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Citi Cashback Credit Card

SingSaver's Exclusive OfferFeatured
SingSaver's Exclusive Offer:
Free S$200 vouchers for new customers. S$30 for existing customers.
Great Multi-Purpose Card with 8% cashback on Dining, Groceries, Grab and Petrol
Great Multi-Purpose Card with 8% cashback on Dining, Groceries, Grab and Petrol

Features

POPULAR!SingSaver Exclusive: Get S$200 NTUC Fairprice vouchers, Takashimaya vouchers or Grab promo codes upon approval new customers only. Promo ends 30 June 2019. Terms and Conditions apply.
SingSaver Exclusive: Get S$30 NTUC FairPrice vouchers upon approval for existing customers. Promo valid till 30 June 2019. Apply here for existing customers.
8% cash back on Dining, Groceries & Petrol daily, worldwide. Subject to cash back cap of S$25 per category per statement month with a min. spend of S$888 per statement month.
8% off Grab rides valid till 30 June 2019. Subject to cash back cap of S$25 with a min. spend of S$888 per statement month.
Fuel savings of up to 20.88% at Esso & Shell.
Up to S$1,000,000 coverage when you charge your travel tickets to the card.
All other retail spend earns 0.25% cash back, no cap.
Bonus 7.75% cash back on Dining, Groceries, Petrol and Grab spend is capped at S$25 cash back per category per statement month
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$42,000

Promotions and Terms and Conditions

SingSaver Exclusive Offer
Receive S$200 vouchers

$200 Fairprice vouchers, Takashimaya vouchers or Grab promo codes upon approval new customers only. 

  • Get $30 NTUC FairPrice vouchers upon approval for existing customers.
  • Terms and Conditions apply.
  • Promotion valid till 30 June 2019.

APR/Fees

APR
Minimum Payment
1% of current a/c balance plus 1% outstanding amount plus late charges or S$50, whichever is higher.
Late payment charge
S$100 if Minimum Payment Due is not received on or before the Payment Due Date.
Interest On Purchases
26.9%
Interest On Cash Advance
28.0%
Interest Free Repayment Period
25 Days
Fees
Annual fee
S$192.60 (First Year Fee Waiver)
Foreign Currency Transaction Fee
3.0%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000
Minimum Monthly Spend
S$888

Standard Chartered Unlimited Credit Card

SingSaver's Exclusive OfferFeatured
SingSaver's Exclusive Offer:
$220 cash and cashback for new customers. Receive up to $90 cash and cashback for existing customers.
Fuss free cashback cap with no min spend and no cashback cap
Fuss free cashback cap with no min spend and no cashback cap

Features

SingSaver Exclusive: Get S$100 cash when your card is activated - for new customers only! Existing customers get $50 cash. Promotion is valid till 30 June 2019. Terms and Conditions apply.
Get S$100 cash back for new customers & S$20 cash back for existing customers! This promotion ends 30 June 2019. Terms and Conditions apply.
NEW! Receive your digital card instantly with MyInfo. Receive a S$20 cashback when you are instantly approved, activate your virtual card and make at least one Eligible Retail Transaction within 3 days of the date of instant approval. Promotion valid till 30 June 2019. Terms and Conditions apply.
Enjoy 1-for-1 Dining Privileges at selected restaurants with The Good Life®
1.5% cashback for all eligible spends. No min. spend and no cash back cap.
Receive a total of 3% cashback on foreign currency spend. Promotion valid till 30 June 2019. Terms and Conditions apply.
Double up as your EZ-Link card for hassle-free auto top-up with EZ-Reload
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$60,000.

Promotions and Terms and Conditions

SingSaver Exclusive Offer
Receive up to S$100 cash

Receive S$100 cash when your card is approved and activated for new customers. 

Welcome Offer
OFFER 1
$100 cashback for new customers, $20 cashback for existing customers

Get $100 cash back for new customers & $20 cash back for existing customers! 


