Score up to 💥 S$400 eCapitaVouchers!
Updated: 27 Nov 2025
Apply for select HSBC or OCBC Credit Cards through SingSaver and unlock up to S$400 eCapitaVouchers—no top-up needed. Shop at 3,000+ spots islandwide!
Card | Hot Reward Pick | SingSaver Reward | Earn Rate & Perks | Min. Annual Income | Monthly Spend Required | ||
|---|---|---|---|---|---|---|---|
 | HSBC Live+ Credit Card | S$1,223 | 8% cashback + dining | S$65,000 | S$600 - S$1000 | ||
 | OCBC INFINITY Cashback Credit Card | S$1,079 | 1.6% cashback | S$30,000 | None | ||
 | HSBC TravelOne Credit Card | S$1,223 | 2.4 mpd (FCY), 1.2 miles (local) + lounge | S$65,000 | S$0 | ||
 | OCBC 365 Credit Card | S$1,079 | 6% on fuel | S$30,000 | S$800 | ||
 | HSBC Revolution Credit Card | S$1,223 | 4 mpd / 2.5% cashback | S$65,000 | S$0 | ||
 | OCBC Rewards Credit Card | S$1,079 | 4 mpd / 2.78% cashback on eligible spend | S$30,000 | - | ||
 | HSBC Advance Credit Card | S$1,223 | 1.5-2.5% Cashback | S$65,000 | S$2,000 | ||
 | Standard Chartered Simply Cash Credit Card | S$1,099 | 1.5% unlimited cashback | S$30,000 | None |
Don’t miss out on these great deals:
✨ Top Up for a Glow Up with Dyson ✨
Only on SingSaver: Apply for select HSBC Credit Cards and score a S$75 eCapitaVoucher + AirPods Pro 3 bundle—or upgrade your reward to a premium Dyson product worth up to S$799 with a top-up starting from just S$50!
Apply by Dec 04, 2025 to claim your reward
Participating Products:
HSBC Revolution Credit Card
:
For Cashback Chasers
HSBC Live+ Credit Card
:
For Online Shoppers
HSBC Advance Credit Card
:
For All-Around Cashback
HSBC TravelOne Credit Card
:
For Jetsetters
How to Qualify?
- SingSaver Exclusive Offer promotion runs from 15 December 2025 to 5 January 2026.
- Promotion is valid for new HSBC credit cardmembers only.
- Apply for participating HSBC credit cards with provided marketing consent, then make a min. spend of S$500 by the end of the following calendar month from card approval date to be eligible for reward
- Terms and Conditions apply.
Apply by Dec 04, 2025 to claim your reward
Cashback (Bonus)
5 - 8%Cashback (Baseline)
0.3 %Bonus Cap
S$ S$
250 / quarterApply through SingSaver and choose from 8 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.
- 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: 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
1.6 %Cashback Bonus Cap
No capMonthly Spend Required
NoneAnnual Fee Waiver
1 yearApply through SingSaver and choose from 7 premium rewards:
You’ll also receive the following welcome gift(s) directly from the bank:
- 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.
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
Airmiles (Local)
1.2 miles / dollarAirmiles (Overseas)
2.4 miles / dollarFree Lounge Access
4 visits per year*Apply through SingSaver and choose from 8 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.
- 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$65,000
Minimum Age: 21 years old
Cashback (Petrol)
6 %Cashback (Dining)
5 %Cashback (Baseline)
0.25 %Monthly Spend Required
S$ S$
800Apply through SingSaver and choose from 7 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 .
- 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.
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
HSBC Revolution Credit Card
rating
3.4/ 5
Airmiles (Dining)
4 miles / dollarAirmiles (Shopping)
4 miles / dollarAirmiles Bonus Cap
5,400 milesApply through SingSaver and choose from 8 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.
- 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$65,000
Minimum Age: 21 years old
Rewards Points (Online Shopping)
15 OCBC$ / dollarRewards Points (Contactless Spend)
10 OCBC$ / dollarRewards Points (Baseline)
1 OCBC$ / dollarRewards Points Cap
10,000 OCBC$Apply through SingSaver and choose from 8 premium rewards:
- Earn 15 OCBC$ (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.
- 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
HSBC Advance Credit Card
rating
3.9/ 5
Cashback (Local)
2.5 %Cashback (Overseas)
2.5 %Cashback (Baseline)
1.5 %Apply through SingSaver and choose from 8 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.
- 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: 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)
1.5 %Airmiles (Local)
1.5 %Airmiles (Hotel Booking)
NoneCashback (Overseas)
1 yearApply through SingSaver and choose from 4 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.
- 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.