Best Credit Cards with Dyson Rewards June 2025
Updated: 19 Jun 2025
Choosing the right credit card is a crucial financial decision. With so many options available, finding the perfect card that aligns with your spending habits and financial goals can be overwhelming. SingSaver simplifies this process by providing comprehensive comparison tools and in-depth reviews of the best credit cards in Singapore. Our team of experts meticulously evaluates various credit card offers, considering factors like rewards programmes, interest rates, fees, and perks, to help you make informed decisions and find the best credit card deals Singapore has to offer.
✨Top Up for a Glow Up with Dyson✨
Only on SingSaver: Top up your reward from just S$30 and upgrade to a Dyson beauty tool or home essential worth up to S$999 when you apply for a credit card.
Why Trust SingSaver
Card | Hot Reward Pick | SingSaver Reward | Reward Elsewhere | Earn Rate & Perks | Monthly Spend Required | |||
|---|---|---|---|---|---|---|---|---|
 | HSBC Revolution Credit Card | S$549 | S$589.00 | 0.00 | S$0.00 | |||
 | Citi Rewards Card | S$999 | S$589.00 | 0.00 | 0.00 | |||
 | Standard Chartered Simply Cash Credit Card | S$879 | S$350.00 | 0.00 | 0.00 | |||
 | HSBC Live+ Credit Card | S$549 | S$589.00 | 0.00 | 0.00 | |||
 | Citi PremierMiles Card | S$999 | S$589.00 | 0.00 | 0.00 | |||
 | HSBC TravelOne Credit Card | S$549 | S$589.00 | 0.00 | S$0.00 | |||
 | Citi Cash Back+ Card | S$999 | S$589.00 | 0.00 | 0.00 | |||
 | HSBC Advance Credit Card | S$549 | S$589.00 | 0.00 | S$2000.00 | |||
 | Citi SMRT Card | S$999 | S$589.00 | 0.00 | S$500.00 | |||
 | Citi Cash Back Card | S$999 | S$589.00 | - | S$800.00 | |||
 | Citi M1 Platinum Visa Card | S$999 | S$589.00 | 0.00 | 0.00 |
Don’t miss out on these great deals:
🎮 Flash Deal: Get a Nintendo Switch 2 (worth S$719)!
Be among the first 20 approved applicants at 2PM & 10PM daily to enjoy a reward upgrade to a Nintendo Switch 2 (worth S$719)! Plus, upgrade your reward to a premium Dyson hair or home product worth up to S$999 — with a top-up starting from just S$50!
Apply by Jun 23, 2025 to claim your reward:
Participating Cards:
HSBC Live+ Credit Card
:
For Cashback Chasers
HSBC Revolution Credit Card
:
For Online Shoppers
HSBC Advance Credit Card
:
For All-Around Cashback
HSBC TravelOne Credit Card
:
For Jetsetters
How to Qualify?
- Apply for eligible HSBC Credit Cards through SingSaver by 30 June 2025
- Submit the SingSaver Reward Redemption form
- Activate your card and spend a minimum of
S$800S$500 by the end of the following month from card approval date to be eligible for reward - Apply now and be eligible for the VISA Concert Presale happening 11 June!
- Promotion is valid for new HSBC credit cardmembers only
- Promotion does not stack with other welcome offers from HSBC
- Terms and Conditions apply
Apply by Jun 23, 2025 to claim your reward:
HSBC Revolution Credit Card
rating
3.4/ 5
Rewards Points (Baseline)
1.00 point / dollarAirmiles (Online Shopping)
4.00 miles / dollarRewards Points Cap
9000.00 bonus pointsApply through SingSaver and choose from 7 premium rewards:
.
- Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
- 10X reward points (equivalent to 4 air miles or 2.5% cashback) on online purchases (subject to underlying whitelist Merchant Category Codes).
- 1X reward point for all other spending.
- No minimum spend required.
- No annual fee.
- Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
- Eligible categories: Online payment; shopping; groceries; dining; food delivery; ride-hailing apps.
- Up to 16% and 14% off petrol at Caltex and Shell respectively.
- Up to S$300,000 complimentary travel insurance for cardholder and family when travel tickets are charged to card.
- Compatible with Apple Pay, Google Pay, and Visa PayWave.
- Can convert between cashback, miles, or reward points flexibly.
- Great for homemakers, working adults, miles chaser, enjoy flexibility between rebate types (cashback/miles/points), prefer fuss-free spending without min. spend.
- Read our review of the HSBC Revolution Credit Card.
- Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus points.
- Cap of 9,000 bonus reward points per calendar month on eligible purchases.
