No, not all credit cards have a minimum spend requirement. While some credit cards have minimum spending requirements that cardholders must reach to qualify for bonus rewards or benefits, some credit cards offer cashback without any minimum spending obligation.
These no-minimum-spend credit cards provide the flexibility to earn rewards on all eligible transactions, regardless of the purchase amount. Users can enjoy cashback or other benefits from the very first dollar spent, making these cards suitable for individuals with varying spending patterns and preferences.
Exploring different credit card options is essential to find one that aligns with your spending habits and rewards preferences.
Best Cashback Credit Cards with no Minimum Spend in Singapore 2026
Updated: 31 Dec 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.
Why Trust SingSaver
Card | Hot Reward Pick | SingSaver Reward | Cashback Local | Cashback Overseas | Annual Fee | ||
|---|---|---|---|---|---|---|---|
 | Standard Chartered Smart Credit Card | - | - | Up to 10 % | Up to 10 % | No Annual Fee | |
 | Maybank DUO Platinum Mastercard | - | - | 5 % | 1.5 % | S$130.80 | |
 | Maybank Manchester United Platinum Visa Credit Card | - | - | Up to3 % | Up to3 % | S$87.20 | |
 | DCS Ultimate Platinum UnionPay Card | - | - | 2 % | 2 % | S$196.20 | |
 | DCS Ultimate Platinum Mastercard | - | - | 2 % | 2 % | S$196.20 | |
 | UOB Absolute Cashback Card | - | S$600 | Up to1.7 % | Up to1.7 % | S$196.20 | |
 | BOC Visa Infinite Card | S$18 | 1.6 % | 2.4 % | S$381.50 | ||
 | Maybank FC Barcelona Visa Signature Card | - | - | 1.6 % | 1.6 % | S$130.80 | |
 | Citi Cash Back+ Card | S$799 | Up to3.25 % | 1.6 % | S$196.20 | ||
 | ICBC Chinese Zodiac Credit Card | - | - | 1.6 % | 1.6 % | S$150 | |
 | American Express True Cashback Card | - | - | 1.5 % | 1.5 % | S$174.40 | |
 | DBS Vantage Visa Infinite Card | - | - | 1.5 % | 2.2 % | S$599.50 | |
 | Standard Chartered Simply Cash Credit Card | S$699 | 1.5 % | 1.5 % | S$196.20 | ||
 | UOB Regal Business Metal Card | - | - | 1.5 % | 2 % | S$686.36 |
Card Details
Cashback Local
Up to 10 %Cashback Overseas
Up to 10 %Annual Fee
No Annual Fee- Earn up to 10% cashback for spends above S$1,500 on selected merchants.
- Earn up to 8% cashback for spends above S$800 on selected merchants.
- Enjoy 0.5% cashback for all base spends with no monthly cashback cap.
- Enjoy peace of mind when your flight is delayed with Visa SmartDelay™, which offers complimentary access to over 1,700 airport lounges and travel experiences.
- Interest-free instalments with SC Easy Pay.
- No cash advance fee.
- First-year annual fee waived for new cardholders (S$91 excl. GST thereafter)
- No cashback cap.
- Flexible redemption options for miles, cashback or shopping vouchers
- Streaming, dining and commuting
- Interest-free Installments with SC Easy Pay
- First-year annual fee waiver
- Cashback awarded in the form of 360° Rewards Points.
- Points expire after 3 years.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 23.9 %
Interest on Cash Advance: 29.9 %
Interest Free Period: 3 Months
Fees
Annual Fee: No Annual Fee
Foreign Currency Transaction Fee: 3.5 %
Air Miles Conversion Fee: S$27
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$0
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback Local
5 %Cashback Overseas
1.5 %Annual Fee
S$ S$
130.80- 5% cashback on petrol in Singapore and Malaysia.
- 1.5% cashback in foreign currency.
- 5 TREATS Points per $5 spent in local currency.
- Complimentary Supplementary Cards for your loved ones.
- Complimentary travel insurance coverage of up to S$500,000.
- Petrol rebate
- Overseas rebate
- Travel insurance
- Annual Fee waiver
- TREATS Points awarded calculated based on blocks of S$5.
- Min. spend of S$300 each calendar month to qualify for bonus TREATS Points, capped at 30,000 bonus TREATS.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 26.9 %
Interest on Cash Advance: 26.9 %
Interest Free Period: 20 days
Fees
Annual Fee: S$130.80
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Minimum Age: 21 years old
Minimum Annual Income: S$30,000
Monthly Spend Required: None
Cashback Local
Up to 3 %Cashback Overseas
Up to 3 %Annual Fee
S$ S$
87.20- Earn 1% unlimited cashback and 1X TREATS Points (0.4 miles per dollar) on all transactions.
- Earn up to 3% cashback and 5X TREATS Points when Manchester United Wins a Premier League match.
- No minimum spend and no cashback cap.
- Stand a chance to win a trip for 2 to watch Manchester United live every football season.
