The Best Credit Cards for Young Adults in Singapore (2026)
Updated: 13 Jul 2026
The right credit card can earn you substantial rewards and savings. Here, we shortlist the best credit cards designed to support the lifestyles of young working adults in Singapore.
Written bySingSaver Team
Team
The right credit card can earn you substantial rewards and savings. Here, we shortlist the best credit card for young adults singapore designed to support the lifestyles of young working adults in Singapore.
If you've just taken your first steps into the working world, chances are that you'll be on the lookout for a suitable credit card. Now that you're able to meet the minimum income requirements of credit card issuers, a range of credit card options for young adults will open itself up to you.
However, as you'll find from a casual browsing of the choices, not all credit cards are created equal.
Different cards are designed to meet the needs of specific target users. When it comes to finding good credit cards for young adults, common characteristics include supporting online and contactless payments through offering rebates for these payment modes, and providing value for lifestyle spending, such as on dining and entertainment.
But even among these cards, certain qualities set some apart. Some factors you'd want to look out for include: a minimum income requirement that suits your salary, the ability to earn cashback, rewards or miles for what you usually spend on, and a minimum spend (if needed to unlock rebates) that dovetails with your typical budget.
Here, we feature some of the good starter credit cards for young adults and professionals which, as potentially your first credit card, can start you off on the right foot.
| Credit card | Minimum annual income requirement | Rewards | Minimum spend for rewards | Annual fee |
| OCBC FRANK | S$30,000 if Singaporean or PR<br>S$45,000 if foreigner | 8% cashback for online, app, and mobile contactless payments, plus foreign currency spending; 0.3% base cashback for other purchases | S$800/month | S$196.20 (waived for first two years, subsequently waived with S$10,000 annual spend) |
| HSBC Revolution Credit Card | S$30,000 if Singaporean or PR<br>S$40,000 if foreigner | 10X Reward points (4 mpd) on online and mobile contactless transactions; up to 20X points (8 mpd) for eligible premium banking tiers | Nil | Permanently Free |
| UOB EVOL Card | S$30,000 if Singaporean or PR<br>S$80,000 if foreigner | 10% cashback on online, mobile contactless, and recurring digital lifestyle bills; 0% FX fees and up to 1% unlimited cashback overseas | S$800/month | Permanently Free |
| DBS Live Fresh Card | S$30,000 if Singaporean or PR<br>S$45,000 if foreigner | 6% cashback on shopping (online/in-store) and public transport/SimplyGo; 3.25% cashback on in-store overseas spend | S$800/month | S$196.20 (waived for first year) |
| POSB Everyday Card | S$30,000 if Singaporean or PR<br>S$45,000 if foreigner | Up to 10% cash rebate on online marketplaces, food delivery, utilities, and daily essentials | S$800/month | S$196.20 (waived for first year) |
| Citi SMRT Card | S$30,000 if Singaporean or PR<br>S$42,000 if foreigner | 5% SMRT$ rebates on SimplyGo public transport, digital groceries, and online shopping | S$500/month | S$196.20 (waived for first two years) |
| CIMB AWSM Card | S$18,000 for those below 35<br>S$30,000 for those aged 35+ | 1% cashback on dining, entertainment, online shopping, and telecommunications | Nil | Permanently Free |
| BOC F1RST Card | S$18,000 for Singaporeans and PRs | 0.5% cash rebate on all retail spending | Nil | S$203.30 (waived for first two years) |
| KrisFlyer UOB Credit Card | S$30,000 if Singaporean or PR<br>S$80,000 if foreigner | 3 miles per S$1 spend on SIA, Scoot, KrisShop, and everyday lifestyle categories | S$300 annual spend on SIA Group | S$196.20 (waived for first year) |
#1 FRANK by OCBC – for inclusive rebates
FRANK awards you an optimized 8% cashback for online and app spending, mobile contactless payments (such as Apple Pay and Google Pay), and purchases made in foreign currencies. Other purchases qualify for a basic 0.3% cashback.
In other words, if you have subscriptions for services such as Netflix and Spotify, and spend on websites and apps such as Zalora, you'll earn cashback that will maximize your expenditure. While you'll find similar offers from other cards, the cashback option that stands out for FRANK is the competitive rebate you can earn from purchases made overseas in foreign currencies, which serves as an excellent feature for your vacation getaways.
With a balanced monthly cap split evenly between online, in-store mobile payments, and foreign currency spend, you can unlock up to S$100 in cashback value every single month. To qualify for these bonus tiers, you will have to hit a minimum spend of S$800 in a calendar month.
Singapore Citizens and Permanent Residents aged 21 and above, with a minimum annual income of S$30,000, can apply for this card. As far as minimum income requirements go, this is around the norm for a credit card for young working adults Singapore.
#2 HSBC Revolution Credit Card – for no minimum spend
The Revolution Credit Card gives you up to 10X Reward points for online payments, including shopping, ordering food delivery, or making travel bookings. You can also get 10X Reward points for contactless payments made through mobile wallets. That equates to a highly competitive 4 miles per dollar (mpd) or 2.5% cashback equivalent for every dollar spent.
You'll be getting rewards for similar categories as FRANK, but with a major structural advantage: you won't have to hit a minimum spend per month. The accelerated 10X points are capped at the first S$1,000 of eligible spending per calendar month. Upgraded to a premium Visa Signature tier, this functions as one of the ideal good starter credit cards for young adults who want to collect miles without the monthly pressure of high spending thresholds. Furthermore, the complete absence of an annual card fee ensures this card costs nothing to keep in your wallet.