- 1X reward point earned on public transport (via SimplyGo) only.
- HSBC reward points expire after 37 months (unlike Citi Rewards’ ThankYou Points of 60 months).
Repayment Details
- Minimum Payment: 3.00 %
- Late Payment Charge: S$100.00
- Interest on Purchase: 26.90 %
- Interest on Cash Advance: 28.00 %
- Interest Free Period: 20.00 Days
Fees
- Annual Fee: 0.00
- Foreign Currency Transaction Fee: 3.25 %
- Air Miles Conversion Fee: S$40.00
- Cash Advance Service Charge: S$15.00
Eligibility
- Monthly Spend Required: S$0.00
- Minimum Annual Income: S$30000.00
- Minimum Age: 21.00 years old
Citi Rewards Card
rating
4.4/ 5
Rewards Points (Shopping)
Up to 10.00 points / dollarRewards Points (Baseline)
1.00 point / dollarAirmiles (Shopping)
Up to 4.00 miles / dollarRewards Points Cap
9000.00 ThankYou Points / monthApply through SingSaver and choose from 5 premium rewards:
.
- 10X rewards points for all online purchases except mobile wallet and travel-related transactions.
- 10X rewards points for in-store shopping purchases at department stores, clothing stores and more.
- 1X rewards points on all other purchases.
- Pair with amaze card to turn offline transactions into online transactions.
- No cap on base rewards points.
- Rewards points conversion rate: 440 Points = S$1
- Rewards points are rounded down to the nearest 10 points on all purchases.
- Use Citi PayAll to earn ThankYou PointSM when you pay your bills with your Citi Rewards Card.
- 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 Rewards Card will be updated to end on 31 March 2026. For more information, please click here.
- Read our full review of the Citi Rewards Card
- Bonus rewards points capped at 9,000 points per statement month
Repayment Details
- Minimum Payment: 1.00 %
- Late Payment Charge: S$100.00
- Interest on Purchase: 27.90 %
- Interest on Cash Advance: 27.90 %
- Interest Free Period: 25.00 Days
Fees
- Annual Fee: S$196.20
- Foreign Currency Transaction Fee: 3.25 %
- Air Miles Conversion Fee: S$25.00
- Cash Advance Service Charge: S$15.00
Eligibility
- Monthly Spend Required: 0.00
- Minimum Annual Income: S$30000.00
- Minimum Age: 21.00 years old
Cashback
2.00 %Cashback (Baseline)
1.50 %Monthly Spend Required
0.00Annual Fee Waiver
1 yearApply 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$50.00
- Interest on Purchase: 27.90 %
- Interest on Cash Advance: 28.00 %
- Interest Free Period: 22.00 days
- Late Payment Charge: S$100.00
Fees
- Annual Fee: S$196.20
- Foreign Currency Transaction Fee: 3.50 %
- Cash Advance Service Charge: S$15.00
Eligibility
- Monthly Spend Required: 0.00
- Minimum Annual Income: S$30000.00
- Minimum Age: 21.00 years old
Cashback (Local)
0.00Cashback (Baseline)
0.30 %Monthly Spend Required
0.00Annual Fee Waiver
1 yearApply through SingSaver and choose from 7 premium rewards:
.
- Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
- 8% cashback* on dining, entertainment, and shopping spend (both local and overseas).
- 5% cashback* on fuel spending at Caltex and Shell stations in Singapore.
- 0.3% cashback* on all other qualifying spend.
- First year annual fee waived.
- Min. spending of S$600 per calendar month, for all 3 months in a calendar quarter, required to earn 8% cash rebate.
- Cashback* capped at S$250 per calendar quarter.
- Cash rebates* are credited quarterly instead of monthly.
- *Min. spend and other terms & conditions apply. Valid till 31 Dec 2024.
Repayment Details
- Minimum Payment: 3.00 %
- Late Payment Charge: S$100.00
- Interest on Purchase: 26.90 %
- Interest on Cash Advance: 28.00 %
- Interest Free Period: 20.00 Days
Fees
- Annual Fee: S$196.20
- Foreign Currency Transaction Fee: 3.25 %
- Air Miles Conversion Fee: S$40.00
- Cash Advance Service Charge: S$15.00
Eligibility
- Monthly Spend Required: 0.00
- Min. Annual Income: S$30000.00
- Minimum Age: 21.00 years old
Citi PremierMiles Card
rating
4.6/ 5
Airmiles (Local)
1.20 miles / dollarAirmiles (Overseas)
2.20 miles / dollarAirmiles (Travel)
Up to 10.00 miles / dollarAirport Lounge Access
2.00 visits per year*Apply through SingSaver and choose from 5 premium rewards:
.