OFFER 2
$20 cashback when you apply for a digital card

NEW!S$20 cashback when you are instantly approved, activate your virtual card and make at least one Eligible Retail Transaction within 3 days of the date of instant approval. 


APR/Fees

APR
Minimum Payment
S$50 or 1% of principal plus interest, fees and charges; plus any overlimit amount and past due amount.
Late payment charge
If Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$80 will be levied.
Interest On Purchases
26.9%
Interest On Cash Advance
28.0%
Interest Free Repayment Period
22 Days
Fees
Annual fee
S$192.60 (First Two Years Fee Waiver)
Foreign Currency Transaction Fee
3.5%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000

CIMB Visa Signature Card

Features

10% cashback on beauty and wellness and online shopping
10% cashback on groceries
10% cashback on pet shops and veterinary services
10% cashback on cruises
The 10% cashback is capped at S$100 per statement month per Principal Cardmember and up to S$20 per category.
Charge your full travel fares to your CIMB Visa Signature, and automatically get travel accident insurance coverage of up to US$500,000 for you and your family.
Get unlimited 0.2% cashback on all other retail spend with your CIMB Visa Signature, at no minimum spend or monthly cap!
Annual fees waived for life.
To qualify for the 10% cashback, Cardmembers must spend at least S$800, all posted in the same statement month.
The 10% cashback consists of the base cashback of 0.2% and an additional 9.8% cashback. Beyond the cap, Cardmembers will earn 0.2% cashback on all spend.
Note that only SG/PRs may apply.

APR/Fees

APR
Minimum Payment
3% of the outstanding balance or S$50.
Late payment charge
If Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$80 will be levied.
Interest On Purchases
25.5%
Interest On Cash Advance
28.0%
Interest Free Repayment Period
23 Days
Fees
Annual fee
Free for Life
Foreign Currency Transaction Fee
1.0%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000
Minimum Monthly Spend
S$800

CIMB Platinum MasterCard

Features

10% cashback on wine and dine
10% cashback on travel in foreign currency
10% cashback on health and medical
10% cashback on transport and petrol
The 10% cashback is capped at S$100 per statement month per Principal Cardmember and up to S$20 per category.
Save on the hassle of carrying a separate transit card or topping up stored-value transit cards. Simply Tap & Go with your card for your bus and train rides.
Ease of Payment with Mastercard Tap & Go: Save on the hassle of carrying a separate transit card or topping up stored-value transit cards. Simply Tap & Go with your card for your bus and train rides.
Shop online with a peace of mind with complimentary e-Commerce Purchase Protection Insurance by Mastercard. Terms and conditions apply. Find out more.
0.2% cashback on all other local and overseas spend and when 10% cashback exceeds S$100 cashback cap. No min. spend. No cashback cap.
Annual fees waived for life.
To qualify for the 10% cashback, Cardmembers must spend at least S$800, all posted in the same statement month.
The 10% cashback consists of the base cashback of 0.2% and an additional 9.8% cashback. Beyond the cap, Cardmembers will earn 0.2% cashback on all spend.
Min. income requirement for Singaporeans/PRs: S$30,000

APR/Fees

APR
Minimum Payment
3% of the outstanding balance or S$50.
Late payment charge
If Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$80 will be levied.
Interest On Purchases
25.5%
Interest On Cash Advance
28.0%
Interest Free Repayment Period
23 Days
Fees
Annual fee
Free for Life
Foreign Currency Transaction Fee
1.0%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000
Minimum Monthly Spend
S$800

UOB One Card

Welcome Gift
Welcome Gift:
Free S$50 cash upon card approval + up to S$150 cash credit for new cardholders.

