Which Dyson would you choose?
Updated: 27 Jan 2026
Apply for a Citi/HSBC/OCBC card and you get to pick ANY Dyson device as your sign-up gift! Whether it’s a high-tech vacuum or the iconic hair stylers, it’s yours at a fraction of the cost. Exclusive deal, only via SingSaver. Claim your Dyson with a small top-up and required spend – promo ends soon.
Credit Card | Product Name | 🔥 Hot Reward Pick | Earn Rate & Perks | Min. Annual Income | Monthly Spend Required | |
|---|---|---|---|---|---|---|
 | OCBC INFINITY Cashback Credit Card | 1.6% cashback | S$30,000 | None | ||
 | DBS yuu Visa Card | Up to 18% cashback | S$30,000 | No Requirement | ||
 | Citi PremierMiles Card | 2.2 mpd (FCY), 1.2 mpd (Local) | S$30,000 | None | ||
 | HSBC Revolution Credit Card | 4 mpd / 2.5% cashback | S$65,000 | S$0 | ||
 | POSB Everyday Card | 10% cash rebate on everyday spends | S$30,000 | S$800 | ||
 | Citi Rewards Card | 4 mpd (10X points) | S$30,000 | None | ||
 | HSBC Live+ Credit Card | 8% cashback + dining | S$65,000 | S$600 - S$1000 | ||
 | OCBC 365 Credit Card | 6% on fuel | S$30,000 | S$800 | ||
 | Citi Cash Back+ Card | 1.6% cashback | S$30,000 | None | ||
 | HSBC TravelOne Credit Card | 2.4 mpd (FCY), 1.2 miles (local) + lounge | S$65,000 | S$0 | ||
 | OCBC Rewards Credit Card | 4 mpd / 2.78% cashback on eligible spend | S$30,000 | - | ||
 | Citi Cash Back Card | Up to 8% Cashback | S$30,000 | S$800 | ||
 | HSBC Advance Credit Card | 1.5-2.5% Cashback | S$65,000 | S$2,000 | ||
 | OCBC 90°N Visa Card | 1.3 - 7 miles / dollar | S$30,000 | S$0 | ||
 | Standard Chartered Simply Cash Credit Card | 1.5% unlimited cashback | S$30,000 | None |
Don’t miss out on these great deals:
🔑 Use Code SINGSAVER, Unlock Greater Rewards
Use promo code SINGSAVER when you apply for select DBS Credit Cards and enjoy massive rewards, including 12,000 Max Miles by HeyMax (worth S$216) and other gifts like Dyson worth up to S$799!
Apply by Mar 01, 2026 to claim your reward
Participating Products:
POSB Everyday Card
:
For families & daily spending
DBS Altitude American Express Card
:
For accumulating travel miles
DBS yuu American Express Card
:
For yuu shoppers
DBS Live Fresh Card
:
For transport & online shopping
DBS Altitude Visa Signature Card
:
For frequent flyers
DBS yuu Visa Card
:
For grocery rewards
How to Qualify?
- Apply for DBS / POSB Credit Cards with promo code SINGSAVER by 1 March 2026
- Submit the SingSaver Reward Redemption form
- Activate your card and spend a minimum of S$100 within 30 days from card approval date to be eligible for reward
- Promotion is valid for new DBS / POSB credit cardmembers only
- Terms and Conditions apply.
Apply by Mar 01, 2026 to claim your reward
Cashback (Baseline)
1.6 %Cashback Bonus Cap
No capMonthly Spend Required
NoneAnnual Fee Waiver
1 yearApply through SingSaver and choose from 10 premium rewards
- 1.6% unlimited cashback on all eligible spending with no min. spend and no cap
- Cashback automatically credited to cardholder's OCBC INFINITY Account
- 1 year annual fee waiver
- Read our review of the OCBC INFINITY Cashback Card.
- No rebate cap
- No monthly spend required
- Annual fee waiver
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.78 %
Interest on Cash Advance: 28.92 %
Interest Free Period: 23 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
DBS yuu Visa Card
Promo Code:
SINGSAVER
Cashback (Department Store)
Up to 18 %Rewards Points (Local)
Up to 36 yuu Points / dollarRewards Points Cap
28,800 yuu Points / monthAirmiles (Local)
Up to 10 miles / dollarApply through SingSaver and choose from 9 premium rewards
- Up to 36X yuu Points (equivalent to 18% cashback) on yuu participating merchants.
- 1X yuu Point on all other spend.
- S$1 spend = 1 yuu Point. No limit. No cap.
- Supermarket rebate
- Dining rebate
- Transport rebate
- Customers need to download the new rewards app as yuu Points awarded can only be tracked on yuu Rewards app.
- Redemptions of yuu Points capped at 15,600 points (S$78) per calendar month.
- Rebate cap applied
- Monthly spend required
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$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: No Requirement
Min. Annual Income: S$30,000
Minimum Age: 21 years old
Airmiles (Local)
1.2 miles / dollarAirmiles (Overseas)
2.2 miles / dollarAirmiles (Travel)
Up to 10 miles / dollarAirport Lounge Access
2 visits per year*Apply through SingSaver and choose from 11 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 participating 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.