- 1.2 miles per S$1 spent locally.
- 2.2 miles per S$1 spent in foreign currency.
- Citi Miles never expire. Can be exchanged for a variety of frequent flyer miles, hotel stays, rewards and cash rebates.
- Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
- Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll.
- 2 free airport lounge visits per year to over 1300 Priority Pass lounges worldwide.
- 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 PremierMiles Card will be updated to end on 31 March 2026. For more information, please click here.
- 11 different airline and hotel transfer partners.
- Generous sign-up bonus with relatively low minimum spend.
- Read our full review of the Citi PremierMiles Card.
- Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles.
- Service fee applies to Citi PayAll facility.
Repayment Details
- Minimum Payment: 1.00 %
- Late Payment Charge: S$100.00
- Interest on Purchase: 27.90 %
- Interest on Cash Advance: 27.90 %
- Interest Free Period: 25.00 days
Fees
- Annual Fee: S$196.20
- Foreign Currency Transaction Fee: 3.25 %
- Air Miles Conversion Fee: S$25.00
- Cash Advance Service Charge: S$15.00
Eligibility
- Monthly Spend Required: 0.00
- Minimum Annual Income: S$30000.00
- Minimum Age: 21.00 years old
Airmiles (Local)
1.20 miles / dollarAirmiles (Overseas)
2.40 miles / dollarAirport Lounge Access
4.00 visits per year*Annual Fee
S$ 196.20Apply through SingSaver and choose from 7 premium rewards:
.
- Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
- Instant reward redemption with an extensive selection of airline and hotel partners via HSBC Singapore mobile app.
- Accelerated earn rate: up to 2.4 miles for your spending.
- No conversion fee for air miles or hotel points until 31 January 2025.
- Complimentary travel insurance coverage (including COVID-19) and 4x complimentary airport lounge visits for primary cardholders and guests of primary cardholders.
- Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
- Split your purchases across a range of flexible tenures with HSBC Instalment Plans.
Repayment Details
- Minimum Payment: 3.00 %
- Late Payment Charge: S$100.00
- Interest on Purchase: 26.90 %
- Interest on Cash Advance: 28.00 %
- Interest Free Period: 20.00 days
Fees
- Annual Fee: S$196.20
- Foreign Currency Transaction Fee: 3.25 %
- Air Miles Conversion Fee: 0.00
- Cash Advance Service Charge: S$15.00
Eligibility
- Monthly Spend Required: S$0.00
- Minimum Annual Income: S$30000.00
- Minimum Age: 21.00 years old
Citi Cash Back+ Card
rating
3.5/ 5
Cashback
Up to 3.25 %Cashback Cap
0.00Monthly Spend Required
0.00Annual Fee
S$ 196.20Apply through SingSaver and choose from 5 premium rewards:
.
- 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: 1.00 %
- Late Payment Charge: S$100.00
- Interest on Purchase: 27.90 %
- Interest on Cash Advance: 27.90 %
- Interest Free Period: 25.00 days
Fees
- Annual Fee: S$196.20
- Foreign Currency Transaction Fee: 3.25 %
- Cash Advance Service Charge: S$15.00
Eligibility
- Monthly Spend Required: 0.00
- Min. Annual Income: S$30000.00
- Minimum Age: 21.00 years old
HSBC Advance Credit Card
rating
3.9/ 5
Cashback (Local)
2.50 %Cashback (Overseas)
2.50 %Cashback (Baseline)
1.50 %Annual Fee
S$ 196.20Apply through SingSaver and choose from 7 premium rewards:
.
- Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
- Earn up to 2.5% Base Cashback (1.5% with no minimum spend OR 2.5% when you spend above S$2,000) on your local and overseas purchases each calendar month.
- Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
- Read our full review of the HSBC Advance Credit Card.
- Cashback is capped at S$70 per calendar month.
Repayment Details
- Minimum Payment: 3.00 %
- Late Payment Charge: S$100.00
- Interest on Purchase: 26.90 %
- Interest on Cash Advance: 28.00 %
- Interest Free Period: 20.00 days
Fees
- Annual Fee: S$196.20
- Foreign Currency Transaction Fee: 3.25 %
- Air Miles Conversion Fee: S$40.00
- Cash Advance Service Charge: S$15.00
Eligibility
- Monthly Spend Required: S$2000.00
- Minimum Annual Income: S$30000.00
- Minimum Age: 21.00 years old
Citi SMRT Card
rating
3.7/ 5
Cashback (Ride Sharing)
5.00 %Cashback (Transport)
5.00 %Cashback (Baseline)
0.30 %Monthly Spend Required
S$ 500.00Apply through SingSaver and choose from 5 premium rewards:
.