- Complimentary travel insurance coverage of up to S$300,000.
- Local spending rebate
- No monthly spend required
- No rebate cap
- Travel insurance
- TREATS Points awarded calculated based on blocks of S$5.
- TREATS Points expire after one year.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 26.9 %
Interest on Cash Advance: 26.9 %
Interest Free Period: 20 days
Fees
Annual Fee: S$87.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Air Miles Conversion Fee: S$25
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback Local
2 %Cashback Overseas
2 %Annual Fee
S$ S$
196.20- Get up to 2% cashback on all purchases with no minimum spend.
- Free Insurance Coverage of up to S$1,000,000.
- Online shopping rebate
- Travel insurance
- No monthly spend required
- Cashback is awarded up to a monthly spend of S$10,000 (capped at S$200 cashback per calendar month).
- Rebate cap applied
Repayment Details
Minimum Payment: 5 %
Late Payment Charge: S$100
Interest on Purchase: 27 %
Interest on Cash Advance: 29 %
Interest Free Period: 57 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$20 %
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback Local
2 %Cashback Overseas
2 %Annual Fee
S$ S$
196.20- Get up to 2% cashback on all purchases with no minimum spend.
- Free Insurance Coverage of up to S$1,000,000.
- Online shopping rebate
- Travel insurance
- No monthly spend required
- Cashback is awarded up to a monthly spend of S$10,000 (capped at S$200 cashback per calendar month).
- Rebate cap applied
Repayment Details
Minimum Payment: 5 %
Late Payment Charge: S$100
Interest on Purchase: 27 %
Interest on Cash Advance: 29 %
Interest Free Period: 57 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$20
Eligibility
Min. Annual Income: S$30,000
Minimum Age: 21 years old
UOB Absolute Cashback Card
rating
4.2/ 5
Cashback Local
Up to 1.7 % Cashback Overseas
Up to 1.7 %Annual Fee
S$ S$
196.20You’ll also receive the following welcome gift(s) directly from the bank
- 1.7% cashback on all your purchases including travel, home furnishings, weddings, luxury purchases and more.
- 0.3% cashback on local transactions which are commonly excluded from earning rewards such as charity, education, healthcare, professional services, utilities and Grab wallet top-ups.
- 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.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 21 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback Local
1.6 %Cashback Overseas
2.4 %Annual Fee
S$ S$
381.50Apply through SingSaver and choose from 3 premium rewards
- 2.4% cash rebate on overseas spend and 1.6% cash rebate on local spend, with no min. spend and no earn cap.
- 3% cash rebate on electrical vehicle charging.
- 0.3% cash rebate on selected insurance and education spend, with no minimum spend and no earn cap.
- Enjoy 4 complimentary visits to participating Plaza Premium lounges annually.
- Enjoy personalized concierge services with Visa Concierge.
- First year annual fee waived for principal and supplementary cards.
- Local spending rebate
- No monthly spend required
- No rebate cap
- Airport lounge
- S$2,500 min. monthly spend per billing cycle required to unlock 3% cash rebate on EV charging.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: 5 %
Interest on Purchase: 28.88 % p.a.
Interest on Cash Advance: 28.88 %
Interest Free Period: 23 days
Fees
Annual Fee: S$381.50
Foreign Currency Transaction Fee: 3 %
Air Miles Conversion Fee: S$30.56
Cash Advance Service Charge: S$20
Eligibility
Minimum Annual Income: S$72,000
Minimum Age: 21 years old
Cashback Local
1.6 %Cashback Overseas
1.6 %Annual Fee
S$ S$
130.80- Get 1.6% unlimited cashback on your local and foreign spend.
- No minimum spend and no cashback cap.
- Stand a chance to win a trip for 2 to watch FC Barcelona live every football season.
- Complimentary travel insurance coverage of up to S$300,000.
- Annual Fee waiver
- No monthly spend required
- No rebate cap
- Overseas rebate
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 26.9 %
Interest on Cash Advance: 26.9 %
Interest Free Period: 20 days
Fees
Annual Fee: S$130.80
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback Local
Up to 3.25 %Cashback Overseas
1.6 %Annual Fee
S$ S$
196.20Apply through SingSaver and choose from 12 premium rewards
- 1.6% cashback on all eligible spending with no minimum spend and no cap.
- Cashback earned does not expire.
- Redeem cashback instantly via SMS. Terms and Conditions here.
- 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 Cash Back+ Card will be updated to end on 31 March 2026. For more information, please click here.
- With Citi PayAll you can earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
- Up to 17% discount at Caltex, Esso and Shell petrol stations.
- With Citi PayLite® Bundle Program, you can pay off your retail purchases in 3-month instalment payments at no processing fees. Terms and Conditions apply.
