Best Family Credit Cards in Singapore for 2025

Raising a family in Singapore means managing a steady stream of expenses — from groceries and school fees to utility bills, dining out, transport, and the occasional family holiday. With the cost of living still elevated despite easing inflation, finding ways to stretch your dollar matters more than ever. That’s where the right credit card comes in.

The best credit cards for families can turn your everyday spending into cashback, rewards points, or travel perks — all without the hassle of complicated terms. Many offer generous returns on the categories families spend the most on: groceries, petrol, dining, and travel. 

In this guide, we’ve rounded up the best credit cards that are especially well-suited for family needs in Singapore, breaking them down by key spending categories. Whether you’re looking to earn miles for your next trip or simply save more on weekly essentials, there’s a card that can lighten the load.

>> MORE: Which credit cards should low-income earners in Singapore consider?

Groceries and fuel are unavoidable expenses for most families in Singapore. Whether you’re stocking up at Giant or Cold Storage, or fuelling up at Shell or SPC, these routine purchases add up quickly. That’s why choosing a card that rewards you generously on these essentials can make a real difference over time.

The UOB One Card stands out as one of the best credit cards for the aforementioned recurring household expenses, thanks to its high cashback potential of up to 10% across everyday categories. If you spend at least S$500 every month for three consecutive months (and make at least five purchases monthly), you’ll earn 3.33% base cashback on all retail spend. Upsize that to up to 10% total cashback when you shop with selected partners like Cold Storage, CS Fresh, 7-Eleven, Shopee, Grab, McDonald’s, and SimplyGo.

For families who drive, the petrol perks are especially attractive. Enjoy up to 24% fuel savings at Shell and up to 22.66% at SPC when paired with an SPC&U card — excellent value for anyone shuttling kids or running errands across the island.

As a bonus, the UOB One Card also includes complimentary travel insurance coverage, which adds an extra layer of peace of mind for family holidays.

>> MORE: Full review of the UOB One Credit Card

Between family meals, grocery hauls, and weekend entertainment, household spending can quickly pile up. That’s where the Maybank Family & Friends Card comes in — it offers practical cashback rewards across a wide range of family-friendly categories without the stress of annual fees (with minimum spend).

Cardholders can enjoy up to 8% cashback in categories such as groceries, dining, food delivery, online TV streaming services, entertainment, and even wellness. Whether you’re buying groceries at your usual supermarket, ordering in for movie night, or paying for your concert tickets, this card gives you the flexibility to choose cashback categories that suit your family’s lifestyle.

To unlock the 8% cashback, you’ll need to spend at least S$800 per month (with a monthly cashback cap of S$125). If you spend less, you’ll still earn 0.3% cashback on eligible transactions. Plus, the card’s annual fee is waived for the first three years, and continues to be waived thereafter with a minimum yearly spend of S$18,000.

>> MORE: Full review of the Maybank Family & Friends Card

Everyday essentials — from groceries and transport costs to food delivery to expenses in the bookstore for the kids — can make up the bulk of a family’s monthly budget in Singapore. The POSB Everyday Card is designed to give busy households an easy way to save, offering consistent cashback across daily spending categories with minimal effort.

With this card, families can enjoy up to 10% cash rebates on common expenses like online food delivery, dining out, and SimplyGo public transport rides. Regular supermarket runs also earn you 5% cashback at Sheng Siong, and you’ll get 8% back at POPULAR bookstores and 3% at Pet Lovers Centre — perfect for families with school-going kids or pets. Even if you’re spending outside these categories, you’ll still earn 0.3% cashback on other eligible purchases.

The best part? There's no need to track rotating rewards or juggle multiple cards. Just charge at least S$800 per month in qualifying spend, and you’ll unlock the full benefits. Cashback is issued in Daily$, which you can easily view and redeem.

You can use your earned Daily$ instantly across a variety of platforms:

• In-store: Offset purchases at Pet Lovers Centre, Sheng Siong, or SPC

• DBS PayLah! app: Offset your purchases with Daily$ on the go.

• digibank online: Use Daily$ to offset credit card bills or convert to KrisFlyer miles.

• Participating merchants (website or mobile app): Instantly offset online purchases at these platforms:

• DBS Apple Rewards Store

• Zalora (available on Apple Store and Google Play)

• AXS (available on Apple Store and Google Play)

• Shopee (available on Apple Store and Google Play)

>> MORE: Full review of the POSB Everyday Card

From festive gifting during Chinese New Year to back-to-school essentials and mega sale events like 11.11 and GSS, family spending in Singapore often spikes during key seasons, especially when you're shopping online. That’s where the HSBC Revolution Card comes in — a versatile rewards card designed to help you load up on points when you spend online.

The HSBC Revolution Card gives you 10X Reward points (equivalent to up to 4 miles or 2.5% cashback) on online purchases, dining, and contactless payments — with no minimum spend required. This makes it ideal for families who prefer the flexibility of earning from spontaneous shopping sprees, online orders, or digital payments at the checkout counter.

There’s no annual fee, and the points can be redeemed via the HSBC Singapore app to offset purchases, enjoy lifestyle rewards, or split big-ticket items into monthly instalments. Plus, you’ll continue to earn 1X point on all other spending without a cap.

>> MORE: See SingSaver’s review of the HSBC Revolution Card

Travel is probably another one of the biggest expenses for families in Singapore, especially during school holidays and year-end breaks. Whether you're planning a regional getaway or a long-haul holiday, the DBS Altitude Visa Signature Card is a smart choice for turning everyday spending into meaningful travel rewards.

