Best Cashback Credit Cards with no Minimum Spend in Singapore 2024
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.
S$1 local spend = 1.6 point on qualifying spend. 3200 points redeemed = S$10 cash credit. Equivalent to 0.5% cashback.
Annual Fee
No Annual Fee
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Waived Perpetually
Offer Available
Best Deal Guarantee
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)
Valid until
12 May 2024
Best Deal Guarantee
Nintendo Switch (Generation 2) (worth S$399)
Valid until
12 May 2024
Best Deal Guarantee
Apple AirPods Pro 2nd Gen (worth S$365.70)
Valid until
12 May 2024
Best Deal Guarantee
Up to S$340
Valid until
12 May 2024
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Things to consider for this product:
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Bonus air miles
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Public transportation
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Installment
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No Annual Fee
No cash advance fee.
No annual fee.
Enjoy 6% cashback in the form of reward points on selected merchants with no min. spend required.
Enjoy 0.5% cashback in the form of reward points for all base spends with no monthly cashback cap.
Enjoy 0% interest rates with 3-month EasyPay instalment tenure with no processing fee.
Cashback capped at 14,400 reward points, approximately S$45, on selected merchants.
Best Deal Guarantee
Gift Options
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30); or
Nintendo Switch (Generation 2) (worth S$399); or
Apple AirPods Pro 2nd Gen (worth S$365.70) ; or
Up to S$340
Promotion is valid for new Standard Chartered credit card members only
Apply for the SCB Smart Card or SCB Rewards+ Credit Card and make a min. spend of S$250 within 30 days of card approval to be eligible for rewards
Receive an additional S$20 eCapitaVoucher when you make a min. spend of S$1,000 in the second month after card approval
Receive an additional S$20 eCapitaVoucher when you split the payment for your purchases with SCB EasyPay, pay your bills with SCB EasyBill or put any of your purchases on installment in an SCB Savings Account or Current Account within 60 days of approval
Cashback rate on petrol transactions in Singapore and Malaysia.
Cashback Overseas
1.5 %
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No minimum spend and no cap.
Annual Fee
S$ 130.8
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First Three Years Waived
Things to consider for this product:
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Petrol rebate
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Overseas rebate
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Travel insurance
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Annual Fee waiver
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.
TREATS Points awarded calculated based on blocks of S$5.
Min. spend of S$300 each calendar month to qualify for bonus TREATS Points, capped at 30,000 bonus TREATS.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
Maybank Manchester United Platinum Visa Credit Card
Cashback Local
Up to 3 %
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Unlimited cashback with no minimum spend when Manchester United Wins a Premier Leage Match, otherwise earn 1% unlimited cashback. Bonus cashback capped at S$20 per match day win.
Cashback Overseas
Up to 3 %
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Unlimited cashback with no minimum spend when Manchester United Wins a Premier Leage Match, otherwise earn 1% unlimited cashback Bonus cashback capped at S$20 per match day win.
Annual Fee
S$ 87.2
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First 2 Years Waived, thereafter can be waived if min spend of $3.6K is met per annum
Things to consider for this product:
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Local spending rebate
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No monthly spend required
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No rebate cap
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Travel insurance
Earn 1% unlimited cashback and 1X TREATS Points (0.4 miles per dollar) on all transactions.
Earn up to 3% cashback (capped at S$20) and 5X TREATS Points (2 miles per dollar) 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 travle insurance coverage of up to S$300,000.
TREATS Points awarded calculated based on blocks of S$5.
TREATS Points expire after one year.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
DCS Ultimate Platinum UnionPay Card
Cashback Local
2 %
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No minimum spend; cashback is capped at S$200 per calendar month.
Cashback Overseas
2 %
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No minimum spend; cashback is capped at S$200 per calendar month.
Annual Fee
S$ 196.2
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First Year Waived
Offer Available
Welcome Offer
2x GOTRIP luggage bags (worth S$500 total)
Valid until
31 May 2024
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Things to consider for this product:
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Online shopping rebate
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Travel insurance
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No monthly spend required
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Rebate cap applied
Get up to 2% cashback on all purchases with no minimum spend.
Free Insurance Coverage of up to S$1,000,000.
Cashback is awarded up to a monthly spend of S$10,000 (capped at S$200 cashback per calendar month).
