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Best Unlimited Cashback Credit Cards in Singapore 2024

Say goodbye to tedious cashback categories and caps, as these unlimited cashback cards will allow you to earn rebates on all your purchases. Whether you’re dining out, shopping, or planning your wedding, these unlimited cashback credit cards provide unmatched flexibility and convenience with no minimum spend or cap.

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Unlimited Cash Back All Cash Back Cards High Cash Back Cards No Minimum Spend Required Go to: Overseas
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8x Apple iPad
(each worth $679)
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8x Dyson AirwrapTM styler
(each worth $849)
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8x Nintendo Switch OLED
(each worth $549)
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8x Playstation®5 consoles
(each worth $799)

 

Maybank DUO Platinum Mastercard

Maybank DUO Platinum Mastercard

Cashback Local
5  %
info
Cashback Overseas
1.5  %
info
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 130.8
info

2 Offers Available

SingSaver Exclusive Offer
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)

Valid until

16 August 2024

SingSaver Exclusive Offer
Xiaomi Smart Air Purifier 4 (worth S$275)
Xiaomi Smart Air Purifier 4 (worth S$275)

Valid until

16 August 2024

SingSaver Exclusive Offer
S$180 eCapitaVoucher
S$180 eCapitaVoucher

Valid until

16 August 2024

For Foreigners
Application for Foreigners
Application for Foreigners

Valid until

16 August 2024

Things to consider for this product:

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Petrol rebate

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Overseas rebate

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Travel insurance

check

Annual Fee waiver

Maybank Manchester United Platinum Visa Credit Card

Maybank Manchester United Platinum Visa Credit Card

Cashback Local
Up to 3  %
info
Cashback Overseas
Up to 3  %
info
Minimum Annual Income
S$ 30,000
info
Annual Fee
S$ 87.2
info

2 Offers Available

SingSaver Exclusive Offer
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)

Valid until

16 August 2024

SingSaver Exclusive Offer
Xiaomi Smart Air Purifier 4 (worth S$275)
Xiaomi Smart Air Purifier 4 (worth S$275)

Valid until

16 August 2024

SingSaver Exclusive Offer
S$180 eCapitaVoucher
S$180 eCapitaVoucher

Valid until

16 August 2024

For Foreigners
Application for Foreigners
Application for Foreigners

Valid until

16 August 2024

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

check

Travel insurance

CIMB World Mastercard

CIMB World Mastercard

Cashback Local
2  %
info
Cashback Overseas
1  %
info
Minimum Annual Income
S$ 30,000
Annual Fee
No Annual Fee

Offer Available

Welcome Offer
Up to S$188 Cashback
Up to S$188 Cashback

Valid until

31 July 2024

Things to consider for this product:

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No rebate cap

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Food delivery

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Annual Fee waiver

remove

Monthly spend required

CIMB Visa Infinite Card

CIMB Visa Infinite Card

Cashback Local
Unlimited 2  %
Cashback Overseas
Unlimited 2  %
info
Minimum Annual Income
S$ 120,000
Annual Fee
No Annual Fee

Offer Available

Welcome Offer
Up to S$188 Cashback
Up to S$188 Cashback

Valid until

31 July 2024

Things to consider for this product:

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No rebate cap

check

Airport lounge

check

Travel insurance

check

Annual Fee waiver

UOB Absolute Cashback Card

UOB Absolute Cashback Card

Cashback Local
1.7  %
Cashback Overseas
1.7  %
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 196.2
info

Offer Available

Welcome Offer
S$350 cash credit
S$350 cash credit

Valid until

31 July 2024

Things to consider for this product:

check

No rebate cap

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No monthly spend required

check

Insurance rebate

check

Local spending rebate

Maybank FC Barcelona Visa Signature Card

Maybank FC Barcelona Visa Signature Card

Cashback Local
1.6  %
info
Cashback Overseas
1.6  %
info
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 130.8
info

2 Offers Available

SingSaver Exclusive Offer
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)

Valid until

16 August 2024

SingSaver Exclusive Offer
Xiaomi Smart Air Purifier 4 (worth S$275)
Xiaomi Smart Air Purifier 4 (worth S$275)

Valid until

16 August 2024

SingSaver Exclusive Offer
S$180 eCapitaVoucher
S$180 eCapitaVoucher

Valid until

16 August 2024

For Foreigners
Application for Foreigners
Application for Foreigners

Valid until

16 August 2024

Things to consider for this product:

check

Annual Fee waiver

check

No monthly spend required

check

No rebate cap

check

Overseas rebate

Fastest Rewards Fulfilment
Citi Cash Back+ Card

Citi Cash Back+ Card

Cashback Local
1.6  %
Cashback Overseas
1.6  %
Min. Annual Income
S$ 30,000
Annual Fee
S$ 196.2
info

2 Offers Available

Upgrade Your Rewards with a Simple Top-Up
Save S$464.25 on an Apple iPhone 15 Pro 128GB (worth S$1,664.25) by upgrading your reward with a top up
Save S$464.25 on an Apple iPhone 15 Pro 128GB (worth S$1,664.25) by upgrading your reward with a top up

+ 4 other gift options

Valid until

31 July 2024

Richest Offer in the Market
Apple iPad 10th Gen WiFi 64GB (worth S$529)
Apple iPad 10th Gen WiFi 64GB (worth S$529)

Valid until

31 July 2024

Richest Offer in the Market
Dyson Supersonic™ hair dryer (worth S$699)
Dyson Supersonic™ hair dryer (worth S$699)

Valid until

31 July 2024

Richest Offer in the Market
Dyson Micro 1.5kg (worth S$599)
Dyson Micro 1.5kg (worth S$599)

