Mobile wallets such as Google pay and Apple Pay offer you an easy and seamless way to use your credit cards to pay for almost everything under the sun, whether it's your MRT/bus journeys, food, or shopping online at your favourite merchants. 

What's more, most credit cards allow you to earn regular rewards when you make payments with a mobile wallet. Check out this curated list of the best credit cards for mobile wallet payments below for your convenience. 

The UOB Preferred Platinum Visa Card is one of the most versatile rewards cards for mobile contactless transactions, earning you up to UNI$10 per S$5 spend (4 mpd) on pretty much anywhere that has a contactless terminal. Just as long as the transaction isn't among the list of exclusions in the UOB Rewards Programme, such as travel-related transactions.   

Aside from the exclusion list, do note that there are a couple of other caveats. Firstly, tapping the physical card will only earn you UNI$1 per S$5 spend (0.4 mpd). Likewise, you'll earn 0.4 mpd for public transport rides, and paying at UOB$ merchants will earn you UOB$ (cashback) instead of UNI$. The reward points are also awarded in S$5 blocks, so your transactions are also rounded to the nearest S$5. 

Besides mobile contactless transactions, the UOB Preferred Platinum Visa Card also offers 4 mpd on eligible online shopping, online dining, and online entertainment spends, based on the following Merchant Category Codes (MCC):

Also read: MCC: The Three Most Important Letters When Earning Air Miles (or Cashback)

 The HSBC Revolution credit card is one of the most versatile miles cards around, allowing you to earn bonus reward points on a wide range of qualifying transactions, from air tickets to dining and groceries to online shopping. 

You’ll earn 10X Reward points per dollar spent on eligible online and offline contactless purchases (including Apple Pay and Google Pay), which is equivalent to 4 miles per dollar (mpd) or 2.5% cashback. 

[Update!] *Since 1 January 2024, the HSBC Revolution Card no longer earns 9X bonus Rewards Points on MCC 4722 (Travel Agencies & Tour Operators) and MCC 7011 (Lodging – Hotels, Motels, and Resorts).

Likewise, from 1 May onwards, MCCs 5411 (Supermarkets), 5499 (Miscellaneous Food Stores), and 5814 (Fast Food) also stop earning 9X bonus Rewards Points. These categories now only earn 1X base reward points – equivalent to 0.4 mpd.

Although this might throw a spanner in your credit card strategy, don't panic! There are other alternative credit cards to consider, such as the ones on this list or our credit card guide! 

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The caveat is that the 10X bonus points are capped at S$1,000 per calendar month (or 9,000 reward points), so anything above that threshold will earn you 1X point per dollar spent instead (or 0.4 mpd). 

You’ll also earn 1X point per dollar if the transactions are qualified but not eligible, such as non-contactless payments, or if the merchant doesn’t fall under the eligible MCC.

Certain transactions are also ineligible for rewards; these include top-ups to mobile wallets (YouTrip, EZ-Link, GrabPay, etc.), payments on utilities, quasi-cash transactions, and more. You may refer to the full list of exclusions here. 

The Citi Rewards Card is another one of our favourite rewards cards. It offers 10X rewards (or 4 mpd) for every dollar spent on eligible retail and online purchases, whether it’s shopping, food delivery, groceries, streaming services, or ride-hailing services. 

However, like the HSBC Revolution, there’s a monthly cap of S$1,000 to earn bonus rewards; once you’ve breached that cap, you’ll only earn 1 Reward point (or 0.4 mpd) for every dollar spent. 

As with all credit cards, there is a list of categories that are excluded from bonus points. Most notably, travel-related transactions (flights, hotel, car rental, etc.) and mobile wallet purchases are excluded. 

For the latter, this means that you won’t earn 10X Rewards points if you use a mobile wallet such as Google Pay or Samsung Pay to pay for transactions (though in-store payments via a mobile wallet will still earn you 10X Rewards points).  

However, you can bypass this by pairing your Citi Rewards Card with the Instarem amaze card and linking your amaze card to Google Pay (Apple Pay isn't currently supported on amaze); the transaction will be counted as an online transaction, and you’ll continue to earn 10X Rewards points/4 mpd as long as they're eligible. 

The amaze card is also a great card for overseas spending. Not only does it offer a competitive foreign currency conversion rate, but you can also earn 1% cashback on foreign transactions.

In other words, the Citi Rewards Card + amaze card combo is one of the best ways to get the most out of your local and foreign spending — don't leave home without it.

If you like the convenience of using mobile wallets such as Google Pay, Apple Pay, and UOB Mighty for your purchases, the UOB One Card offers the same rebates that you would get with the physical card.