Welcome Offer
Gift Options
2x GOTRIP luggage bags (worth S$500 total)
Promotion is valid for new DCS card members only
Apply for two (2) DCS credit cards and spend at least S$350 per month for 2 consecutive months from card approval date to be eligible for rewards
Promotion is valid for new Citi credit cardmembers only
Activate select Citi credit cards and make a min. spend of S$500 within 30 days of card approval, then top up an additional amount to be eligible for reward:
S$999 top up – Apple Macbook Air M3 13" 256GB (worth S$1,599)
S$999 top up – Apple iPhone 15 Pro 128GB (worth S$1,664.25)
S$1,488 top up – Samsung Galaxy S24 Ultra Titanium 12+512GB (worth S$2,128)
Reward Upgrade will replace SingSaver Exclusive promotional reward
Non-waivable for first year. Waiver will be granted in subsequent years with a minimum eligible spend of S$60,000 within in a calendar year.
Offer Available
Welcome Offer
Up to 85,000 miles
Valid until
31 May 2024
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Things to consider for this product:
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Bonus air miles
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Local spending rebate
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Overseas rebate
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Airport lounge
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.
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).
Welcome Offer
Gift Options
Up to 85,000 miles
Promotion is valid for new and existing DBS credit cardmembers
Apply for the DBS Vantage Card and make a min. spend of S$4,000 within 30 days of card approval to be eligible for reward
New DBS cardmembers will receive 85,000 miles
Existing DBS cardmembers will receive 40,000 miles
Sony PlayStation® 5 Slim Disc Edition (worth S$799)
Valid until
12 May 2024
SingSaver Lightning Deal
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)
Valid until
12 May 2024
SingSaver Lightning Deal
S$500 eCapitaVoucher
Valid until
12 May 2024
Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Valid until
12 May 2024
Best Deal Guarantee
The Morning Machine + 20 Capsules Bundle (worth S$684)
Valid until
12 May 2024
Best Deal Guarantee
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)
Valid until
12 May 2024
Best Deal Guarantee
Up to S$420
Valid until
12 May 2024
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Things to consider for this product:
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No rebate cap
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No monthly spend required
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Annual Fee waiver
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Installment
1.5% cashback for all spend, no minimum spend and no cashback cap.
Enjoy offers and privileges for online, dining, retail and more with The Good Life®.
2 year annual fee waiver.
Read our full review of the Standard Chartered SimplyCash Credit Card.
Cannot be used for EZ-Reload.
SingSaver Lightning Deal
Gift Options
Sony PlayStation® 5 Slim Disc Edition (worth S$799); or
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
S$500 eCapitaVoucher
Promotion is valid for new Standard Chartered credit cardmembers only
Be one of the first 500 eligible applicants of the Standard Chartered Simply Cash Credit Card and make a min. spend of S$500 within 30 days of card approval to be eligible for reward
Lightning Deal reward is not stackable with other promotions from SingSaver
Remaining applicants will receive regular SingSaver promotional reward
Lightning Deal promotion runs from 25 April 2024, 9:00 AM SGT to 12 May 2024
The Morning Machine + 20 Capsules Bundle (worth S$684); or
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30); or
Up to S$420
Promotion is valid for new Standard Chartered credit card members
Apply for the Standard Chartered Simply Cash Credit Card and make a min. spend of S$500 within 30 days of card approval to be eligible for rewards
Receive an additional S$70 eCapitaVoucher when you make a min. spend of S$1,000 in the second month after card approval
Receive an additional S$20 eCapitaVoucher when you split the payment for your purchases with SCB EasyPay, pay your bills with SCB EasyBill or put any of your purchases on installment in an SCB Savings Account or Current Account within 60 days of approval
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.
0.3% cash rebate on utilities.
S$686.36 non-waivable annual fee
By invitation only
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: By invite only
Min. Annual Income: By invite only
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Gift Options
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Terms & Conditions
See All Prizes
8x Apple iPad (each worth $679)
8x Dyson AirwrapTM styler (each worth $849)
8x Nintendo Switch OLED (each worth $549)
8x Playstation®5 consoles (each worth $799)
See All Prizes
8x Apple iPad (each worth $679)
8x Dyson AirwrapTM styler (each worth $849)
8x Nintendo Switch OLED (each worth $549)
8x Playstation®5 consoles (each worth $799)
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.
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.