartered Simply Cash Card
- 1.5% unlimited cashback on all spending
UOB Absolute Cashback Card
- 1.7% unlimited cashback on all spending - Includes insurance, school fees, wallet top-ups (excludes Grab), healthcare, utilities & telco bills, and rental
Maybank FC Barcelona Visa Signature Card
- 1.6% unlimited cashback on all local spending
CIMB World Mastercard
- 2% unlimited cashback on Dining & Online Food Delivery, Movies & Digital Entertainment, Taxi & Automobile, and Luxury Goods - 1% unlimited cashback on all other spending - 50% off Green Fees at regional golf courses - US$32 per pax per visit to LoungeKey airport lounges worldwide
CIMB Visa Infinite Card
- 2% unlimited cashback on Travel, Overseas Spend, and Online Spend in Foreign Currencies - 1% unlimited cashback on all other spending - 3 complimentary Airport Lounge Visits per year and up to 25% off selected Airport Dining worldwide - 5% off for Airport Limo Transfer and Meet & Greet Services - Up to S$1 million complimentary Travel Insurance
How Does A Cashback Credit Card Work?
Earning Cashback
When you use a cashback credit card for eligible purchases, you earn a percentage of the purchase amount as cashback. The percentage can vary depending on the specific credit card and the type of transaction.
Cashback Earn Rate for Categories and Tiers
Cashback credit cards often have different categories or tiers with varying cashback rates. For example, you might earn a higher percentage for purchases in specific categories like groceries, gas, or dining out.
Redemption Options
Generally, cashback credit cards offer instant gratification by crediting your cashback to your credit card each month. However, some cashback cards may offer alternative redemption options, such as direct deposits into a linked bank account, gift cards, or merchandise. The options vary depending on the credit card issuer.
Cashback Terms and Conditions
It's crucial to be aware of the terms and conditions associated with the cashback program. Some cards may restrict the maximum cashback amount, expiration dates for earned rewards, or specific spending thresholds to qualify for higher cashback rates.
Is it Possible to Earn Unlimited Cashback?
"Unlimited cashback" typically refers to a rewards program with no cap on the amount of cashback you can earn. However, it's important to note that the term "unlimited cashback" can be a bit misleading. Most cashback credit cards have certain limitations and terms associated with their rewards programs. Here are some factors to consider:
Cashback Earn Percentage and Categories
Credit cards often have different cashback percentages for various spending categories. While some cards offer a flat-rate cashback on all purchases, others may provide higher rewards for specific categories such as groceries, gas, or dining.
Spending Caps or Thresholds
Some cashback credit cards may impose spending caps or thresholds, limiting the amount of cashback you can earn. For example, a card might offer 3% cashback on the first $5,000 in purchases and then 1% on additional spending.
When it comes to unlimited cashback, the "unlimited" aspect usually refers to the absence of a cap on the total cashback you can earn rather than an unrestricted percentage on all spending.
Rotating Categories
Certain cashback cards have rotating categories that change periodically. These categories typically offer higher cashback rates for a limited time. However, there may be quarterly or yearly caps on the amount of spending eligible for the elevated cashback rate.
Terms and Conditions
The policies of the credit card issuer play a significant role. It's essential to review the cardholder agreement to understand any restrictions, expiration dates on rewards, or changes to the cashback program.
Additionally, some issuers may have more generous cashback programs than others. It's advisable to compare different credit cards to find one that aligns with your spending habits and preferences.
Cashback Vs Miles: What's The Difference?
Cashback and miles are distinct types of credit card rewards. Cashback rewards are provided in the form of actual cash or statement credits, offering high flexibility as you can use the cash in any way you choose. It is a straightforward system with redemption options, including statement credits, direct deposits, gift cards, or merchandise.
On the other hand, miles, also known as travel rewards or points, are specific to travel-related expenses. Miles are often tied to a particular airline or travel loyalty program, offering benefits such as priority boarding or travel insurance or rewards such as free flights or ticket upgrades.
Cashback is versatile and best for those looking for instant gratification. Meanwhile, miles are best used for travel-related redemptions and may come with additional travel perks. Ultimately, the choice between cashback and miles depends on individual preferences, spending habits, and the desired type of rewards.
Top Picks For The Best Cashback Credit Cards for Different Types of Users
Best Cashback Card for Groceries and Petrol
Citi Cash Back Credit Card
If you take your family out for meals and grocery shopping, the Citi Cash Back Card (not the same as the Citi Cash Back+ Card) is a good credit card to have. It gives you a nice 8% cashback for groceries and petrol, and you also get 6% cashback for dining. However, all other spend outside those categories will earn just 0.25% cashback.