- No rebate cap
- No monthly spend required
- Annual Fee waiver
- High-value gift
Repayment Details
Minimum Payment: 1 %
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 27.9 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Min. Annual Income: S$30,000
Minimum Age: 21 years old
ICBC Chinese Zodiac Credit Card
rating
4.5/ 5
Cashback Local
1.6 %Cashback Overseas
1.6 %Annual Fee
S$ S$
150- 1.6% unlimited cashback on local and overseas spend with no minimum spend.
- 3-year annual fee waiver.
- 12 different card designs to choose from.
- Overseas rebate
- No rebate cap
- No monthly spend required
- Local spending rebate
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: 5 %
Interest on Purchase: 24 %
Interest on Cash Advance: 24 %
Interest Free Period: 25 days
Fees
Annual Fee: S$150
Foreign Currency Transaction Fee: 2.5 %
Eligibility
Minimum Age: 21 years old
Min. Annual Income: S$30,000
Monthly Spend Required: None
American Express True Cashback Card
rating
4.2/ 5
Cashback Local
1.5 %Cashback Overseas
1.5 %Annual Fee
S$ S$
174.40- 1.5% unlimited cash rebate on all spend with no minimum spend.
- 3% Cashback up to a spending of $5,000 for first 6 months.
- Complimentary travel insurance.
- Cashback credited on the same statement month.
- No rebate cap
- No monthly spend required
- Travel insurance
- Annual fee waiver
- Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.80 %
Interest on Cash Advance: 26.9 %
Interest Free Period: 22 days
Fees
Annual Fee: S$174.40
Foreign Currency Transaction Fee: 3.25 %
Eligibility
Monthly Spend Required: None
Minimum Annual Income: Conditional
Minimum Age: 21 years old
DBS Vantage Visa Infinite Card
rating
1/ 5
Cashback Local
1.5 %Cashback Overseas
2.2 %Annual Fee
S$ S$
599.50- 1.5 miles or 1.5% cashback per S$1 spent locally, such as groceries, shopping and more.
- 2.2 miles or 2.2% cashback per S$1 spent on overseas purchases in foreign currency.
- Receive 25,000 bonus miles when you pay the annual fee of S$550 (exclusive of GST) to renew your membership.
- Complimentary Accor Plus Explorer membership with 1 free hotel night stay at Sofitel, Fairmont, Swissotel and over 1000 hotels worldwide.
- Complimentary Digital Priority Pass™ Membership and 10 free lounge visits to over 1,300 airport lounges worldwide within each 12-month period of membership.
- Members-only dining privileges at over 80 of Singapore’s fine dining establishments, including Michelin-awarded restaurants.
- Bonus air miles
- Local spending rebate
- Overseas rebate
- Airport lounge
- Annual fee of S$588.50 (inclusive of GST) is non-waivable for the first year.
- Miles are awarded in the form of DBS Points which are awarded for every S$5 spent.
- Each conversion of DBS Points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: $100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 25 days
Fees
Annual Fee: S$599.50
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$27
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$2,000
Minimum Annual Income: S$120,000
Minimum Age: 21 years old
Cashback Local
1.5 %Cashback Overseas
1.5 %Annual Fee
S$ S$
196.20Apply through SingSaver and choose from 8 premium rewards
- 1.5% unlimited cashback rate with no min. spend.
- Enjoy offers and privileges for online, dining, retail and more with The Good Life®.
- SC Shop and Earn - Enjoy up to 23% Cashback when you shop at your favourite brands – Decathlon, Nike, Zalora and many more. Unlock one of the highest Cashback as a Priority client. Log on to SC Shop and Earn via SC Mobile to start shopping.
- First year annual fee waiver.
- 1.5% unlimited cashback
- No rebate cap
- No monthly spend required
- First year annual Fee waiver
- Cannot be used for EZ-Reload.
Repayment Details
Minimum Payment: S$50
Interest on Purchase: 27.9 %
Interest on Cash Advance: 28 %
Interest Free Period: 22 days
Late Payment Charge: S$100
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.5 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
UOB Regal Business Metal Card
rating
4/ 5
Cashback Local
1.5 %Cashback Overseas
2 %Annual Fee
S$ S$
686.36- Unlimited access to over 1,300 airport lounges worldwide via DragonPass.
- 2% cash rebate on overseas spend.
- 1.5% cash rebate on local card spend.
- Complimentary travel accident insurance of up to US$500,000 for you and your family members.
- Exclusive dining, hotel, lifestyle, and medical perks.
- Accor Plus membership with exclusive benefit of stay four nights for price of three nights and auto-enrolment to Silver membership status in Le Club AccorHotels loyalty programme.
- Airport lounge
- Dining rebate
- Overseas rebate
- 0.3% cash rebate on utilities.
- S$686.36 non-waivable annual fee
- By invitation only
- Annual Fee required
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 26.9 %
Interest on Cash Advance: 26.9 %
Interest Free Period: 22 days
Fees
Annual Fee: S$686.36
Foreign Currency Transaction Fee: 3.25 %
Eligibility
Minimum Age: By invite only
Min. Annual Income: By invite only
Monthly Spend Required: None
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.