Unlimited Cash Back All Cash Back Cards High Cash Back Cards No Minimum Spend Required Go to: Overseas

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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

Maybank DUO Platinum MasterCard

Cashback Local

5 %

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Cashback rate on petrol transactions in Singapore and Malaysia.

Cashback Overseas

1.5 %

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No minimum spend and no cap.

Minimum Annual Income

S$ 30,000

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

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.

Minimum Annual Income

S$ 30,000

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S$30,000 (Singaporean & PR) S$45,000 (Malaysian Citizen) S$60,000 (Foreigner).

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

CIMB World Mastercard

Cashback Local

2 %

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2% cashback on dining, entertainment, luxury goods and taxi with $1,000 min. spend posted in the same statement month. No cap.

Cashback Overseas

1 %

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On all other spend

Minimum Annual Income

S$ 30,000

Annual Fee

No Annual Fee

Offer Available

Best Deal Guarantee

S$280 cash via PayNow

Valid until

02 May 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

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Monthly spend required

CIMB Visa Infinite Card

Cashback Local

Unlimited 2 %

Cashback Overseas

Unlimited 2 %

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2% cashback on overseas and travel related spend. Charge a minimum of S$2,000 in month. No cashback cap.

Minimum Annual Income

S$ 120,000

Annual Fee

No Annual Fee

Offer Available

Best Deal Guarantee

S$280 cash via PayNow

Valid until

02 May 2024

Things to consider for this product:

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No rebate cap

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Airport lounge

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Travel insurance

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Annual Fee waiver

UOB Absolute Cashback Card

Cashback Local

1.7 %

Cashback Overseas

1.7 %

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

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First Year Waived

Offer Available

Welcome Offer

S$350 cash credit

Valid until

30 April 2024

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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Insurance rebate

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Local spending rebate

Maybank FC Barcelona Visa Signature Card

Cashback Local

1.6 %

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Unlimited cashback, no minimum spend.

Cashback Overseas

1.6 %

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Unlimited cashback, no minimum spend.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 130.8

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First 2 Years Waived, thereafter can be waived if min spend of $10K is hit per annum

Things to consider for this product:

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Annual Fee waiver

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No monthly spend required

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No rebate cap

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Overseas rebate

Citi Cash Back+ Card

Cashback Local

1.6 %

Cashback Overseas

1.6 %

Min. Annual Income

S$ 30,000

Annual Fee

S$ 196.2

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First Year Waived

2 Offers Available

SingSaver Lightning Deal

Sony PlayStation® 5 Slim Disc Edition (worth S$799)

Valid until

02 May 2024

SingSaver Lightning Deal

Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)

Valid until

02 May 2024

SingSaver Lightning Deal

S$500 eCapitaVoucher

Valid until

02 May 2024

Best Deal Guarantee

Dyson Supersonic™ hair dryer (worth S$699)

Valid until

02 May 2024

Best Deal Guarantee

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)

Valid until

02 May 2024

Best Deal Guarantee

Dyson V8 Slim Fluffy (worth S$509)

Valid until

02 May 2024

Best Deal Guarantee

S$400 eCapitaVoucher

Valid until

02 May 2024

Best Deal Guarantee

S$300 cash via PayNow

Valid until

02 May 2024

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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High-value gift

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

Gift Options

Dyson Supersonic™ hair dryer (worth S$699); or
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30); or
Dyson V8 Slim Fluffy (worth S$509); or
S$400 eCapitaVoucher; or
S$300 cash via PayNow

ICBC Chinese Zodiac Credit Card

Cashback Local

1.6 %

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No minimum spend and no cap on cashback earned.

Cashback Overseas

1.6 %

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No minimum spend and no cap on cashback earned.

Min. Annual Income

S$ 30,000

Annual Fee

S$ 150

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First Three Years Waived

Things to consider for this product:

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Overseas rebate

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No rebate cap

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No monthly spend required

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Local spending rebate

American Express True Cashback Card

Cashback Local

1.5 %

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No minimum spend required. 3% cash back for the first S$5000 spend in the first 6 months.

Cashback Overseas

1.5 %

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No minimum spend required. 3% cash back for the first S$5000 spend in the first 6 months.

Minimum Annual Income

Conditional

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Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.

Annual Fee

S$ 174.4

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First Year Waived

Offer Available

AMEX Flash Deal

S$150 Upsized Cash via PayNow

Valid until

15 May 2024

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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Travel insurance

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Annual fee waiver

DBS Vantage Visa Infinite Card

Cashback Local

1.5 %

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S$1 local spend = 1.5% cashback

Cashback Overseas

2.2 %

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S$1 overseas spend = 2.2% cashback

Minimum Annual Income

S$ 120,000

Annual Fee

S$ 599.5

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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

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).

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

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First Two Years Waived

2 Offers Available

SingSaver Lightning Deal

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

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

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

Gift Options

Dyson Supersonic™ hair dryer (worth S$699); or
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

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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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.

Best Unlimited Cashback Credit Cards in Singapore 2024

Maybank DUO Platinum MasterCard

Things to consider for this product:

Quick Facts

Maybank Manchester United Platinum Visa Credit Card

Things to consider for this product:

Quick Facts

CIMB World Mastercard

Offer Available

Things to consider for this product:

Quick Facts

CIMB Visa Infinite Card

Offer Available

Things to consider for this product:

Quick Facts

UOB Absolute Cashback Card

Offer Available

Things to consider for this product:

Quick Facts

Maybank FC Barcelona Visa Signature Card

Things to consider for this product:

Quick Facts

Citi Cash Back+ Card

2 Offers Available

Things to consider for this product:

Quick Facts

ICBC Chinese Zodiac Credit Card

Things to consider for this product:

Quick Facts

American Express True Cashback Card

Offer Available

Things to consider for this product:

Quick Facts

DBS Vantage Visa Infinite Card

Offer Available

Things to consider for this product:

Quick Facts

Standard Chartered Simply Cash Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

Quick Facts

How does an Unlimited Cashback Credit Card Work?

How to best use an Unlimited Cashback Credit Card?

Who should use an Unlimited Cashback Credit Card?

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

Frequently Asked Questions

Are unlimited credit cards actually unlimited?

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