Valid until

31 July 2024

Richest Offer in the Market
S$300 cash via PayNow + S$150 Shopee voucher
S$300 cash via PayNow + S$150 Shopee voucher

Valid until

31 July 2024

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

ICBC Chinese Zodiac Credit Card

ICBC Chinese Zodiac Credit Card

Cashback Local
1.6  %
info
Cashback Overseas
1.6  %
info
Min. Annual Income
S$ 30,000
Annual Fee
S$ 150
info

Things to consider for this product:

check

Overseas rebate

check

No rebate cap

check

No monthly spend required

check

Local spending rebate

American Express True Cashback Card

American Express True Cashback Card

Cashback Local
1.5  %
info
Cashback Overseas
1.5  %
info
Minimum Annual Income
Conditional
info
Annual Fee
S$ 174.4
info

Offer Available

SingSaver Exclusive Offer
S$150 Cash via PayNow
S$150 Cash via PayNow

Valid until

31 July 2024

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Travel insurance

check

Annual fee waiver

DBS Vantage Visa Infinite Card

DBS Vantage Visa Infinite Card

Cashback Local
1.5  %
info
Cashback Overseas
2.2  %
info
Minimum Annual Income
S$ 120,000
Annual Fee
S$ 599.5
info

Offer Available

Welcome Offer
Up to 85,000 miles
Up to 85,000 miles

Valid until

30 September 2024

Things to consider for this product:

check

Bonus air miles

check

Local spending rebate

check

Overseas rebate

check

Airport lounge

Lower min. spends
Standard Chartered Simply Cash Credit Card

Standard Chartered Simply Cash Credit Card

Cashback Local
1.5  %
Cashback Overseas
1.5  %
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 196.2
info

3 Offers Available

SingSaver Flash Deal
Get a chance to win an iPhone 15 128GB (worth S$1,311)
Get a chance to win an iPhone 15 128GB (worth S$1,311)

Valid until

31 July 2024

Upgrade Your Rewards with a Simple Top-Up
Save S$549 on an Apple Macbook Air M3 13
Save S$549 on an Apple Macbook Air M3 13" 256GB (worth S$1,599) by upgrading your reward with a top up

+ 3 other gift options

Valid until

31 July 2024

Richest Offer in the Market
Dyson Supersonic™ hair dryer (worth S$699)
Dyson Supersonic™ hair dryer (worth S$699)

Valid until

31 July 2024

Richest Offer in the Market
Apple iPad 10th Gen WiFi 64GB (worth S$529)
Apple iPad 10th Gen WiFi 64GB (worth S$529)

Valid until

31 July 2024

Richest Offer in the Market
Apple Watch SE 2nd Gen GPS + Cellular 44mm (worth S$503.60)
Apple Watch SE 2nd Gen GPS + Cellular 44mm (worth S$503.60)

Valid until

31 July 2024

Richest Offer in the Market
S$350 Cash via PayNow
S$350 Cash via PayNow

Valid until

31 July 2024

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

See All Prizes
 
Frame 1658
8x Apple iPad
(each worth $679)
Frame 1659
8x Dyson AirwrapTM styler
(each worth $849)
Frame 1660
8x Nintendo Switch OLED
(each worth $549)
Frame 1661
8x Playstation®5 consoles
(each worth $799)

 

See All Prizes
 
Frame 1658
8x Apple iPad
(each worth $679)
Frame 1659
8x Dyson AirwrapTM styler
(each worth $849)
Frame 1660
8x Nintendo Switch OLED
(each worth $549)
Frame 1661
8x Playstation®5 consoles
(each worth $799)

 

How does an Unlimited Cashback Credit Card Work?

An unlimited cashback credit card provides cashback on purchases without minimum spending or cap. Unlike other cashback cards that may have maximum cashback amounts or specific spending categories, these unlimited cashback credit cards allow you to earn cashback on all eligible transactions without any restrictions.

 

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How to best use an Unlimited Cashback Credit Card?

To make the most out of an Unlimited Cashback Credit Card and maximise your rewards, consider the following:

 

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Who should use an Unlimited Cashback Credit Card?

The unlimited cashback credit card is an excellent option for individuals seeking simplicity and flexibility in their rewards. It is well-suited for the following types of people:

 

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Things to look out for when choosing an Unlimited Cashback Credit Card

When selecting an unlimited cashback credit card, it's essential to consider several factors to ensure it aligns with your financial needs and goals. Here are some crucial things to look out for.

 

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Frequently Asked Questions

Are unlimited credit cards actually unlimited?

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Despite the term "unlimited," unlimited credit cards have certain limitations. They offer cashback on all eligible transactions without spending categories or caps. However, not all transactions may qualify, and there might be restrictions on certain purchases, and other terms. Reviewing the card's terms and conditions to understand its limitations entirely is crucial.

What is the difference between a regular cashback card and an unlimited cashback card?

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The main difference between regular and unlimited cashback cards is the spending requirements and cashback cap.
You must typically meet a minimum spend requirement for a regular cashback credit card to unlock the maximum cashback rate. For example, you may be required to spend at least S$800 a month to earn 8% cashback on dining transactions. Failure to meet the minimum spend will result in a flat cashback rate (0.25%). Plus, there is usually a cashback cap in place. For example, a regular cashback credit card may have a monthly cap of S$100. This means the highest cashback amount you can earn is S$100, regardless of how much you spend.

As for an unlimited cashback credit card, you typically earn a flat cashback rate (from 1% to 1.7%) regardless of how much you spend. Although the cashback rate is much lower than a regular cashback credit card, there is no cashback cap. This means that is no limit to how much you can earn from your purchases, which is why an unlimited cashback credit card is perfect for big-ticket purchases.

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