Features

SingSaver Exclusive: Get S$50 cash reward when your card is approved! Promotion ends 30 June 2019. Terms and Conditions apply.
Receive up to S$150 cash credit for new credit card holders who charge a minimum of S$1,500 within first 30 days. Promotion valid till 31 Oct 2019. Terms and Conditions apply.
Up to 5% cash rebate on ALL retail spend or S$1,200 rebate in a year (Up to 3.33% rebate for spend below S$2,000)
Additional 10% SMART$ rebate at over 300 participating merchants across dining, groceries, shopping and more
Travel Insurance Coverage of up to S$500,000 when you book your air tickets. Terms and Conditions apply.
Petrol savings of up to 20.8% at Shell and 24% at SPC
Upsize your savings with up to 3.88% bonus interest with UOB One Account
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$40,000

Promotions and Terms and Conditions

SingSaver Exclusive Offer
Receive up to S$50 cash

Receive S$50 cash when your card is approved and activated for new and existing customers. 

Welcome Offer
Receive S$150 cash credit
  • Spend a minimum of S$1,500 in the first 30 days of card approval.
  • Only applicable for new customers only
  • Terms and Conditions apply.
  • Promotion valid till 31 Oct 2019

APR/Fees

APR
Minimum Payment
3% of current balance or S$50, whichever is higher, plus any overdue amounts.
Late payment charge
S$100 if Minimum Payment Due is not received on or before the Payment Due Date.
Interest On Purchases
25.9%
Interest On Cash Advance
28.0%
Interest Free Repayment Period
21 Days
Fees
Annual fee
S$192.60 (First Year Fee Waiver)
Foreign Currency Transaction Fee
2.8%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000
Minimum Monthly Spend
S$2000

OCBC CashFlo Credit Card

Welcome Gift
Welcome Gift:
Receive S$50 cash rebate upon approval for new OCBC credit card applications
Receive your digital card instantly when you apply with MyInfo
Receive your digital card instantly when you apply with MyInfo

Features

Receive S$50 cash rebate upon approval for new OCBC Credit Card applications. Promotion valid till 31 July 2019. Terms and Conditions apply.
Stretch the payments over 3 OR 6 months with Zero interest.
Pay over 3 months when you spend from S$100 to less than S$1,000
Pay over 6 months when you spend S$1,000 and more
0.5% cash rebate with monthly bill below S$1,000. 1% cash rebate with monthly bill of S$1,000 and above.
50% off Explorer travel insurance single trip plans with your OCBC Cashflo Credit Card
Not applicable to any Cash Advance, Balances Transfer, Instalment Payment Plan, Interest fees and such other promotions and transactions.
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$45,000

Promotions and Terms and Conditions

Welcome Offer
Receive $50 cash credit

Receive S$50 cash rebate upon approval for new OCBC Credit Card applications.


APR/Fees

APR
Minimum Payment
S$50 or 3% of the Total Balance, whichever is higher, and any overdue amount.
Late payment charge
If Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$100 will be levied.
Interest On Purchases
25.92%
Interest On Cash Advance
28.92%
Interest Free Repayment Period
23 Days
Fees
Annual fee
S$160.50 (First Two Years Fee Waiver)
Foreign Currency Transaction Fee
2.8%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000
Minimum Monthly Spend
S$1,000

OCBC 365 Credit Card

SingSaver's Exclusive Offer
SingSaver's Exclusive Offer:
Receive S$100 cash rebate upon approval for new OCBC credit card applications
Best for daily spending on food, groceries, commuting and dining.
Best for daily spending on food, groceries, commuting and dining.

Features

SingSaver Exclusive: Get S$100 cash back upon approval. Promo is valid till 30 June 2019. Terms and Conditions apply.
For existing customers, please click here.
Get 6% cash rebate for overseas and local dining, all day, including online food delivery
3% cashback on groceries at supermarkets, local and overseas, inclusive of online groceries
3% cashback on local and overseas private hire rides (e.g. ComfortDelGro, Ofo and Ryde), including local and overseas taxi
3% cashback on recurring telco bills and electricity bills
3% cashback on online air and cruise tickets purchase and online hotel and tour bookings (e.g. Agoda and Airbnb)
Up to 23% fuel savings at Caltex and 5% cashback on fuel spend at all other petrol stations
Annual fee waiver for first 2 years. Min. spend of S$10,000 for automatic waivers of annual fee for OCBC 365 Card.
Min. spend of S$800 and Cashback cap of S$80 per month.
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$45,000

Promotions and Terms and Conditions

Welcome Offer
Receive $100 cashback upon approval

Receive S$100 cash back upon approval

  • Only applicable for new cardholders (new OCBC principal credit card holder who is not holding any existing OCBC credit card
  • Terms and Conditions apply
  • Promotion valid till 30 June 2019.