- No expiry air miles
- Airport lounge
- Travel rebate
- Gift: Apple product
- 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 %
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 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
HSBC Revolution Credit Card
rating
3.4/ 5
Rewards Points (Baseline)
1 point / dollarAirmiles (Online Shopping)
4 miles / dollarRewards Points Cap
13,500 bonus pointsApply through SingSaver and choose from 10 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 Points (equivalent to 4 mpd) on online and contactless spending, capped at 13,500 bonus points per month. Valid till 28 Feb 2026.
- 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.
- Instant reward redemption for airline miles and hotel points, refer to www.hsbc.com.sg/rewards for details.
- 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 individuals who prefer flexibility to redeem Reward points to categories such as miles, cashback & more
- Read our review of the HSBC Revolution Credit Card.
- Online shopping rebate
- Travel rebate
- No Annual Fee
- Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus points.
- Cap of 13,500 bonus reward points per calendar month on eligible purchases (valid till 31 Oct 2025). Original cap at 9,000 reward points.
- 1X reward point earned on public transport (via SimplyGo) only.
- HSBC reward points expire after 37 months.
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 26.9 %
Interest on Cash Advance: 28 %
Interest Free Period: 20 Days
Fees
Annual Fee: No Annual Fee
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$40
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$0
Minimum Annual Income: S$65,000
Minimum Age: 21 years old
Cashback (Petrol)
Up to 6 %Cashback (Local)
Up to 10 %Cashback (Dining)
Up to 10 %Annual Fee
S$ S$
196.20Apply through SingSaver and choose from 9 premium rewards
- Up to 10% cash rebates on food delivery via foodpanda, GrabFood and Deliveroo.
- Up to 10% cash rebates on in-store spend in Malaysian Ringgit (MYR).
- Up to 10% cash rebates on SimplyGo.
- Up to 5% cash rebates on Amazon.sg, Lazada, Shopee, RedMart, Taobao and TikTok Shop.
- Up to 5% cash rebates at Popular bookstores (in-person and online)
- 5% cash rebates at Sheng Siong supermarkets.
- 6% cash rebates at SPC.
- 3% cash rebates at Pet Lovers Centre.
- 0.3% cash rebates on all other eligible spend.
- Cash rebates (in Daily$) never expire.
- Read our full review of the POSB Everyday Card.
- Food delivery
- Online shopping rebate
- Min. spend of S$800 per calendar month required for accelerated cash rebate earn rate.
- S$20 monthly cash rebate cap for dining, Sheng Shiong, Popular, online shopping, SimplyGo, and MYR categories respectively.
- Rebate cap applied
- Monthly spend required
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: 8 %
Eligibility
Monthly Spend Required: S$800
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Citi Rewards Card
rating
4.4/ 5
Rewards Points (Shopping)
Up to 10 points / dollarRewards Points (Baseline)
1 point / dollarAirmiles (Shopping)
Up to 4 miles / dollarRewards Points Cap
9,000 ThankYou Points / monthApply through SingSaver and choose from 11 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 air miles
- Travel insurance
- Annual Fee waiver
- High-value gift
- Bonus rewards points capped at 9,000 points per statement month
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 %
Air Miles Conversion Fee: S$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)
5 - 8%Cashback (Baseline)
0.3 %Monthly Spend Required
S$600 - S$1000Annual Fee Waiver
1 yearApply through SingSaver and choose from 10 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.
- Dining rebate
- Entertainment rebate
- Petrol rebate
- 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.
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
- Rebate cap applied
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 26.9 %
Interest on Cash Advance: 28 %
Interest Free Period: 20 Days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$40
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$600 - S$1000
Min. Annual Income: S$65,000
Minimum Age: 21 years old
Cashback (Dining)
5 %Cashback (Petrol)
6 %Cashback (Baseline)
0.25 %Monthly Spend Required
S$ S$
800Apply through SingSaver and choose from 10 premium rewards
- 6% cashback on fuel spend at all other petrol stations.
- 5% cash rebate on dining spends all day, everyday (includes local/overseas dining and online food delivery).
- 3% cashback on drugstore purchases, streaming service subscriptions and EV charging expenses.
- 3% cashback on groceries at supermarkets (both local and overseas) and online groceries.
- 3% cashback on private hire (Grab/Gojek) and taxi rides (both local and overseas).
- 3% cashback on recurring telco and electricity bills.
- S$160 monthly cashback cap (up from S$80).
- Up to 22.92% fuel savings at Caltex (incl. 18% instant discount for all fuel) and 6% cashback on fuel spend at all other petrol stations.
- 2-year annual fee waiver.
- Earn up to 4.65% p.a. interest on first S$100,000 of OCBC 365 Account balance.
- Great for homemakers, working adults, cashback lovers, enjoy flexibility over min. spend (S$800 or S$1,600), drive frequently
- Read our full review of the OCBC 365 Credit Card .
