Best Online Shopping Credit Cards in Singapore (2026)
Updated: 7 Sept 2026
Online shopping a way of life for you? Then add these credit cards to cart, pronto.
⚡ Quick Answer
| Card | Card benefit | Annual Fee | Min. Annual Income |
|---|---|---|---|
| 1 - 10 points / dollar | S$196.20 | S$30,000 | |
| Up to 1.7 % cashback | S$196.20 | S$30,000 | |
| 0.2 - 10 % cashback | No Annual Fee | S$30,000 |
Disclaimer: The information on this page is for general educational and informational purposes only and should not be considered financial or investment advice.
The best online shopping credit cards in Singapore earn accelerated rewards points or cashback specifically on e-commerce spend** — some hit 10% cashback or 10X points on platforms like Shopee, Lazada and Zalora, while unlimited-cashback cards trade a lower flat rate for no caps at all.
The best thing about online shopping is that you can refresh your wardrobe or gadget stash without contending with the downtown crowd and the commute. And with the heightened anticipation from the delivery, it makes the unboxing of your new loot all the more satisfying.
There are so many online shopping and e-commerce sites today, including Shopee, Lazada, Zalora, Taobao, and more. They cover everything from food, fashion, travel, cosmetics, gadgets and even groceries; everything you could ever want is at the touch of your fingertips. However, to shop online like a pro, make sure you’re using the right credit card to really maximise your online spending. You could be missing out on some big cash rebates, rewards or even bonus miles! Here are the best credit cards in Singapore for online shopping right now.
Decision Guide
Before You Compare
Check minimum spend requirement
Most bonus cashback rates need S$800/month spend — factor this into your budget.
Watch the monthly cashback cap
Capped cards suit moderate spenders; unlimited cards suit big-ticket buyers
Confirm which platforms qualify
Bonus rates often apply only to specific merchants like Shopee, Lazada or Watsons
Compare miles vs cashback
Points-based cards suit frequent flyers; cashback suits those who want simplicity.
Card | Hot Reward Pick | SingSaver Reward | Card Benefit | Min. Annual Income | Annual Fee | ||
|---|---|---|---|---|---|---|---|
 | Citi Rewards Card | S$1,499 | 1 - 10 | S$30,000 | S$196.20 | ||
 | UOB EVOL Card | S$700 | 0.3 - 10 % | S$30,000 | S$0 | ||
 | UOB Absolute Cashback Card | S$700 | Up to 1.7 % | S$30,000 | S$196.20 | ||
 | CIMB Visa Signature Card | S$1,200 | 0.2 - 10 % | S$30,000 | No Annual Fee | ||
 | DBS Live Fresh Card | - | - | 0.3 - 9.25 % | S$30,000 | S$196.20 | |
 | OCBC Rewards Credit Card | S$799 | 1 - 15 | S$30,000 | S$196.20 | ||
 | OCBC 365 Credit Card | S$799 | 0.25 - 6 % | S$30,000 | S$196.20 |
Citi Rewards Card
- 10X rewards points for all online purchases except mobile wallet and travel-related transactions.
- 10X rewards points for in-store shopping purchases at department stores, clothing stores and more.
- 1X rewards points on all other purchases.
- Pair with amaze card to turn offline transactions into online transactions.
- No cap on base rewards points.
- Rewards points conversion rate: 440 Points = S$1
- Rewards points are rounded down to the nearest 10 points on all purchases.
- Use Citi PayAll to earn ThankYou PointSM when you pay your bills with your Citi Rewards Card.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Rewards Card will be updated to end on 31 March 2026. For more information, please click here.
- Read our full review of the Citi Rewards Card
- Bonus air miles
- Travel insurance
- Annual Fee waiver
- High-value gift
- Bonus rewards points capped at 9,000 points per statement month.
UOB EVOL Card
- Enjoy no FX fees on overseas foreign currency spend worldwide with no min. spend, no cap.
- Enjoy 10% cashback on Local Online and Mobile Contactless (Apple Pay, Samsung Pay, google Pay) Spend
- 10% on Selected Gym, Telco and Streaming Spend
- Get up to 1% cashback on all Overseas FX Spend (no min. spend and no cap) till 31 Dec 2026.
- All other spends earn 0.3% cashback.
- Gain access to over 1,000 deals at eco-friendly, dining, and online shopping merchants.
- No annual fees on your card, effective 1 July 2026.
- Get greater savings with up to 3.4% p.a. interest with UOB One Account+.
- Online shopping rebate
- Mobile contactless rebate
- No FX fees
- Overseas in-store FX spend rebate
- No annual fee
- Minimum spend of S$800 each statement month to enjoy accelerated cashback earn rate.
- S$80 total cashback cap per statement month (S$30 cap for local online and mobile spend; S$20 cap for selected gym, telco and streaming spend; and S$30 cap for all other spend.
- Monthly spend required
UOB Absolute Cashback Card
- 1.7% cashback on your purchases including travel, home furnishings, weddings, luxury purchases and more.
