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 2025
Updated: 23 Jun 2025
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.
Why Trust SingSaver
Card | Hot Reward Pick | SingSaver Reward | Cashback Local | Cashback Overseas | Min. Annual Income | |||
|---|---|---|---|---|---|---|---|---|
 | Maybank Manchester United Platinum Visa Credit Card | - | - | Up to3 % | Up to3 % | S$30,000 | ||
 | CIMB World Mastercard | S$238 | 2 % | Up to3 % | S$30,000 | |||
 | CIMB Visa Infinite Card | S$238 | Unlimited2 % | Unlimited3 % | S$120,000 | |||
 | UOB Absolute Cashback Card | - | - | Up to1.7 % | Up to1.7 % | S$30,000 | ||
 | Maybank FC Barcelona Visa Signature Card | - | - | 1.6 % | 1.6 % | S$30,000 | ||
 | Citi Cash Back+ Card | S$999 | Up to3.25 % | 1.6 % | S$30,000 | |||
 | ICBC Chinese Zodiac Credit Card | - | - | 1.6 % | 1.6 % | S$30,000 | ||
 | American Express True Cashback Card | - | S$199 | 1.5 % | 1.5 % | Conditional | ||
 | DBS Vantage Visa Infinite Card | - | - | 1.5 % | 2.2 % | S$120,000 | ||
 | Standard Chartered Simply Cash Credit Card | S$999 | 2 % | 2 % | S$30,000 |
Card Details
Cashback Local
Up to 3 %Cashback Overseas
Up to 3 %Min. Annual Income
S$ 30000Annual Fee
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.
- 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$30,000
- Minimum Age: 21 years old
CIMB World Mastercard
rating
4.1/ 5
Cashback Local
2 %Cashback Overseas
Up to 3 %Min. Annual Income
S$ 30000Annual Fee
No Annual FeeApply through SingSaver and choose from 1 premium rewards:
.
You’ll also receive the following welcome gift(s) directly from the bank:
.
- Unlimited 2% cashback on dining, movies & digital entertainment, taxi, ride-hailing, automobile, and luxury goods.
- Unlimited 1% on all other eligible spend with no minimum spend.
- Enjoy 50% off green fees at 25 golf courses.
- Access to over 1,000 LoungeKey airport lounges globally.
- Can be used for bus and train rides with SimplyGo.
- No annual fees for life + up to 4 supplementary cards with no annual fees.
- Only Singapore citizens and Permanent Residents may apply.
- Minimum annual income requirement: S$30,000.
- Minimum spend of S$1,000 required for 2% cashback earn rate.
- Minimum spend of S$500 required for 1% cashback earn rate.
Repayment Details
- Minimum Payment: 3 %
- Late Payment Charge: S$100
- Interest on Purchase: 27.8 %
- Interest Free Period: 23 Days
- Interest on Cash Advance: 28 %
Fees
- Annual Fee: No Annual Fee
- Foreign Currency Transaction Fee: 3 %
- Cash Advance Service Charge: S$15
Eligibility
- Monthly Spend Required: S$1,000
- Minimum Annual Income: S$30,000
- Minimum Age: 21 years old
CIMB Visa Infinite Card
rating
3/ 5
Cashback Local
Unlimited 2 %Cashback Overseas
Unlimited 3 %Min. Annual Income
S$ 120000Annual Fee
No Annual FeeApply through SingSaver and choose from 1 premium rewards:
.
You’ll also receive the following welcome gift(s) directly from the bank:
.
- Unlimited 2% cashback on travel, overseas spend and online spend in foreign currencies.
- Unlimited 1% on all other retail spends.
- Principal cardmembers enjoy 3 complimentary global lounge access at more than 1,000 airports annually.
- Charge your full travel fares to your CIMB Visa Infinite and automatically get travel insurance coverage of up to S$1 million for you and your family.
- No annual fees for life + Up to 4 supplementary cards with no annual fees.
- Min. spending of S$2,000 in the statement month to qualify for the 2% cashback.
- Only Singapore citizens and Permanent Residents may apply.
- Minimum annual income requirement: S$120,000.
Repayment Details
- Minimum Payment: 3 %
- Late Payment Charge: S$100
- Interest on Purchase: 27.8 %
- Interest on Cash Advance: 28 %
- Interest Free Period: 23 days
Fees
- Annual Fee: No Annual Fee
- Foreign Currency Transaction Fee: 3 %
- Cash Advance Service Charge: S$15
Eligibility
- Monthly Spend Required: S$2,000
- Minimum Annual Income: S$120,000
- Minimum Age: 21 years old
UOB Absolute Cashback Card
rating
4.2/ 5
Cashback Local
Up to 1.7 % Cashback Overseas
Up to 1.7 %Min. Annual Income
S$ 30000Annual Fee
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.