- 5% savings on online purchases.
- 5% savings at all supermarkets & grocery stores.
- 5% savings on taxi & public transport rides.
- Minimum monthly spend of S$500 required to get higher cashback rates.
Repayment Details
- Minimum Payment: 2.00 %
- Late Payment Charge: S$100.00
- Interest on Purchase: 27.90 %
- Interest on Cash Advance: 28.00 %
- Interest Free Period: 25.00 days
Fees
- Annual Fee: S$196.20
- Foreign Currency Transaction Fee: 3.25 %
- Air Miles Conversion Fee: S$25.00
- Cash Advance Service Charge: 8.00 %
Eligibility
- Monthly Spend Required: S$500.00
- Min. Annual Income: S$30000.00
- Minimum Age: 21.00 years old
Citi Cash Back Card
rating
3/ 5
Cashback (Petrol)
Up to 8.00 %Cashback (Dining)
6.00 %Cashback Cap
S$ 80.00 / monthMonthly Spend Required
S$ 800.00Apply through SingSaver and choose from 5 premium rewards:
.
- 6% cashback on dining and grocery spending (local & overseas).
- 8% cashback on petrol and private commute (local & overseas).
- Up to 23.64% savings at Caltex, Esso and Shell, inclusive of 8% cashback for petrol spending.
- 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 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.
- 0.20% cashback for all other spending, even if you do not meet the min. monthly spend.
- Min. monthly spend of S$800 required to earn bonus cashback.
- S$80 combined cashback cap across all categories.
Repayment Details
- Minimum Payment: 1.00 %
- Late Payment Charge: S$100.00
- Interest on Purchase: 27.90 %
- Interest on Cash Advance: 27.90 %
- Interest Free Period: 25.00 days
Fees
- Annual Fee: S$196.20
- Foreign Currency Transaction Fee: 3.25 %
- Cash Advance Service Charge: S$15.00
Eligibility
- Monthly Spend Required: S$800.00
- Minimum Annual Income: S$30000.00
- Minimum Age: 21.00 years old
Cashback (Retail)
4.70 %Cashback (Department Stores)
Up to 2.70 %Cashback (Baseline)
0.30 %Apply through SingSaver and choose from 5 premium rewards:
.
- Earn up to 4.7% Citi M1 rebate on eligible Entertainment spend and 2.7% Citi M1 rebate on M1 Telco Bill spending.
- Enjoy up to 2.7% Citi M1 Rebate on purchases at M1 stores.
- Citi M1 rebate does not expire.
- 0.3% cash rebate on eligible retail purchases.
Repayment Details
- Minimum Payment: 1.00 %
- Late Payment Charge: S$100.00
- Interest on Purchase: 27.90 %
- Interest on Cash Advance: 27.90 %
- Interest Free Period: 25.00 days
Fees
- Annual Fee: S$196.20
- Foreign Currency Transaction Fee: 3.25 %
- Air Miles Conversion Fee: S$25.00
- Cash Advance Service Charge: S$15.00
Eligibility
- Monthly Spend Required: 0.00
- Min. Annual Income: S$30000.00
- Minimum Age: 21.00 years old
Frequently asked questions about best credit cards
-
Rewards cards: These offer cashback, miles, or points for your spending, making them suitable for those who spend regularly and pay their balances in full.
-
Interest-saving cards: These come with low interest rates or balance transfer options, ideal for those who carry a balance or need to manage debt. Some also offer zero percent introductory periods for balance transfers or purchases.
-
Credit-building cards: These are designed for individuals with limited or no credit history, helping them establish a credit score.
There's no one-size-fits-all answer regarding the "best" credit card in Singapore. The ideal choice depends on your individual spending habits, financial goals, and credit profile.
Consider your needs and compare features to find the best fit.
Generally, secured credit cards are easier to obtain in Singapore, especially for those with limited or no credit history. These cards require a security deposit that serves as collateral, reducing the risk for the issuer. Some banks also offer credit cards specifically designed for students or individuals with no credit history.
Choosing the "best" credit card company is subjective and depends on individual preferences and experiences. Different companies excel in different areas, such as customer service, rewards programmes, or fees. For example, American Express is often recognised for its strong customer service and premium travel rewards. Research and compare various companies to find one that aligns with your needs and priorities. You can also read online reviews and compare credit card offers to gain insights into different companies' strengths and weaknesses.