- 0.3% cashback on transactions which are commonly excluded from earning rewards such as charity, education, healthcare, professional services, utilities and Grab mobile wallet top-ups.
- For a limited time only, earn up to 2% cashback on contactless spend locally & overseas till 31 Jan 2027.
- No minimum spend.
- No cashback cap.
- Cashback earned in current statement period is automatically used to offset the following month's bill.
- No rebate cap
- No monthly spend required
- Insurance rebate
- Local spending rebate
- Mobile contactless payment methods not supported.
CIMB Visa Signature Card
- 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.
- Online shopping rebate
- Supermarket rebate
- Annual Fee waiver
- 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.
- Rebate cap applied
- Get up to 6% cashback on Shopping and Transport spend
- Get unlimited 0.3% cashback on all spend
- Earn an extra 3.25% cashback on In-store Overseas Spend at your favourite destinations in Asia from Japan, Malaysia, Thailand and more
- 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
- Online Rebate
- Shopping
- Public transportation
- 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$20 per calendar month
- Rebate cap applied
- Monthly spend required
- Earn 15 OCBC$ (equivalent to 6 miles) per S$1 spent at Watsons and online shopping platforms (Lazada, Shopee, Taobao and TikTok Shop).
- Earn 1X OCBC$ (or 0.4 miles) on all other spends, including public transport rides.
- Enjoy complimentary e-commerce protection on all your online purchases made with this card.
- Get fast approval and use your digital card instantly when you apply via MyInfo.
- Read our full review of the OCBC Rewards Card.
- Retail rebate
- Online shopping rebate
- Gift: Apple product
- No monthly spend required
- 15 OCBC$ per S$1 earn rate is capped at 10,000 bonus OCBC$ cap per month.
- OCBC$ awarded in blocks of S$5 charged per transaction.
- 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 .
- Petrol rebate
- Dining rebate
- 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.
- Monthly spend required
Best for shopping rewards redemption: Citi Rewards Card
Min. Annual Income: S$30,000
Annual Fee: S$196.20
Interest on Purchase: 27.9%
Interest on Cash Advance: 27.9%
- Rewards points are rounded down to the nearest 10 points on all purchases.
- Use Citi PayAll to earn ThankYou PointsSM when you pay your bills with your Citi Rewards Card.
- Complimentary travel insurance coverage for trips charged to this card ended on 31 March 2026 and is no longer offered. For more information, please click here
- Read our full review of the Citi Rewards Card
SingSaver Exclusive Offer
Apply for a Citi Rewards Credit Card via SingSaver and score S$400 Cash via PayNow, The Morning Coffee Machine + 20 Capsules Bundle, 25,000 Max Miles by HeyMax, Dyson Airstrait™ straightener, or Dyson V8 Cyclone Vacuum Cleaner upon activating and spending a minimum of S$500 within 30 days of card approval. Valid till 30 September 2026. T&Cs apply.
Or, Get the Reward Upgrade You Deserve!
You can also top up from just S$100 to upgrade to the latest Dyson and Apple products, including the latest MacBook Neo 256GB Magic Keyboard. Valid till 30 September 2026. T&Cs apply.
Best for easy 8% cashback: UOB EVOL Card
If you enjoy buying anything and everything online as well as adore the cashless lifestyle, the UOB EVOL Card is your BFF.
Annual Fee: S$0
Min. Annual Income: S$30,000
Interest on Purchase: 27.8%
Interest on Cash Advance: 28.5%
Best for unlimited cashback: UOB Absolute Cashback Card
If you just want a simple, hassle-free cashback card that has no lid on how much you can get back, the UOB Absolute Cashback Card is the card to get.
It offers the most straightforward cashback rate: 1.7% cashback on everything! If you think 1.7% sounds low, keep in mind there is no minimum spending requirements or cashback caps. This is ideal for those who don’t have time to keep track and split expenses across multiple cards (who does?).
With the unlimited cashback in mind, the best time to get hold of this credit card is when you’re anticipating a big-ticket online purchase, such as household appliances, furniture or electronic gadgets.
Best for high cashback rate: CIMB Visa Signature Card
While the UOB Absolute Cashback Card offers limitless cashback with a relatively low 1.7%, the CIMB Visa Signature card is quite the opposite: it accelerates your online shopping gains with the highest cashback at 10%. But online shopping itself is a wide spectrum, and it includes groceries; if this category takes up a significant portion of your monthly expenditure, it is highly recommended that you charge it to this card too.
Another major benefit of the CIMB Visa Signature Card is that principal cardholders enjoy a lifetime fee waiver of annual fees.
Be sure to spend a minimum of S$800 per month to qualify for the 10% cashback, which is capped at S$100 per statement month, split into S$20 per category.
As stated in the exclusions, the cashback applies strictly to online shopping, which means your brick-and-mortar retail spends only get you 0.2%.
SingSaver x CIMB Visa Signature Credit Card Exclusive Offer
Receive S$50 Cash when you sign up for a CIMB Visa Signature Credit Card and spend a min. of S$2,000 within 60 days of card approval. Plus, get an additional Samsonite Black Label Fanthom Spinner 69/25 EXP TSA Luggage (worth S$1,150) fulfilled by CIMB. Valid until 30 September 2026. T&Cs apply.