APR/Fees

APR
Minimum Payment
S$50 or 3% of the Total Balance, whichever is higher, and any overdue amount.
Late payment charge
If Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$100 will be levied.
Interest On Purchases
25.92%
Interest On Cash Advance
28.92%
Interest Free Repayment Period
23 Days
Fees
Annual fee
S$192.60 (First Two Years Fee Waiver)
Foreign Currency Transaction Fee
2.8%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000
Minimum Monthly Spend
S$800

HSBC Advance Credit Card

SingSaver's Exclusive Offer
SingSaver's Exclusive Offer:
S$150 cashback or Samsonite T5 Spinner for new customers and S$30 cashback for existing customers.

Features

Sign Up gift for New Cardholder: S$150 cash back or Samsonite T5 Spinner with built-in scale worth S$560
Sign Up gift Existing Cardholder: S$30 cash back
To qualify for the sign up gift, Cardholder will have to spend a minimum of S$800 within a month of card approval for sign up gift. Promotion is valid till 31 July 2019. Terms and Conditions apply.
Receive 2.5% cash back on all purchases with min. monthly spend of >S$2,000, or receive 1.5% cash back with a monthly spend of S$2,000 and below. No minimum spend required. Cash back cap at S$70 per month.
Additional 1% cash back for Advance banking customers for both spend tiers. Cash back at S$125 per month and perpetual annual fee waiver for Advance banking customers.
Get up to 16% instant petrol discount at all Caltex and Shell stations
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$40,000

Promotions and Terms and Conditions

Welcome Offer
Receive up to S$150 cashback
  • Choice of S$150 cashback or Samsonite T5 Spinner worth S$560 for new cardholders
  • Existing cardholders will receive S$30 cashback
  • To qualify, cardholder will have to spend a minimum of S$800 in the first month after card approval
  • Promotion valid till 31 July 2019
  • Terms & Conditions apply.

APR/Fees

APR
Minimum Payment
3% of outstanding balance or S$50, whichever is greater
Late payment charge
S$55 if Minimum Payment Due is not received on or before the Payment Due Date.
Interest On Purchases
25.90%
Interest On Cash Advance
28.0%
Interest Free Repayment Period
20 Days
Fees
Annual fee
S$192.60 (First Year Fee Waiver, Perpetual fee waiver for HSBC Advance banking customers)
Foreign Currency Transaction Fee
2.8%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000
Minimum Monthly Spend
S$2,000

UOB YOLO Card

Welcome Gift
Welcome Gift:
Free S$50 cash upon card approval + up to S$150 cash credit for new cardholders.

Features

SingSaver Exclusive: Get S$50 cash reward when your card is approved! Promotion ends 30 June 2019. Terms and Conditions apply.
Receive up to S$150 cash credit for new credit card holders who charge a minimum of S$1,500 within first 30 days. Promotion valid till 31 Oct 2019. Terms and Conditions apply.
Earn 8% cashback on weekends and 3% cashback on weekdays for online, Grab, dining and online spend. Bonus cashback for online spend is caped at S$20 per month.
Earn 0.3% cash back on all other spends.
Get up to 3.88% p.a. interest rates with UOB One Account
Get same day delivery of card upon approval. Terms and Conditions apply. 
Earn 0.3% rebate on all other spend
Spend a min. of S$600 per statement month to earn maximum cash back rates, with a cap of S$60 per statement month
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$40,000

Promotions and Terms and Conditions

SingSaver Exclusive Offer
Receive up to S$50 cash

Receive S$50 cash when your card is approved and activated for new and existing customers. 