However, keep in mind that you need to spend at least S$800 every month to get cashback. Plus, the cashback cap each month across all categories is S$80. Still, that's a pretty good saving of S$80 every month.
Best Cashback for Everyday Spend
POSB Everyday Credit Card
The POSB Everyday Card is great for everyday savings, especially if you shop at Sheng Siong. The card gives cashback on various everyday expenses, like food delivery, groceries, transport, and bills.
The card has two spending levels: no minimum and S$800 per month. Your cash rebates depend on your spending tier. For instance, spending a minimum of S$800 per month makes you eligible to enjoy up to 10% cash rebates on various categories. But, even if you don't spend S$800 in a month, you still get the highest 5% cash rebate on Sheng Siong groceries, utilities, and petrol at SPC. Cashback caps vary per category, including Daily$30 per calendar month for Sheng Shiong.
Best Cashback Card for High Spenders
CIMB Visa Signature Credit Card
The CIMB Visa Signature Card offers a high bonus cashback rate, up to 10%, in specific categories like online shopping, groceries, beauty & wellness, pet shops & veterinary services, and cruises. It offers a decent S$100 cap on bonus cashback earned per month, S$20 per category.
Like many credit cards, the CIMB card has a minimum monthly spend of S$800. However, it does offer unlimited 0.2% cashback on all spend with no minimum spend or cap. Plus, this card also has no annual fees and offers free supplementary cards for life.
Best Cashback Card for Online Shopping
UOB EVOL Credit Card
Considering a cashless lifestyle? Try the UOB EVOL Card. It's easy for digital users, offering 8% cashback on online and contactless purchases and 0.3% cashback on all other spends.
The card has a modest S$600 monthly spend requirement, with cashback capped at S$60, distributed in S$20 increments per category. No annual fees too if you make 3 eligible transactions monthly – simple for most users!
Tips to Earn Cashback Fast
To earn cashback quickly with your credit card, consider the following tips:
Take advantage of any bonus categories or promotions offered by your card. Many cards rotate bonus categories each quarter, providing opportunities for increased cashback.
Meet Minimum Spending Requirements
If your cashback card has minimum spending requirements to unlock higher rewards, try to consolidate your purchases to meet these thresholds and maximize your earnings.
Shop at Online Shopping Portals If Required
Check if your credit card issuer provides an online shopping portal. Shopping through these portals can offer additional cashback or rewards in addition to your regular card benefits.
Stack Rewards Programs
Explore opportunities to stack cashback rewards by combining credit card benefits with other cashback or loyalty programs offered by retailers or third-party platforms.
Maximize Welcome Bonuses
Capitalize on welcome bonuses offered by credit card issuers. Many cards provide a substantial cashback reward or bonus points for reaching a specified spending threshold within the initial months of card ownership.
Use the Card for Everyday Expenses
Opt to use your cashback card for everyday expenses, such as groceries, gas, dining, and utility bills. This helps to quickly accumulate cashback on essential purchases.
Frequently Asked Questions
How to redeem your cashback?
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Depending on your card issuer, redemption processes might defer. Keep an eye on your cashback balances and pick a redemption method that suits your preferences – like statement credits, bank transfers or vouchers.
How do I apply for a cashback credit card?
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Click through Singsaver’s page to be redirected to the credit card issuer’s page to fill in your application form. Doing so through Singsaver will allow you the chance to redeem rewards of your choice. You will also be required to submit required supporting documents such as proof of income or CPF statements.
What's the difference between cashback, rewards points and miles?
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Cashback is a direct monetary reward where a percentage of your spending is returned to your credit card account, allowing you to offset your next credit card bill.
Rewards points are earned through credit card spending and can be redeemed for various rewards, including merchandise, gift cards, or even converted into miles for travel benefits.
Miles are a type of reward currency earned through travel credit cards, redeemable for flights, hotel stays, upgrades, and other travel-related benefits.
What are some of the benefits of using a Cashback Credit Card?
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Direct Savings
Cashback credit cards provide immediate savings on everyday expenses, reducing your overall spending.
Flexibility
Cashback can be used for anything, giving you the freedom to allocate the savings as you see fit.
Simple Redemption
Cashback rewards are straightforward to redeem, often directly applied to your credit card statement or deposited into your account.
No Expiry
Unlike some rewards points or miles, cashback rewards typically do not have an expiry date.
Is it possible to get unlimited Cashback?
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While cashback credit cards may offer high cashback rates and have no cap on earnings, most cards come with certain limitations. There may be monthly or annual cashback caps, spending category restrictions, or promotional periods with enhanced cashback rates. Always review the specific terms and conditions of the cashback credit card to understand any caveats on earning cashback rewards.