Best for online and offline buys: DBS Live Fresh Card
Fashionistas, you can do no wrong if you carry DBS Live Fresh into your online shopping spree. Whether you’re shopping for your next great #OOTD ensemble, the latest sneaker release or beauty/grooming products, you enjoy 6% cashback on all qualifying online purchases.
But that’s just one of the twin engines of cashback earning; all your Visa contactless (PayWave) payments during physical shopping (not limited to retail) also gets you 6% cashback.
All other spending earns 0.3% unlimited cashback. In a month, assuming you hit the minimum qualifying spend of S$800, you could earn up to a total of S$70 cashback (cashback cap split into S$50 on shopping spend and S$20 on transport spend).
DBS has the occasional credit card promotion whereby you earn higher cashback rate on selected categories of spending, or when you hit certain spending goals. So keep a lookout for those.
SingSaver x DBS Live Fresh Card Flash Deal ⚡
Enjoy S$320 Cash, S$350 eCapitaVoucher, 22,000 HeyMax Miles (worth S$396), Sony WF-1000XM6 Earbuds (worth S$479), or Dyson Cool™ AM07 Tower Fan (worth S$499) when you apply and spend a minimum of S$500 within 30 days of card approval. Use promo code SINGSAVER. Valid till 16 September 2026. T&Cs apply.
Or, Get the Reward Upgrade You Deserve!
You can also top up from just S$120 to upgrade to the latest Dyson and Apple products, including the latest MacBook Neo 256GB Magic Keyboard. Valid till 16 September 2026. T&Cs apply.
Best for e-Commerce shopping: OCBC Rewards Card
If retail and online shopping are high on your agenda, then the OCBC Rewards Card is the card to shop with.
It gives 50 OCBC$ for every S$5 spent on shopping categories (i.e. 10 OCBC$ per dollar or 4 miles per dollar). Examples include duty-free stores, department stores, clothing stores, shoes and bags stores and babies and children’s wear.
Fans of Shopee, Taobao, Ezbuy, Lazada, Qoo10, Amazon, Alibaba, AliExpress, Daigou, Mustafa Centre and Courts can also look forward to racking up rewards quickly with this credit card.
That's not all. You can also earn an additional 2% cash rebate if you are shopping at BEST Denki.
Another perk? With complimentary e-Commerce Protection, the card safeguards you against non-delivery or defective goods for all online purchases charged to the credit card.
Do note that the bonus cap is 10,000 OCBC$ per calendar month or S$1,110 per calendar month.
SingSaver x OCBC Rewards Credit Card Exclusive Offer
Apply for an OCBC Rewards Credit Card via SingSaver and choose from S$400 Upsized Cash, S$440 Grab Voucher, 25,000 Max Miles by HeyMax, Dyson Airstrait, or Dyson V8 Cyclone cordless vacuum. Valid till 30 September 2026. T&Cs apply.
Or, Get the Reward Upgrade You Deserve!
You can also top up from just S$80 to upgrade to the latest Dyson and Apple products, including the latest MacBook Neo 256GB Magic Keyboard. Valid till 30 September 2026. T&Cs apply.
Best for online food delivery: OCBC 365 Card
If your idea of online shopping involves ordering a feast from your favourite delivery platforms, the OCBC 365 Credit Card rewards you for that with 6% cashback on the likes of Deliveroo, GrabFood and foodpanda.
The icing on the cake is that it offers a slightly higher than average cashback cap of S$80 per month, assuming you spend at least S$800 per calendar month.
Besides the 5% cashback on online food deliveries (as well as dining in general), you’ll also get to enjoy an array of cashback privileges on other online spending categories, most notably the 3% on groceries, private hire rides and recurring telco and electricity bills, pharmacy purchases, streaming subscription and electric vehicle charging fees.
For those who drive, the OCBC 365 also comes with fuel perks: up to 22.92% fuel savings at Caltex (including 18% instant discount for all fuel), up to 21.04% fuel savings at Esso, and 5% cashback on fuel spend at all other petrol service stations!
SingSaver x OCBC 365 Credit Card Exclusive Offer
Apply for an OCBC 365 Credit Card via SingSaver and choose from S$400 Upsized Cash, S$440 Grab Voucher, 25,000 Max Miles by HeyMax, Dyson Airstrait, or Dyson V8 Cyclone cordless vacuum. Valid till 30 September 2026. T&Cs apply.
Or, Get the Reward Upgrade You Deserve!
You can also top up from just S$80 to upgrade to the latest Dyson and Apple products, including the latest MacBook Neo 256GB Magic Keyboard. Valid till 30 September 2026. T&Cs apply.
About the author
The information on this page is for educational and informational purposes only and should not be considered financial or investment advice. While we review and compare financial products to help you find the best options, we do not provide personalised recommendations or investment advisory services. Always do your own research or consult a licensed financial professional before making any financial decisions.