Best Cashback Credit Cards with no Minimum Spend in Singapore 2025

Updated: 23 Jun 2025

Having difficulty hitting the minimum spend requirements for your cashback credit card? If you answered “yes”, these no-frills credit cards offer effortless cashback on all eligible transactions without minimum spending requirements.
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Card
Hot Reward Pick
SingSaver Reward
Cashback Local
Cashback Overseas
Annual Fee
Standard Chartered Smart Credit Card
Standard Chartered Smart Credit Card
S$659
Up to 10 %
Up to 10 %
No Annual Fee
Maybank DUO Platinum Mastercard
Maybank DUO Platinum Mastercard
-
-
5 %
1.5 %
S$130.80
Maybank Manchester United Platinum Visa Credit Card
Maybank Manchester United Platinum Visa Credit Card
-
-
Up to3 %
Up to3 %
S$87.20
DCS Ultimate Platinum UnionPay Card
DCS Ultimate Platinum UnionPay Card
-
-
2 %
2 %
S$196.20
DCS Ultimate Platinum Mastercard
DCS Ultimate Platinum Mastercard
-
-
2 %
2 %
S$196.20
UOB Absolute Cashback Card
UOB Absolute Cashback Card
-
-
Up to1.7 %
Up to1.7 %
S$196.20
BOC Visa Infinite Card
BOC Visa Infinite Card
-
-
1.6 %
1.8 %
S$374.50
Maybank FC Barcelona Visa Signature Card
Maybank FC Barcelona Visa Signature Card
-
-
1.6 %
1.6 %
S$130.80

Show All Cards (14)

Citi Cash Back+ Card
ICBC Chinese Zodiac Credit Card
American Express True Cashback Card
DBS Vantage Visa Infinite Card
Standard Chartered Simply Cash Credit Card
UOB Regal Business Metal Card

Card Details

Cashback Local
Up to 10 %
Cashback Overseas
Up to 10 %
Annual Fee
No Annual Fee

SingSaver Reward up to S$659- with others only S$499

Bank Gift - On Top of SingSaver's

SingSaver's take

Card Details

Cashback Local
5 %
Cashback Overseas
1.5 %
Annual Fee
S$ 130.80

SingSaver's take

Card Details

Cashback Local
Up to 3 %
Cashback Overseas
Up to 3 %
Annual Fee
S$ 87.20

SingSaver's take

Card Details

Cashback Local
2 %
Cashback Overseas
2 %
Annual Fee
S$ 196.20

SingSaver's take

Card Details

Cashback Local
2 %
Cashback Overseas
2 %
Annual Fee
S$ 196.20

SingSaver's take

Card Details

Cashback Local
Up to 1.7 %
Cashback Overseas
Up to 1.7 %
Annual Fee
S$ 196.20

Bank Gift - On Top of SingSaver's

SingSaver's take

Card Details

Cashback Local
1.6 %
Cashback Overseas
1.8 %
Annual Fee
S$ 374.50

SingSaver's take

Card Details

Cashback Local
1.6 %
Cashback Overseas
1.6 %
Annual Fee
S$ 130.80

SingSaver's take

Card Details

Cashback Local
Up to 3.25 %
Cashback Overseas
1.6 %
Annual Fee
S$ 196.20

SingSaver Reward up to S$999- with others only S$589

SingSaver's take

Card Details

Cashback Local
1.6 %
Cashback Overseas
1.6 %
Annual Fee
S$ 150

SingSaver's take

Card Details

Cashback Local
1.5 %
Cashback Overseas
1.5 %
Annual Fee
S$ 174.40

Bank Gift - On Top of SingSaver's

SingSaver's take

Card Details

Cashback Local
1.5 %
Cashback Overseas
2.2 %
Annual Fee
S$ 599.50

SingSaver's take

Card Details

Cashback Local
2 %
Cashback Overseas
2 %
Annual Fee
S$ 196.20

SingSaver Reward up to S$879- with others only S$350

Bank Gift - On Top of SingSaver's

SingSaver's take

Card Details

Cashback Local
1.5 %
Cashback Overseas
2 %
Annual Fee
S$ 686.36

SingSaver's take

Card Details

How does a Cashback Credit Card with no Minimum Spend Work?

A Cashback Credit Card with no minimum spend requirement provides cashback on all eligible transactions without the need to reach a minimum spending amount. You can earn cashback on all qualifying purchases, making it a straightforward and hassle-free way to enjoy cashback without meeting specific spending requirements.

How to best use a Cashback Credit Card with no Minimum Spend

To make the most of a Cashback Credit Card with no Minimum Spend, follow these effective strategies.

Use it for everyday expenses
Use the card for everyday purchases like groceries, dining, transportation, and online shopping. Since there's no minimum spend, every qualifying transaction earns you cashback.

Explore promotions
Keep an eye out for limited-time promotions or special cashback offers. Take advantage of these opportunities to boost your cashback earnings.

Combine with other cards
If you have multiple cashback cards, strategically use them for specific spending categories to maximize your overall cashback rewards.

Check for caps and exclusions
Review the card's terms to understand if there are any cashback caps or excluded spending categories. Adjust your spending accordingly.

Explore partnerships
Some cashback cards partner with merchants, offering higher cashback rates or exclusive deals. Take advantage of these collaborations when shopping.

Who should use a Cashback Credit Card with no Minimum Spend?

A Cashback Credit Card with no Minimum Spend is ideal for these types of users:

Regular credit card users
Individuals who frequently use credit cards for everyday expenses can benefit from earning cashback on all eligible transactions, regardless of the purchase amount.

Simplicity Seekers
People who prefer a straightforward rewards system without the complexity of meeting minimum spending requirements will appreciate the ease of earning rewards with no minimum spend.

Users with varied spending patterns
This card suits users with varying spending habits, allowing them to earn rewards on small and significant expenses without the need to reach a specific spending threshold.
Those looking to avoid interest
Those who consistently pay off their credit card bill in full and on time can fully enjoy the cashback benefits without incurring interest charges.

Convenience Lovers
The simplicity of a no-minimum-spend cashback card appeals to individuals who want to earn rewards effortlessly without tracking specific spending thresholds.

Things to look out for when choosing a Cashback Credit Card with no Minimum Spend

When selecting a Cashback Credit Card with no Minimum Spend, consider the following factors to maximise your rewards and benefits:

Eligible transactions
Ensure the card covers a wide range of eligible transactions. Look for exclusions or restrictions on certain types of spending that may not qualify for cashback. Examples include cash advance, insurance premiums, and tax payments.

Redemption options
Review the redemption methods for your earned cashback. Choose a card with convenient and flexible options, such as direct statement credits or bank deposits.

Promotional offers
Check for any introductory promotions or limited-time cashback boosts. Promotional offers can provide extra benefits for a specified period, increasing your cashback potential.

Cashback caps
Be aware of any cashback limits or monthly caps. Some cards may have a maximum cashback amount you can earn, which could impact your overall rewards potential.

Merchant partnerships
Some cards may partner with specific merchants, offering bonus cashback or discounts for spending at these establishments.

Frequently Asked Questions

    Do all credit cards have minimum spend?