- 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$30,000
- Minimum Age: 21 years old
Cashback Local
1.6 %Cashback Overseas
1.6 %Min. Annual Income
S$ 30000Annual Fee
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.
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$30,000
- Minimum Age: 21 years old
Citi Cash Back+ Card
rating
3.5/ 5
Cashback Local
Up to 3.25 %Cashback Overseas
1.6 %Min. Annual Income
S$ 30000Annual Fee
S$ 196.20Apply through SingSaver and choose from 6 premium rewards:
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- 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.
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$30,000
- Minimum Age: 21 years old
ICBC Chinese Zodiac Credit Card
rating
4.5/ 5
Cashback Local
1.6 %Cashback Overseas
1.6 %Min. Annual Income
S$ 30000Annual Fee
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.
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$30,000
- Monthly Spend Required: None
American Express True Cashback Card
rating
4.2/ 5
Cashback Local
1.5 %Cashback Overseas
1.5 %Min. Annual Income
ConditionalAnnual Fee
S$ 174.40You’ll also receive the following welcome gift(s) directly from the bank:
.
- 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.
- 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$174.40
- Foreign Currency Transaction Fee: 3.25 %
Eligibility
- Monthly Spend Required: None
- Minimum Annual Income: Conditional
- Minimum Age: 21 years old
DBS Vantage Visa Infinite Card
rating
1/ 5
Cashback Local
1.5 %Cashback Overseas
2.2 %Min. Annual Income
S$ 120000Annual Fee
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.
- 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$120,000
- Minimum Age: 21 years old
Cashback Local
2 %Cashback Overseas
2 %Min. Annual Income
S$ 30000Annual Fee
S$ 196.20Apply through SingSaver and choose from 5 premium rewards:
.
You’ll also receive the following welcome gift(s) directly from the bank:
.
- Get 2% unlimited cashback with min. spend of S$800 on monthly basis based on your statement date.
- 1.5% unlimited cashback rate with no min. spend.
- Enjoy offers and privileges for online, dining, retail and more with The Good Life®.
- 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
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.
This means there's no restrictions on the amount of cashback you can earn, giving you the freedom to accumulate rebates without constraints. It's a straightforward and hassle-free way to get rewarded for your spending, no matter how much or where you spend it.
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:
Understand the Cashback Terms
Familiarise yourself with the card's cashback terms and conditions. Know the flat cashback rate offered and any specific exclusions or limitations that may apply. Exclusions may include digital wallet top-ups, bill payments, paying for insurance premiums, or topping up your EZ-Link card.
Use for Big Purchases
Since there are no spending categories or caps, use the card for large purchases like weddings, home renovations, or overseas trips. This way, you can earn cashback without any restrictions or worry.
Combine it with other Cashback Credit Cards
If you have hit the cashback cap on your other credit card, use an unlimited cashback credit card for additional purchases to ensure you don’t miss out on earning rebates.
Consolidate Your Spending
Consider consolidating your spending onto an unlimited cashback card if you have multiple credit cards. This simplifies tracking and ensures you don't miss out on any rewards.
Combine with Promotions
Take advantage of any additional promotions or discounts the credit card issuer or partnering merchants offers to boost your savings.
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:
Everyday Spenders
Those who use their credit cards for a significant portion of their daily expenses, such as groceries, dining, shopping, and bills, will benefit from earning cashback on all transactions.
People who prefer simplified rewards
People who prefer a straightforward rewards programme without the need to keep track of spending categories or minimum spending will find this card appealing.
Those who prefer no spending restrictions
Individuals who want the freedom to spend on various categories without worrying about cashback caps or limitations will appreciate the unlimited nature of these credit cards.
Rewards Maximisers
Those who want to maximise their rewards and earn cashback on all eligible purchases, regardless of the amount spent, can use an unlimited cashback credit card.
Big Spenders
People who make significant purchases regularly, such as expensive electronics or travel bookings, can earn cashback rewards with an unlimited cashback credit card.
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.
Cashback Percentage
Check the flat cashback rate offered by the card. While it's "unlimited," the actual cashback percentage can vary between different cards. Aim for a competitive rate that suits your spending habits.
Eligible Spending
Verify if there are any exclusions or specific categories that do not qualify for cashback. While it's an unlimited cashback card, some transactions may not be eligible for rewards. Some examples include digital wallet top-ups, payments to government agencies, paying for insurance premiums, or gambling-related purchases.