With this card, you earn up to 2.2 miles per S$1 on overseas purchases and 1.3 miles per S$1 on local spending. There’s no expiry on DBS Points, so families can accumulate miles steadily and redeem them when the timing’s right — perfect for flexible trip planning across various airlines and travel platforms.

Cardholders also enjoy two complimentary Priority Pass™ lounge visits per year, ideal for upgrading airport waits with some comfort. And keep your eyes out for regular partner promos. For instance, travel bookings made via partners like Expedia, Trip.com, and Cathay Pacific now come with exclusive deals — including up to 50% off on selected travel promotions. 

You’ll receive 10,000 bonus miles when you pay the annual fee, which is waived in the first year. For subsequent years, you can continue enjoying a waiver by spending at least S$25,000 annually. With optional 0% interest instalments on purchases over S$100, including travel bookings, the DBS Altitude Card offers both rewards and flexibility — making it one of the best credit cards for family travel in Singapore.

>> MORE: Full review of the DBS Altitude Visa Signature Card

Whether it’s a school holiday escape or a weekend birthday staycation, families in Singapore often enjoy short-haul trips and hotel breaks when the kids are on break. A credit card that bundles travel perks with hotel benefits can make these moments feel more rewarding — and cost-effective. That’s where the American Express® Singapore Airlines KrisFlyer Ascend Credit Card stands out.

Cardholders enjoy one complimentary night each year at participating Hilton properties across Asia Pacific, alongside a complimentary Hilton Honors Silver membership, which comes with bonus points and late checkout benefits — great for family trips. You’ll also receive a Renewal Miles Redemption Voucher worth 10,000 KrisFlyer miles each year when you renew the card.

Earn two KrisFlyer miles per S$1 spent on eligible Singapore Airlines, Scoot, and KrisShop purchases, and 1.2 miles per S$1 on other eligible local and overseas spending. Grab rides? You’ll earn up to two miles per S$1, capped at S$200 monthly.

Pay for your travel using the card and get covered with travel accident insurance of up to S$1 million, plus inconvenience protection for flight or baggage delays. You’ll also unlock Hertz Gold Plus Rewards® membership, which includes up to 10% off rentals, free car upgrades, and an extra driver — handy for road trips abroad.

>> MORE: Full review of the American Express® Singapore Airlines KrisFlyer Ascend Credit Card

From household goods and groceries to school supplies and birthday gifts, online shopping has become a mainstay for many families. Whether you're checking out at a department store or online, a card that rewards both digital and in-store transactions can make every spend more rewarding — and the Citi Rewards Card does just that.

• Enjoy 10X Points on eligible online purchases, including grocery delivery, food delivery, ride-hailing, and even in-store shopping at clothing and department stores. 

• For all other spends, you still earn 1X Point, ensuring your rewards keep growing even on the small stuff.

Points can be redeemed flexibly via Citi ThankYouSM Rewards, and the card includes complimentary travel insurance when you charge your airfare to it. With perks like Citi PayLite (instalment payments), Citi FlexiBill (convert statement balances), and Citi Quick Cash, the card offers strong utility for family budgeting and emergencies.

And with a minimum income requirement of S$30,000, it’s a practical fit for those seeking the best credit card for middle-class family needs.

>> MORE: Full review of the Citi Rewards Card

NTUC FairPrice remains the go-to grocery destination for many households in Singapore, commanding a dominant 35% share of the food retail market back in 2023. If you’re shopping there regularly, the NTUC Link Credit Card by Trust Bank could be the most rewarding companion for your wallet.

This card is designed to maximise savings for NTUC members, offering up to 21% in Linkpoints when you meet specific spend conditions. You’ll earn a base rate of 2.5%, with unlimited 0.5% back on FairPrice Group (FPG) groceries and 0.22% on other eligible purchases. On top of that, members can earn a monthly bonus of 4% and up to 12.5% in quarterly bonuses when they hit minimum spends outside FPG — capped at 5,500 and 5,000 Linkpoints respectively.

There’s even an annual bonus of 2%, just for being a FairPrice member. With every 100 Linkpoints redeemable for S$1, families can see real savings stack up throughout the year, simply by shopping where they already do.

>> MORE: Best Grocery Credit Cards In Singapore 2025

If your household does large grocery hauls or shops regularly at supermarkets like Giant and Cold Storage, the DBS yuu Card is built to reward that kind of volume. With up to 18% in cash rebates or 10 miles per S$1 spent, it’s a powerful tool for families who want maximum returns on their daily essentials.

You can start earning with no minimum spend. At the base level, you receive 5% cash rebates or 2.8 miles per S$1. The more you shop, the more you earn — reaching up to 18% cash rebates or 10 miles per S$1 when you hit S$600 in qualified monthly spend.

Participating yuu merchants include Cold Storage, CS Fresh, Giant, 7-Eleven, Guardian, BreadTalk Group outlets, foodpanda, Gojek and even the Mandai Wildlife Group (for online ticket purchases). Bonus? Get S$2 off eggs and rice monthly at Cold Storage and Giant.

You can redeem your yuu Points instantly for cash rebates or convert them into air miles directly through the yuu App, making it a seamless way to stretch your family’s budget further.

>> MORE: Full review of the DBS yuu Visa Card