#3 UOB EVOL Card – for higher cashback
UOB’s EVOL Card grants you one of the highest cashback rates on the market, serving up 10% cashback on online and mobile contactless payments, alongside select recurring green merchant bills. It offers 0.3% cashback on other types of standard spending.
To maximize this card, you need to hit a minimum spend of S$800 in a month. The monthly cashback cap is cleanly distributed across categories to help you optimize your regular spending routine. If you travel frequently, the card also provides an added perk of 0% foreign exchange transaction fees alongside unlimited overseas rebates, letting you skip the multi-currency card transferring hassle.
Besides the cashback, you'll get access to extensive lifestyle privileges covering F&B, dining, and eco-conscious merchants. This matches EVOL's green commitments as a bio-sourced card made from sustainable plant-based material. Best of all, UOB features a permanent annual fee waiver on this card, removing standard transaction criteria entirely.
#4 DBS Live Fresh Card – for supporters of sustainable shopping
The Live Fresh Card delivers a structured 6% cashback optimized across your core Shopping needs (both online and in-store retail) and daily Transport spending via SimplyGo.
This card is an outstanding best credit card for young adults singapore looking to build up credit profile habits. It features a streamlined monthly cashback cap of up to S$70 (structured as S$50 for your retail shopping and S$20 for your transit commutes). To activate the 6% bonus tiers, you will need to meet a minimum monthly qualifying spend of S$800.
Additionally, if you are planning to travel around Asia, the card scales up to include a 3.25% cashback rebate on physical in-store foreign currency purchases within selected regional destinations, safely neutralizing standard banking foreign exchange transaction margins.
#5 POSB Everyday Card – for daily needs
If you’re seeking a card that will cover your expenditure at your most-patronised merchants, the Everyday Card may be for you. You'll get up to 10% cashback on major food delivery platforms, select online marketplaces like Shopee and Taobao, and recurring household utilities or telecommunications bills.
Though the coverage of vendors may not be as completely generalized as that of other cards providing blanket rebates for all online shopping, the card excels by offering deep cashback on localized, daily fixed items. This makes it a foundational choice if you are taking on financial independence and paying your own monthly utility bills for the first time.
#6 Citi SMRT Card – for public transport commuters
The Citi SMRT Card stands out for young professionals who rely heavily on public transport and regular grocery runs. It gives you an excellent 5% rebate in the form of SMRT$ on SimplyGo bus and train rides, taxi or private-hire car bookings, supermarket runs, and generalized online shopping platforms.
The primary asset here is its highly reachable minimum spend requirement of just S$500 per month to unlock the full 5% rate. If you spend below S$500, you still earn a base 0.3% rate. The earned SMRT$ can be directly redeemed to offset your subsequent monthly credit card statements, providing clear, tangible cash-to-wallet returns.
#7 CIMB AWSM – for unlimited cashback
If you are a student or a working professional who does not yet meet the standard S$30,000 salary bar, the CIMB AWSM card is structured explicitly for you. For individuals under the age of 35, the minimum annual income floor drops down to just S$18,000.
This card offers a flat 1% unlimited cashback on dining, entertainment, online shopping, and telecommunications charges. With absolutely no monthly minimum spend requirement to hit and a permanently free annual fee structure, it operates as a stress-free entry gateway into the financial world.
#8 BOC F1RST Card – for consistently lower minimum income requirement
The BOC’s F1RST Card also caters specifically to an introductory income tier of S$18,000 for young adults. It awards a stable 0.5% cash rebate on all valid retail spending with no minimum monthly transaction targets. It provides a simple payment vehicle with an upfront annual fee waiver for the first two years of card ownership.
#9 KrisFlyer UOB Credit Card – for wanderlusters
For young adults prioritizing travel milestones, the KrisFlyer UOB Credit Card allows you to fast-track your vacation points. It links directly to your Singapore Airlines KrisFlyer account, offering an uncapped 3 miles per S$1 spent on Singapore Airlines, Scoot, and KrisShop transactions.
Crucially, it also unlocks an un-capped 3 miles per S$1 on everyday lifestyle expenses—including dining, food delivery apps, online shopping, and SimplyGo transit networks. To secure this accelerated everyday miles multiplier, you simply need to charge a combined minimum of S$300 within the card membership year on the Singapore Airlines Group.
Conclusion
When assessing the array of available credit card options for young adults, matching the card to your actual monthly cash flow is vital. If your monthly expenses hover securely above S$800, high-yield cash rebate options like the UOB EVOL or OCBC FRANK will net you the absolute largest dollar savings.
On the other hand, if you prefer a low-maintenance option where you don't have to keep track of minimum spending goals, the permanently fee-free HSBC Revolution Card serves as a brilliant option to accumulate points safely without financial pressure. If you are applying on behalf of a younger sibling or student, looking into the best supplementary credit card singapore for young adults attached to a parent's account is another solid way to build baseline financial literacy safely.
Credit cards can help defray your expenses if you find the right one to suit your needs. Check out SingSaver’s comprehensive comparison of the best credit cards and apply through our website for exclusive offers.
About the author
SingSaver Team
At SingSaver, we make personal finance accessible with easy to understand personal finance reads, tools and money hacks that simplify all of life’s financial decisions for you.