Welcome Offer
Receive S$150 cash credit
  • Spend a minimum of S$1,500 in the first 30 days of card approval.
  • Only applicable for new customers only
  • Terms and Conditions apply.
  • Promotion valid till 31 Oct 2019.

APR/Fees

APR
Minimum Payment
3% of current balance or S$50, whichever is higher, plus any overdue amounts.
Late payment charge
S$100 if Minimum Payment Due is not received on or before the Payment Due Date.
Interest On Purchases
25.9%
Interest On Cash Advance
28.0%
Interest Free Repayment Period
21 Days
Fees
Annual fee
S$192.60 (First Year Fee Waiver)
Foreign Currency Transaction Fee
2.8%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000
Minimum Monthly Spend
S$600

OCBC Frank Card

SingSaver's Exclusive Offer
SingSaver's Exclusive Offer:
Receive S$50 cash rebate upon approval for new OCBC credit card applications

Features

NEW!Get $50 cash back upon approval when you apply via MyInfo. Promo is valid till 30 June 2019. Terms and Conditions apply.
For existing customers, please click here.
6% cashback on online shopping with selected merchants
5% cashback from Friday to Sunday, and 3% cashback during the rest of the week at bars, cinemas, KTVs, clubs and selected cafes (Starbucks® , The Coffee Bean & Tea Leaf, The Connoisseur Concerto (tcc), Dimbulah Coffee, Coffee Club)
Annual fee waiver for first 2 years.
3% rebate on the first 2 NETS FlashPay Auto Top-Ups and 0.3% rebate on everything else.
Min. spend of S$400 and cashback cap of S$60 per month. 0.3% cashbacks on all other purchases and after reaching the S$60 monthly cap.
Online shopping cashback does not include payment for government, financial institutions, public utilities, membership fees, or donations
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$45,000

Promotions and Terms and Conditions

Welcome Offer
$50 cashback

Receive $50 cashback upon approval if you are a new customer.


APR/Fees

APR
Minimum Payment
S$50 or 3% of the Total Balance, whichever is higher, and any overdue amount.
Late payment charge
If Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$100 will be levied.
Interest On Purchases
25.92%
Interest On Cash Advance
28.92%
Interest Free Repayment Period
23 Days
Fees
Annual fee
S$80.00 (First Two Years Fee Waiver)
Foreign Currency Transaction Fee
2.8%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000
Minimum Monthly Spend
S$400

Need some help?

No worries, we've got you covered!

What is a Cashback Credit Card?

Cashback credit cards return a percentage of your spend as cash rebate, which is deducted against your card charges in your next credit card statement.

How Cashback Cards Work?

Simply charge your spend to a cashback card, and you automatically receive a rebate off your purchase as “cash back”. If your cashback credit card offers you 5% cashback on petrol purchases, your $100 charge earns you $5 in cash rebate. The same principle is applied to a range of charges including shopping, dining, travel and overseas spend.

How to Earn Cashback?

The easiest way to earn cashback is to take a look at your spending behaviour. If you are a frequent traveller with a fair bit of overseas spend, choose a cashback credit card that gives higher rebates for overseas and foreign currency spend. If you are into online shopping, apply for credit card with a higher cashback rate for online shopping. Similarly if you eat out a lot, choose a cashback card that offers a higher cashback rate for dining. You should do a comparison of the top cashback credit cards online and decide on the card that works best for you.

What purchases are eligible for cash back rewards?

Cashback is usually awarded on specific categories such as dining, shopping, transport, travel and fuel. Some cards come with a cap on how much cash rebate you can receive per month as well as a monthly minimum total spend on the card before you can earn that cashback rate. There are also cards that do not have these restrictions. For example, the Standard Chartered Unlimited Card offers a flat rate of 1.5% cashback on all your spend regardless of categories and regardless of minimum spend. So do a comparison of the top cashback credit cards online and decide on the card that works best for you.

Confused about credit card terms?

Glossary terms to know for first-time credit card users