In its heyday, the UOB One Card offered up to 5% base cashback every quarter. Though this has since been nerfed to 3.33%, it’s still a solid card worth considering, especially if you have consistent spending habits every month. 

How the cashback mechanism works: you’ll earn a base cashback of 3.33% if you meet the minimum spending requirement of $500, S$1,000, or S$2,000 per month in a quarter. For example, you’ll need to make at least five transactions and spend $2,000 monthly for three months to be eligible for the maximum 3.33% base cashback (S$200). 

On top of the 3.33% base cashback, you’ll also earn an additional cashback of up to 6.67% per quarter if you make a minimum of five transactions in a month a quarter on eligible merchants such as Grab, Shopee, and Dairy Farm merchants. 

For a limited period, new UOB members who sign up for the UOB One Card will also get to enjoy up to 5% enhanced cashback. This effectively means that you can get up to 15% cashback in a quarter. 

If your brain has exploded from information overload, here's a summary table:

As a bonus, you can also earn up to 7.80% p.a. on your UOB One savings account when you spend on selected UOB credit cards, which includes the UOB One Credit Card. 

If you're looking for card with a high cashback and flexibility to choose your preferred cashback categories, the Maybank Family & Friends Card is right up your street. 

This credit card offers 8% cashback on your favourite categories. You can pick 5 out of 10 categories ranging from groceries and dining & food delivery to data communication & online TV streaming, and each category offers up to S$25 cashback. This means that you can rack up to S$125 cashback per month. 

Plus, if you spend a lot of time in Malaysia, rejoice because you'll get an additional category, Malaysian Ringgit Spend, which is automatically included on top of your five preferred categories, giving you additional cashback per month. 

Unlike the UOB One Card, the cashback mechanic on the Maybank Family & Friends Card is more straightforward; to maximise your cashback, you should spend S$312.50 on each of your chosen 8% cashback categories. 

The cherry on top is the Maybank Family & Friends Card also works seamlessly with the Instarem amaze card. 

When paired with Instarem amaze, you’ll get to enjoy lower foreign currency conversion fees and receive 0.5 InstaPoints per S$1 spent on foreign transactions. On top of this, you’ll continue to gain 8% cashback when you dine, shop, pay for public transport, etc. 

However, if you don’t pair it with amaze, you’ll only earn 0.3% base cashback for overseas spending. Another thing to note is the minimum monthly spending is S$800, which is quite high if you’re not a high spender. 

Formerly known as UOB YOLO Card, the UOB EVOL Card offers 10% cashback on online and mobile contactless spends across an extensive list of categories including dining, entertainment, shopping, groceries, food delivery, hotels, and more. 

You'll also earn 10% cashback on overseas transactions, which is capped at S$20 per month. Lastly, you’ll earn 0.3% cashback on all other spending (capped at S$30). 

All in all, you can get up S$30 to S$20 cashback per category and up to S$80 cashback per month. 

However, note that the minimum spend per month is S$800. So, realistically speaking, if you're someone who primarily spends on the mobile contactless and online category, the S$30 cashback cap means that your effective cashback is 3.75% (S$30/S$800).

Also, note that some transactions are excluded from cashback, including petrol, medical expenses, and utility bills.

You can also earn up to 6.00% p.a. on your UOB One savings account when you spend on your UOB EVOL card. 

DBS Live Fresh Card earns you 6% cashback for online transactions and Visa contactless payments, including those made with mobile wallets like Apple Pay, Google Pay, and Samsung Pay. 

The monthly cashback is capped at S$70 per month and split into two categories: S$50 for shopping spend and S$20 for transport spend. Furthermore, no cashback cap is set for all other eligible spend. Though, you’ll need to hit at least S$800 per month to enjoy the maximum cashback. 

The DBS Live Fresh Card also gives you additional perks for categories such as groceries, petrol, and dining. Lastly, there’s also a standard list of exclusions to note, including instalments, cash advances, fees charged by DBS and bill payments via internet banking. Find out more on their FAQ page.

If you have a DBS Multiplier Account, you can earn an interest rate of 1.80% p.a. when you credit your monthly salary and spend at least S$800 per month on your DBS Live Fresh Card. 

The OCBC FRANK credit card offers up to 10% cashback on four categories: online and mobile contactless, green merchants, foreign currency, and other spend with a minimum monthly spend of S$800 per month. 

Here's how the cashback is broken down into.

Essentially, you'll earn 8% cashback on mobile contactless and online transactions, and foreign currency transactions (capped at S$25 per category), plus an additional 2% cashback on green merchants (capped at S$25). You'll also earn 0.3% cashback on other eligible transactions (capped at S$25). All in all, you can enjoy up to S$100 cashback per month.