- Petrol rebate
- Dining rebate
- High min. spend of either S$800 or S$1,600 per calendar month
- Min. annual spend of S$10,000 from date of issue to qualify for automatic annual fee waiver.
- S$80 monthly cashback cap with minium spend of $800.
- S$160 monthly cashback cap with mininum spend of $1,600.
- Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus cashback.
- Interest on outstanding balance increased from 26.88% p.a. to 27.78% p.a.
- Monthly spend required
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Cash Advance: 28.92 %
Interest Free Period: 23 days
Interest on Purchase: 27.78 %
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$800
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback
Up to 3.25 %Cashback Cap
No capMonthly Spend Required
NoneAnnual Fee
S$ S$
196.20Apply through SingSaver and choose from 11 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.
- No rebate cap
- No monthly spend required
- Annual Fee waiver
- High-value gift
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$30,000
Minimum Age: 21 years old
Airmiles (Local)
1.2 miles / dollarAirmiles (Overseas)
2.4 miles / dollarAirport Lounge Access
4 visits per year*Annual Fee
S$ S$
196.20Apply through SingSaver and choose from 10 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.
- Unlimited air miles
- Airport lounge
- Travel insurance
- Bonus air miles
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 26.9 %
Interest on Cash Advance: 28 %
Interest Free Period: 20 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: None
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$0
Minimum Annual Income: S$65,000
Minimum Age: 21 years old
Rewards Points (Online Shopping)
15 OCBC$ / dollarRewards Points (Contactless Spend)
10 OCBC$ / dollarRewards Points (Baseline)
1 OCBC$ / dollarRewards Points Cap
10,000 OCBC$Apply through SingSaver and choose from 11 premium rewards
- Earn 15 OCBC$ (equivalent to 6 miles) per S$1 spent at Watsons and online shopping platforms (Lazada, Shopee, Taobao and TikTok Shop).
- Earn 1X OCBC$ (or 0.4 miles) on all other spends, including public transport rides.
- Enjoy complimentary e-commerce protection on all your online purchases made with this card.
- Get fast approval and use your digital card instantly when you apply via MyInfo.
- Read our full review of the OCBC Rewards Card.
- Retail rebate
- Online shopping rebate
- Gift: Apple product
- No monthly spend required
- 15 OCBC$ per S$1 earn rate is capped at 10,000 bonus OCBC$ cap per month.
- OCBC$ awarded in blocks of S$5 charged per transaction.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.78 %
Interest on Cash Advance: 28.92 %
Interest Free Period: 23 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Citi Cash Back Card
rating
3/ 5
Cashback (Petrol)
Up to 8 %Cashback (Dining)
6 %Cashback Cap
S$ S$
80 / monthMonthly Spend Required
S$ S$
800Apply through SingSaver and choose from 11 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.
- Dining rebate
- Supermarket rebate
- High-value gift
- Min. monthly spend of S$800 required to earn bonus cashback.
- S$80 combined cashback cap across all categories.
- Rebate cap applied
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: S$800
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
HSBC Advance Credit Card
rating
3.9/ 5
Cashback (Local)
2.5 %Cashback (Overseas)
2.5 %Cashback (Baseline)
1.5 %Annual Fee
S$ S$
196.20Apply through SingSaver and choose from 10 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.
- No monthly spend required
- Travel insurance
- Annual Fee waiver
- Cashback is capped at S$70 per calendar month.
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
- Rebate cap applied
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 26.9 %
Interest on Cash Advance: 28 %
Interest Free Period: 20 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$40
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$2,000
Minimum Annual Income: S$65,000
Minimum Age: 21 years old
Airmiles (Overseas)
2.1 miles / dollarAirmiles (Local)
1.3 miles / dollarAirmiles (Hotel Booking)
Up to 7 miles / dollarCashback (Overseas)
2.1 %Apply through SingSaver and choose from 11 premium rewards
- Earn 1.3 and 2.1 miles per S$1 spent locally and overseas respectively.
- Flexibility of converting points to miles: 1 Travel$ = 1 mile.
- No expiry on Travel$ earned, and no conversion fee.
- Travel$ can be converted to 1.2% cashback.
- Mastercard Airport Experiences: Enjoy offers for dining, spas and retail at worldwide lounges before you take off.
- First-year annual fee waived. Receive 10,000 miles when you pay the second year annual fee.
- Read our full review of the OCBC 90°N Credit Card.
- Unlimited air miles
- No expiry air miles
- Bonus air miles
- Travel$ awarded in blocks of S$5 charged to the card per transaction.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.78 %
Interest on Cash Advance: 28.92 %
Interest Free Period: 23 Days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Monthly Spend Required: S$0
Cashback
1.5 %Cashback (Baseline)
1.5 %Monthly Spend Required
NoneAnnual Fee Waiver
1 yearApply through SingSaver and choose from 8 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- 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.
- 1.5% unlimited cashback
- No rebate cap
- No monthly spend required
- 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
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.